WillisBack/dataset-financial-user-claim huggingface dataset:
Navient keep adding balances and subtracting from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified that I was out forbearance. I resectively ask that the lates from XX/XX/XXXX be removed and set to current. As soon as I contacted my loans were put back in forbearance. Also I want all loans older than seven years off my credit report, as that is more than SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices
I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY EQUIFAX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.
On XXXX I applied for a credit card and was surprisingly declined. When I got the reason via mail I was shocked to see that my credit score had dropped almost 200 points. I had an extremely difficult time reaching someone at Experian in regards to this matter. When calling in, you have prompts for about 3 things and none of them would bring me to a live operator.

I finally got through to someone and received my credit report via mail since I couldn't login online. When I got my report I was shocked again to see that another persons account had been merged with my own. I can't imagine how something like this would happen. Again, while trying to reach Experian via phone, it was incredibly difficult to reach an operator. It's almost as if they don't want you to resolve the issues. An issue that they themselves created.
I initially entered a Bank of America branch on XXXX XXXX to apply for a home loan. I spoke with XXXX XXXX, gave him some documentation. He promised he would get back with me the following Monday. He blew it off. I contacted XXXX XXXX at Bank of Americato assist in completing the mortgage. He frequently ignored my calls at XXXX point I had notheard from him in 11 days. On XXXX XXXX I received a letter stating Bank of America promised XXXX back if they did not close witjhin 30 days. It has been 3 months.
While visiting XXXX XXXX in XX/XX/XXXX we billed all charges to our room, including all food and beverage, so we wouldn't have to carry a credit card as we visited all of the parks. At the end of our stay the total for those charges was billed to the credit card that I specified when we checked in, my Capital One Savor MasterCard. That card gives cash-back credit for various kinds of purchases. It gives 4 % on dining and entertainment but only 1 % on general purchases. Because our XXXX XXXX dining charges were billed to our room Capital One classified those as lodging and only gave 1 % cash back instead 4 % cash back. The 25 individual dining charges amounted to XXXX, so instead of earning {$24.00} we earned only {$6.00}. 

I called Capital One on XX/XX/XXXX and spoke to a customer service supervisor named XXXX to ask that they reclassify the dining part of the charges so we would accrue the higher percentage of cash back, since this is how they promote the Capital One Savor card. He said that the only way to correct this is to have XXXX refund and re-bill this to Capital One as dining. They know that XXXX will never do this. I offered to provide the billing details that XXXX emailed to me that clearly distinguishes the food purchases but they said that there is nothing they can do.
I scheduled a payment to post by XX/XX/XXXX to my USAA Loan, prior to the due date of XX/XX/XXXX to ensure the loan was paid before it reached 30 days past due. Now I have a letter dated XX/XX/XXXX saying the payment is 30 days past due and it is in default and needs to be paid prior to XX/XX/XXXX to avoid other collection activity. Now obviously the payment has been made and has posted but I do not agree with it being reported 30 days late. I scheduled the payment online to post by the XXXX and it did not. It posted on the XXXX ... the same happened with my auto insurance payment although that payment posting date is not an issue. Please make contact and discuss with my wife as she will be handling this on my behalf.
I applied for XXXX payday loans for which I was approved. But after given the situation more thought, I decided not to take either loan. Since then, I have been receiving several unknown phone calls stating that I have several claims against me with threat of legal actions. As I know that there are no claims against me - legal of otherwise - I did not give any credence to that information. What concerned me was that the person had part of social security number. I believe that this information could have only come from the information I input on those XXXX applications. The person would not identify herself or who she represented, but insisted that I verify my social security number. After stating to her many times that her claims were false, the person hung up the phone. A trace on the phone number ( XXXX ) yielded no results so I can not state the entity that called.
My fianc and I financed a car thru at called XXXX in XXXX XXXX GA back XX/XX/XXXX. AWESOME car it was 14,000 ( est. ) well we was having financial problems and they came and got the car XX/XX/XXXX. We got back on our feet and called about trying to recover the car, I was told that the car was sold at a auction for XXXX but theres still a remaining balance that we have to pay of XXXX. I have been received phone calls but no letters. Its on my credit and its hurting us because I dont understand why I have to pay a remaining balance and they already sold the car. PLEASE HELP
I received a letter dated XX/XX/XXXX from a company called Bay Area Receivables about a debt they claimed I owed to them in the amount of XXXX, forwarded to them by XXXX XXXX. On XX/XX/XXXX, I responded with a debt validation sent as certified mail with return receipt. The company received and signed for that letter on XX/XX/XXXX. Bay Area then responded with the necessary documents to support the validation of the debt. However, the debt had already been satisfied - over two years ago. I mailed in a copy of the money order receipt ( dated XX/XX/XXXX ) on XX/XX/XXXX ; certified mail return receipt. The company received that letter on XX/XX/XXXX. They failed to respond to that letter however, they proceeded with putting the inaccurate debt on my credit report AFTER this letter had been received and signed for. I sent a direct dispute against the company on XX/XX/XXXX which was received and signed for on XX/XX/XXXX. I have allowed the 30 days to investigate PLUS the five days to mail and have yet to receive a response. This company has failed to comply with the dispute period set forth in FCRA 623 ( a ) ( 8 ). This false information on my credit report needs to be removed.
A collection account from  Hunter Warfield  showed up on my credit report about two weeks ago. This account is not mine. I have contacted the company and asked them for help removing it and for relevant information about the account. It is from an apartment I have never lived at or been associated with. The address of the apartment does not even show up on my credit file. They said they have been reporting since  XXXX , but it only showed up on my credit file in  XXXX  of  XXXX !! I have perfect credit and this account is ruining my credit. I have NEVER been sent any type of letter or bill from this company in the 2 years that they have had this account, and again I did n't even know this account excited till two weeks ago. I have called the company and they are unwilling to help or work with me. They want me to provide information that is so old and almost impossible to get, they also said that any information provided they would call and verify it as correct, which is invading my privacy. The information showing up on my credit file is as follows.      Hunter Warfield   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Rental Leasing Original Creditor :   XXXX   XXXX   XXXX   XXXX   Account Number :  XXXX  Account Owner : Individule Account Original Amount Owed : {$4500.00} Date of  XXXX  Delequency :  XXXX  Balance Date :  XXXX  Balance Owed : {$5200.00} Status Date :  XXXX  Status : D-Unpaid This is not my account and I want it removed from my credit file! Please help me stop this company from illegally doing whatever they want and reporting incorrect information to the credit reporting agencies!
Wells Fargo never provided a Loan Modification Denial Letter. Please provide a denial letter if you claim you sent one. XXXX XXXX, XXXX, XXXX XXXX XXXX of WELLS FARGO, emailed Attorney XXXX XXXX of XXXX XXXX XXXX, stating " the Loss Mitigation Group is currently working on my matter. '' XXXX XXXX, XXXX, Attorney XXXX XXXX submitted my Loan Modification Hardship Letter to WELLS FARGO. XXXX XXXX, XXXX, I received a letter from Attorney XXXX XXXX that she has " successfully stopped foreclosure proceedings initiated by WELLS FARGO '', and has successfully secured a loan modification from my XXXX Lien Mortgage. It was stated to me that it only makes sense to secure a Loan Modification for all liens ; otherwise, securing only the XXXX Lien Mortgage defeats the purpose of saving my home. Why waste time on securing a Loan Modification for the XXXX Lien Mortgage, if the XXXX Lien is going to foreclose? The following is an exact account of how my Equity Line of Credit was mishandled by WELLS FARGO : Based on financial hardship, XXXX XXXX, XXXX, I took out a XXXX Lien Mortgage of {$250000.00} on my home. Upon closing, WELLS FARGO divided the XXXX Lien Mortgage into XXXX loans, which resulted in a XXXX and XXXX Lien Mortgage of {$170000.00} ( Loan # XXXX ) and {$75000.00} ( Loan # XXXX ). 
Unlike what the following demonstrates, XXXX XXXX, XXXX, my " Credit Report '' reflects only XXXX Corporate Assignment, " XXXX XXXX '', executed XXXX XXXX, value of {$160000.00}, Loan # XXXX, which was never mailed to me. Surprisingly, the amounts and loan numbers of my liens were changed to : Second Lien Position, $ XXXX/Loan # XXXX and XXXX Lien Position, $ XXXX Loan # XXXX ; therefore, I question the validity of the " XXXX XXXX XXXX Account ( XXXX ) Agreement and Disclosure Statement '' that Wells Fargo provided . The aforementioned demonstrates that the XXXX Agreement and Disclosure Statement provided by WELLS FARGO is not the document I signed upon closing. English is my XXXX language and I have evidence of being treated unfairly. Please provide me with the documents signed that reflect {$170000.00} and {$75000.00}. During the processing of the Loan Modification, I received letters from WELLS FARGO, stating, XXXX XXXX, XXXX, the XXXX and XXXX mortgages were charged off. Moreover, I received a letter from WELLS FARGO that my home was no longer in foreclosure ; I thought it was all over. I never received a Loan Modification denial letter, and I never received monthly statements anymore. Supposedly, Nine ( 9 ) months after the Charge-Off, XXXX XXXX, XXXX, WELLS FARGO executed a Corporate Assignment of Deed of Trust to XXXX XXXX, XXXX, non registered to do business in California, of the XXXX Lien Mortgage of {$160000.00}. XXXX XXXX, XXXX, as the New Loan Servicer, never gave me a statement requesting monthly payments.
This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the 4-year anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.
1. On XXXX XXXX, 2017 I paid my XXXX bill online ( from my online XXXX account ) in the amount of {$30.00}. It was reflected immediately as a debit on my online Chase checking account and deducted from my account balance. 2. On Friday, XXXX XXXX, the afore mentioned XXXX payment was still reflected as a debit out of my account and not included in the " current balance '' on this day. 3. On Saturday, XXXX XXXX, the afore mentioned XXXX payment disappeared from my account and the {$30.00} was added back to my account balance. On this same day I called Chase Bank Customer Service to inquire why my online payment disappeared from my account because it was a bill payment that, by this time, was now reflected on my new XXXX online statement. They indicated that they had no record of the charge and that it would not reappear on my account. I repeat, the customer service rep said the charge would not re-occur on my account. I asked if I should re-pay the bill. They indicated that I should. 4. On Monday, XXXX XXXX, my account still did not reflect the {$30.00} paid to XXXX and was still not deducted from my account, but the Chase rep had told me it would not re-appear, so I was not worried about it. Also, I was aware that my account was overdrawn {$48.00} from a XXXX XXXX XXXX visit so I went to the bank this same day and deposited {$60.00} in cash to cover this charge ( and anticipated {$12.00} tip ) to prevent an NSF charge on my account which would incur the next day, Tuesday, XXXX XXXX. This should have left my account with a positive balance the next day. 5. On Tuesday, XXXX XXXX, the afore mentioned XXXX payment was again reflected as a debit on my account causing an NSF charge, despite what the previous rep told me. I called Chase Bank again and explained all of the above to this rep. She told me that it was the fault of the merchant and that the merchant withdrew the previous approval that Chase Bank gave on XXXX XXXX, then re-issued the payment. This did not make sense so I called XXXX and they confirmed they did not, could not, and would not do this. 6. I called back Chase Bank and this rep told me I could only have so much reversed on my account per year and would not reverse the entire {$34.00}. She reversed {$32.00}.
I have a checking account at US Bank. I went to XXXX XXXX XXXX XXXX XXXX, 2016. I used my debit card. After I returned to XXXX starting XXXX XXXX through XXXX XXXX, 2016 charges were made on my account in XXXX XXXX XXXX, and I also was penalized with NSF fees due to those withdraws.
A man ( using XXXX different names ) left messages on both my work and cell phone stating that he was a private courier and that he would be delivering sealed documents to me at my work address. The names used were : XXXX XXXX and XXXX XXXX. The number was a private number, but the number he gave me to resolve the matter was XXXX. This number belongs to Phoenix Equity Partners located in Georgia.
Information  and referenced documentation was disputed with   XXXX   in   XXXX    2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the     XXXX   XXXX   XXXX     and  XXXX  loans. Information was provided showing an open real estate account with  XXXX  that was not included on the report .   XXXX   XXXX   XXXX   continued to report negativ e pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status.  Currently   XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act
I submitted a claim on XXXX XXXX, 2015 about Santander Bank. I just returned to the U.S. from XXXX and received the letter they sent in response. In the letter it says they identified that I requested an " All Debit Opt-Out '' in XXXX 2015. However, the letter states that the request was not submitted for processing until XX/XX/XXXX. First of all, I requested a complete opt-out of any form of over drafting when I first opened the bank account, a few years before. After getting hit with a {$35.00} fee I went in to complain and was told it had been fixed. This happened a few more times, before the clerks I spoke with at Santander finally managed to set the Standard Overdraft Opt-Out. Secondly, the letter acknowledges that I requested the All Debit Opt-Out in XX/XX/XXXX, yet for some reason they did n't process that request until XX/XX/XXXX, but still held me responsible for the overdrafts that occurred during that period. Moreover, the letter states that an item may not decline if there were sufficient funds at the time the payment was requested, even if there no longer is by the time the payment is processed. This does not apply, as there were charges initiated on XXXX XXXX, XXXX, and XXXX XXXX that either pushed me into a negative balance or cleared after I was already over drafted by XXXX dollars or so. I was informed by a Santander representative that I should learn to manage my money better. On XXXX XXXX, 2015, over two months after Santander acknowledges that I requested an All Debit Opt-Out ( which, as aforementioned, I requested multiple times prior to that ), and two weeks after Santander acknowledges that they finally got around to submitting it for processing ( only after I sent multiple emails inquiring about what was happening ), I was told by a Santander representative via email that, " Your recollection of clearly stating no overdrafts may be becoming more clear in retrospect. '' I have included the claim I submitted before, as Santander 's response restated their policies without addressing my specific complaints. The closest they came was when they said : " In reviewing this matter we identified that you requested an All Debit Opt-Out for the account with our Oak Bluffs Branch in XXXX 2015. However, the request was not submitted for processing and only the Standard Overdraft Opt-Out election was on the account at the time the transactions were initiated. '' In addition to what I included in my previous claim, I would also like to know why the bank holds me responsible for something it took 2+ months to submit for processing. 


Case number : XXXX
I called Navient on XXXX XXXX, 2016 and XXXX XXXX, 2016 ( 3 business days ) prior to a pre-authorized transfer ( XXXX/XXXX/16 ). I wanted to change the payment date and if not stop payment. I was told be a Navient supervisor that I need to stop payment 10 days prior. Regulation E, section 1005.10 under stop payment states that a customer has a right to stop payment 3 business days prior. The regulation does not require me to contact my bank and pay stop payment fees. The regulation allows me to be able to contact the financial institution submitting the transaction to cancel.
I have been a customer of XXXX for about 10 years, and they were purchased by Ally fairly recently. I trade stocks and options regularly, maybe once a month or more on average over that 10 years. I had positive experiences with XXXX and usually fund my account with wire transfers from my credit union. My issue is that Ally is allowing me to use the money WITHIN their system like they are required to, but they are extending holds on my funds of 10 business days. My account is not new, I am not new, I am not risky, I am approved for margin trading, etc. So what is with the extended hold that they refuse to even look at changing? The wires have come from my same checking account for the entire period, so the risk to them that somehow the funds will be attempted to be pulled back is zero. I think under the guise of risk management they are ignoring proper risk management and placing an unnecessary hold time to keep a low cost of funds or encourage more trading with the associated fees to Ally. It 's ridiculous in my opinion. When I attempted to resolve via chat with an agent, that was also disappointing.
I am currently financed under Santander Consumer USA, recommended by XXXX. I signed up for Auto pay which required me to put in my account and routing number. I later found out that the account number was entered incorrectly which put me in a past due payment because they sent the payment back. I was never notified that the information was incorrect until 15 days after the payment was to be sent. They notified me that I can pay though XXXX XXXX for a fee. That is not very secure for a " financial institution ''. I have to wait 6 months before my auto pay will be active again. This now requires that I have my bank send a check to a XXXX XXXXx . There is no guarantee from the company that this has been received. I also never informed that if my information is incorrect that I can not change it and that it would take 6 months before I can correct it. This company is not very reputable and not very helpful. They use a third party for their financing.
Had  XXXX  in  XXXX   XXXX .  Forgot to pay the bill for part of it. Never got called or anything. It went into Collections with Secured Resolutions LLC at some point. Never received a letter from them. Kept getting frequent calls from them i n  XXXX  and  XXXX  of  XXXX . When they finally left a message, I called back and was informed what the calls were about. They sent me an email rather than a physical letter. Once I reviewed my statements and confirmed I had not paid that bill, I went to Secured Resolutio ns LLC 's  website and paid the amount in full on  XXXX   XXXX ,  XXXX . This account is still showing as open on my credit report. I disputed it with   XXXX   and the company still insists it is open. I would like it show closed on my credit report as I have paid this in full.