WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx XXXX
Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX  confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.
I received 3 promotions so far i only got paid for one of them. 
# 1 : started XX/XX/XXXX and ends XX/XX/XXXX earn a {$25.00} statement credit with XXXX if i make 3 purchases of {$25.00} or more which i did. 
# 2 started XX/XX/XXXX and ends XX/XX/XXXX Shop XXXX and earn a special offer also spend {$25.00} or more on three different purchases which i also did. 
# 3 We 'll Pay You {$10.00}. Just for Paying with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX which i also paid on XX/XX/XXXX through XXXX and the amount was XXXX. 

so far i only got {$25.00} and after i contacted them they send a paper by mail saying that they already credited XXXX before and thats it .. the issue is resolved. Whenever i try to contact them i have to waste an hour or two of my life to contact them. I am really bored of this strategy and if you can help i would really appreciate it. 
I do n't care as much about the money as i care about the whole lies about their promotion! 

I have attached proofs of my claims 11 pictures of the emails i received and other documents
Upon beginning classes through the XXXX XXXX ( " XXXX '' ), I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( " XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a full-time student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account XXXX, XXXX from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, Title 12 U.S.C. 5531 ( a ) ), the Higher Education Act, and the Federal Trade Commission Guides for XXXX XXXX.
I am trying to refinance my home mortgage. When my broker tried to pull the loan, there was an account from a company called Department of education ( # XXXX ) and ( # XXXX ) showing 90 days plus late on Transunion and XXXX. This account should not be late because I have made all my payments since my loan was consolidated. I called the department of education and their database has my account as current and they are not reporting me as late to the credit bureau. This should not be listed on my credit as late because I am current. I have tried to challenge this account on several occasions but was told by the department of education department representative my account is current and they are not reporting me to the credit bureau and there is nothing to update. I do not understand how an account that is current is being reported to the credit bureau
XX/XX/XXXX, Navient put a delinquency on my credit report even though I paid on-time. The adverse record, caused serious problems with my other creditors, as my limits were taken away because they saw the delinquency. The removal of my limits, has dropped my credit score. On two occasions, they have gone on my credit report in error. Although one has been removed, it still continues to adversely effect my other creditors, because when they ran the credit report that month, it was listed on my credit. I was not late, I paid my payment, they lied and said that I was late. It is difficult to figure out exactly when my payment is due, and how much was due, so I called and was instructed by a representative on XX/XX/XXXX that as long as I pay my payment by XX/XX/XXXX, that I would be kept from being reported. He suggested that I pay sooner than that date, to avoid late processing, so I set up an automatic withdrawal set to post on XX/XX/XXXX. The money was removed from my account, but they still reported me to the credit bureau. Navient calls me day and night, and sends me letter after letter, even though I told them that I have been recovering from XXXX XXXX XXXX and can not even afford to pay for my prescriptions. I struggled to get the money together to pay them, and even when I did pay them, they still report to my credit.
Hello, I am writing to express my concerns about how XXXX XXXX  and Navient have been mishandling my loans.
I have successfully completed with A Student Loan Rehab Program that assisted with restructuring my loans with a private loan service " collection agency '' XXXX XXXX Shortly after competing there program and completing on time payments they stated my loans would go back to the original debt collector Navient.
When my loans were sent back to Navient I applied for an IBR and completed that program for a year. When I was up for my renewal I completed my re-certification indicating how much I would like to pay in the IBR program.
I received information that I did not have to pay for the year which I thought was odd for the this year 2017 the entire purpose is to PAY on my loans. Despite that I am still making payments probably not even making a dent on the amount owed horrible.
I also applied for my re-certification with XXXX XXXX which I completed a year long with them paying XXXX on each loan a total of {$10.00} per month it was much but when your trying to make a living and not go into another collection {$10.00} is still {$10.00} that could go towards fuel and/or food.
In my re-certification I was informed that I would not have to pay back for this year which is not what I asked. I specifically request to be charged automatic debt to my bank account {$20.00} per month {$10.00} each loan which I have attached to this email. I have so many forms from Navient and XXXX XXXX that sending them all would not make sense to anyone so I am sending what I think is only logical to prove my statement.
I now work for XXXX XXXX in XXXX XXXX ( XXXX XXXX, NV ) and being that I meet the criteria for the Public Service Loan Forgiveness program I was rejected twice.
Both rejections said my loans did not qualify. I called to speak to a representative and she gave me the run around stating my student loans were " commercial '' and that they need to be switched to be able to consolidate them once I complete that than I can apply for Public Service Forgiveness. I am not sure the validity of this as these reps are trained to just talk and talk to confuse us on purpose and cause confusion and unnecessary stress and XXXX to me.
We have been a customer of Capital One for many years. My XXXX mother has been responsible for paying certain bills to allow her to remain financially independent ; however, her memory has been an issue of late, and I noticed that the Capital One bill was not paid timely. As soon as I saw this I paid the amount due of XXXX ( XXXX/XXXX/15 ). 

I reviewed to see why the payment was so high, as we do not use the card much and the minimum payments are normally XXXX. Due to the missed payment for XXXX and XXXX, Capital One increased our interest rate from 4.92 % to 29.40 %, effectively increasing the minimum payment from XXXX to XXXX ( more than doubled the minimum payment ). 

I called Capital One and spoke to several people who told me that per the " Terms and Conditions '' they were unable to lower the rate on the card for XXXX months. However, it will be impossible for us to pay the minimum payment of XXXX. Essentially we will go delinquent due to this drastic rate increase. 

Up until this small issue, we have always paid on time. The fact that my mothers memory contributed to this makes it even more upsetting, as I can not now explain to her why the minimum payment has more than doubled, and we are on a fixed income unable to pay that drastic increase. 

All I have asked Capital One to do is put me back to the interest rate I have been at up until a couple of months ago. XXXX rate is robbery. We are good customers who paid in full once we realized there was a missed payment. It is unreasonable for Capital One to think that customers can pay such an interest rate, especially when we have been timely all along. 

My father went into the hospital on XXXX XXXX, thus I was not thinking about this bill at that moment, but as soon as I was made aware I paid the balance due in full ( XXXX ) I promised Capital One that I would put the account on autopay so that we do not run into this problem in the future if they would lower my rate back to what it was for years ( XXXX ) ; however the reps continuously told me that they were unable to change the rate, and that I would have to pay 29.40 % for 1 year before they would review. 

That is a difference of making {$1700.00} in payments in a year to {$4400.00}. All because we missed a payment and caught up as soon as I was made aware? I told Capital One that this account will go delinquent at 29.40 % -there is no way that we can financially afford to pay almost $ XXXX over the next year. Will they help us only when we go delinquent and ruin our credit? Is that the best answer? 

No, it is not. This rate increase is punishment for a late payment that is not in character of the account. It was a mishap due to my parent aging minds, and I do not want to embarrass them telling them that the reason the payment more than doubled is because they forgot to pay the bill. 

I am only asking that my rate be put back to what it was in XXXX. 4.92 %. We can then afford to pay the minimum payments. We can not at 29.40 %. 

Thank You.
On XX/XX/XXXX I had a preventative care visit at one of my physicians under XXXX which is fully covered by my insurance provider. In XX/XX/XXXX I was notified that I owed {$50.00} to my physician 's office for the visit. I contacted XXXX XXXX XXXX XXXX and advised it should have been covered by my insurance carrier XXXX and I should not be charged. I was advised by XXXX to disregard the bill that it was an error from the Dr. 's office that they encoded the visit wrong. Approximately a 1-2 months later I receive another bill for {$50.00}. I contacted XXXX again and was advised to disregard the bill and that there was a note on my account. In XX/XX/XXXX/XX/XX/XXXX I received a notice from a collection agency Apex stating I owed {$50.00} to virtua and my account is now in collection. I reached back out to XXXX who advised to disregard the bill and that it was sent to the collection agency in error. In XXXX XXXX resubmitted the claim to my insurance carrier and advised that everything was resolved. On XX/XX/XXXX I received a collection notice for the same issue now for {$110.00}. I contacted XXXX and was advised XXXX denied the claim due to it being 180 days after the visit and sent a notice to XXXX that they must send an letter of explanation in order for the claim to be paid. I have reached out to XXXX, who advised I don't have a balance or an account in Collections and has asked I forward the collection notice. XXXX provided a fax number which did not work. I have been calling on a weekly basis since XX/XX/XXXX and can not reach anyone, have left several messages and do not receive a call back. The issue is still outstanding and at risk for damaging my credit.
XXXX XXXX XXXX was paid by car insurance claim in which I was in a car accident in which is to be paid by the person at fault in the accident and I had uninsured insurance as well so I don't no why XXXX XXXXXXXX XXXX has not been paid considering all my other bills have been paid by the insurance company.
I've been a client of Bank of America for over 25 years and was an employee there for 13 years. 

Starting this year, BofA started charging my personal checking account $ XXXX as my balances were not over {$10000.00}. They should have been charging $ XXXX. When I went to the branches, two would not process a change as they were too busy while the XXXX number could only change the type of account I had. It seems that the $ XXXX was a 'high interest checking ' account that pays 0.01 %. If my balances were too low to warrant this high interest checking account that a branch employee switched me to once upon a time without my knowledge, the account should have migrated to the appropriate account type for the balances that I was keeping. To make {$25.00} a month on this account, someone would have to keep over {$55000.00} in the account. As such, charging a low balance account for something that they can not use seems very XXXX XXXX of BofA and suggests a move toward enriching themselves at the cost of their clients by moving them to unsuitable products. I don't care about me and the few dollars that I paid unnecessarily - I'm concerned about all of the people who are being taken advantage of.
Western Union send a XXXX form for the year 2015, claiming that I had work for them that year and they paid me {$1500.00} but that never happened, they report that income to the IRS, this is a fake income because I never received any income from this company in the year 2015. 
I can not file my taxes until they clean this fake information up in writing.I had send them a certify letter to ask them to fix their mistake, but they never answer me back.
I set up a payment for my car note and it returned as insuffcient funds to the institution i made my payment for and shows as " paid '' or posted to my bank account. My money is gone and my bill went unpaid!!!! No one know 's where my money is and now my car is up for repossesion!!!! The payment was posted to my account on XXXX XXXX, and said to have returned on XXXX XXXX which makes no sense at all, because i saw it posted to my account on XXXX XXXX, 2015.
I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. During the bankruptcy the trustee did not pay real estate taxes on properties in the estate and the liens have been recorded against my credit file which they should not have been.
Acct Service {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXXXXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX XXXX XXXX  {$250.00} Opened XX/XX/XXXX
Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Resurgent is reporting twice on my credit reports. Resurgent is also known as LVNV funding and is the same company.. I have a resurgent and lvln account on my profile for the exact same thing. They are double reporting on my credit report which is in violation of the FCRA, Furthermore they are reporting these as loans and this company did not take over the loan nor did I sign loan contract with them, they should be reporting as a " Debt Buyer '' as they are n't a lending company or financial institution.
On XXXX I entered in to a contract to buy a house. XXXX XXXX XXXX XXXX XXXX, XXXX. I had been pre-approved for a loan, with PMI, by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, in XXXX California, on behalf of Peoples Home Equity of XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX, which became a loan # XXXX. This loan was quickly sold to XXXX Mortgage. 
I paid {$450.00} for the appraisal and {$4300.00} in points to lower my interest rate. It turns out that the XXXX XXXX never provided a copy of a Prelim Report to the appraiser, neither was one provided to me by escrow until the morning of closing when I had to sign for it but no time to read it in the maze of papers. As a result of not being given the prelim tittle report that included 3 Property easements for SEWER LINES that cover 1/4 of the lot, along with a {$93000.00} lien the appraiser estimated the value of the property incorrectly, at {$630000.00}, when a price closer to {$600000.00} would have been more accurate given the fact the property had changed hands for $ XXXX 2 months before. I ended up paying $ XXXX. 
The loan agent had been recommended by my real estate agent who also failed to mention the easements, and the escrow company, Lawyer 's Title, was picked by the seller who does all her business thru them and forgot to provide me one till it was too late. The original prelim title report, that had been pulled for the seller, before escrow opened, that I attach, was sent to me in XXXX when I questioned my agent and the escrow. I have the one I signed on XXXX at closing, that was requested by the escrow company, Lawyers Title, from a DIFFERENT Title company, XXXX XXXX, on XXXX and provided to the agents and escrow, ONLY, WITH THE EASEMENT MAP, on XXXX, at XXXX pm, per email by my agent, XXXX XXXX. The sellers, the escrow company, My agent and Loan agent XXXX XXXX, conspired to keep the easements secret till the end and misdisclosed the HOA fees as {$30.00} a month, though they were {$150.00} per month so they gain the commissions, about {$16000.00} for my agent and over {$8000.00} for XXXX XXXX for this loan. The sellers agent has agreed to mediation, while the buyers agents declined and legal action is to follow.
I have tried multiple times to get this taken care of. I have no knowledge of the debt they have on my credit report. I mailed an original police report showing I have no knowledge of these debts, and they refused to respond to me. I want this invalid debt removed from my credit report, and I am willing to do whatever they need me to do to prove it 's not valid. 

The first company XXXX has also not been fair. They said someone signed a lease UNDER MY NAME completely online. That does n't even make sense, no real way to verify. When I offered to drive to XXXX to show my ID and prove it was never me they said they did n't keep any kind of camera or records like that. I never lived in those apartments and I DEFINITLEY never signed a lease it was fraud. They only tell me they ca n't look into it further and I have email correspondence with XXXX.
My card was missing and I reported my card lost on XX/XX/XXXX. The representative that I spoke with told me that they were sending me a new card and a dispute form to fill out, because they were unauthorized charges on my card. Two weeks later, I have yet to receive both items. I called Rushcard again and was told that they did send it, even though I have yet to receive it. After arguing with a supervisor, they sent my dispute form In two hours. They also told me that during the process, then I will be receiving a provisional credit onto my account while the investigation is takin place. I turned my dispute forms in on XX/XX/XXXX, and on XX/XX/XXXX, they informed me that there was nothing wrong with my account! They then tell me that I can file a rebuttal letter against them in order for them to re-open my case. I sent in the rebuttal letter three times and they told me various excuses as to why the fraud department could n't look at it. One representative even told me on XX/XX/XXXX that if I turn in my rebuttal letter, then I would have a provisional credit placed on my account. Throughout this time period, I still have n't received my new card. They said they sent it on XX/XX/XXXX and it is now XX/XX/XXXX. According to them, my card should have been here from 5-7 business days. Not only do I have a card, but I have also endured a loss of money because they failed to investigate the disputed amount that I inquired about. Because they failed to comply, I am filing this complaint, a complaint with the Better Business Bureau and I will also contact an attorney to sue, because of the loss that I had endured while dealing with Rushcard and their representatives and the damages they have caused. I am missing almost {$900.00} out of my account and they failed to investigate that and to give my money back. Because of that, I am at risk of falling behind on expenses that is needed to survive.
The company change my payment after refusing the modification in XX/XX/XXXX the equity loan original started with XXXX XXXX XXXX and then it was transferred to nationstar in XXXX. The original loan equity was in XXXX for 20 years can the company change your payment with 5yrs left on the equity loan I don't think so but they yes without explanation ... 
Hope you can help Not only this time of year again I only ask if they can help after in XX/XX/XXXX I came to know I have XXXX. 
And this is the help from the company
I took out $ XXXX in loans with XXXX ( now Navient ) to attend XXXX from XXXX. I could n't pay the full payments when I left school and I used the forbearance options for 2 years. With interest the debt is now $ XXXX even though I 've made payments for the past 8 years. I make XXXX a year and I 'll never be able to pay this off. Right now I 'm on the annually renewed rate reduction program, and they 've lowered my interest to 4.5 % but my payments are {$770.00}. This loan is taking all my money and I desperately need to find a solution. My father also co-singed the loan, but he is now retired and living on social security.
A gentleman by the name of XXXX XXXX called me at my place of employment. I told him it was not a good time and to remove the number. About 10 minutes later, my cell phone rang and I asked for an address to send them a letter requesting verification and was told no. A few minutes after that, I received another call saying he was told by his compliance officer that he had to do what I was requesting. I requested no more calls and had gotten nothing until XXXX/XXXX/2016. I received a robo-call while driving. I called back and said I did not want them anymore and the man who answered got irate with me and I told me they would continue doing it until they got what they wanted and I could not make request of them. I hung up. He called back immediately and left me a nasty voicemail. I have verbally requested to know what this debt is, no more calls and robo-calls and all I get is threats to sue me and send people to my place of employment, which they leads their calls with ... " Hi, you work for ____ and we will come there. '' It is extremely unprofessional and in violation because they do not want to respect what I say.
This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX # XXXX XXXX XXXX # xxx I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP