WillisBack/dataset-financial-user-claim huggingface dataset:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

INQUIRIES XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Well its been 6 months since I been asking Chase told help me get out of this BAD loan that they gave me. My payment was a negative ARM, did n't cover half of the interest or property taxes. 
So Chase told me to apply for the loan modification option, after 4 months going back and forth. Chase finally assigned a negotiator ( XXXX XXXX p. XXXX ext. XXXX ) who told me that he apologizes but he had forgot about my application for loan modification and he will do his best to review the file after 4months. 

So XXXX XXXX made fax all the documents again since he forgot to review my documents 4 months ago, I faxed and even mail the complete application all over again. On XX/XX/XXXX XXXX XXXX finally told me that my application was sent to an underwriter and to wait for an approval. 
After 30 days later I called to check the status and XXXX XXXX told me that the underwriters went on vacation and my application was never reviewed so I had to resubmit my application. 
So I requested for a manager and he transfer the call to XXXX XXXX phone # XXXX ( supervisor ) who told me that XXXX XXXX was new to their department and he will be helping him out with the review of my loan modification for HAMP program. 

XXXX XXXX phone # XXXX ( supervisor ) also told me that all the documents were in and to allow 30 days to have a final decision. So On XX/XX/XXXX. I called Chase and spoke to XXXX XXXX from the Loss Mitigation department who told me that no one was available to provide me with the decision and he hang up on me. 

I called today XX/XX/XXXX and spoke to XXXX XXXX who told me that no one was available but based on the notes my application was removed from modification because the HAMP program expired on XX/XX/XXXX and it does n't matter if I had applied before that time since my application was removed and cancelled. 
It did n't make any sense so I requested for a manager and she told me that no one was going to speak to me since I was no longer covered under the government program and she hang up on me. 

I am very upset at Chase and all representatives that work there since it is not fair that they are coming up with all theses excuses to refuse to help me keep my home. My mortgage payment now became adjustable and I can not longer afford the new payment. I do n't think this is fair since I asked for help before the payment became adjustable. 


I am asking for your help since it is not fair the way that Chase is treating me and my family. all we are asking for is to help keep our home. 

XXXX XXXX
I made my payment on Paypal 's website on the XX/XX/XXXX, which is the due date and due to the way their system works they did not process the payment until the XX/XX/XXXX. They claimed I was late by a mere 15 minutes. I have called to ask them to waive the late fee as I am making only XXXX to XXXX a week right now and they are unwilling to assist even though I actually submitted the payment on time on my side. All I have asked for is a fee waived due to my financial status and they refuse to do so, making my payment more than I can afford and setting me up for failure and a revolving door of fees and bad credit remarks from which I can not currently escape from. This is predatory at best.
I have had nothing but problems after getting my student loan through Navient Solutions. They have done nothing but mislead me and borderline lie about the options available to me for my student loans. The only reason I had gotten a loan through them in the first place was because, being a first time college student, I could not get a loan for my education without a cosigner and they accepted my mother as a cosigner right away. They told me that they had income based payment plans for after I graduated, forbearance requests, etc. THAT WAS A LIE. Every time I have called to discuss my payment options they told me the only thing they could do was put me on an automated payment schedule. I have repeatedly told them that my problem was NOT paying on time, but that at my current job I could not afford my monthly payments. They refused to even talk about an income based option or ANY other option I have available besides setting me on automatic payments. It was either I pay the full amount, my co-signer pays the full amount, or I default on the loan. The person then had the audacity to ask me if my co-signer had any assets they would give up to pay MY loan! They also would not give me any significant information without my cosigner on the phone even though it was primarily my loan. I have call logs where they have called me 12 times a day starting XXXX even after I have called to talk with them. After going back to school they promised that my payments would go down to the {$25.00} a month as said in my contract. I even called them ahead of starting classes with my program information to make sure that my payments would in fact go down to that amount and they said absolutely. Now they are saying my program does n't qualify! I would have waited or found another program if they were honest with me from the beginning. The company has mislead me and took advantage of my mother and I knowing I was the first child in my family to go to college and take out a student loan. I warn everyone I know that 's going away to school or with kids going to school to stay as far away from Navient as possible!
My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
I graduated from XXXX XXXX XXXX in XXXX on XXXX 2014 as a XXXX. In order for me to attend that school, they helped me to obtain XXXX student loans, XXXX for about {$20000.00} backed by the Federal Student loan and the other for {$8100.00} from another lender. Six months after my graduation I was to start repaying the loans, which I did with some of my savings, money from the XXXX XXXX, one weekend a month, and my father help. I made payments for about six to seven months but without a job I could not continue doing so. I applied for " a Forbearance '' form both loans and it was granted to me by the Federal Student Loan right away but the other loan refused to give me a Forbearance and decided instead to refer my Loan to a collection agency, the name of the agency is Enterprise Recovery Systems. I am finally working as a XXXX XXXX and I contacted the XXXX Student Loans organization to start repaying those Loans. In the mean time, the Collection Agency is adding about XXXX % to the XXXX loan, the original amount was {$8100.00} now the balance is {$10000.00}, Documents attached. Is this something that is allow by law for this collection agency to add such a outrageous amount to a loan? The only reason I was not paying is because I did not have a job. 
Please advise. 
Thanks - XXXX XXXX - XXXXXXXXXXXX
Equifax mishandled my personal information including Name, Social Security #, Address, Birth-date, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
XX/XX/2018, There was Fraudulent access or an unauthorized change to my Banking Account allowing for electronic transfers. I received an Threshold limit alert on my Banking App showing a {$490.00} charge was pending at XXXX ( Sunday ). Upon opening my account there were a total of three showing For {$490.00}, {$200.00}, and {$180.00}.

Al three were sent in quick succession. I verified none of these were related to any account on mine, and called to question the charges showing as " XXXX to MOM ''.

I called the Fraud department at my bank and informed them that these  were Fraudulent and asked that all account be locked. The Bank failed to follow through thus allowing a fourth XXXX charge to post for an additional {$200.00}. 

The XXXX Charges were to a Bank of America account. XXXX reference number XXXX and the associated email for the Transfer was " XXXX ''. Since the Bank account is was with Bank of America, and since Bank of America is Part owner in "XX/XX/XXXX '' which owns XXXX, I am filing this complaint to bring resolution and make my account whole.
I HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND XXXX AND EQUIFAX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS XXXX THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM XXXX AND EQUIFAX 'S SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX  INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.
Around XXXX XXXX Midland credit called my cell phone and asked me why I did not pay my XXXX XXXX card today and what will it take to settle this debt today. I told them I do not know what they are talking about, and they proceeded to ask me why do n't i want to pay the debt I owe. I told them I do not have a XXXX XXXX credit card, they wanted my social security number that I refused to give them, the person who they are looking for is an XXXX something year old person I told them its not me and they finally agreed to remove me from their list. I come home and the home phone rings same company once again I told them I already told you to remove me from your list this is harassment whomever your looking for does n't live here, they said OK verify your social again i refused they told me they would remove me from their list. They stopped calling for a few weeks and now this week they started calling again every day they call me trying to tell me I owe them XXXX XXXX debt.
I withdrew {$10000.00} ( {$9900.00} after fees ) from coinbase.com on XXXX XXXX, 2017, using wire transfer to my bank ( XXXX, checking account ending in XXXX ). Coinbase says they 've been having wire delay issues, but says the issue was resolved on XXXX XXXX. It 's XXXX XXXX today and I still have n't received my money. Coinbase website shows status " complete ''. I reached out many times through customer support ( Coinbase support case number is XXXX ) and only got automated responses.
I send a check like normally to pay my rent and the check was cashed in by someone else instead of the landlord. I had called my landlord and explain what happen and they do n't consider the problem and are charging us XXXX legal fees and late fees. I 've talked to the bank serval times already and they keep telling me the same thing over and over again that the investigation is still undergoing. This process has been over a few months now and nothing has happen about that check or a refund from the bank to pay the landlord for rent.
My father received financing from XXXX XXXX XXXX  XXXX, Green Sky Financing. He passed away and I am the executor of his estate, I paid off the loan but received a bill after the fact for {$6.00} late fee. He is deceased and therefore couldn't pay-I paid as soon as I received the information to do so. The company refused to refund the late fee even though he is deceased and unable to inform him. I did so as soon as I received the information. It seems to me that the XXXX should have been refunded and the loan allowed to be closed. They go out of their way to make things difficult and continue to charge more fees even though I've sent the necessary paperwork to them as of XX/XX/2018. This is absolutely ridiculous. THey were also rude and harassing.
I have a credit card for Walmart through Synchrony Bank XXXX XXXX XXXX XXXX GA. XXXX. The credit limit is only XXXX and is at the limit because I lost my job XX/XX/2017 and am twice widowed, have no help and have not been able to find a job yet. I still have never been late on a payment until now! Pay due XX/XX/2017. They have been calling and emailing, which I want stopped is using all minutes on my prepaid phone I need for job search. I only want contact by mail. 
I talked to a rep today at XXXX ID XXXX I could not understand as from another country and asked if they would reverse just XXXX late fee so I could pay my payment out of my last unemployment check as my payment is normally XXXX but now XXXX, but he said I had to pay the full amount anyway which I can not do, have XXXX in bills coming in and u/e only XXXX wk and last check. I also let him know I have XXXX inter- views this week. I have sent out over XXXX resumes, all I can do!! I asked to talk to a manager, he put me on hold for several minutes and I had to hang up phone running out of minutes.
On XX/XX/XXXX2015 I ordered, via XXXX, a XXXX article subscription of the XXXX XXXX for XXXX. This came though my XXXX account which is not my default email program which mean I do n't look at it unless necessary. 
Then on XXXX/XXXX/2015 that XXXX XXXX subscription turned into a, unbeknownst to me, {$15.00} a month subscription. This was reoccurring so before I could notice another charge incurred on XXXX XXXX, 2015. 
When I figured this out, I attempted to unsubscribe from that which I never subscribed to in the first place. The form required a user ID and password for the subscription. This I did not have because I was not a subscriber to the XXXX XXXX. Moreover, the XXXX Kindle {$1.00} payment did not required the set up of a user ID or password. That 's not the way Kindle subscriptions work. 
As a side note I should have known this was a scam because the subscription process required an email address where I submitted my XXXX address. I say this because all Kindle subscriptions come to my Kindle via XXXX Kindle account. 
I did not subscribe to the XXXX XXXX digital newspaper for {$15.00} a month. Nor have I ever subscribed to the XXXX XXXX for a monthly digital subscription. This was a bait and switch by the XXXX XXXX via XXXX Kindle. Buy a XXXX article subscription for {$1.00} that turns into a {$15.00} month subscription. 
I contacted Bank of America and filed a dispute. Then Bank credited my account a total of {$31.00}. And then reversed that credit. I called the bank and they told be that was going to be taken care of and that my account would be credited for the total amount. 
Then I checked my account and the amount of {$31.00} was not credited. 
It appears to me that BOA is siding with the XXXX XXXX. This is a rip off. The XXXX XXXX went through my XXXX Kindle and gave a {$1.00} offer for XXXX articles and then somewhere in the fine print ( read on a XXXX inch screen ) that {$1.00} dollar turned into a reoccurring {$15.00} charge on XXXX XXXX, 2015 adding up to a total of {$31.00}.
We ( my wife and I ) working with a Forensic Mortgage Analyst found that our mortgage had been handled improperly and are looking for relief. The big " Banksters '' were bailed out with our tax dollars. The States fined the banks and won money from the banks. I am an individual working to be a good citizen. I want to know where my bailout is??? Please read attached Forensic report for more information.
I have never had a contract or agreement with Portfolio Recovery Associates. The company has not provided verifiable proof supporting validity of the debt they are attempting to collect on. Although Portfolio Recovery has failed to provide a copy of the complete account history, the original agreement, or any other adequate documentation confirming validation, their repeated attempts to collect on the alleged debt continue. Their collection appears on my credit reports along with credit inquiries dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - none of which were consented to or authorized by me. These appear to be violations under the Fair Credit Reporting Act.
I have been trying to contact Experian to cancel an account I never authorized with them. They are charging my credit card {$23.00} per month. I tried to cancel online and can not see how. I tried calling on the phone and there is no operator to speak to. I have sent numerous e-mails and tweets and have not heard back at all. 

I am severely disappointed.
Experian credit reporting has failed to update my credit report in a timely manner of all inaccurate and negative comment account information.
I applied for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} intro annual fee for the first year, then {$95.00}. After approximately two months of enrollment, I received a statement charging the annual fee for {$95.00}. I spoke with a representative who refused to waive the fee, so I requested a supervisor. The supervisor also refused and adamantly stated they can not reverse the fee. XXXX XXXX continues to offer similar XXXX cards with Chase bank and all of them have the {$0.00} intro annual fee for the first year, then the fee is charged.
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX Filed on : XXXX XXXX XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed against : Wells Fargo Home Mortgage XXXX XXXX - 1 Home Campus XXXX XXXX XXXX XXXX Complaint Description : Tried numerous time over the past 18 months to get the due date on my VA mortgage changed to the middle of the month, all to no avail. I have tried numerous time over the past 18 months to get the due date on my VA mortgage changed to the middle of the month ; The orgional contract date was on the XXXX of the month, but Wells Fargo mortgage dept took it upon themselves to change it to the XXXX of the month so that they could generate late fees & make more profit ; I have a VA mortgage & Wells Fargo is well aware of that fact, however the charge me late fees starting on the XXXX or XXXX of each month denying me a grace period per VA rules/regulations ; Wells Fargo uses every trick in the book to generate extra fees & /or profits ; Wells Fargo reps just told minutes ago that changing my due date is impossible because their policy does not allow it ; Their arrogance s breathtaking for they show no consideration what-so-ever for gov't laws or to customers ; I request for a senior manager or one of their VP 's to contact me ASAP, but my request was denied ( no surprise there ) ; I have refinanced my mortgage twice to get away from this company, but they always buy the loan from the company I refinance with & I get stuck with them again ; On XX/XX/XXXX, I applied for their credit card so that I could link a possible overdraft to the credit card : I was turned down due to my previous complaints to regulators in retaliation ; My credit score was in the top XXXX % to XXXX % ; My score was around XXXX out of XXXX ; Wells Fargo illegally pulled a credit report on my wife and she was not even there and no-one gave them permission ; In XX/XX/XXXX I was given a check an insurance settlement check for XXXX made out to both Wells Fargo & myself ; Wells Fargo kept the funds from me and held the funds in escrow for 24 months at zero-percent % : wells fargo made much money off the insurance settlement money that was given to myself ( the homeowner ) to repair my home from damage ; wells fargo makes XXXX in profits using the insurance settlement for XXXX yr, XXXX yr or more & lends it out making a killing all the while the homeowner has to take money out of retirement to fix the home while wells fargo uses their $ ; this happens to tens of thousands of homeowners across USA & the funds is held hostage by wells fargo at zero percent interest ; this is a criminal organization!!!! 

Your Desired Resolution : I am filing complaints with the atty general 's office, the federal controller of the currency office, the federal consumer protection bureau..there is little difference between a XXXX loan-sharking operation and " this criminal enterprise '' run by the white collar criminals in the Wells Fargo mortgage dept.
I received a home equity line of credit from XXXX XXXX XXXX XXXX in XXXX Oregon. I used some of the money to pay off my XXXX XXXX account. A cashier 's check # XXXX in the amount of {$14000.00} was mailed to XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX Ref XXXX. Bank of New York Mellon fraudulently cashed the check and deposited the funds into their bank. Both myself and XXXX have contacted Bank of New York Mellon and as of today ( X/XX/2017 ), 55 days after they stole the money they have not refunded anything. XXXX has loaned me another {$14000.00} so I could pay off the XXXX account so now I 'm still on the hook for the missing {$14000.00}. I want my money back NOW.
Re : Case # XXXXXXXXDear Select Portfolio, I received a copy of your letter to the NC Department of Justice. I do not agree with your explanation of what caused this satisfaction certificate to be filed in XXXX. You maintain that the note was canceled in error by XXXX, the owner of XXXX, is the original lender on the loan, in XXXX. 
XXXX initially disputed having canceled the loan and referred me to XXXX, who they claimed I should contact, as the signer on the certificate was XXXX XXXX, is an employee of XXXX. 
XXXX has denied servicing a loan in the name of, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. 
SPS has stated repeatedly that they have serviced the loan since XXXX, and sent the payments to XXXX XXXX XXXX XXXX. 
I have information from XXXX XXXX XXXX saying they held XXXX files in their vault until XXXX. At that time they returned those files to XXXX, and that SPS was the servicer. 
XXXX XXXX XXXX has written that they have not received any payments from you on that loan, and that no payments were due them. So how was the certificate of satisfaction filed in their name? During recent conversations with XXXX XXXX XXXX, they still say they had nothing to do with this. 
XXXX XXXX XXXX has had a change of heart. They previously said that SPS was not their servicer when the loan was satisfied. Now it appears they are admitting that SPS fka XXXX XXXX was. 
XXXX stated that they did not cancel the mortgage. If they had did it in error, why did they continue to deny canceling it, and are now trying to change what they have said? 
There appears to be a conspiracy in progress here.