WillisBack/dataset-financial-user-claim huggingface dataset:
Good Afternoon, After I entered all the information and pass the XXXX multiple choice questions, Equifax and XXXX did not allow me to see or print my credit report via online!. 
I did receive the XXXX Credit Report. 
Thank you. 
XXXX
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge ALL CREDIT HISTORY OF THE LOANS WILL BE DELETED. I've sent multiple disputes to Navient and each credit bureau that's STILL reporting and they REFUSE to remove them.

Navient has reported them as defaulted and/or paid as agreed and that is NOT what it is. They have been DISCHARGED!!! NOT paid as agreed or defaulted. I've called them several times about this. I even spoke with someone who said they should've been deleted since they were approved for a discharge. The letter they sent even said they will they will notify the consumer reporting agencies to have them removed. They've yet to do that.

They are fraudulently reporting them as something they shouldn't be reporting as. I've asked them to change the status from DEFAULT/PAID AS AGREED to their true status of DISCHARGE and they refuse to. They constantly say they are reporting them correctly when they aren't.

This needs to be resolved AS SOON AS POSSIBLE.

I've attached the LOAN DISCHARGE APPROVAL LETTER, the letter from them saying they are reporting correctly ( as they are NOT ), and a copies of my credit report that show where they are still reporting incorrectly.
On my line of credit account I owed {$160000.00} and It was refinanced with the same bank ( PNC BANK ) and same bank according to a payoff statement they paid off {$160000.00} on XX/XX/XXXX. Based on this old line of credit account should have been closed with XXXX balance instead, I see that PNC Bank still shows {$610.00} outstanding under my account and when I called they said I still owe them interest in the amount of {$240.00}, which I paid right away on XX/XX/XXXX and the balance {$360.00} according to PNC is the charge for closing the line of credit account early ( before 3 years ), which they will waive since I opened up another line of credit account with the same bank and account will be cleared with no dues in 2-3 business day. I checked my account on XX/XX/XXXX and found amount is still outstanding so I called PNC bank on XX/XX/XXXX and again they gave me the same answer saying they will escalate this and will be resolved, I called again on XX/XX/XXXX and I was told that now I owe {$360.00} for account closing and another {$360.00} for diff in payoff amount ( which they done have any explanation on ) so in total according to PNC I owe {$730.00}. 

I have also had issue with the same bank XX/XX/2016 on my line of credit account where they tried to debit ( ACH ) my monthly payment from random account ( I didnt have any PNC account ) and when payment was returned they charged me fees and then reversed but from my next payment they took away the entire amount and applied it to the interest instead of my term which is principal and interest. 




Also, this account also shows that my next payment due is {$910.00}, can you please let me know why since this account is already closed? 




On my new line of credit accouint ending in XXXX - When is my next payment due and what would be the amount? 




I would really appreciate if you can help me by answering above and taking care of this. 


Thank you, XXXX XXXX
My wife and I gave personal information to XXXX XXXX a loan officer for a loan from Movement Mortgage LLC. We found and can prove that the mortgage company was subsequently padding expenses that they promised not to charge. Accordingly, we withdrew our application. We asked that the mortgage company shred all our documents and delete all our personal information from their computer files. The mortgage company will not respond.
I was unable to make a payment online like I was able to a month ago in XXXX. This month it would not allow me to do so and insisted I include late fees or I would not be able to make the payment. I feel as if I am being discriminated against by this company.
I received a letter from Experian dated XXXX XXXX, 2015 stating that i needed to call them directly as they believe my dispute by mail was suspicious. After speaking to XXXX of there representatives and providing proof that they are reporting wrong personal information, they still claim to have verified my inaccurate information and will not remove it. I asked for proof of there verification and they will not provide it to me. They are also reporting inaccurate and unverifiable accounts and they will not remove them.
Someone purchased a mattress from XXXX under my name and had it delivered to an address that wasn't mine. Wells Fargo purchased that debt. I disputed that debt with Wells Fargo and provided proof that I did not authorize this purchase. I have a letter from Wells Fargo stating this. 

This unpaid debt is still on my credit report ( XXXX ) and is preventing me from refinancing my student loans. I called Wells Fargo fraud department and they told me that they would contact all credit agencies. Additionally, I have disputed the account through XXXX and the dispute failed ( w/o providing a reason ). Despite these actions, I still have this unauthorized account on my XXXX credit report
I ca n't get an explanation from Transunion for the recent XXXX point drop in my credit score even though there have been no changes in my file that would cause such a drop. Today I was told that I would have to seek assistance from a credit advisor at my expense.
On XX/XX/18, I initiated a wire transfer from my account as HSBC USA to my own account at XXXX XXXX in XXXX for {$35000.00}. I logged into my HSBC account and initiated the transaction using a template that I set up in XXXX when I successfully transferred {$70000.00}. 

On XX/XX/18, the funds had not arrived. I contacted customer service and they confirmed that such a transfer should only take 1-3 business days. I was then told that my relationship manager had to provide additional information. This struck me as strange as I had no relationship manager ; had never been contacted by a relationship manager ; and that this was never a requirement in the past. Eventually, the representative took the required information on behalf of the non-existent relationship manager - the information was the exact same information as the wire instructions. The only additional information I supplied was the branch number, information that XXXX XXXX assured me was not necessary for funds to be delivered. HSBC said the funds would be wired that day. 

On XX/XX/18, I called again and was told that there were security issues and system issue so that the funds had not been wired, but that they would be wired that day. 

XX/XX/18, I called again and was given a series of excuses why the funds had not been delivered, but that an investigation was underway. 

After XX/XX/18, the communication switched to email ( attached ). I have been emailing the relationship manager and customer experience team ( who is in charge of the latest investigation ), but all email responses have ceased since XX/XX/18. I have called both teams, but no one picks up the phone. 

Conclusion : my account was debited on XX/XX/18 for {$35000.00}. As of XX/XX/18, the funds have not been delivered to my account in XXXX and HSBC is unable to tell me where the funds are. And HSBC does not respond to email or phone calls any more.
I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place?
XXXX XXXX DOB XX/XX/XXXX XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX, XXXX F XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX
Date : XXXX Amount : XXXX litecoin Company : XXXX ( Coinbase inc. ) My account : XXXX Action : Failing to recognize an erroneous transaction I was trying to transfer Litecoin to my another account. However, I accidentally entered my Bitcoin address instead of my Litecoin address as the receiving address. Of course, this got rejected by the blockchain right away. However, XXXX confirmed this as a valid transaction. As a consequence, the XXXX litecoin has been withdrawn from my GDAX account although the transaction never happened. Ever since, Litecoin had dropped 30 % in value and I lost the opportunity to sell it since XXXX had effectively confiscated my litecoins. I contacted their customer supports and they havent got back to me in 2 months. 

I attached two screenshots. One shows the transfer history from my XXXX account, and it says the transfer is complete. However, if I track the transfer address, it says the Litecoins were never redeemed ( i.e. the transfer was never completed )
I've been receiving unsolicited credit offers from Capital One bank in XXXX, VA, despite being registered with XXXX XXXX opt-out and XXXX. I first e-mailed Capital One, then called their customer service number several weeks ago to request my name and address be removed from their mailing list -- yet their pre-approved credit offers continue to arrive in the mail about every XXXX days.
On XX/XX/18 I reported a fraudulent transaction made on my debit card in the amount of {$150.00}. A fraud report was made case # XXXX and I was told to destroy my card because it was blocked and could not be used and I did. 

On XX/XX/18 I received an email stating that a purchase was just made at a XXXX XXXX with my 5th 3rd debut card. I called 5th 3rd and the fraud department me informed me that my debit card had not been blocked and they could not see why it was not blocked in their system. If the card would have been blocked as they told me it was yesterday then I would not be dealing with another fraud incident. This situation is placing stress on me and my family as we have bills scheduled to draft and groceries to purchase which I can not do so now. 
I spoke with Supervisor XXXX ( XXXX ).
-There are two users on my Chase checking account with ATM cards. 
-One of the users had a fraud alert that caused Chase to replace their ATM card at the end of XXXX. During that call, the user of the account requested whether we should proactively close their other user 's card to avoid a fraudulent charges there. The bank said that was not necessary. 
-During the week of XXXX, the other ATM card in question wound up also being compromised and a series of {$100.00} withdrawals was taken over several days to a total of ~ {$950.00} in Florida , a state I was not physically in. On XX/XX/XXXX I saw the fraudulent withdrawals upon logging into Chase and notified them of the fraud. 
-Likewise these ATM cards include a chip, so I'm unsure of how that technology protects me if this can happen. I had the physical cards. 
-On XX/XX/XXXX Chase denied the claim because they showed activity of me logging into the account during the withdrawal period and claimed I was aware. I had not logged into the interface and was not aware of the withdrawals. 
-The dispute is that based on the login information Chase shared we were able to identify that it the logins were due to automated budget software logging in and therefore I was not aware of the withdrawals. 
-Chase claims that as a result I am liable while I believe this should fall under Chase 's claim of {$0.00} fraud liability. 
-They have claimed they would re-review the case but have been unwilling to take into the account the specifics of this case. 
-They also refuse to acknowledge that if the customer rep had agreed to take the steps we suggested and replace both cards this wouldn't have happened. 
-I am now left holding the bag for {$1000.00} that was taken from Chase because their fraud systems were insufficient.
" Trans Union Had a glitch in their system that violated the rights of their consumers. Under sections 6.11. As a result, I have been gravely affected and my score is sufering as a result. I also have XXXX derogatory accounts listed by the same collection agency with different charge amounts. These were all listed around XXXX XXXX. These are Repeated collection accounts from XXXX XXXX XXXX. There was no warning ever given, which is also a violation, and I am requesting that all inquiries and collections accounts be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX repeat inquiry XXXX XXXX XXXX repeat inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$200.00}
For several months I have received 2-4 calls per week!, requesting me to apply for a credit card, usually ending with " This is last and final notice. '' But it is n't 'last ' or 'final ' because they continue to plague me. The company is Carnival Credit Card Services, which from the internet, indicates Barclay Bank. I have never requested nor am I interested in their credit cards. How can I insist they stop calling my phone number. I work at home, and it 's a great inconvenience to get up from my desk and answer this call. Thank you.
On XX/XX/2018 went to Chase Branch executed check claim for {$100000.00} tendered to XXXX and my public adjuster XXXX. I was advised the claim check was going to be deposited into my account in 2 days. 

On the XX/XX/XXXX the funds was cleared and on the XX/XX/2018 I  discovered my funds was debited from my account without my permission. 

On the XX/XX/2018 I received a suspicious call from a 5 digit number unrecognized twice and answered. 

A young lady said she was from Chase claim department and my money was taken back out of my account. 

I inform the individual that I was advised before signing over the funds to Chase that the funds would be deposited into my account in two business days and that I had outstanding checks out their and needed to take care of my business. 

I informed Chase I did not authorized anyone to go into my checking account only to make the deposit at the branch downtown on XXXX XXXX XXXX XXXX Il Now Chase also took all of my money I had prior and after the deposit of {$100000.00} in the amount of {$3100.00} that since XX/XX/2018 and that money was stolen from me by Chase and have a overdraft fee too. 

I told the Chase rep XXXX that I was not paying off my {$33000.00} mortgage and they said I did not have too. 

I was told the entire {$100000.00} would clear in two days and I directed the funds to be deposited into my acct that I gave to XXXX. 

Now I contacted the Chase and my money is still not in my account and I dont trust them because they took my money out of my account with my permission. 

I informed them onXX/XX/2018 I had outstanding checks and instead my money was stolen from me and I was scammed in endorsing the check and have bounce checks and fees. 

I dont trust Chase anymore because they are going to get me into alot of trouble bad credit and killed taking my money out of my account. 

I am very disappointed with this kind of behavior and conduct. Now I have {$80.00} in my account can not take care of my business.
I HAVE A MEDICAL BILL ON MY CREDIT PROFILE THAT IS NOT MINE. I HAVE CONTACTED THE COMPANY ON SEVERAL OCCASIONS TO GET THEM TO REMOVE IT. THEY SAY THEY HAVE A COPY OF MY MOMS SIGNATURE ON FILE WHICH IS IMPOSSIBLE, BUT THEY DO NOT HAVE A COPY OF MINE. I FEEL THAT THE COMPANY IS ABUSING THEIR AUTHORITY IN KEEPING THIS ITEM ON MY REPORT WITHOUT PROPER VERIFICATION. MY MOM IS DECEASED AND COULD NOT HAVE SIGNED THESE OR ANY DOCUMENTS FOR ME AS SHE NEVER HAD POWER OF ATTORNEY. I WOULD LIKE THIS ITEM DELETED IMMEDIATELY
The individuals from account control technologies have spoofed the caller ID to say it is my mom. When I click on the phone number information it states the number is found in my moms work email.
Equifax mishandled my information which has lead to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media while Equifax has access to all means of communication with me.
I have been out of school since XXXX XXXX and I have been paying my student loans since. My original loan amount was {$31000.00}. Even though I make my payments on time every month and I send them additional money specifically asking them to apply it to the principal my balance has only gone down to {$29000.00}. There is no way that this should be the case. When I asked them how this is possible and why they were n't applying my extra payments to the principal ( they are putting it toward interest ) like I asked they stated that the account accumulates interest daily. So no matter what I ask them to do, it 's always going to go to interest. How is the loan ever going to get paid off if that is the case? Furthermore, no one ever explained that to me because I would n't have agreed to that. On XXXX/XXXX/XXXX for instance, I sent them a check for {$500.00} which was for principal only and they applied {$150.00} of it to interest. The customer service reps are n't helpful at all. In over 10yrs I 've barely made a dent in this loan and something is wrong with that.
On XX/XX/2018, I purchased a " XXXX '' item from XXXX The item arrived after the date promised and the shipping cost more than the item itself, supposedly due to the " rush shipping '' ; the cost of shipping was actually due to the item being shipped from overseas ( misleading from the store 's claim to be located in " CA XXXX, United States of America '', as shown here : XXXX ) The item was extremely low in quality and flimsy ; I was immediately able to find a better replacement for half the price and I requested a refund from XXXX XXXX Per their return policy ( XXXX ) : " Products with quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. Products ( excluding Made-To-Order and disposable ) with no quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. For Made-To-Order clothing, if the items do not fit properly but were made accurately according to your order  specifications, you are eligible for a free, one-time-only re-sizing service. You are responsible for all shipping fees incurred. Any product that has been used does not qualify for a return or exchange. All returned items must be in brand-new condition, unused and with original tags and packaging. '' I emailed this company immediately upon receiving the item and also tried phoning their dead-end customer service line to no avail Upon being ignored, I opened a case with PayPal/PayPal Credit to rectify this bad purchase on XX/XX/XXXX ( all emails that I sent to the company were uploaded to my case for proof ) After reviewing this case for over a month, PayPal failed to reach out to me before denying the charge-back completely on XX/XX/XXXX ( I emailed them 11 times before the decision was made and every single one went unanswered ) I believe this item was sold to me in a dishonest manor, as I never would have purchased it knowing it could not be returned I never heard back from XXXX XXXX until the case was decided in their favor ( exceeding their supposed 14-day return policy ) and then was told it would be my responsibility to pay to return the item back overseas ( again, I never would have purchased the item in the first place, knowing there was a possibility I may need to return it, if it would have to shipped back internationally on my dime ) I am unsure why PayPal has been so unhelpful, but I have already called 3 times this week alone for assistance and after being refused service, transferred, hung up on, and steered in several directions as far as how to appeal this case, I have no where else to turn This case is also currently on file with the FTC
I have attached my tax return. I only made {$250.00} in the state of maryland, Thus I do n't owe what they said I owe. 
Maryland has closed this stating they are satisfied, but now it is on my credit for the next 7 years. Its not right, It should not be on there at all. It needs to be off. I attached XXXX document reporting this. 
Thank you
I have been working with Navient and  XXXX  for the past year on an IDR. I have faxed over documents multiple times including pay stubs and the application for an IDR whi ch Navient continued   to say they never received on at least 3-4 occasions each time offering me a 60 day forebearance. On the last occasion I mailed a ha rd copy to the company and finally received an IDR,  XXXX  received my documents however takes several days to process and IDR. They in turn report that additional information is required because the pay stubs need to be within the past 30 days.After supplying current pay stubs the agency requires the same duration for processing as the pay stubs expiration and I repeat the process offering a forbearance each time. The services appear to operating dishonestly by giving the " run-around '' to individuals making due diligent efforts to receive an IDR plan an affordable monthly payments.
The reason for me filing this complaint is due to Nationstar Mortgage foreclosing on my property while I am undergoing a loan modification. Also the information they are requesting is unnecessary and was never requested when I was undergoing a loan modification with XXXX XXXX XXXX not until my account was sold and/or transfer to Nationstar Mortgage in the process of modifying my loan. I should n't have to write any letter of my living arrangement to qualify for a loan modification or supply any mortgage statement on property I am not seeking to modified. This information they are requesting is for personal use only and nothing else.
Disputed Credit Card Charge by vendor for cancelled services on XX/XX/18 for {$260.00}. Vendor did not challenge charge back and XXXX Credit Card refunded the charge. However, the vendor sent fraudulent debt to collections and I was notified to it by the credit report provided by the Credit Card.