WillisBack/dataset-financial-user-claim huggingface dataset:
at approximately XXXX today XX/XX/XXXX17, I called Navient to discuss my private loan I took out when I was in my XXXX year at XXXX University . My bill is {$87.00} a month. I am still enrolled in my XXXX and there telling me my in-school deferment is up on my private loan. I was able to go into a forebearance for two more months before I have to start paying that loan back. I had informed Navient that I am unemployed and still in school and when I had asked about any lower payments the only option is paying the {$67.00} interest payment for 24 months. My issue is not so much a complaint but an inquiry as the rules regarding in-school deferments for private loans. Also am I entitled to have my payments lowered further if I am still in school and have no away of avoiding a payment until I graduate?
Initially opened a home equity line of credit ( ELC ) with Wachovia which Wells Fargo ( WF ) took over during transition of companies. We always paid greater than the minimum amount due each month on our ELC. XX/XX/2015, WF forwarded, attached ltr, indicating changes to how WF would handle payments on our ELC. Never understood explanation, although, I spoke with a WF rep & it was indicated they had not been applying our interest properly. WF rep offered an unsecured personal loan, but told them I was not interested. Because my ELC was used for many items, my balance was a high one, so I felt WF was being honest with us. Due to how the interest was now being applied, we could only afford to pay only interest and our principal became stagnate since we maxed out the principle. With recent publicity on WF 's questionable practices, could someone please review our attached letter and determine if this was a legitimate and reasonable action WF took on us. Due to us only able to pay interest on our ELC, it forced us to refinance our ELC with another financial institute. If you find this ltr is most appropriate, I will consider your action complete. If you need further information from us, including copies of our original contract with Wachovia, please advise. Your review is greatly appreciated.
XXXX reported that XXXX XXXX XXXX XXXX ran credit checks on the following dates : XXXX XXXX, 2017 XXXX XXXX, 2017 ( twice ) XXXX XXXX, 2017 XXXX XXXX, 2017 I emailed them to cancelled the refinancing mortgage loan o X/XX/17. These items are significantly have lowered my credit score.
I have tried several times to request removal of a credit freeze to no avail. Submitted my information and have not heard from Experian. I provided my PIN number, provided by Experian and still have trouble removing the freeze. 

Have uploaded documents they requested to verify my identity and still have not heard from Experian. Tried calling as well, and have trouble trying to reach a live operator. The voice prompts are of no help. I provided the information and the response I get is that they are unable to verify. 

I had to place a credit freeze, because my information was hacked from their system, now that I need to apply for a student loan for my daughter it is impossible to lift the freeze. 

The other credit bureau 's, provided live operator and assisted in my request to lift the security freeze. 

Can your office compel, Experian to provide a live operator to assist consumers?
When I shopped for auto insurance recently, an insurance company told me that there is an at-fault accident in my XXXX report, and because of that they wanted to charge me a higher policy rate. This is the highlighted # 1 item from XX/XX/2016 on the attached page. 
I was not at-fault in that accident. Please promptly correct the report
I don't have any debt. None. I get harassing phone calls from companies all the time even though I have no debt and my phone numbers are listed on the do not call list. I attempted to complain to the do not call registry and the website pointed me here. Today 's call at XXXX XXXX was from XXXX XXXX XXXX
XX/XX/XXXX, bought a large rug in XXXX at start of vacation for {$1000.00} XX/XX/XXXX : Called and filed a dispute with Chase XX/XX/XXXX : Merchant responded with fake invoice saying we bought fabric, shirts, and other materials and walked out the door with merchandise XX/XX/XXXX : Chase reinstated the charge XX/XX/XXXX : We responded to the charge back and provided addition evidence. Geo tag of photo of rug we bought, date, time and location.

XX/XX/XXXX : Contact Chase again. Service rep said she re-opened the case.

This continues round and round ...

XX/XX/XXXX : Chase says that they reviewed to determine if " a billing error occurred '' and since none did we are responsible for the charge.

Chase refused to acknowledge the fact that A ) we did not receive the rug. B ) the bill the vendor provided was clearly fake ( had round off line to make total match total on cc ). Chase seemed to be trying to narrow the issue and say that since the cc charge was valid we are are responsible for the charge.

XX/XX/XXXX : I responded and said that we do not agree with their conclusion and pointed out their narrow perspective in their response. I did say that if I didn't hear back from them we would have to follow up legal action. At the time I thought we should file a small claims case. I have since decided to file a complaint via the CFPB.

No response from Chase to my written letter.

We have paid the charge so that we don't hurt our credit in the meantime. But now we would like to try to recover the {$1000.00} since I was always under the impression that we were protected when using a credit card for purchases.
Several Times I have received telephone calls at work. One time the caller called my mother and stated that there was a warrent out for my arrest, my mother called in a panic. Then the caller gave my full birthday and social security number, when he asked was it correct, I told him that even if it was he had given out to anyone that answered the call. The second time the caller stated that they have a XXXX County Docket number # XXXX and that if they do not speak with me regarding this loan that I will be arrested.
I have had my account for with this bank for more than four years, and I have made 100 's of money transfers. This time the account would n't allow me to make the transfer without changing the date to reflect the next day, even though it was at  XXXX  on the first. I was to make the date the second, which was correct. When I did the bank then charged me two overdraft fees. When I spoke with a bank official I was first told that I did n't make the transfer until   XXXX   XXXX  , and when I told the bank official that I could prove that was n't the case, she then changed her story to the cut off time is   XXXX   XXXX  . When I told her that the years of my account would show that has never been the case, and that no correspondence that the bank provides has ever stated the cut off time as   XXXX   XXXX   XXXX   <P/>
She then told me that the bank would only allow her to return one of the overdraft fees and that she would n't be able to return the other. When I asked why is it only one of the fees can be returned and not the other she stated she was n't able to tell me that. I told her that this to me appears to have been done intentionally. I further explained that if the cut off time was   XXXX   XXXX    why is it  that my direct deposits do n't show up until after   XXXX  , she claimed that was when the bank received the money, which I know is not true. When I reminded her that she could look at the history of my account and it would be able to tell her that 's not true, she said that had no bearing.
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I would like my overdraft fee of   XXXX    dollars returned to my account as this was n't my fault, and was done intentionally. I would also like my deposits to reflect when they arrive at the bank not when the bank wants to give it to me.
I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt..
XXXX and Transunion are reporting me as 60 days past due on the XXXX XXXX partial account numbers XXXX and XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
I am aware that TransUnion had a server error last year whereby multiple credit files had inquiries inadvertently removed. I recently checked my TransUnion credit report and can not with any certainty recall the history of any of the hard inquiries on my report. Therefore, because I feel victim to the lack of data integrity and the fact that TransUnion failed to follow the legal requirement of FCRA Section 611 stating that the credit bureaus must notify me within five days of reinsertion of inquiries, I ask that they remove all inquiries from my report. 

Please request that TransUnion remove the following inquiries : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all three credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than XXXX times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX  website.
I asked in writing from Portfolio Recovery to provide proof os Substation back in XX/XX/XXXX. I waited for a response, both accounts were deleted from my credit report. I received a letter from them asking for substation again and I refused to ask again. A few weeks later they re-inserted onto my credit report. I did not receive notice that they were going to re-insert the debt back onto my credit report.
I bought my house XX/XX/XXXX. I was making good money. The economy was starting to show signs of distress, but I do n't think that anyone knew just how much it would deteriorate. The loan was 100 % financing, and was sold several times. By XX/XX/XXXX I was struggling to keep up as the economy had really taken a plunge. The loans were about to go adjustable and my commissions had been reduced drastically. I was able to get a loan modification from the first mortgage, but took an additional 9 months to work out a modification with Ocwen Loan Servicing. 
XX/XX/XXXX I moved to a town that was closer to my daughter 's new high school, because I could not afford to drive ( up to XXXX round trips per day ). I rented the property to an out of state contractor who was working in the area, for 6 months. Once he moved out I hired XXXX XXXX XXXX XXXX to place a new tenant. I have never been able to rent it for the house payments and all this time I have been paying out of pocket to cover the house payments. 
XX/XX/XXXX I bought a new car, as the car I was driving has XXXX + miles on it. 
On XX/XX/XXXX, after 11.75 years of service, I was laid off my job. 
On XX/XX/XXXX, my tenant ( who always paid his rent late ) moved out. He had totally trashed the property and took my spa. I took the money that he had left as a deposit and cleaned it up as much as possible, but with so much more to do, and no paycheck, I could not afford to do any more to improve the property. 
I listed it for rent again with the property management but due to the condition of the property, I could not get enough to cover the house payments. 
The first mortgage went up XX/XX/XXXX and the second mortgage is due to go up XX/XX/XXXX. 
I immediately put it on the market, but due to the condition of the property it was listed as a short sale. I have had XXXX offers. We have been waiting on Ocwen since XX/XX/XXXX to give us an answer to the proposed sale. They said that we did not provide the documents, which we did, then they lost the documents, then and still, they say that it is with the investor and there is nothing that they can do, meanwhile they continue to call me regarding the payment. 
The XXXX buyer canceled because they were tired of waiting. The XXXX buyer is tired of waiting and has threatened to cancel. The back-up offer is lower than the XXXX offer that is on the table. 
Every day / month that goes by, my credit is affected more and more. I have tried to make my payments at least 15 days in advance of the payment due date in order to have good credit. 
Ocwen denied my request initially as I was given a severance which has since run out. 
If it goes into foreclosure, Ocwen will get nothing. 
I am a XXXX year old single mom. I have a daughter that is graduating XX/XX/XXXX and will be going to college. My child support will stop then. I can not afford this house any longer. 
Ocwen promised an answer in 45 days. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX.
Someone with a similar name is listed with a different address on my report. This came about after a credit card was opened using my name. I would like the name removed with that person 's address in my Experian generated credit report. Experian makes you pay to change anything that is incorrect from their website and their phone number directs you to their website. I had paid a monthly fee to Experian earlier in the year for about 6 months but then discontinued the service. This is the first time to my knowledge that my identity has been used by someone else.
Fraud student loan consolidation. Within the last week I have received fraud alerts from XXXX  and XXXX XXXX and this mess has cost me a loss of 24 points on my credit score. I only had one loan with EdFinancial and have been making payments even before I needed to. I had a balance of {$570.00} left and when to make my regular payment and it showed the account paid off. I called EdFinancial customer service on XX/XX/XXXX and they said my account was sent to Navient ( a company I have never heard of ) for student loan consolidation. I explained that I have never taken another loan. They said they were no longer involved and to contact XXXX. I called XXXX and they said the account was new but they could see it was to consolidate with other student loans I have. They sent me to the fraud department and I asked for them to provide proof I took out a loan and they literally had no paperwork on any loan. They said they would get back to me on a few occasions and never did. I am being bounced back and forth. At this time I do not know where my loan is so I can make a payment as both companies have an open account.
XXXX XXXX IS REPORTING ON MY CREDIT XX/XX/2016 ACCOUNT NUMBER XXXX THIS COLLECTION IS NOT MINE. I WANT IT OFF ASAP
This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current credit report.
On XX/XX/XXXX, I received a statement from Capitalone in the amount of XXXX, plus XXXX interest on an unauthorized purchase from XXXX. The card in question, XXXX, expired in XX/XX/XXXX. The card has long since been destroyed. The service in question is a website : XXXX was closed back in XX/XX/XXXX and is unavailble for users. I have contacted the company by mail twice, and by phone once. The assigned a case # XXXX
XXXX XXXX XXXX for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails equifax refused to block XXXX XXXX XXXX account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report
I contacted this creditor on their secure login site and asked what a XXXX debt was about as i found it on my credit report. i requested complete verification of the debt to be mailed to me. A week later it no longer showed on my credit report. 
Now I check again and it lists a new debt, with a Open date as of XX/XX/2016. This is around the time i disputed it. This is completely fraudulent. 

It is for XXXX and I have not been to any doctor in YEARS!. 

This new " collection '' brought down my credit rating and fico score.
BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY
We refinanced our home and closed on the financing XXXX XXXX2015. Our attorney has her bank statement showing the wire was sent and posted on same date.We have numerous letters in our possession. Wells Fargo collected two months of XXXX Mortgage Insurance ( total of {$530.00} ), XXXX for XXXX and the other half for XXXX. Letter from WF dated XXXX XXXX. 2015 states that only XXXX check for Mortgage insurance was forwarded and the other not paid out. After not hearing from WF i sent a letter Dated XXXX. After XXXX telephone from WF employees,, i wound up with XXXX different stories and non made sense. They are refusing to issue os a check for {$260.00}. They said that that amount was included in our escrow check, but it wasn't.We are retired a couple living on a fixed income and the money means alot to us. No one should go through what we have gone through the stories told by the XXXX employees involved.Please help us. Thank you. we have full documentation on this matter. Please help us.Thank you
Issue : On XXXX XXXX, 2016 I went to BB & T ATM at XXXX XXXX XXXX XXXX, XXXX Texas XXXX to make a withdrawal of {$300.00} using my BB & T Ready Access Card. The money did not dispense ( the money came out but went back in ). I contacted Manager in person, but was told to call the number on the back of my card. Called the number on the back of my card, they stated they would send me out a form. I received the form, filled it out and returned it. I have not heard from XXXX concerning this matter. So, on XXXX XXXX, 2016 I called XXXX. Spoke to Rep XXXX. I told her that my daughter is on the line and will speak for me. She stated I can not speak with her due to HIPPA, if she continue to talk I will hange up. My daughter asked to speak to a Supervisor and the Rep hung up on us. We attempted to call back, but the hold was extremely long. 
1. No real resolution dept 2. Poor Customer Service Skills 3. Fraudlant Company 4. Long Holds before a Rep answers
XXXX   XXXX   XXXX  received paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do s o Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30  and 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX
I have been trying off and on for a couple of XXXX XXXX XXXX XXXX XXXX to place a freeze on my account with TransUnion. I also tried this a year or so ago, when I placed freezes XXXX successfully XXXX on my account with XXXX and XXXX. When I log into TransUnion, confirm my address, and click Continue, I get to a page that says they are having 'technical difficulties '. I have not called the phone number listed, because last year when I tried several times to place a freeze with them, their phone support was inept and completely unhelpful and uninformed. I appreciate any pressure you can exert on TransUnion to get their act together and allow consumers to place freezes on their accounts. Thank you.
I overdrew my checking account. I had sufficient funds in my money market account to cover the overdraft but the bank chose instead to take the funds from my overdraft protection line of credit and charge me interest. Their excuse to me was that my money market account was n't linked to my checking account. I had been told previously by local bank people that it would automatically come out of my money market account. I believe that this is a fraudulent practice by the bank to make more money at the customer 's expense.
I closed a XXXX loan in 2013, and XXXX did not require me to obtain XXXX Interior Condo Insurance. 2 Years later SLS is threatening to force place this insurance on my property because it 's their " Policy '' for me to have it when my note does not contain this requirement. It 's not fair to change the rules in the middle of the game.
I have a mortgage with NationStar Mortgage. I try to pay my mortgage in aaaa advance by 1-4 months. I also pay extra principle with most all of these payments. I submit via mortgage coupon or wire transaction notes my instructions on which month to credit the payment towards and the balance towards extra principle payments. The company will not abide by these instructions and choose their own way to post the payments. 
Sometimes it is all to principle, other times not. I have to call in or email in my complaint and THEN and ONLY THEN will they post it correctly. 
They insist I sign up for XXXX of XXXX plans to have my payments directed. I Have chosen none of these as I want to direct my payments as my funds allow well in advance if I can. They REFUSE to post as I ask them to with each payment. Is n't this illegal? Why have transactions notes or Mortgage coupon notes if you wo n't read them? I have never, ever had such a problem in 30 years. Can I demand they read this or demand transfer my mortgage to a company more traditional? Thanks, XXXX XXXX XXXX XXXX
I paid off my XXXX XXXX XXXX account. The XXXX 2015 block shows closed, but the XXXX block shows 30 days past due even though the account was already paid in full by then. They then showed XXXX and XXXX as closed as well. I disputed this with Experian and they replied that it could not be changed.