WillisBack/dataset-financial-user-claim huggingface dataset:
Navient has been the servicer of my student loans. ( Just today, I completed an agreement with the XXXX XXXX XXXX XXXX to consolidate my loans and change to a different lender, so I am not sure where my status will be when you get this. ) On the Navient website, when I look at my account, loans are listed that have been paid off by me, but are NOT loans that I took out. They are listed as XXXX XXXX of XXXX XXXX. I have spoken to Navient about them on multiple occasions, with no satisfactory resolution. The responses I have gotten include 1 ) getting disconnected on the phone when they tell me they are getting a supervisor ( This has happened so many times. I have made them promise they would call me back if we get disconnected. They never ever do. ) 2 ) Sending me copies of a promisory note that has nothing to do with XXXX 3 ) Telling me they will look into the matter and let me know in 7-14 days. They actually CALLED ME today ( first time! ) in response to the comment I made on their " survey at the end of the call '' regarding contacting the Bureau of Consumer Protection. I explained my probelm. It sounded like they were taking good notes. This time they said they saw the problem and would send me a response in the mail in 7-14 days ( response # XXXX above ). She said it could be a computer input error. I want to know how I can get my student loan payments audited to find out if my payments have been applied appropriately - maybe there have been other " computer input errors ''. I took these loans out about 30 years ago and I think I STILL owe more than I originally borrowed! How do I know my payments have been correctly applied? How do I know the interest has been correctly calculated and applied? How do I know if these are really all my loans? I have a low level of confidence in Navient 's integrity and quality control. I selected " Federal Student Loans '' on this complaint process, because the loans I have taken out have been federal, although I do n't know what the XXXX. of XXXX XXXX is - probably private, so I hope I am routing this to the correct department. I am attaching screen shots of what I see in my account on Navient 's website, as well as my XXXX XXXX XXXX from XXXX. How do I get my student loan history audited??
I was contacted by LoanDepot.com , LLC and advised that I could refinance my VA loan with no cost to me. The representative went on to say that it is like contacting the bank and simply negotiating the interest rate down through a new streamline refinance program available to veterans. When I was uneasy about considering an adjustable ARM, he went on to say that if the rate goes up, I can simply use the streamline program to refi again. He even thanked me for my commitment and service, which, reflecting back, sickens me to think they boost up veterans like this only to take their money. The representative sent a link to the financial documents and all we had to do was review and accept them and they would process the loan. While reviewing the documents, which were received on XX/XX/2018, I noted that they tacked on almost {$15000.00} in fees and closing costs. I called the loan officer, XXXX XXXX XXXX  ( NMLS : XXXX ) and inquired about the additional cost. Like a good actor, he told me that he would need to get with the other representative ( XXXX? ) because something was not done correctly. He went as far as to state that " we can not include additional fees onto VA loans. '' XXXX XXXX  called back onXX/XX/XXXX. stating he fixed the fees and wanted to go over the documents on the phone vice doing it online as before. I was at an engagement so I called him back on the morning of XX/XX/XXXX. While reviewing the loan proposal, I noted there were no fees ; however, the loan amount was for {$240000.00} and I only needed {$230000.00} to refinance. When I told XXXX XXXX that I was not borrowing an additional {$13000.00} and that I just wanted to refinance under the original terms we discussed, he finally told me that the deal is that there is " no out of pocket, '' but that there would be additional charges. I told him that his company was being flat out dishonest to consumers and that I would not do business with them. He actually agreed that the other loan officer was dishonest with us. I can't imagine how many retired military members get suckered in to these scams and it should not be legal. The loan number is XXXX  and they did send me a loan package after the fact, which I can provide. I think they only sent me the loan docs to cover themselves since I told them I was reporting their tactics to the FTC. I am also available to answer any other questions you may have.
I paid an account off in   XXXX   XXXX    , with the resold buyer for this account Care Credit. I received a letter from both the new owner of the account and SYNB on   XXXX   XXXX  , that this account will be removed from all 3 credit bureaus. Since then, I run my credit once a year and every year, the  SYNB/Care Credit  remains, I dispute at that time and counter dispute, along with providing them with the letter they sent to me to remove. Sychrony Bank always kicks it back to the bureaus as a valid report. This year I decided to contact the company directly to have this removed since they continue to deny the removal from my disputes with the credit bureaus. I started this process on   XXXX   XXXX  , with  Sychrony  Bank, I provided SYNB the same letter that I have sent to the bureaus. They have acknowledged this should not be on my credit reports. I have contacted Sychrony around  10-12 ti mes requesting an update and have been hung up on, told they can not help me, or that  XXXX   XXXX  or  XXXX , will be giving me a call back. I have not received any updates or call backs, and this account is still listed on all credit bureaus. Please assist in removing this from my credit reports it has been falsely reported for over  2  yrs now. Thank you
I previously sent a dispute for this company to provide me with documentation showing how I owed this debt and they only updated the XXXX credit bureaus with a statement that it is validated. I would like to know how this company verified the debt as being mine and what methods were use to verify the debt is mine. If they can not provide me with this information in a timely manner, this debt must be removed and updated with all XXXX credit bureaus
On XX/XX/XXXX I received a notice for an alleged debt owed of {$600.00} to XXXX. This alleged debt I have previously disputed several of months ago and have yet to received validation. ERC ; please produce proper validation. If proper validation can not be produce in accordance to the FCRA then this alleged debt can not be reported against my credit bureau.
There are unauthorized hard inquiries on my credit report that are tremendously affecting my credit the inquiries are from the following companies XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 and XXXX XX/XX/2018
In  XXXX   2017  I was mislead into paying a past credit card debt for Fifth Third Bank. I agreed to pay the settlement amount if this would be removed from my credit report. The representative assured me that the charge off would be removed from my credit report within 30 days. I have contacted fifth third bank several times and have been treated unprofessional and told this could not be removed. This charge off on my credit report is negatively affecting my credit worthiness.
Never have received any bills in the mail so Ive never known what day my bill is due or Ive never received any online so I recently switched to paperless there are several charges up XXXX XXXX XXXX in Texas and I live in XXXX and they were also some XXXX purchases in late fees were on there and I never got a bill so how my supposed to know when its due to pay I dont believe I should pay the late fees if I dont get a bill. There is also a huge charge of {$360.00} or around that amount to someplace called XXXX. I didnt do any of them.
XXXX foreclosed on our house XXXX XXXX. XXXX delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the XXXX delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX.
I had previously filed a complaint ( # XXXX ) and it is now closed, but I feel was closed incorrectly and under false pretenses. 
I was contacted by Ameritech financial over 2 years ago about having them help me to consolidate my federal student loans and submit the paperwork for loan forgiveness. Since XX/XX/XXXX, I have been making monthly payments to them every single month with the expectation and impression that they would be forwarding the payment to my actual loan service. I received a document from the USA Federal Trade Commission stating that the payments I've been making are not being and have not been submitted to my student loan service, and that I should contact them to cancel as well as request a refund. I attempted to contact them via customer service phone number and after 3 minutes of being on hold- a busy signal comes on and the call hangs up. I attempted this 5 times.

I then called the FTC phone number and per the recording was prompted to contact the XXXX to file a claim since I was not able to reach Ameritech directly. After I filed this claim, the company called me. The man I spoke with tried to tell me that Ameritech was counter-suing the goverment and XXXX has a lawsuit also. At the end of the day, I don't care about the lawsuits. What I care about it that, for the last 2+ years, I have been under the impression that I have been paying on my student loans, but I actually have not been. 

I was told by the Ameritech representative that i would have only had to pay {$850.00} for them to complete my paperwork from day 1 until the loan forgiveness were to take place. Why was this not told to me from the beginning? If i had been told that from day 1 then that is what i would have done INSTEAD of paying the other {$2600.00} that I ended up paying. 

If Ameritech is going to continue to process my paper work, which is what they have stated in the closed complaint ... that service only cost {$850.00}, which I have paid 4 times over. 

I want my remaining {$2600.00} back. I was NEVER told about the " membership '' that they allege that they offer. The whole thing seems like a scam and even more of a scam now that they try to push blame back onto all of the other companies who are also having lawsuits. 

I have made the following payments : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} Those payments total {$3400.00}. The services that I have been receiving only cost {$850.00}, and according to the man i spoke to from Ameritech, that i will continue to recieve. Therefore, I want my {$2600.00} back since I was NEVER told that it was for anything other than going towards my student loans.
I have been harassed by chase bank since XX/XX/XXXX on a {$1000.00} debt that I do not owe! I tried to resolve their mistake in XX/XX/XXXX with suprv. XXXX # XXXX, who I finally gave her the last XXXX digits of my s.s. #, she apologized, & claimed I would not be bothered again.On XXXX/XXXX/15 I got another call on this same issue I explained they have the wrong XXXX XXXX, I have no debt ( home, cars are all paid for I have an XXXX fico score ), I am XXXX w/ a XXXX awaiting XXXX, & I do not need this stress from Chase bank, who claims they are calling on behalf of Best buy. Can someone help me to resolve this harassment/stress. thank you XXXX XXXX
Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????
Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was  XXXX   XXXX  which has sent been bought out. All insurance and co-pays have been paid in full.
Asked them to validate the debt, they only sent copies of a bill claiming its mines but it's not! They're not sending me of what I've asked, which is signed documents by me. They still cant/dont have proof its mines.
I received a letter from rent recovery solutions, XXXX stating that I owe the {$300.00}. I requested debt validation from them and they are sent documentation for an apartment that I never lived in. I then sent another letter for the debt validation and received a letter with charges on it. 

I did sign a lease for the address listed, but the apartment was infested with roaches and I moved out before a week and there was no damage to the apartment. Now that they can not validate the debt they are modifying what they are sending. 

This is not debt validation and they have not and will not provide it.
Please add this information to [ Case number : XXXX ] ; On XX/XX/XXXX I spoke with a Bank of America Regulatory Representative and still very dissatisfied, first the regulatory representative claimed the 20 minute wait after a restriction has been removed from their card does n't exist, yet the representative from their Security Fraud advised me on XX/XX/XXXX there is a 20 minute wait time after they remove the restriction from their accounts and any transactions made prior to the 20 minutes will automatically cancelled. After speaking with her and I then requested to speak with her manager and received a call from this Manager who she identified herself as VP. She had so many inconsistencies with how she was explaining what happened, first she claimed they could n't locate the calls, then a few minutes later she claimed they had n't reviewed the calls and was disputing everything, which was told me by the fraud department. I do n't know why they ca n't locate the calls being that the calls were made via using the Bank of America Mobile app ; also, she tried to coerce me into signing Merchant transaction dispute, but claiming their investigation was still pending and also claiming the transaction was processed and paid on XX/XX/XXXX, which again goes hand in hand with their poor accounting practices ; on XX/XX/XXXX Bank of America, claimed the transaction was never processed and cancelled due to being marked as duplicate charge. I explained to Bank of America, this the Financial Institution, I trust with my funds each month and I come to regarding transactions, and not only did one of the representative, provide me with inaccurate information, but it was multiple representatives and Bank of America needs to be held accountable and take responsibility for their poor customer service, as a Business this is not acceptable, I trust them with my monies and no I will not file any merchant disputes at this point in time, because this is n't error on my part or the merchant error, Bank of America solely caused this issue. On XX/XX/XXXX, I contacted my merchant by email and explained the transaction had been cancelled by my Bank due to them flagging is as fraud and proceeded to place a new order for XXXX, I then had 2 transactions of XXXX debited from my account and at this point and not disputing any charges with the merchant. Also, when Bank of America contacted me regarding my Complaints filed, I did n't know if it was fraudulent company, because the name of the company shows on the caller id as a XXXX XXXX XXXX and when I contacted the number XXXX, it also states this is name of the company and only the representatives state she was Bank of America representatives.
On XXXX XXXX, I submitted an application for a new business credit card with Chase and received an email that included the following : " We 'll let you know of our decision through U.S. mail within the next 30 days. Please do n't resubmit this application while waiting for our decision. '' On XXXX XXXX, I finally called the customer service center and was informed that the application was denied. No explanation was provided and I have yet to receive any communication from the company. This is unacceptable for a small business start up.
This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. This is also my wifes not mine. XX/XX/2015.
Bank of American charges interest on on purchases which are paid XXXX % on or prior to the due date & even when set up to autopay on due date, they pay a day late ( to themselves ) & collect interest. Most months I carry no balance forward, yet they charge me interest monthly & only retract the charges when I complain. The next month, it starts again with 18.74 % APR. Other credit card companies/banks like XXXX or XXXX do not do this under same circumstances.
I received a letter from XXXX XXXX XXXX  the end of XX/XX/XXXX about a check cashed at a XXXX in XXXX TX on XX/XX/XXXX. I wrote back and sent the first letter Ceritfied Return receipt mail, I have received the proof they got the letter on XX/XX/XXXX and they sent back a collection letter with a copy of a receipt from the XXXX and some forms I refuse to fill out as they have no right to that information and have not shown proof this is my debt and there is no way in XXXX or Earth that it could be. The signature was a squiggle and unreadable, there was nothing else that showed a name, address, or any identifiable information on the copy they sent and no proof that it could have been mine. I also was in Indiana on that very same date at work, I do not even have a checking account, and I have witnesses that can prove I was nowhere near Texas. I sent a reply and I again asked them to stop all contact, as this was definitely not mine and told them why. But they sent more collection letters, so I sent two more dispute and stop letters to them XX/XX/XXXX telling them why it couldn't be mine again. I have received one of the two return receipts back on XX/XX/XXXX signed as received on XX/XX/XXXX. I have now received another letter on XX/XX/XXXX stating they will not investigate or acknowledge it is disputed unless I send them my banking information and file an Identity theft form with them, that asks for a lot of personally identifying information. I will not send any of this, as they have not shown me how they came to think this is my debt, they have not shown how they verified this, and I do not have banking information for a checking account to send them anyway. TRS is ignoring the cease and desist dispute letters, and refusing to send the proof that they have verified this is my debt. I want them stopped and this cleared up and to make sure they don't attach a debt that is not mine to my credit report. I have seen too many complaints on TRS about them misusing the information sent to them also, and I do not want to take that chance, and since they are not following the law I definitely do not trust them.
I have sent multiple letter to XXXX, XXXX  and also to Midland Funding who say i owe them which i do not have any type of contract or agreement to pay them. I have tried to get them to verify the debt, but they could not do it and XXXX  and XXXX  say it is true, but XXXX has taken it off since they were not able to verify it. And i have sent them certificated letters tiring to verify it but the would not send it or i would have to call multiple times to get them to send me something which they was not going to if i didn't talk to a manager there. Also the amount that they say i owe them is different than what is on the credit reports. Along side that they did not send me any contracts they sent me a copy of a bill that is not mine since it is not made out to me unfortunately I am a XXXX and XXXX XXXX is my father who has passed away.
1. In XX/XX/2018, I applied for a Citi Double Cash Mastercard online. 
2. I received an email from CitiCorp told me I was approved and I would be receiving my card in the mail. 
3. After I received the card, I was given instructions on how to activate it. 
4. Citi failed to activate the card online or by phone calls to an tollfree customer service number. I tried this several days in a row. I was told each time that they needed additional info, but they could not divulge what that info was. I was to receive a letter telling me what they needed. Bear in mind that email told me I was approved, and I wa sent the card, but they refused to activate it. That is misrepresentation and consumer fraud. 
5. When I received that letter, it asked for me to submit a Social Security number verification form ( SSA-89 ). I was alarmed they asked for this, as I have never in my 59 years of life asked to prove my identity or SS # with such a form. Naturally and immediately I wondered if another person was using my SS #, so I ordered my free annual credit reports to view whether there was any indication of fraudulent access. 
6. After receiving these reports, I saw that there was no indication of fraud or access, and my credit history and rating was perfect. That's right, perfect. Not one late payment or unrecognized credit line, card, etc. 
7. XX/XX/2018. I called Citi customer service expressing my outrage that they've put me through this scrutiny, that I viewed my credit reports and there was no questionable info or indication of fraud, and so I resented them refusing to activate my credit card and asking for proof of my SS #. The rep then said there was an alternate method they could use to activate my card. She would text a code to my cellphone, and I would confirm that code once I received it. So we went through that protocol, and my card was activated. Because the alternate method of activization and verification of my identity was used, I was told that the SSA-89 was no longer needed. As in all communications, Citi has records of customer service calls and emails. This is precisely what I was told. 
8. I immediately started using my card and paid off -- in full -- the balance before the first bill was due to reemphasize my credit-worthiness. 
9. Later, my wife was added to the account and received a card and activated immediately with no request for additional info or an SSA-89. We continued to use the cards. 
10. On some date between XX/XX/XXXX and XX/XX/2018,  our account was closed arbitrarily by Citi without us receiving a prior alert or warning by phone, mail or email. I found out on XX/XX/XXXX by having the card rejected at a retail register checkout, causing embarrassment and anger. Furthermore, Citi closing our account may have damaged our credit rating!