WillisBack/dataset-financial-user-claim huggingface dataset:
Navient services my Federal student loans. I was enrolled in an Income-Based Repayment Plan XX/XX/XXXX. I realized something was wrong when my payment amount increased dramatically XX/XX/XXXX. I called Navient and was told that I did not complete required annual recertification to maintain lower payments. I told them I never received notification through email, mail, or otherwise that this was required, when it was required, and what the consequences would be if it was not done on time. It was only when I logged into my Navient account and checked the Correspondence section that I saw they had sent an overdue notice regarding the need to recertify. I do not fully understand the penalty except that I believe a whole year of payments were basically wiped out. I did not submit a complaint because I did not fully understand everything and was assured that notice had been sent. My student loans are about {$60000.00}, so a year of interest or whatever the penalty was is enormous. Please help me understand what I can do to make Navient own up to their inadequate notification and correct this problem. And by the way, I have never missed a payment or been late on a payment even when my payment unexpectedly increased more than 100 % from one month to the next. Thank you for your help, and I hope by submitting a complaint a year later that it does not diminish any chance of correcting this problem. Thank you very much. 
Sincerely, XXXX XXXX
I filed several complaints with XXXX  and XXXX over a serious problem with Santander USA, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( Santander ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX XXXX  and Santander and I am just receiving a closed account with a balance Santander has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.
I was a victim of Identity theft in XXXX 2014. A credit card and debit card was opened under my name through USAA. I called USAA and had the account flagged. I gave USAA a passphrase in case I needed to unflag the account. They never wrote down the passphrase. 

In XXXX, I needed to unflag the account. When I called USAA, they said that they needed to authenticate me and it would take a couple of days. They said they would call my number in 48 hours. They never contacted me. Due to XXXX, I had to wait a couple of months to get back in contact to unflag my account. 

XX/XX/XXXX, I called USAA to unflag my account, and this time they asked to authenticate me by a phone number. The phone number on the account is incorrect, and I was told that in order to change it, that I needed to log in on USAA.com to change it. That would work, but my account is flagged, so this is impossible. I was told they would escalate my issue with a back department that would call me back in 24 hours. This never happened, and every time I called over the next XXXX weeks, I was told the same thing. 

I finally decided to go to the USAA XXXX page to see if I could get better support from them. A lady named XXXX called me saying that I should call her extension to get the problem resolved. However, when I called USAA again, I was told I had to be authenticated to be able to contact her.
I first disputed this account with the 3 Credit Bureaus beginning XX/XX/XXXX-XX/XX/XXXX & after many attempts of disputing this account with the Bureaus only to get results stating that they verified this account & that the furnisher State the account was reported accurately I decided to move forward with my disputes with the company. So in XX/XX/XXXX I sent XXXX XXXX XXXX/CAR-MART a letter asking for documentation of paperwork that says I owed them a Debt for this account & in return they sent a letter stating that they were unable to verify this account & needed more information when in the letter attached I submitted what information was on my Credit Reports with the Bureaus. So during XX/XX/XXXX I sent XXXX XXXX XXXX/CAR-MART a Debt Validation Letter only to get a response stating that they dont provide general validation of account information or account statements so @ this point I decided to move forward with a complaint to enforce a Validation of this account reporting on my files with the Bureaus.
XXXX/XXXX/XXXX I am a person with a long history of never having a balance on my credit cards - paid in full every month with autopay - and a credit score over XXXX when I do not have multiple credit cards activated. 
Imaging my surprise when my new credit union denied my credit card request. We looked at their database and their was an unrecognized credit card with an unrecognizable Citibank credit card charge. I have never knowingly opened a Citibank credit card!!!! 
Thus began my many month odyssey through unhelpful, disrespectful, phone call transfers, endless holds and wait times and dropped calls, repeating the story ad nauseum, requesting information, being interrogated without getting answers to my questions, excessive attempts to get needed information. 
First call to the phone number the credit union gave me which was Citibank. 
- unhelpful, said that account was closed, and it was with a collection agency, gave me collection agency # - Called collection agency, received no assistance, was told they had closed the account and refused to tell me where it was. 
- Called Citibank back after several weeks of intermittent calls I finally got Citibank to tell me it was a charge from Home Depot ( HD ) and that they would send me statements from the charge so that I could determine whether or not it was a fraudulent charge. I was told I should call them back after I reviewed the information to determine if it was fraudulent or not - Called Home Depot and was told I have XXXX balance and was in good standing. 
It took about one month for statements to arrive from Citibank. 
This is the info I received from Citibank this XXXX week of XXXX XXXX : Statements from Home Depot : - All statements were addressed to a physical address that never receives mail - not my correct mailing address - 1st statement : Payment due date XXXX/XXXX/XXXX - Last Statement amount more than triple original amount From my determination this was likely a purchase I made on a new HD credit card that the cashier promoted with a discount for that day 's purchase. I do n't think it was fraudulent as it occurred at a HD where I shop off and on and have had previous account with HD there. 
Note that from the original purchase sometime possibly XXXX XXXX until I received the multiple times requested info from Citibank the XXXX week of XXXX XXXX I had received NOTHING in the mail from HD or Citibank or the collection agency. NOTHING MEANS NO CREDIT CARD, NO STATEMENTS, NOTHING FROM A COLLECTION AGENCY INFORMING ME THERE WAS A PROBLEM!!!! 
During XXXX I believe I had been receiving disruptive calls, but refused to answer questions as the caller refused to tell me what it was regarding so I assessed them as spam calls and attempts at identity theft These calls were likely from the collection agency. I was never mailed information from the first collection agency : according to law.
Seterus has been stringing my along with a loan modification since XX/XX/XXXX. All documents were received and the trial payments were complete. They informed me my Quit Claim Deed was invalid, because my ex-spouse ( who filed bankruptcy ) signature is not on it, but rather his bankruptcy trustee signed the deed on his behalf because he surrendered his rights to the property. The bankruptcy trustee has the authority to act on the ex-spouses behalf. I purchased his shared of the property from his bankruptcy trustee and a new deed with only my name was recorded in the County and at the Bankruptcy court. 7 months later and Seterus has still NOT approved the modification and found every excuse to not move the modification forward .I contacted XXXX ( XXXX ) to assist with an affordable loan modification on XX/XX/XXXX and ALL documents, RMA application, pay stubs, XXXX, hardship Letter, utility bill, HOA statement were all sent in to Seterus, I even signed the third party authorization to allow the rep from XXXX to communicate and negotiate an affordable mortgage for me. I also contacted XXXX to make a complaint against Seterus. XXXX is completing an investigation. I recently received a letter from Seterus stating my escrow account had a surplus and because my account was delinquent, the funds would be held. Seterus had to respond to my complaint w/ XXXX , and now Seterus is stating that I need to pay {$4800.00} for escrow shortage, if I want them to honor the OLD MODIFICATION that was submitted in XX/XX/XXXX. How do I go from having an escrow surplus for nearly {$1800.00} to a {$4800.00} shortage?? XXXX submitted a mod packet on my behalf for an affordable mortgage and affordable payments but Seterus has NOT replied to the XXXX modification package that was sent on XX/XX/XXXX. All supporting documents were submitted and Seterus acknowledged receipt of ALL required documents. Is there a timeline where the mortgage company has to reply to XXXX proposed modification packet? It appears that I have not been able to get any concrete answers or responses and would like help with expediting the XXXX modification.
I have a title loan with XXXX XXXX and I have been trying to pay it off by making larger payments. They way they structure their loans and limit your payment options it is almost impossible to pay off the loan. I borrowed around XXXX a year ago, and so far have paid well over XXXX to them- but my balance is still over {$3000.00} I cant even give actual amounts, because their customer dashboard only lets you see what payments you made, not the balance owed. 

This month, I paid them {$1000.00} to get the loan up to date because they said I was behind a payment. The next week I wanted to pay {$600.00} toward the principal. I called them, abd they said I couldnt do it online, or on the phone because they can only take 2 payments a month that way, and since my last payment was XXXX they were counting that as two payments. They made me go through XXXX XXXX ( which charged a hefty fee for payment ). 

Today I looked at my account, and even though I called them in advance, and marked on the payment through money gram that it was to be applied to the principal- they applied it toward my next payments due ( on XX/XX/18, and XX/XX/18 ) which means that most of it again went toward interest. They now show me having a next payment due in XX/XX/2018. 

I cant see how I will ever be able to pay off this loan, if every payment made gets applied to future payments. They are taking interest they are not entitled to take, and keeping me in debt by refusing to allow me to pay off this loan.

I would like someone st the CFPB to review my case and see where this has happened, and how much I should really owe at this point so I can get this paid off. I am not rich, and I have to sacrifice in other areas to make these additional payments. I deserve for my extra payments to be used to pay off the loan. 

There are many others who have similar complaints. I would like the CFPB to look into loan marts practices, and force them to work with consumers to reduce the balance on their loans when additional payments are paid, and to be more transparent in displaying the loan balance. I shouldnt have to call each time to ask for the balance on the account.
Every time I make a payment over {$240.00} on my XXXX XXXX Barclay 's business card it is credited to my account by not available for up to 2 week. It looks like Barclay 's is punishing customers who pay down their cards for doing so. 
They are able to release the payment every-time after a phone call that consists of having to type in my card number my zip code then listen to 2 minuets of recorded balance information util I can then push XXXX more codes and finally get to a representative to have to give them my date of birth and last XXXX of my SS #.
I signed a Parent Plus loan for my son back in XX/XX/XXXX and XX/XX/XXXX. He needed the money for living on campus. His tuition was pretty much paid for through federal loans, and it is a state school so it was a little more affordable. The problem is is that someone went online and signed my name for 5 additional loans! I told Navient ( my server ) that there is no way I would have agreed to those additional loans. Apparently, everything is done online and they just need your initials to approve on it. However, not only would I not have agreed to more loans ( as I 'm a single mother that makes around XXXX a year ), I was dealing with a foreclosure on my home at the time. I could n't even qualify for a loan for my daughter around that time when she applied to college. I did n't think I could qualify for any additional loans. Navient claims that I could have " less then stellar credit to apply '' ( their words ), yet I did n't have credit at that time. Now, I 'm trying to make a fraud charge, yet I ca n't seem to reach that department. I agreed to pay the first two loans as that is something that I agreed to, but I ca n't pay for what would amount to around 100,000 dollars. My question is why did no one call me to see if this was something I would agree to? I think a telephone conversation should have followed up with a loan agreement. Would n't it be considered a red flag if you sign so many loans in a given time? I feel like there are not enough checks and balances and protections for co-signers? I 'm really not sure what to do. I may not get out of paying the additional loans. I really need some advice.
XXXX XXXX XXXX XXXX I have repeatedly requested from Transunion Credit Bureau, XXXX XXXX XXXX XXXX PA XXXX, to provide me with a VALIDATION for bankruptcies that are being reported on my credit report, Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. I have sent them several letters regarding this issue and they have yet to provide me with the validation required. The County Recorder of Deeds and the Bankruptcy Courts have also reviewed the Public Record section youre your Transunion Credit Bureau. They both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never  validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX
I am starting to repair my credit to try to become an homeowner. I noticed that I have several inquires for finance companies, look like car dealerships. I have NEVER applied for any type of car loan. I have sent XXXX, XXXX and Transunion over 2 months ago and no response. This is really frustrating. Every time I reach out to the bureaus, I get someone from another country. I think my information was accessed during the breach. Can you please help me rectify the problem.
I was not able to get online to see interest that would be added to my account because when I signed up for the card it chose evil. XXXX came around without any notice from anyone knowing I could not get online and I was having to make payments over the phone a {$200.00} interest rate was added. I feel like customer service should have informed me bacauae I had no other way to be informed of the charge that was goingg to happen,
I RESIDE IN WISCONSIN ; XXXX COUNTY. FREEDOM MORTGAGE IS REFUSING TO PAY MY XXXX PROPERTY TAX PAYMENT ON TIME. THE FUNDS HAVE BEEN PLACED IN ESCROW OVER THE COURSE OF THE YEAR AND FREEDOM MORTGAGE IS REFUSING TO RELEASE THE FUNDS TO ME OR THE TOWNSHIP WHERE I RESIDE. I WAS TOLD IN XXXX THAT THE TAX CHECK WOULD BE SENT IN THE MAIL DIRECTLY TO THE TOWNSHIP ON THE DUE DATE OF XXXX. ON XXXX MY WIFE WAS TOLD BY A FREEDOM MORTGAGE REPRESENTATIVE THAT THE PAYMENT SHOULD HAVE BEEN MADE BY XXXX. FREEDOM MORTGAGE IS NOW STATING THAT THEY NEED TO INVESTIGATE WHY THE TAXES WERE NOT PAID BY XXXX AND SAID INVESTIGATION WILL BE COMPLETED ON XXXX. FREEDOM MORTGAGE IS STATING THEY WILL PAY THE ADDITIONAL LATE FEES AND OR PENALTIES ASSOCIATED WITH THE LATE TAX PAYMENT. THE LATE TAX PAYMENT WILL HAVE A NEGATIVE AFFECT ON MY WIFE AND I CREDIT SCORE/RATING. PLEASE HELP.
I am one of the 143M Americans whose credit information was compromised by the recent XXXX  data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information.
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.
US BANK Inquiry Date : XX/XX/XXXX US BANK CONSOLIDATED inquiry date : XX/XX/XXXX-XX/XX/XXXX I have never applied for US BANK on this dates, us bank consolidated put 2 inquires on 2 different days and us bank 1 one inquires on mentioned date, i never gave permission to put inquiry on my XXXX report.
account taken over and breach of contract, with eLigible baLance kept after cLosing acount, ruLes that no charges on the account in event of IDtheft, but was ignored and impLied my family maybe invoLved? plus gave it to third party!
Allied International Credit Corp sent a letter claiming I owed {$50.00} on an XXXX account and asking for payment. They claim previous attempts to resolve the issue, but it 's the first I 've heard of it.. They provide no details of the alleged transaction, and in fact I 've never used XXXX. It seems like a scam.
XXXX with other party responsible for medical bills- underinsured motorist had to take over due to other party not carrying enough coverage for my medical bills- other party at fault. My XXXX underinsured motorist policy had to take over. Medical bill of {$250.00} paid to XXXX directly. Due to suborgation with XXXX and lack of enough coverage amount, there was delay. however, this bill was paid by XXXX prior to collections but not recorded as such. Never delt with collections agency at all. Please remove
On XXXX Ocwen Loan Servicing applied an " inspection fee '' in the amount of {$13.00} to my mortgage balance. This amount was added to the regular monthly statement on the XXXX statement. 
I phoned Ocwen on XXXX. I spoke with an agent and asked for documentation showing that I had agreed in writing to be liable for this charge. Several letters and many phone calls have been exchanged since my initial call on XXXX. To date, Ocwen has neither provided me with documentation proving that I am liable for this charge, nor have they honored my repeated requests to remove the charge from my account.
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX XXXX # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXX would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

Attached is my credit report. my License and SS card and my dads license and SS card
My name is XXXX XXXX I want to file a complaint do to the fact someone has opened a credit card in my name and used up XXXX dollars in a XXXX XXXX card, and none of the companies want to give me the information that I found on XXXX to check my score. And found a card that I did not open, that someone else has opened in a XXXX XXXX credit card I would like to press charges against that person .I also would like all the information about what, were, how, and who, was this person so I can make a police report. And they will not give me the proper information to do what I need to do .so this person will get caught .I would like to know why I can not get all my information on the card that was opened in my name .and why XXXX XXXX will not give me my own information .that someone else used, they told me not to worry about to let it go, Please call me if any???? XXXX XXXX at XXXX