WillisBack/dataset-financial-user-claim huggingface dataset:
My loan servicer is Navient. Not only are the not helpful but they refuse to lower my interest rates which have risen to nearly 10 %! They are a scam. No where in my contract did I ever sign up for interest rates that high - and that is not all. The amount of money that I originally borrowed ( I have private loans ) is significantly lower than the current amount I owe - mostly from interest accruing while I was in school. This is not fair and I know many others whom have written complaints about Navient and their unfair practices. They also refuse to help me lower monthly payments. My payments are running nearly $ XXXX/month - which is impossible to afford with my current salary. Something needs to be done for students in New York with private student loan issues because we do not have the repayment options that federal loans have. 

XXXX XXXX
I have been writing Portfolio Recovery Assoc., for over 2yrs regarding a CC from XXXX XXXX that is not mine. I have also written the 3 credit bureaus, the Dept of Justice and the Attorney General with, *Identity & Fraud reports, *Copies of my personal DL # & SS Card proving the information they have listed is not mine.

*And a letter from XXXX XXXX themselves stating the account was fraudulent.

Now, PRA has sent a letter stating the account info they purchased from XXXX XXXX has a different account number than the account number listed on the my letter from XXXX XXXX. They are stating that they have stopped all collection attempts while they do their own investigation but I am requesting that this information is removed immediately with the proof that I have.
I recently signed up for an American Express card. I have a screenshot of the details of the offer which was receive XXXX membership rewards points after making {$3000.00} in purchases in the first 3 months. I spent over {$4000.00} in less than 3 months and AMEX will not release my membership rewards points. They 've informed me multiple times over the phone that there is a 8 week holding period before these points are released, despite saying nothing about this in the terms and conditions. Today is the end of that eight weeks and they are still holding my points. This feels like false advertising to me. I 'd like to open a complaint against AMEX.
The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -XXXX , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX  and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.
I attended a meeting with Chase ( XXXX ) to refinance my mom 's mortgage loan as her Trustee and DPOA. Chase has the POA on record for her existing accounts. When I arrived at the appointment with the LO, I brought my mom 's most recent XXXX award letter and informed the LO that I was a Mortgage Audit Supervisor. He read allowed a disclosure to me based on the purpose of the meeting and disclosed that before he could take my application, he needed me to provide additional documentation which included previous income, bank statements, etc. This seems to violate Section 19 ( e ) ( 2 ) ( iii ) Verification of Information because Chase is requiring me to provide them with  documentation not only before submitting an LE but before I can even complete the XXXX Application. My mom banks there so they can see her XXXX income directly deposited, her Rental income directed deposited, and her assets. However, I was told to come back once I had all of the documents and my appointment was cut short. Please assist in enforcing the section on Verification of Information prior to being allowed to complete a Loan application. Even though I am in the industry, I felt discouraged in completing the application based on that type of flattened disregard of my time.
A contract was written on XXXX XXXX, 2017, for various services to be performed by XXXX XXXX XXXX ( State Lic. # XXXX ). Included were Photovoltaic Panels, solar water heater and panel, solar attic fan, insulation, a variable speed pool pump, and 1-time roof remove replace. Also mentioned, was that the inverter would have a wifi monitoring system, and routine maintenance. " We would know if there was a problem with your panels before you did. '' is what we were told by the sales representative. 

We never received a wifi monitoring system, and the company does not monitor the panels like we were informed. 

We attempted to contact XXXX about the 1-time roof remove replace, after hurricane Irma had us file a claim with our homeowner 's insurance. We did not receive a response until we filed a formal complain with the financing companies. 

XXXX is now under the impression that we were requesting the solar panels to be removed, while we get our roof replaced, to which they denied. They stated that the notation on the contract was only for the solar water heater panel to be removed and replaced. 

XXXX offered to replace my roof at a " good price '' to which they would remove the panels and replace them, but I pointed out the 1-time roof remove replace was already included in the contract. 

I informed XXXX that I was seeking counsel for the contract and they stopped speaking with me, and told the finance companies that they would not speak with me any longer, due to seeking assistance from an attorney. 

The contract in question was for {$24000.00}, which included ; blown insulation, solar attic fan, 80 gal solar water heater and panel, a variable speed pool pump, and 1-time roof remove replace. 

I 've made several attempts to resolve directly with XXXX Contracting. I filed a formal dispute with the finance company ( Service Finance ), regarding the contract not being fulfilled. It seems like XXXX is confused or misinformed of what the contract includes, and what the dispute is regarding. I am disputing the installed inverter not having a wifi monitoring system ( which the inverter is fully capable of ), and the removal and replacement of the roof on my home, as noted on the contract.
Transunion offers a service called XXXX that provides landlords with full credit and criminal background checks at the expense of the renter. 

When I called to ask about obtaining a copy of my credit report in XXXX, I was directed to the FAQ on the website which directed me to call transunion directly. The operator was unsure of how to proceed and I have yet to receive a copy of the information that I was charged for, and that was provided to a prospective landlord. 

It has been more than a month and the process seems to be intentionally designed to confuse and deter people from accessing the information that they pay for. It is deceptive business practice at best, and outright illegal at worst.
I had a XXXX card from XXXX. I had the card on Auto payment and every month, the card was automatically paid in full every month which XXXX debited from my checking account. The XXXX card servicing bank was switched without my approval from XXXX to Barclay 's bank in XX/XX/XXXX and a new mastercard account, with a new account number, was automatically opened for me at Barclay 's bank and the balance was transferred. Barclay 's bank turned off the Auto Payment unbeknownst to me. When I discovered that the my XXXX credit card account was not paid automatically as before, I paid it once I discovered the account was transferred and the auto payment feature stopped. Barclay 's bank then reported my payment to all the credit agencies that I was 30 days late. However, even after disputing with Barclay 's bank and the 3 credit reporting agencies, Barclay 's Bank continues to report on my credit report that " I made '' a late payment which is hurting my score and my ability to access credit and the best rate. This was not MY doing it was THEIR doing. I do not have any other late payments on my credit report in the history of my file which started in XX/XX/XXXX. The lower credit score now indirectly costs me more money through higher rates and less advantageous credit offers.
You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 


Consent to publish the description of what happened? Consent provided
Today, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " Equifax. '' While reviewing all 46 pages very carefully I noticed that under the " Collection Agency Information '' section on page 5 of 46 pages that a so-called " Collection Agency '' by the name of " XXXX ; XXXX XXXX XXXX ; XXXX, Florida ; XXXX ; XXXX '' unlawfully posted on " XX/XX/XXXX '' onto my " Equifax credit report '' that I owed " $ XXXX '' to " XXXX '' from " XX/XX/XXXX. '' This debt is NOT mine. I am a victim of Identity Theft. And this is the 3rd time now that this " XXXX '' company has unlawfully posted this onto my " Equifax '' credit file in the last 2 consecutive years. I called up " XXXX '' and politely informed them of the facts. That I have been a customer of XXXX XXXX XXXX for over 22 consecutive years and NOT ever with XXXX The " XXXX '' customer rep. just rudely hung up on me.
I have never done business with Ad Astra Recovery Services. I do not have a signed contract with Ad Astra Recovery Services. I am not liable for this debt from XXXX. On XX/XX/2018 I contacted Ad Astra Recovery Services asking for a proper debt validation. Ad Astra Recovery Services failed to complete this request. Ad Astra has had ample time to validate this debt. An alleged e-bill does not meet FRCA requirements for validation. If Ad Astra Recovery Services can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Ad Astra Recovery Seevices INC does not have permission to contact me by phone, e-mail, or US mail. All communication must remain in the CFPB portal.
My husband had a loan with Seterus, and was in the middle of making trial payments to have the loan modified when he passed away XX/XX/XXXX. I wanted to assume the loan, and completed all paperwork to send to Seterus. There was an issue that took several months to resolve, as Seterus wanted me to have the home go through the Probate process before they would review the assumption application. I explained that I already owned the home since I was on the deed, and should n't have to pay the expenses of Probate since I own the home. This took Seterus several months to review, and finally send me a letter that they agree the property does not need to go through Probate - that i must have been " misinformed '' by someone at Seterus. Once this issue was resolved, i had to resubmit many of the documents since they were considered " out of date '' by Seterus. I did as they asked, and they sent a letter dated XX/XX/XXXX that they had received all the documents from me they needed and were reviewing for the assumption and I should receive an approval or denial in about 30 days. We are just a few days short of it being 60 days now. I have been calling each week since the 30 day point to see where we stand - and each person I speak to says there are no notes that reflect it 's even being worked on. This situation has been " escalated '' in Seterus system twice in XX/XX/XXXX - without any forward movement to the " escalation ''. I received a letter via XXXX on XX/XX/XXXX that Seterus was " responding to our request '' and had assigned XXXX XXXX with " Consumer and Government Affairs '' to our case. The letter said to reach him with any questions, and gave his number. I have since called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I left voicemails each time, and have not received one return phone call or message. I called the general customer service line on XX/XX/XXXX and spoke w XXXX XXXX who reviewed all notes, and agreed that the review did not appear to be moving forward, and got her supervisor XXXX XXXX involved. I spoke with XXXX and she said she would contact the " Assumptions Department Manager '' that day, and have them call me that day. I never heard from anyone ( XXXX or Assumptions Manager ) .I asked XXXX for her direct line and called her on it on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - and left voicemails each time stating I had never heard from the Assumptions Department Manager - and I still have not received one return phone call or message from XXXX . I called the general customer service line today, XX/XX/XXXX and was advised there are still no notes or evidence that the review is moving forward. I want this process completed so that I can move forward with my life, and I 'm concerned that Seterus is taking so long, they 'll tell me my paperwork is out of date again.
I was relocated to XXXX by my company, and was issued benefits through a relocation company ( XXXX XXXX ) that included benefits with the sell of my current home. In XXXX 2015 I started the process to sell my home, I had to go through a number of inspection and repairs before my house was able to be placed on the market. Once under contract, paperwork would be done between the relocation company and myself.Then how it works is, I sell the house to them, and then the sell of the house would actually be between XXXX and the new buyer. I went under contract in XXXX, and was advised by the relocation company not to make the payment they would take care of everything. Apparently the first check sent to HSBC was received at the Dock according to the USPS but the payment never applied to the account. XXXX did a stop payment after 2-3 weeks and sent another check overnight. Which at that time, it was already late.Then there was a problem with the attorney and they had to get a new XXXX, which delayed us about a week or two. I signed the contract selling my home to XXXX on XXXX/XXXX/2015 and was issued a settlement check on XXXX/XXXX/2015 for the proceeds from my home. I was told I was done with the house, and even if it fell out of contract, I was no long responsible. The buyer did have trouble and it took longer to close, so XXXX was responsible for making the payments. XXXX was sending the checks for my mortgage payments. Unknown to me they made XXXX of these payments late. Worried about my credit, a called and spoke with a gentleman by the name of XXXX XXXX, to repeatly be told that my credit would n't be effected, the late fees would be reversed and even sent me a letter confirming our conversation. Later to find out my mortgage was report late for XXXX months. Since then, I have made a number of phone calls and sent contracts, settlement statements, the letter from XXXX, letter from XXXX accepting responsibility. I faxed papers, I have done everything to get this fixed and know one will help. This is effecting my credit, and now I am unable to obtain a new home loan based on the fresh mortgage lates reporting on my credit report.
I purchased XXXX XXXX, the vehicle was financed though XXXX who I feel took advantage of me with my financing the interest was compounded daily interest. XXXX added to my contract and additional {$3400.00} with out giving explanation for charge. Shortly after it was added they removed the {$3400.00} after I inquired regarding the charge. My contract was transferred to Santander {$3400.00} was added back to my contract and the due date for my payment was changed with out explanation. There is a Federal Consent Order in place from the XXXX. for the unethical practices of Santander. Please investigate Thank You
CONTINUOUS CALLS FROM THIS DEBT COLLECTOR, I ANSWER THE PHONE EVERYTIME AND TELL THEM I AM NOT WHO THEY ARE LOOKING FOR AND TO TAKE ME OFF THEIR LIST. THEY SAY OK YOU ARE OFF THE LIST AND THE NEXT DAY AND THEREAFTER THEY CONTINUE TO CALL AND HARASS ME.
I was unable to work due to an extreme circumstance, so I got behind. The Capital One rep at the time waived the late fee from XX/XX/XXXX - XX/XX/XXXX and I asked him would that be updated on my credit report because I have a 30-60 late on it. He told me yes. It was never waived and I have tried many times, but no one is being helpful at all and just reading the standard credit reporting script.
Capital One keeps making credit inquiries on my credit report after I requested in writing that they stop. I originally allied for a credit card but was told that I had a credit freeze on my report. I contacted the three credit bureaus and they said their was no current freeze. In XXXX of 2017, I wrote Capital One to request to opt-out of solicitations. Since then, they have continued to make hard inquiries on my credit which I did n't authorize. The last two I can see were on X/XX/17 & X/XX/17. My credit score has been dropping due to this.
I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.
In XX/XX/XXXX a judgment was filed against me in the amount of 3700+. In XX/XX/XXXX, I received a notice from XXXX XXXX that the amount from court order was for 4000+. I had called Midland and they said it was for the XXXX amount rather than the amount that was on the court order for 3700+. I had also informed them that due to only having social security benefits as income I could pay $ XXXX/mo in the form of a money order. They refused saying it had to be by check. On XX/XX/XXXX I received a notice from my son 's bank that they had frozen his checking account due to a citation to discover assets and that there was a court date on XX/XX/XXXX. When I checked the court docket in XXXX county, it appears that there were notices and motions filed in XXXX that I was never made aware of. I believe that XXXX XXXX for XXXX XXXX has broken a couple of federal laws in the federal debt collection practices by 1. going after my son 's checking account which only had his payroll directly deposited and 2. by falsifying  the dollar amount on the citation to discover assets as it did not match the court order.
My lender is stating that my home has been foreclosed on but they are in the process of buying it back and they are also stating that it is in the process of being foreclosed on again. They will not discuss any modification options with me.
ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXX XXXX XXXX and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.
There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX XXXX and Experian keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : XXXX XXXX XXXX XXXX.
Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education  previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX