WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday XX/XX/XXXX I called Navient and spoke with XXXX # XXXX. I have been struggling to pay my loan for years now and given recent financial issues have been delinquent since XX/XX/XXXX. When I called on XX/XX/XXXX I  was told that I could get on a rate reduction plan which also extended the payment terms. The plan offered a rate reduction from the current 4.5 % to 2 % extended out to 12 years. I was told this would be a 15 month plan and at the end of the 15 months we would need to re-evaluate based on income. The new monthly payment amount would be {$170.00} which would be automatically deducted from my checking over the next 15 months. I specifically asked if I made the first payment that day ( XX/XX/XXXX ) if that would bring me current and we could move forward with a clean slate. The representative said yes it would and then processed my payment. On XX/XX/XXXX I logged on to make sure the {$170.00} processed and brought my account current. Upon login I saw that the {$170.00} had posted but I still had over {$1000.00} past due. I immediately called and spoke to XXXX XXXX # XXXX and she told me that the account will remain in past due status until XX/XX/XXXX or 3 months of on time auto drafts of {$170.00} and that the delinquency will continue to be reported to credit agencies. I explained to her that this is NOT what I had agreed to on XX/XX/XXXX when I had spoken with the other representative. EVERY phone call and interaction with this company is always negative. The information is constantly changing, options for repayment are consistently changing/no longer an option. Even changing representatives on the same call offer different options and/or say different information. There is absolutely no consistency and I feel like I am being lied to and taken advantage of. The harassment of being late is like nothing I have ever experienced. They call up to 10 times a day and reach out to relatives. It is beyond embarrassing to know that you are trying the best you can just to put food on the table let alone keep up with debt obligations that never seem to go away and only ever compound.
I had XXXX fraudulent transactions of {$990.00} each stolen from my USAA Savings account. Each of the transactions involved transfers to an organization ( unknown to me ) called " XXXX. '' The transfers are as follows to individuals who are also unknown to me. They are as follows : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX I have called USAA over a half dozen times with calls, including wait time while being transferred etc., averaging close to one hour. In over a month of trying to get a resolution, the following has occurred : XXXX transaction of {$990.00} has being refunded to my account The other XXXX fraudulent transfers of {$990.00} each are being denied because of " customer involvement. '' I have been provided no proof ( none exists ) of my involvement. 
There is a refusal to allow me to speak to the analyst who reached the " customer involvement '' conclusion. The claim is that customer service has no way of transferring my call. 

Of additional relevance : I live along, am former law enforcement, and I do not share my login information with anyone. 
In addition to the savings account that is under siege, I also have : o A XXXX USAA Savings account o Checking account o Auto insurance policy o Homeowners policy o An umbrella policy o Life insurance policy o A USAA Visa card o And have formerly had multiple auto loans ( now paid off ). 
I have maintained accounts as a member of USAA for thirty-three years The one scanned document attached is a letter advising that the first fraudulent transaction of {$990.00} was being credited back to my account. I can also continue to search for the denial letter if necessary.
Bank of America still calling my house and harassing me to sign notary papers for FHA modification. Received XXXX calls past XXXX days
My account shows Negative even though all my payments were made on time. 
It for a Lease with US BANK for a brand new XXXX XXXX XXXX   XXXX color. 

I would like the negative to go out as it is affecting my credit score badly
This is regarding my Macy 's revolving credit account. It 's very simple. When I pay my bill in full on or before the due date leaving a XXXX balance, Macy 's applies a finance charge on a XXXX balance. This has occurred 6-8 times in 14-15 months of a new account. Each time I 'm incorrectly assessed the charge I 'm forced to contact customer service and they always remove the charges. I do n't feel it 's my responsibility to monitor each month and more importantly, how many customers are unaware of this fraudulent business practice. Each time I contact Macy 's corporate office they assure me they wo n't continue this & are notating my account. Obviously, false promises to presumably make me go away. PLEASE HELP!
Unknowingly I attempted to consolidate the loan with my federal loans, this was not processed and I became past due two months assuming that the loan was consolidated with the other, when called to make the payment in addition to the back payments the loan company refused to accept the payment and demanded the full amount of the loan.
XXXX XXXX # : XXXX I am an ongoing victim of identity theft and the XXXX Equifax cyber security breach. 

I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX. This letter indicated that I requested service at XXXX, was subject to a credit check and was furnished with a result indicating the need for a deposit to further guarantee service. I have no accounts registered in my name with XXXX and I have not requested new service with XXXX at point in recent time. 

This report was generated from : LexisNexis, XXXX XXXX XXXX ATTN LexisNexis XXXX XXXX XXXX, GA, XXXX ( XXXX ) The actual date of the consumer report was XXXX/XXXX/XXXX. 

The score was impacted by " incomplete information on file and identity elements not fully verified at the time the report was requested ''. This was an unauthorized request, and since verification information was missing, this was an incomplete request using stolen information from my identity.
I paid off the lease in full on XX/XX/2018 and was advised that I should receive the the title in 4-6 weeks. I contacted the company on XX/XX/2018 to inquire about the title and they said I should have received it no later than XX/XX/2018 and if I had any additional questions to contact the title department. Every time I try to contact the title department there is an extended hold and I am told to call back. I have NEVER been able to speak to the title department and still have not received my title. I did not receive my title and waited an additional week prior to calling again. On XX/XX/2018, I contacted XXXX again and was advised that I needed to call back because they could not get through to the title department. I requested to speak to a supervisor and was placed on hold for 25 minutes and still did not get any additional information. I want my title!
I tried to release co-signer and was constantly given bad info. 
I refinanced my home and paid off the loans and Navient is still refusing to update the credit reports and/or release the co-signer and update his credit report, XXXX XXXX XXXX XXXX. They received the payment on XX/XX/2018 by US Priority Mail. Have cashed the checks and still they refuse to update my report, remove co-signer. They are still billing me and have added XXXX XXXX to the interest and principal. 

I have called, sent letters, attached a letter with the pay off. They said that the Federal Gov't does not allow them to adjust a pay off that they have to wait 30 - 45 days to do so. This is a total lie. 

I want this off of my Co-Signer 's report and I want a pay off letter and my credit reports updated ASAP. This is negatively affecting my credit and they already have their money since last Monday. I should not have to wait 30 - 45 days for them to continue to bill me and refuse to give me a pay-off letter which is my right.
My XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, XXXX has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. XXXX and Experian only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.
My lender BofA put a force placed insurance policy on my house at XXXX times the market cost of the actual policy. During that time all my payments were made electronically each month and I was never late prior to them adding about {$1500.00} per month to my bill to cover their profits from insurance company they owned. Furthermore they kept my payments in a suspense account and eventually returned via cashiers check instead of applying funds to XXXX missed payment. Following that time they tried to entice me to move by offering me {$.00} then a deed in lieu ( which I never applied for but was turned down ) and finally the year long modification process. During that time I met with a real person at BofA who told me if I hired an attorney I would NOT get a modification and that I should NOT replace lender placed insurance until after the modification ... even though it would save over {$700.00} per month. Although I know I qualified for DOJ mod, I was continually denied. Furthermore by not applying funds to XXXX and XXXX missed payments i believe they violated fair credit reporting. I am currently facing foreclosure for an escrow shortage because of force placed insurance!
Debt collection company Wakefield and Associates is trying to collect a medical debt I was told by hospital I was not responsible for when I signed for treatment. I was hit by driver and was informed by hospitals XXXX and XXXX XXXX aka XXXX XXXX that the driver that caused accident was responsible for payment. Also other issues with these debts is that I was warned by credit monitoring service that Wakefield has been adding interest onto the medical debts. This is without ever verifying the debts with me. Also how do you add interest on to medical debts. I have images of the added interest from the credit monitoring service it seems Wakefield is adding small sums onto each debt they have. My main complaints are that I was told by hospital that I would not be responsible for payments as the driver who caused the accident was. If I knew that would change there is no way I would agree to be the responsible party. Also Wakefield has reported this debt against my credit and appears to be adding interest to this medical debt without me ever acknowledging this debt.
XXXX XXXX I closed a secured credit card with XXXX XXXX that was in excellent standing. XXXX XXXX XXXX, I checked my Transunion credit report and my score had dropped XXXX points from XXXX to XXXX overnight and the only change to the report is that it now shows I closed a secured credit card in which I used to build my credit by an initial deposit of {$300.00} to maximizing it to {$5000.00}. My issue is that from the time I opened the card I never saw the alleged benefit of having a secured credit card other than from my own efforts, not even by XXXX points, ( ie on-time payments, and paid interest, etc. ) but closing it lowered it XXXX points???? I am a XXXX Veteran over 30 % in the process of building a home and securing a mortgage that I am due to close in XXXX XXXX and the impact of this can present an undue hardship for me. I have worked extremely hard to re-build my credit. My reports show that I have an 18 % credit card utilization, {$48000.00} unused credit, and 100 % payment history. However, the derogatory marks, age of credit history, total accounts, and hard inquiries all vary between the XXXX credit agencies, which is something that I 'm always challenging without a resolve. The only change that is consistent on all XXXX reports is the closing of the secured XXXX XXXX card which was supposed to help the consumer, but has caused me more harm. After contacting Transunion, they did send a free copy of my credit report, but that does n't undo the damage to my credit score dropping from XXXX to XXXX overnight. I have been penalized for closing a secured credit card account that I was supposed to benefit from, but instead has damaged my credit considerably. If having a secured card is a good thing to help consumers build credit, then once that has been accomplished or no longer needed at the discretion of the consumer, then if the card remained in good standing ; reasonably, closing the card should raise your score XXXX points, not lower it.
A friend of mine wanted to sign up for my credit card - the Delta Platinum Skymiles American Express. I sent him the referral link on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX which he used to sign up. He was approved and signed up, I have even seen his card since then. I called several times, including XXXX/XXXX/XXXX and they told me they did n't even see him as a member. He then called to verify his info and opened a ticket XXXX/XXXX/XXXX. He was given a ticket number XXXX and told we should follow up in 6-8 weeks. as of XXXX/XXXX/XXXX, my friend called back in and was told it was still active. I called in XXXX/XXXX/XXXX and was hung up on, called back in and was told that they deemed I did not earn the referral points. I asked to speak to a supervisor and they said someone would call me back, nobody ever did. Today XXXX/XXXX/XXXX, I called in and they said I did not earn the XXXX points because my friend did n't use the link ... which he in fact did use. I asked to speak to a supervisor again and was told they would call me back. I refused that given my prior experience and was put on hold and eventually transferred. The supervisor told me she can not help, that I would have to reopen another ticket that would take up to another 120 days to review and that I should call tech support at XXXX. At this point, I am so frustrated. I have another friend who wants to sign up but I refuse to refer her in to such a flawed system. I have been a member since XXXX and am beyond frustrated. This is for XXXX referral points!
I lost my income because I got XXXX, so I applied with Wells Fargo for a loan modification, they denied it the reason I could afford it ; they said my income is high. At that time I had to go to the hospital so my income went down, they said so long I have change in income I could apply again, so I did it, they denied it again the reason the same as before, which is not true, without any other explanation, I believe the real reason of the deny is the house mortgage is much less than the market value of the house, they will be in better situation if they foreclosure Loan No. XXXX XXXX XXXX
I opened a capital one card in XX/XX/XXXX of this year. Right after a XXXX XXXX XXXX account showed up on my Credit Report that says I am negative XXXX. This is so wrong I never opened a card in XX/XX/2017. I have disputed this information and reported it to the credit bureaus with no answers. I can't get a mortgage right now due to this inaccurate information. If It was mine I would pay for it!!! I never opened an account at that time!! 


XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N.A. 

XX/XX/2017 {$2500.00} {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
XXXX  and Transunion are reporting incorrect information regarding an outstanding balance due on XXXX  - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however XXXX and Transunion have not removed this item. This inaccurate reporting is harming my credit score.
I changed insurance companies and sent in the reimbursed amounts from the previous company to Seterus so that the escrows would not be extremely short. Needless to say that amount sat in suspense for three months or more until after I had called XXXX 5 times to get it straightened out. then seterus took the whole amount of the billable insurance on my policy and added it to XXXX of my loans. Any XXXX in their right mind would know that XXXX house does n't have insurance in the amount of {$4300.00}. The mortgage on that property went up XXXX $ and we had to pay it from reporting late on our credit. that took 3 months to fix. now I have paid a principle payment on my mortgage followed the directions on how to do it and still another blunder. they just took my mortgage payment out of it. If I had not checked my checking account and asked why my mortgage had not been drafted I would n't have know ... the only attention to detail they have is what is my phone number and have I moved. I totally hate this servicer. they are awful ...
Chapter XXXX bankruptcy filed on filed in XXXX, discharged XXXX. XXXX XXXX XXXX continues to report the balance, a past due amount and a monthly payment on my Equifax credit report. I disputed the balance multiple times over the past 6 months with no success. Tried contacting XXXX XXXX XXXX and transferred from number to number until complete circle occurs. Main number XXXX -- & gt ; bankruptcy department @ XXXX or XXXX -- & gt ; " card services '' XXXX -- & gt ; back to bankruptcy department. I was supposed to close on a home today but the lender has informed me that closing can not occur until the negative information has been removed.
On approximately XX/XX/XXXX I went to make a purchase at the XXXX near my home. I was asked to confirm my mailing address. I was told the address I provided was incorrect. I was then asked to provide other identifying information, which I did. I was then advised that the address on file was listed as XXXX XXXX XXXX XXXX in XXXX, XXXX which, oddly enough, is my ex-wife 's address. 

I then went home and contacted Wells Fargo to change the address and ask why they would have my ex-wife 's address in the first place, as I had never provided this to them ... nor had she. In addition, I have never contacted XXXX 's requesting a change of address. 

They did say they would change the address to the correct one, which is XXXX XXXX XXXX. XXXX ( XXXX XXXX ) XXXX, XXXX. They also said that they had received notice from the United States postal service for a change of address for my mail, which I found odd as I am still recieving all my other mail. Sure enough, I also received information from my daughter that my XXXX 's bill had been arriving at her mother 's address and that they had been returning it to the Post Office. 

I contacted the US Postal Service, as suggested by the Wells Fargo representative, and they said they had no record of a change of address. I then followed on by opening a case with the US Post Office Investigations department, Case ID : XXXX. 

I also filed a formnal complaint with Wells Fargo, case id # XXXX. I was then contacted by the person assigned to this matter, XXXX XXXX, who said that she had investigated the matter and that a change of address due to returned mail had been recieved from the Post Office in XX/XX/XXXX. ( which would have been my ex-wife returning the mail ). But, this never occured, because the address had not been changed on XX/XX/XXXX. When I asked about this, I was told that the matter had been resolved. 

I mentioned that, in my mind, the matter had noit been resolved whatsoever and asked that I be provided with the documentation from the post office. I also asked how Wells Fargo had recieved my ex-wife 's address again and attempted to explain that the issue was not with the change of address back to the correct one, but the change of address to the incorrect one.  She said this is not the matter that she was investigating. She also said that she could not provide any additional information, nor documentation, as there was none to provide. When I asked, then, how she recieved the address from the Post Office she said, there is no information to provide and this matter is resolved. 

So, I hung up and called the executive branch of Wells Fargo Customer Service, who re-opened the case and re-assigned it to XXXX XXXX. 

A similar thing had happened in XX/XX/XXXX, when I attempted to obtain information by using the account number on my card. I was told that I had been upgraded to an " elite '' card and that this had been mailed to my address on file weeks earlier, although I had never received it.
I had 2 lates on my Chase Mortage dated back XX/XX/XXXX and XX/XX/XXXX 2013. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

Chase refused to remove the lates of my credit report.
I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XXXX, XXXX XX/XX/17 XXXX and XX/XX/17, XXXX XXXX XXXX, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17,  XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XXXX XX/XX/17, XX/XX/17,  XX/XX/17,XX/XX/17,XX/XX/17,XX/XX/17, XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XX/XX/17,  XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
XXXX is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.