WillisBack/dataset-financial-user-claim huggingface dataset:
In the XX/XX/2015, CFPB opened an investigation into why student borrowers are falling off their income based re-payment plans. They found that more than half of borrowers were failing to re-certify by the yearly deadline and submitted inquires with the major loan servicers ( XXXX XXXX, XXXX, XXXX, PHEAA/FedLoan ) as to the potential cause. I would like to share my recent experience with FedLoan Servicing. This past XXXX, my checking account was suddenly over-drafted with a {$3500.00} charge from FedLoan ( XXXX times my monthly payment ). After calling FedLoan to determine the cause, I was told that I had failed to re-certify my loan. I questioned when I had been notified. They responded that they had sent me electronic communication a couple months prior. In short, this resulted in my interest being capitalized ( now costing me additionally ~ {$2500.00} a year ) and I was placed on standard repayment. I quickly re-certified, but was told I could not be re-started on income-based payments for another month due to " processing time '' so I was required to make another {$3500.00} payment the following month. I contacted FedLoan again saying I could not afford this payment. They offered forbearance but said my interest would be capitalized again. I submitted a complaint with the federal US Department of Ed Ombudsman and the FedLoan servicer Ombudsman of insufficient notification and requested the capitalization be reversed. They claimed the electronic notification was enough. Despite there being no phone calls or paper notification to my home address. I have since canceled online notifications, I now get an e-mail every couple weeks to " sign up for our electronic notifications '' by FedLoans " to be green. '' Obviously that previously did not work out in my favor. I submit my story to help CFPB and others understand the barriers to re-certification : ( 1 ) Electronic notification is pushed hard by the loan servicers ( 2 ) They send e-mails but then require you to log in to a secure database to read their messages ( 3 ) They send messages monthly about payments coming due making a change in loan status harder to identify in the sea of e-mails ( 4 ) They do not phone or send a supplemental paper letter if a substantial change is about to occur to your account. Unfortunately, missing one e-mail will now cost me {$2500.00} a year in interest on my interest.
I have a Line of Credit Chase Bank with one interest rate for several years. The interest rate was 4.75 % with a payment averaging {$350.00} per month. I have had this line for approximately 10 years. On XXXX XXXX, 2017 I received my statement for period XXXX XXXX 17 thru XXXX XXXX 17 with a payment of {$620.00} stating my interest rate is 4.5 % with a {$19.00} principal. This is HIGHLY illogical since they state my interest rate is lower but my payment almost doubles. Additionally they state {$19.00} for principal ( a charge I have NEVER had before and do not know what it is ). On the second page of the statement they state I have 5 days of billing cycle at 4.5 %, 5 days at 4.75 % and 21 days at 8.45 %. Nothing has changed in the last 10 years but suddenly they have CREATIVE FINANCING. 

On XX/XX/XXXX I called Chase at XXXX XXXX XXXX asking for an explanation. The Chase employee was rather rude to me but finally transferred me to an Escalations Manager as she did not have the answer to question. 

XXXX, the Escalations Manager at XXXX XXXX XXXX ext XXXX did not have the answer either. XXXX stated she would research the issue and get back with me within 48 hours. She did NOT. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. XXXX did not return the call. On XX/XX/XXXX XXXX XXXX PST I left another message with no reply. 

Finally Saturday morning arrives and XXXX calls me while I am eating breakfast. I advised her of this and said I would call her back. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. I called her on XX/XX/XXXX at XXXX XXXX PST and left another message. 

It seems that XXXX NEVER answers her phone and only returns calls on Saturday mornings. A date her recording states she does not work. 

To date I have not received an answer to a simple question. My payment is due XX/XX/XXXX and I need to have this resolved IMMEDIATELY.
Navient has continued to call my mother who is in no way affiliated with the loan about payment, even after I have paid. After calling to let them know this, they said thats the number they have, even though I never gave it to them and that it takes a few days for the payment to process.
My name is XXXX XXXX and I work for XXXX XXXX XXXX. My clients XXXX and XXXX XXXX have been working with XXXX to complete a Modification on their home .... XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan was sold to XXXX, XXXX and they retained my services to do a short sale. I placed the home on the market for over asking price per comps and it sold in a week for full price of {$400000.00}. The buyer is putting down $ XXXX and has a solid loan. I called XXXX to confirm a short sale approval and they advised they could not short sale the home, they said the sale date is XXXX and the only way to get the sale date postponed would be to have the XXXX XXXX XXXX XXXX approve it. XXXX said that is wrong and the owner of the loan has to approve the postponement and the short sale. Now XXXX is telling me I need to talk to the owner of the loan and XXXX XXXX XXXX is telling me they sold it to XXXX. I have a full copy of all paperwork regarding what I am trying to do. I specialize in Short sales and this seems to be a huge run around. XXXX myself and the owners are getting no where and the time is counting down to the Forclosure sale date on this property. PLEASE HELP!
I have an alert from XXXX about a new derogatory file. I do not know who these people are and i do not recognize this debt. These collection agencies are participating in extortion and need to be punished and stopped.
Complaint ID : XXXX The aforementioned Complaint with TransUnion is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. TransUnion, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, TransUnion sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

TransUnion 's generic mass produced letters, a waste of time and nothing more. Per the XXXX, the item ( s ) of dispute should no longer appear on TransUnion 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
They contacted my elderly parents at night. My parents have a call blocker that requires the person to state their name and then my parents have the ability to accept or deny the call. 

This company pretended to be me saying they were XXXX XXXX. 

My attorney XXXX XXXX told them not to call anyone on XX/XX/2018. 

They called XX/XX/XXXX. My attorney called them again and warned them not to call again and they said they would not abide by our wishes. 

My attorney can verify all of this. 

XXXX XXXXXXXX XXXX, ESQUIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX
The servicer contacted me back XX/XX/XXXX of last year and told me that my loan was due for repayment. I specifically asked them to send me any original paperwork bearing my signature from the original date of loan. The representative said they do not provide that information and I will have to repay the loan without them validating the signature on the loans.

I have sent them a letter in XX/XX/2018 requesting the same information again and never heard from them again. I received a letter on XX/XX/2018 stating they are proceeding with wage garnishment without following proper Federal code ( 4 ) ( h ) ( 1 ) ( B ) Federal Rule to Civil Procedure of sending a summons to appear in court. I am sending them a letter in writing again with return receipt requested, asking for Original documents Bearing My Signature from date the loan was started. The loans were cancelled 1. XX/XX/2006 and loan number 2. XX/XX/2006. They were both cancelled on the same date. I didn't attend this school nor did I sign any loan paperwork for this institution.
My attorney recommended that I work toward re-building my credit after XXXX and a Bankruptcy filing. I opened a secured credit card with Wells Fargo with {$1000.00} and a debit account based on a checking account with Wells Fargo. While traveling to Oregon, one of the two cards was misplaced and I could not find a bank obtain a new card and so just closed the lost card and never used any Wells Fargo accounts after the loss. 
Subsequently, when I applied for a loan to purchase a house, I discovered that I had eight ( XXXX ) accounts open in my name and as a result did not qualify to purchase the house because of " bad credit ''. This was all before the scandal of Wells Fargo opening accounts for people without them knowing about the accounts in their name. The fraud on the part of Wells Fargo has cost me personally in excess of {$50000.00} in moving costs, rent payments etc.
I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help
XXXX, a representative of Pocket Fund, contacted XXXX women from XXXX, stating he was calling them as I had listed them as references. XXXX disclosed the company name as well as went as far as stating he was affiliated with a loan company and the reasoning for the call was because they had not been able to reach me in regards to my delinquent account. 

At the time of obtaining this online payday loan, the only required provided information was my employer information, as well as residential, & banking account information. The XXXX women whom were contacted, I have no affiliation with. They live in XXXX, as I am in XXXX. XXXX of the women that were called, contacted my via Social Media to go as far as asking me why I took out a loan that I am not paying and listing her and her sister as references when we do not know each other. 

I had to apologize to this young lady for inconvenience, but I can assure you, it is rather embarrassing to have your private financial obligation to be discussed with a complete stranger. Mind you, my account is 18 days delinquent! When I contact XXXX he stated he did nothing wrong. To my knowledge, I thought the creditor was not to disclose even the company name, but rather inform the reference, or whomever if not the customer or consumer, that they are simply calling in regards to a personal business matter and are not authorized to release any other information BUT THAT! Still, XXXX insisted he did nothing wrong and asked how I wanted to pay my account today. He proceeded to tell me that if I did not pay that would lead to wage garnishment and I needed to take care of my past due balance.
I reviewed my credit with a Agency and Credit Karma is not providing the accurate scores and correct information from XXXX, XXXX as I review my credit score with a agency. My credit scores with a Financial Institution lender it reads as follow XXXX XXXX, XXXX XXXX and XXXX XXXX. CreditKarma.com displays XXXX XXXX and XXXX XXXX it does n't display XXXX. Credit Karma is misleading Consumers and our Military Veterans on credit scores and credit accuracies I have a free membership with Credit Karma. I am providing my Credit Karma information to Federal Government for evidence. My Log id XXXXXXXXXXXX Password XXXX Credit Karma credit scores and information are misleading.My credit score of XXXX is way of XXXX is misleading.Also I was mislead on credit card referral as credit karma states that my credit scores was good to get a XXXX XXXX credit card and when I applied I was denied and declined by XXXX XXXX Credit Card.
LOST JOB.. LATE 1 MONTH, NEXT MONTH PAID 2 MONTHS PAYMENT PLUS FEES. XXXX INTEREST ON PROMOTION TELL XXXX/XXXX/17. SYNCHRONY BANK SLAPPED {$270.00} WORTH OF FEES ON BILL. LOST JOB WENT ON PROGRAM ... NOW HAVE CASH TO PAY OFF PROMOTION. SYNCHRONY BANK WILL NOT WITH ME AND ARE GETTING READY TO HIT ME WITH DEFERRED INTEREST.
I have been a PNC customer for over 14 years. I have a checking account and I have financed XXXX vehicles through PNC. I called today to schedule a payment for my Auto loan which will be paid off in less than a month. I was told they would no longer accept my partial payment. I have always paid partial payments in the 14 years of doing business with PNC. I am getting ready to purchase a new vehicle and assure you I will be going elsewhere for financing. I will not be doing business with PNC any longer! I am highly disappointed and will be closing my PNC checking account as well.
I have asked Midland Funding to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
This is a repeat complaint. Equifax initially responded that they were investigating and getting back to me with results. This was on XX/XX/XXXX. As a result, that complaint XXXX was closed. I never heard one word from EQ. I then submitted it again on XX/XX/XXXX Complaint XXXX and no response to date. I first started this dispute in XX/XX/XXXX. All records have been attached. I d need these three accounts to report on my EQ reports. One of these disputed accounts did show up very briefly only to be taken off yet again after approximately four days. I 've been treated so unfairly and ignored. 

The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. On XX/XX/XXXX EQ  Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2. XXXX 3. XXXX XXXX XXXX. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. EQ Report XXXX Begins the non-reporting of my AU accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an AU. I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. Thanks for your time.
I have asked for this collection agency to validate this debt, they sent me a paper with a signature that is NOT MINE. I was not even living in XXXX on XXXX. This signature is fraudulent and forged. I am asking for them to IMMEDIATELY remove this collection from my credit bureaus which is negatively affecting my credit score.
Owned XXXX on damage debt and settled payment on XX/XX/2016. They sent collector Transworld System , Inc. Collection Agency that it was not collected w/ letter dated XX/XX/XXXX. I have copy of credit card payment of the debt was collected by XXXX.
I have been disputing with Equifax over my XXXX XXXX account. I have spoken with XXXX XXXX and the other XXXX credit reporting agency have removed the XXXX XXXX from my report. I am on a payment plan with XXXX XXXX I have to pay them XXXX per month. I have spoken with XXXX manager and she said that it has been reporting it correctly that I am paying on time each month. There is nothing in my file with XXXX XXXX that says I am 120 days past due. On my equifax report it states that itis 120 days past due and it is hurting my credit score. My credit score with experian in XXXX and XXXX with equifax. I need this removed from my credit report or say I have been paying agreed and not late and an updated credit score. this is not fair. I also am having another issues with equifax on its reporting and will be disputing incorrect information on my report.
PREVIOUSLY DISPUTED AN ACCOUNT ( XXXX XXXX ) ON MY CREDIT BUREAU. THE ACCOUNT WAS REMOVED FOR ABOUT 3 MONTHS. AS OF XX/XX/2016 THE ACCOUNT IS BACK ON MY CREDIT REPORT WITHOUT BEING GIVEN NOTICE OF INFORMATION BEING REINSERTED. I AM NOT ASKING FOR A REINVESTIGATION.
Navient and XXXX XXXX have robbed my family and I blind of any future we have from my time at the XXXX XXXX. Not only did the school and the service provider lie about the loans we took out, and options we were offered and told to repay, we have substantial evidence the school has : - Double charged us and pocketed the money - Received kick backs of money in large checks that were never used for my education, but were charged for. 
- Tampering of student loan paper work - Withholding of information that proves their guilt after 5 years or non stop requests for info. 
- Consistent deflection of answers that question the proof of the amounts owed when proven wrong. 
- Computer errors that mix up my families co-signing, trying to continuously charge us double for loans we already paid in this mix up - Deliberately not sending correspondence to the right addresses, after being told multiple times of the changes. 
- Refusing to speak with my mother about her or my loans even though we share the loans, just to deflect questions, and to give us different answers to the each of us to cause confusion - Refusal to deal with the issue over double charges and new excuses every time they are asked about it. 
- No consolidation of loans when promised during school - Numbers that do n't match what Navient/XXXX XXXX says is owed from our paperwork - Consistent misdirection by giving us false addresses to send our paperwork too, and giving us false numbers to push us away from solving issues - Harassment of payments long paid and genuine rudeness when questioned - People refusing to help any further after errors were found to avoid being singled out from doing their job in error. 
- Blatent withholding of important paperwork for years of time passed that would incriminate them - Emails of them contradicting themselves and proof of misdirection in correspondence. 
- Years of conversations cataloged in their system trying to resolve the issues.
I have purchased 3 vehicles from XXXX/Toyota in the last seven years. I traded my first XXXX in for a new XXXX and bought an additional XXXX XXXX. I am in the process of building a custom home and needed to payoff the XXXX XXXX ( three years early ). I put every penny made into paying this car off early. 
My payments were : XX/XX/XXXX {$9000.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} I made the last payment on the XXXX XXXX on XX/XX/XXXX. I received a refund check of {$830.00} on XX/XX/XXXX. I thought it was an overpayment. I received a call a few weeks later saying that I missed the XX/XX/XXXX payment. I then realized that I accidently paid my XXXX XXXX ( # XXXX ) payment to the XXXX XXXX account. I now have a 30 days past due mark on my credit which is affecting my chances of closing on my house in two months. I understand that I made an honest mistake and that is why the money was sent back, I try to pay overage on all of my payments. I was planning on buying a XXXX XXXX after we closed on my house, but how can I give my business to a company that I was loyal to for so long and three cars later. I have spoken to three representatives at XXXX XXXX XXXX and the pretty much told me 10/10 times they will remove this mark from my credit because of the situation. I got a letter today stating that they will not remove it.
American Express issued me a card that they charge an annual fee on. This card was advertised as a no-limit card, allowing me to make purchases and pay off monthly in full. A limit was out on shortly after it was issued because I was told I had a short history and based on the financial information available. 
I recently requested a limit increase and was told they needed additional information to review. I submitted by bank statements ( attached ) and never heard back. I called today and after hours of passing me around, I was told no one was working on my file although they had received the paperwork. 

I am requesting that this be acted on the limit removed accordingly, and if not, that my annual fee be returned as the limit does not give me enough purchases to justify the charge.
Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against TransUnion for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Transunion, which has been one of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Transunion only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. The collection agency refuses to speak to me and they have, on numerous occasions, hung up the telephone while I was speaking and questioning their debt claims against me. I have also filed CFPB complaints against the collection company, XXXX XXXX in XXXX California, for illegally and fraudulently reporting onto my credit file with Transunion. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this is absolutely in violation of that.