WillisBack/dataset-financial-user-claim huggingface dataset:
spoke to CSR name XXXX XXXX XXXX AT Navy Federal Credit union, representative told me as he was talking over me, I owe {$340.00} from over 17 years ago, I said to my knowledge I can not remember what that charge was for may I know what it was for? he stated he can not find that info but to be pat of navy fed you must pay this balance. I advised him I would nor would anyone pay a bill for a reason they can not recall making. I would gladly pay for it if I knew the charge. he continued to interrupt me with more questions as I was trying to gain information such as, why did you wait until now to pay? um maybe cause I did n't have the money ... any way, I asked to speak to a manager ( XXXX XXXX which I 'm sure he was more then happy to transfer me to. Supervisor XXXX was delightful and very pleseant to speak to awesome awesome customer service and very knowledgeable. XXXX complete disappointment to myself in my opinion to navy fed and to himself.
I AM APPLYING FOR HARDSHIP ASSISTANCE WITH MY LENDER FREEDOM MORTGAGE. THEY ARE REQUESTING FOR MY XXXX TAXES, I HAVE LOST MY 1040 'S AND HAD TO CONTACT THE IRS TO REQUEST FOR A COPY WHICH THEY PROVIDED MY TRANSCRIPTS FOR XXXX AND XXXX. I HAVE SENT THEM TO MY LENDER AND THEY ARE STILL REQUESTING FOR MY TAXES, I HAVE CONFIRMED THAT THEY HAVE ALREADY RECEIVED THE TRANSCRIPTS VIA EMAIL AND THE REPRESENTATIVE THAT I WAS SPEAKING TO TODAY STATED THAT HE DOESNT KNOW WHAT TRANSCRIPTS ARE!! THIS IS INSANE! HOW DO YOU LIVE IN UNITED STATES AND NOT KNOW WHAT IRS TRANSCRIPTS ARE, HOW CAN FREEDOM MORTGAGE HAVE AN UNDERWRITER ON STAFF THAT DOES NOT KNOW WHAT TRANSCRIPTS ARE!! I LITERALLY HAD TO EXPLAIN STEP BY STEP WHAT TAXES ARE FROM 1040 'S ALL THE WAY TO TRANSCRIPTS FROM THE IRS!! 

IT IS APPARENT NOW THAT FREEDOM MORTGAGE IS DUAL-TRACKING AND I WILL NOT TOLERANT THIS IGNORANCE. IT IS NOT MY RESPONSIBILITY TO TRAIN FREEDOM MORTGAGE UNDERWRITERS AND EMPLOYEES TO RECEIVE HARDSHIP ASSISTANCE.
I had already had a loan with company and only owed them XXXX on the loan, and needed more money. so I called in for XXXX and told them I wanted on separate account, but they did not. They refinance the same account and now I owe them XXXX, which is not right, because I did n't borrow nearly that much.
COASTAL CREDIT LLC is reporting a fraudulent auto loan on my credit report. I have reported the fraudulent account to the police department. I have submitted the police report, id theft affidavit, and letters stating I am a victim theft to COASTAL CREDIT , LLC and the credit bureau on 3 separate occasions and the letters are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have not deleted from my credit report nor have they responded to my certified letters.
Over a year ago, American Express " blacklisted '' me after attempting to steal from me ( a previous complaint covered this ), and has repeatedly pulled my report since ( see " XXXX XXXX '' and " XXXX XXXX '' for all false inquiries ) then and told me that they 're " reviewing my credit application '' and would get back to me. I have the link to check what 's going on ( well, to see what card they say they 're looking over ) which is here : XXXX XXXX  XXXX. ( See " XXXX XXXX '' and " XXXX XXXX '' for some recent attempts of this as seen in their system. ) I have tried to reconcile this fraudulent use of my credit report as well as their theft, and they have continued to stonewall me ( see " XXXX XXXX '' that shows them explicitly stating that they refuse to listen to me at all unless I show them " new information, '' despite showing plenty ). I believe XXXX ( the credit report that the inquiries from American Express show up on ) previously asked that I dispute this through American Express, so American Express stonewalling me has made it impossible to get the several false inquiries removed. 

It is additionally evident that they are false and unauthorized as American Express 's system shows that the " applications '' are all " cancelled, '' and they never give/gave a further explanation for that.
XXXX XXXX XXXX XXXX Ive never been seen at this place before. I never received any information nor phone calls that I owed a debt. I called to see what it was for because it got placed in collections and added to my credit report. I talked to someone that stated they werent sure but it happened in 2015. With no attempts to let me know this was even active. The credit agency is Midwest Recovery Systems who Ive never heard of. For {$340.00}.
XXXX 2014 I applied for a Sams credit card by phone. I told the lady on the phone I was using a captell phone for the hard of hearing and deaf. She was aware of my situation. I was told to get credit cards to build credit because I have never had credit cards before. On the phone the lady told me they were offering 0 % interest rate on the card. I accepted because I was told that was good otherwise I would have never accepted if there were interest rates. I was approved for the credit card in the amount of {$4000.00}. I did use the card and I have been paying on it every month. As months went by I notice they were charging more on my monthly payments racking the interest rates up. I was having a hard time paying all that money. The payments started at {$25.00} then I started paying {$55.00} a month every month then it started going up and up into the XXXX 's I am like wait a minute this is not right. Every month it be more then what the actual payment is suppose to be. I got laid off work and I still tried to make the payments. I called and explained and they lied to me about the interest rates. I filed complaints they agreed to credit some of the payments. In my mind why would they credit most of the payments because they admit they made a mistake. I told the I will not make anymore payments until they correct my account because I have been paying on it every month and that they lied about the interest rates. I am not paying until they remove their name from my credit report. They know they made a mistake because other wise they would have never credit the payments. I am asking that they fix my account because it should have never been closed in the first place if I was making payments on it every month being a loyal customer until they started cheating XXXX with the interest rates and lied about the interest rates. I am now being XXXX on my credit report because of them. I ca n't or not allowed to obtain credit with anybody else because they XXXX up on my account for something I was making payments on every month and this is not right that they are at fault for everything. I want them to credit me back what they owe me and take their name off my credit report. They knew I ca n't hear so they will use my XXXX against me to say I did n't hear the lady right. I have a phone that types everything the party says and I know they would not make a mistake on what the other party said. They can get fired for that. This is a government agent on the other line typing my messages. I copied all my seven months payments to attachment that I made to sam 's club card.
This company is using illegal collection practices. They claim I owe more than I do and attempted to repossess my vehicle after 22 days without a payment. They threaten to repossess if I do not pay whatever unreasonable amount they determine I owe. They refuse to provide me with detailed activity of my account and payoff amount. They claim that I will be sued or my property will be seized and even sent a man to my home with a large paper that resembled a legal document. They have added unauthorized interest, fees, and charges not listed in my contract. They call me repeatedly, almost daily, and cause undue stress on my family and I. They make it extremely difficult for me to pay on my account without paying additional fees or calling into the finance company.
I have reached out to this agency XXXX XXXX XXXX for a contract to a item in their office # XXXX in the amount of {$14000.00} that they placed on my credit report due to no knowledge of what item is and i can not get a response. The only information i can get from them is that they are not working this item and a phone number to another agency that they said was working this item, i called the other number they gave me and that agency also said that their company is not working the item either, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX phone # XXXX is reported as a derogatory on my credit report please have them to provide me with the contract of this item.
Good evening, I received a correspondence that my account was past due, to my surprise! This credit card was paid off in full. I contacted customer service to inquire about what was past due ( interest/late fee ), I requested that the late fee and interest charges be credited since the balance reflected was paid in full. I would like the charges credited to my account. 

Thank you
I received my annual credit reports. there is a company that on my XXXX XXXX XXXX report by the name of XXXX, XXXX XXXX XXXX XXXX. I have no idea who they are, I have not requested any credit, form any credit company in the past year. The inquiry says is from XXXX XXXX, I was traveling on XXXX XXXX was not even in the United States. Someone must have used my information, and now appears ad a credit inquiry from XXXX XXXX, XXXX. 


XXXX XXXX XXXX
My credit score went down from XXXX  to XXXX. In a day. When I contacted equifax for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is equifax, XXXX and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.
My home was foreclosed on XX/XX/XXXX without me having my due process. Bank of America would not allow me to extend my foreclosure meditation process or make a loan modification. I believe I am being discriminated against. I have been in the home for over 9 years. I reached out to Bank of America several times to modify my loan and was given the run around. I submitted financial documentation and received a letter of receipt of confirmation XX/XX/XXXX from BOA no answer regarding the modification. I was given a motion of ejection for XX/XX/XXXX. I filed a motion of stay of ejection and was denied today. I also filed a motion to open my foreclosure judgement because I was not given the opportunity to stop my foreclosure with a loan modification. I go to court XX/XX/XXXX. BOA has a history of discriminatory lending and mortgage practices against XXXX Americans and XXXX. I would like BOA to agree to open my foreclosure judgment.
This is in reference to Complaint Number : XXXX about USAA referred to CFPB by Federal Trade Commission. IT seems like USAA are continuing the delay tacking and is refusing to seriously investigate the fraudulent account. 
I just got home and was told by her that a Certain XXXX ( phone number : XXXX ) call her on her cell to tell her that an independent review decision was not in my favor and my best bet was to call him at the above phone number. For some unknown reason USAA are not taking this matter seriously, a complaint that was send to the bank just this morning has already been seriously investigated by an independent review board? USAA have been fabricated transaction in attempt to justify this fraudulent account. 
Including to report that I have made my last payment in XX/XX/2016. Additionally the same account is being reported twice, as a charged off account and as a " Pay as Agree '' account, max out but in good standing. This is a fraudulent account!!!
TD Bank is giving me headaches. I put in a dispute for charges that were suppose to be funded back to me. Apparently, I won the dispute against the merchant and was credited back {$100.00} into my checking account. I already had an overdraft for something I'm taking responsibility for. So I see another debited transaction for {$100.00}! I called the customer service to figure why I now have - {$220.00} in my checking account. Apparently the dispute department credited me {$100.00} twice!! Which I didn't know and held liable for something that was their mistake and not mine! Now I'm held responsible for their mistake!!! Is this fair? It sure not!!! Someone screwed up their job and I'm scapegoat for it!! I'm seriously considering taking my business elsewhere because this is ridiculous!!!!!
My Chase account was restricted because of a mistake that was made by somebody else, resulting in me not being able to have access to my funds in my account. I 've been told that I had to wait 2 weeks until I was able to use MY money again. I was also told that some of the funds would be available today, XX/XX/XXXX. Then I was told that the manager who told me that lied to me and that my funds were still on hold. I keep getting the runaround about MY money. I have a life to live, which I can not do because the bank refuses to give me any access to MY money. They keep telling me 7-10 business days & honestly, no one can survive like that with absolutely NO money. They wo n't even let me close my account and get the funds out. Chase is just a HORRIBLE bank.
Chex system actually wrote back to you and lied. 
The police said that there is no shelf life or expiration date for a police report when it contains similar offences over the course of years to follow. Check system seems to want to feel that the police should do things differently and that what they like. The law clearly states that I need to file a complaint with them that the information is fraudulent and they have no more than four business days to block it. If they find they blocked it and error then they can add it back. The police do n't have to do their job and I do n't have to do their job I 've done my part according to the law of the fcra section 605b. I 've complied with that and they have broken that law. Please write to them with this complaint and tell them they can not rewrite the laws because they want it that way petitioner Congress people and have the Congress people rewrite the laws but they have to follow the laws as written. And there 's no shelf life for police reporter investigative report for ID theft and they 're absolutely is no leniency if they do n't react within 4 business days. We 're talking years now and they still have not complied at all. Have them answer to these charges because they are a XXXX percent factual. I 'm a victim of identity theft the court found that and the police found that I do n't have to constantly defend myself because an agency does n't want to follow the law. Have them remove this information immediately. XXXX XXXX XXXX Bank and XXXX XXXX XXXX. After the police report was concluded XXXX Banks tried to take me to court saying that I was using an alias and they lost. That 's the dismissal that was voluntarily done by the XXXX Banks. So much for the shelf life of a police report because this was the next year. I did n't have to file a new police report the courts accepted that XXXX from XXXX this dismissal was XXXX. The letters that have gone out for my attorney to these entities are dated XXXX of XXXX and they do n't feel I need to file a new police report because the police do n't want it and they know the law too. Check systems needs to be called out and have them follow the law they ca n't rewrite the law because they want to and they do n't like it. No argument they make is valid at this time unless the law gets Rewritten. Act according to the law ChexSystems not what you want the law to be.
I have made several attempts to download my credit information from Experian an Have called them o their hotline at XXXX XXXX to no avail. I have used their direct website where you have to pay as a last resort several times after they said they made repeated attempts to reset the system for me. I have had no trouble obtaining my tranunion, and equifax reports but this is an immenense mystery toe. I made an additonal attempt to apply by phone and surprisingly the system found me, but they said they will try to send me a copy to my home address within 15 days if they can track all of my information down. In any event they will attempt to locate my info and send what they have. This Is All Surreal. I am XXXX years old and XXXX credit agencies can find me on the spot, and another does not even believe that I am an American citizen. How Is this Possible? Does Experian do their call center business in XXXX? Please help me get a copy of my Experian report. Thye call center employee aqctually told me that she cold not help me. I am working with lexington law firm to help improve my score from fair to excellent. Ineed your help obtaining my legal rigt to posess my experian report.
XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX & XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.
Today,XX/XX/XXXX, I used XXXX to access my credit reports. 

I am on a XXXX XXXX computer, running mainstream antivirus software, the XXXX web browser, and the XXXX plugin for additional security. 

XXXX and XXXX both allowed access to my credit report without issue. 

However, Experian blocked access with this error : " A condition exists that prevents Experian from being able to accept your request at this time. '' This error is reported online to indicate that Experian disagrees with my use of the security and privacy plugin XXXX
There are XXXX liens on my XXXX credit report that do not belong to me. I have asked for verification from XXXX and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.
I have for 3 moths w TRANSUnion XXXX  and XXXX filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake names on there..
We were renting the mobile home which the owner offered to sell to us. We went to Wells Fargo for financing since we did all of our banking with them. My wife and I first met with XXXX XXXX in XXXX of 2015 and discussed different financing options. At this time she informed us that we needed to have the monies for the down payment, etc. to be in the bank for at least 2 months before closing. This would push things into XXXX, 2015. I signed the sales contract with the owners on XXXX XXXX, 2015 with a closing date of XXXX XXXX, 2015. For the next 4-5 weeks we had little contact with XXXX. when I called I was sent to her answering machine or when I sent e-mails it would take days for her to answer. She even sent me a response that did not pertain to me, but someone else. Finally, around the middle of XXXX, 2015, XXXX started working on our loan. At one point she mentioned that she had been working on other loans that were easier because mine was so complex. I do n't know why. Unfortunately she did not work fast enough and the closing date arrived. At first the owners seemed to be open to extending the contract, but changed their minds and cancelled the contract. They retained a real estate agent and increased the sales price by {$6000.00}. They also wanted a closing date of XXXX XXXX, 2015. Since XXXX could not perform her obligations for financing in a timely manner, having had 6+ weeks. I decided to find other financing. With a new financing company I was able to close on XXXX XXXX, 2015. The owners were willing to extend the contracts due to the holidays. 
In conclusion, I feel that due to XXXX inattention and inaction concerning my loan. it has cost me {$6000.00} increase in the sales price plus the loan I did receive was at a higher rate than what she had guaranteed.
Ultimately, someone used my Macy 's card to purchase an expensive handbag XX/XX/2015. I did n't discover this until XX/XX/XXXX - I had n't received statements for some time, so I logged in to check my balance. I found an unexpectedly high balance at this time. Looking through the activity, I found a purchase I did n't make ( a handbag for several hundred dollars, shipped to a name/address other than my own ), which I reported ( or so I thought ) online. I called back a week or so later, XX/XX/XXXX, to check the status and update my address, as the online address update feature did n't seem to be working. At that time, I was told that online reporting did n't work and that no fraudulent activity had been reported on my account ( concerning ), so I reported the incident to the representative I spoke with and updated my address. Another month passed, and I started to see my credit poorly effected, and I was receiving collections calls about the account. I made multiple attempts to call to ask the status of the fraud claim, but more often then not, I was placed on long holds or disconnected ( or both ). I persisted and continued to try to contact Macy 's, and each time, was reassured, it was in progress, and " these things can take ( x amount of time ) to resolve. '' Each time I called, the time period forecasted was longer - initially 6 weeks, then 2 months, then 90 days. It seems that each time I called, I 'd have to tell the whole story, as notes did n't seem to be taken down. Eventually, one representative confirmed my address with me, and they still had my old address on file, apparently, in parts of my account ( how I 'm to know which parts were updated, I 'm not sure - I had moved and informed them of my new address ... ). 

My credit score has dropped approximately XXXX points and the issue remains unresolved. I 've attempted to speak to supervisors, but these conversations ( if not disconnected ) have led to no action. I 'm promised calls back and do n't receive them. In the 15 or so years I 've had credit cards, my accounts have been hacked a handful of times, and I 've never had to bear the brunt of it upfront. I ca n't believe this is legal, and would love for Citibank ( the creditor responsible for the Macy 's card ) to be thoroughly investigated.