WillisBack/dataset-financial-user-claim huggingface dataset:
On approximately XX/XX/2018 I received a notification for an option to refinance my Navient loan to XXXX. First off I never had a problem with XXXX XXXX but until Navient came along it been so unprofessional. A few days ago I had to pay both loans from Navient and XXXX which was confusing. I called on XX/XX/XXXX and could not get a straight answer. Until today XXXX called me and said that my loan was not processed properly and I had to begin the whole application process again. I trusted them with my credit and it is unacceptable to be treated unfairly. They indicated that they would still offer me the same terms and rates. I said that would be fine but I have lost time here. I have to review all the payments and interest was applied appropriate. I asked the supervisor for this inconvenience to provide a better rate or do some one time discount but no no no and just sorry. This is very unprofessional and some sort of compensation is due to me after mishandling my information, and my credit. Somebody needs to monitor this company for their violations. Account # XXXX XXXX XXXX
After Hurricane Irma I called my loan servicer Mr.Cooper formally known as XXXX XXXX XXXX. I called to make arrangements to defer two month of payments for XXXXXX/XX/2017 due to the disaster at which time the representative stated that I would have to resume making payments XX/XX/2017. Instead in XXXX I received a hand delivered notice to my home about foreclosure and different options I have to save my home, I called Nation Star Mortgage to inquire about the notice I received. The representative looked up my account and stated the everything was okay that she sees where I resumed making payments for the month of XXXX. To disregard the notice that those notices are generated automatically. I asked if she was sure because I don't want problems with my home. I haven't even recovered from the disaster because I was in between jobs. She stated I was okay. However, on XX/XX/2017 I received another notice delivered to my home and they then started coming in the mail. Checked my credit report and it shows on my credit report that my account is delinquent. I called again and to no avail the manager stated that the only option was to refinance my home or do a modification.Monthly statements are showing delinquent payments for the 2 months. Please help me.Its hard to recover after a disaster I'm currently fighting with the insurance company to repair my roof.
Naviet changed rates, loan types, & interest rates without notification. The payment suggested to me is impossible to pay. Naviet suggested that I defer them which increased the interest amount on a monthly basis
I tried multiple times to have them help Me with my credit cards and they charged me off. Now I dont deseve this after 11 years of customer loyalty. I couldnt make the payments they asked of me and they charged me off. They destroyed my credit with the fees and now I cant do anytbing to provide a roof for my family because they require a credit check. They shouldnt have done this they shouldve worked with me.
FAIR COLLECTIONS AND OUT Last reported : XX/XX/2018 + {$5500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 - {$1500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 + {$360.00} This account need to be taken off my credit didnt authorize this Im a victim of identity thief so please have it removed
Equifax allowed hackers to gain access to all my financial and social security number information. As the Consumer Protectors, I call upon you to help the 130 million plus Americans who are vulnerable. Can you please let me kn ow what you are doing? When I phoned in, your operator just hung up on me. That has never happened in a call to the government or my representatives before. To say the least, I was shocked by your disregard of ma question from the public you are supposed to serve. Will you answer this or ignore it as well?
When I Spoke with company representative they could not send me nothing but a copy of a bill. They do not have documents supporting that my identity was verified I am not familiar with the debts.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your XXXX is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
XXXX reported lack of payment to credit collection company American Coradius International. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with XXXX and ACI.
Experian credit report agency online document submission option is not allowing me to submit my dispute supporting documents. I have tried multiple times to submit supporting document on my disputing items with this agency report. On XXXX XXXX, 2018 this credit report agency had me on hold, when called them by phone, for XXXX hours. My documents where not accepted because their upload website is automatically timing out when I hit submit.
I have reached out to the company several times and asked that this information be removed from my credit. This account is current and my parents have taken over this account. It was not filed in a Chapter XXXX bankruptcy. It was filed in a Chapter XXXX and my parents took over the account and it is current.
I am actively being garnished for student loans that do not belong to me and that were collected on illegally. Money is still being pulled from my account and placed into an escrow account because the company, XXXX XXXX XXXX XXXX XXXX, is under investigation for unfair collections practices. These accounts are not listed on my credit reports, I had no former knowledge of this accounts until I was improperly served and then informed of the default judgement and I have tried for the past year to get this judgement vacated. I have requested proper validation of this debt which as resulted in tons of paper work being mailed to me and no definitive proof that these loans in fact are mine and that XXXX XXXX had jurisdiction and legal ownership of these loans to sue me.
I have already filed a complaint against this company once, the case number is XXXX. I started receiving phone calls again from a gentleman named XXXX XXXX. This time I was able to get an address to their company so I can file a written verification for validation. The agent began yelling at me when I questioned the address he gave me. The address he gave me was XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, but that address actually belongs to a company named XXXX XXXX XXXX XXXX. I did verify with that company their address. XXXX XXXX began threatening me with someone coming to my home and seeing me and also filing a lawsuit against me immediately if I do not pay. He continued to cuss me out and yell telling me i was a fraud, he then told me that he was going to call everyone he could connect to me and let them know I was a fraud and I write bad checks. He then blurted out my social security number to me telling me he was in control of my information. There is no written proof of any debt that I have like that. I filed a complaint with my Attorney Generals office, and they told me Delaware Solutions is not a licensed collection agency, and they were already investigating this company and for myself to not offer up any information to the company.
I generally pay my Wells Fargo credit card balance in full at the start of each month, but I just noticed that for the past 3 months I have been assessed a {$37.00} late fee on the XXXX of each month. A Wells Fargo customer service representative says that because my online payments were early, they were applied to the previous billing cycle, so I was always " late '' for the next cycle. However, in no case did I owe them any money for longer than 30 days. 

The sequence was like this : XXXX - pay balance in full XXXX - statements closes ( after the payment was registered ) XXXX - {$37.00} late fee ( on XXXX balance due to interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX ) I can understand how their algorithm might work this way, but it makes no sense in the online era when consumers may access their account and make payments any time. I suspect many others are falling into this trap ( and Wells Fargo knows exactly how many this is ). I voiced my complaint to Wells Fargo and they would only refund one late payment " as a courtesy. ''
I was in a car accident was XXXX and consequently had to have XXXX on XX/XX/XXXX the XXXX was performed by XXXX XXXX XXXX ( XXXX XXXX XXXX ). My case was settled in XX/XX/XXXX. At that time all medical bills and doctors ' bills were paid by XXXX and the Law Offices of XXXX XXXX XXXX I was sent a courtesy copy of what was paid and to who it was paid from both my attorney and XXXX XXXX and XXXX XXXX. 
Years later I get a bill from the XXXX XXXX XXXX stating that they sent my nonpayment to collections American Capital Enterprise, INC. I assured the receptionist that these expenses were paid. She informed me that I needed to pay the balance {$6000.00} At any rate they have not stop harassing me for payment that was already made to XXXX XXXX XXXX XX/XX/XXXX. They insist on payment that was already made and is now in collections. 
Sincerely, XXXX XXXX
Opened my account in XXXX, CA XX/XX/2019. Agent XXXX has been tampering with my personal information, without my consent ever since the opening of my account. She has repeatedly altered my address without consent or direction. US Bank has failed to act on this concerning matter. On XX/XX/XXXX, I spoke with supervisor XXXX who promised to open a " sensitive issue ticket '' and once again, this was another bogus, empty promise from US Bank. Nobody has followed up with me regarding steps being taken to secure my account, nor offered any resolution. My personal account information is still being altered and tampered with by XXXX. US Bank has failed to respond, in any fashion, nor take my concerning security issues seriously. I've been lied to now by multiple supervisors about the continued security breach, not one of them has done their jobs to protect me, my privacy or personal information. My great security concerns have been completely ignored.
The  XXXX   XXXX , Management company for  XXXX   XXXX   XXXX   XXXX , refuse to change or eliminate the amount they state is owed to them for cleaning damages to an apartment I rented from them for a year. I have videos of how I left the apartment ( which was fully cleaned which I submitted to them ). I also disputed the case with the current ap artment manager, who stated a different total owed, and that she only had record of a custodial che ck list submitted on the apartment.  <P/> The presence of this on my credit report is extremely damaging, especially with the company having no proof that I left the apartment in the condition they stated, of which I have dated videos to prove otherwise.  <P/> Dates rented t  he apartment is on the attached documents.
Total reported to t  he credit bureaus : {$2500.0  0} Total amount reported on letter submitted to myself and other property in apartment network : {$1600.00} No Rent Due ( as attached ).
<P/>  This is a huge difference. Not to mention, that although this was stated on their management report to my new apartment management, they did not reduce the amount on my credit report.  <P/> This is extremely damaging to my credit report, and is likely to come up every time I seek to rent another apartment.
Per attached XX/XX/XXXX Transunion confirmation-File # XXXX, my credit File had an Extended Security Freeze with assigned PIN ( applies to all XXXX Bureaus ). XX/XX/XXXX I requested annual credit report and XX/XX/XXXX Transunion responded they had already provided to me. Transunion has 1 ) requested {$11.00} fee from me, which I do not owe since I never got my annual credit report, 2 ) violated my privacy releasing my ENTIRE credit report to an UNKNOWN PARTY without A ) ANY SECURITY FREEZE verification B ) not to MY ONLY VALID MAILING ADDRESS C ) nor to MY VALID EMAIL 3 ) Could be fraudulent reflecting data but unable to determine until I have my transunion report. At a minimum, I will require Lifetime Free Credit Monitoring be provided as I have police reports, etc. filed with XX/XX/XXXX letter ( all documents sent cert/return receipt. ) This is totally unacceptable and you can not speak to a human being regarding dispute & /or potential Fraud. How can this be ACCEPTABLE. 


, 3 ) violated Privacy and, which they had not. Transunion DID NOT follow their Security Freeze protocols and breached my privacy.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX submitted a form to TransUnion to delete item with account # XXXX - XXXX XXXX XXXX, which was opened XX/XX/XXXX. This item is still being reported on TransUnion report as closed but needs to be deleted.
A mortgage counselor submitted a financial package on my behalf due to reduction of income. I was laid off from my employer due to downsizing and requested a modification. I was later told by HBSC that i did not qualify and gave me very little explanation. I feel that I was not reviewed properly because they requested an appraisal for a short sale before they even told me that i was denied. HBSC also sent a breach letter via certified mail that was dated XXXX days prior to being mailed. I feel I was not treated fairly.
On XX/XX/2018 I find my self in XXXX XXXX I attend a business where at the end of the night I try to pay for the service with my debit card knowing that I have funds to pay for the service, I provide my card to the merchant they walk away and a few minutes later they approach me and tell me that my card was declined, I was surprised since I was aware of my finances so I ask to step out of the business to a closes ATM and withdrawal cash to pay the service well the ATM also said insufficient funds, I approach a friend and ask him for a loan so I can pay for the service while I figure what is going on with my card, we leave and I access my bank to find out the merchant had passed my card for an absurd amount pretty much leaving my account empty immediately call the bank and report the issue and report an unauthorized charge to my account Claim number XXXX they passed me to the fraud department where I explain what had happened to me, they immediately close my card and report the issue, not to find out later that because I had given the card previously to the transaction and my card had a chip I was authorizing the transanction charge on my acount posteriorly of been notify my card was declined and canceling the service with a cash payment to what the merchart provide a piece of paper with a writen amount on it as the only proof of my payment in cash to the merchant which as soon I could made available to my bank on XX/XX/XXXX as proof of my payment, no before been told by my bank that the document has no value and that the amount in the paper and the amount charge wore different, to what I respond if the amount that I had paid had been the same on my card I probably will not complain been a {$50.00} charge and not a charge of {$1400.00} to what I did not consent, authorize or aggreed, two weeks after the incident I had received a letter from my bank giving as a close issue since I had no proof of payment and I need it a note or document proving the charge was paid in cash. Then I provide the bank with such document given by the merchant and they do not accept the document. I have no means to return to the country of origin of this transaction to face the people that have run this fraud in my account, try to contact the merchant to my surprised fake number, no way to communicate with the merchant revise information of the merchant and surprised again this merchant is known to practice this type of business transactions, also using a different name as merchant and business what do I mean well business name XXXX Merchant name XXXX XXXX XXXX no working number and the bank is the only one that can initiate a claim with the merchant financial entity to process my claim, So I got in touch with VISA and file a claim XXXX this to initiate a more aggressive response to my bank to fight for my money and not be part of a fraudulent transaction that I in the compliance of the rules report immediately to avoid being part of it and as now a crude reality of how in defense I am.
My husband and I filed a Chapter XXXX Bankruptcy in XXXX of 2009. However, after filing it, we changed our mind and decided to simply deal with our debt. However, the attorney that we used did not tell us it would still remain on our credit report for the standard SEVEN years. So, for the last seven years, we have done our best to build our credit and actually have pretty good scores FINALLY. Everything I have read on the credit reporting agency 's websites and online indicates that a Chapter XXXX will be removed after SEVEN years. After checking our credit scores and reports, we noticed that Equifax had not removed the Bankruptcy. XXXX and XXXX removed it automatically. I have filed a dispute online with Equifax, however with limited options with their online dispute form, they responded that the Bankruptcy was reporting correctly. I then typed up a very detailed letter, along with information from their own website showing that a Chapter XXXX should be removed after SEVEN years. I received a response from them indicating that I did not provide enough information. I am frustrated and do not know what else to do. Equifax simply refuses to remove the Bankruptcy. I would also like to reiterate that WE DID NOT GO FORWARD WITH THE BANKRUPTY and paid our bills. The laws or regulations regarding this type of transaction incident should be changed to enable the bankruptcy to be removed once it is determined that it was not proceeded with. A simple filing should not stay on a credit report as if it was done. It 's simply not just. I am hoping that this agency can get Equifax to remove the Bankruptcy. Thank you.
I am currently trying to boost my credit score. I checked out my score on XXXX and I noticed that I have XXXX amounts of {$180.00} and {$90.00} in collections. I have not received anything that says I was supposed to pay something off. I noticed that it was from a company called Trident Asset Management. When I tried going to their website, none of the links work when I clicked on " make a payment ''. Here is the website : http : //www.tridentasset.com/ I continued to try and get a hold of them so I could potentially pay off this debt, or get some more information on it. I do not know what this debt is, and it concerns me that I can not even get a hold of a company who claims to have debt on me. Their phone numbers do not work. When you call, the machine tells you to press " 1 '' and it continues to repeat itself, never connecting you to a representative. Here are the phone numbers that I have tried that they claim is theirs : XXXX XXXX Here is the address they claim to be at : XXXX XXXX XXXX XXXX, XXXX , GA XXXX I have researched online and many people are having the same issue and do not know what to do. I 'm not sure if this is a reliable source, but this is what other people have to say about it : http : XXXX
I purchased items for my sons birthday and XXXX stated that it was delivered. However I was not home I was at work and there was no one to sign for my package. My package required a signature. Needless to say I never received my package and I was told that within 10 days I should receive a refund from XXXX XXXX and I never did. Nor did PayPal resolve the issue and give me my money back.
A company named AFNI called me and stated that they were collecting a debt for XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for many years. I looked online and found several posts about AFNI attempting to collect fraudulent debt. I called XXXX XXXX XXXX and they confirmed I did not have an outstanding debt nor had they reported me to a collections agency.
On XX/XX/ I checked my citicards.com dividend card balance and noticed that they had approved me for a credit line increase. Also during that visit, Citi claimed I could use the new credit line increase for a balance transfer at 0 %. I took them up on their offer and transferred an additional balance to my card. I incurred an approx. {$180.00} fee. 

On XX/XX/XXXXI received a letter from Citi explaining that my credit line was erroneously raised and now I owe in excess of {$6000.00} by this month 's ( XX/XX/XXXX statement ) due date. 

This is where the fun started. I called CITI ( call center 32 - somewhere in Missouri ) and reached XXXX and XXXX ( the supervisor ). I informed XXXX that I would pay the balance, but wanted my {$180.00} fee back before my payment. I had to explain it to him again as he did not grasp the situation. I then asked to be transferred to a supervisor. XXXX, the Missouri call center 32 supervisor - at an undisclosed location, without an employee ID number- explained to me that only after I pay back the {$6200.00} dollars will I get my fee back. He stated that he would do so as a " courtesy. '' Remember, they erroneously raised my credit line and allowed me to balance transfer on the portion they took away. 

I then asked to be transferred to XXXX 's supervisor - at Missouri call center 32 - in the unidentified location - where no-one has employee IDs. XXXX stated that XXXX - the supervisor was currently in a meeting and unable to speak. I asked to hold, but XXXX stated that the phones only hold for 60 minutes. XXXX the supervisor - at Missouri call center 32 - in an undisclosed location - where no one has employee IDs must be a very busy man. 

So, as a customer for over 21 years, I want the balance transfer fee waived - a fee that really was never in existence because of CITI 's error. I want it done before I pay them > {$6200.00} this month also because of their error. Contrary to XXXX 's claim of showing me courtesy, Citi has shown me nothing but disdain on-top of their incompetence..