WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 Navient attempting to collect a student loan debt. I am listed as an information contact on my husband 's student loan. Navient used the whole day to contact members of my family who have nothing to do with the loan. They called at least 4 family members that I know of and possibly more. This was very upsetting to them and it was an invasion of my privacy. When I called in to tell Navient to never contact members of my family again I was met with pauses and aggression. All they could tell me was it " probably '' won't happen again and the people would have to contact them to get their names put on a do not call list. When I told them the law and how they were not allowed to give 3rd parties any information that would indicate that the call was about collecting a debt and that they weren't allowed to call them more than once, they told me they didn't break any laws. They identified themselves as Navient on the voicemails ( 2 of which I still have as well as a recording of the conversations today ). I asked them to give me an example of what else Navient would be trying to contact someone about other than to try to collect a debt and they were unable to even give me one example. They also told me in order to get names put on a do not call list you must own the phone. I do own two of the phones, but they never went through the process of putting the numbers on a do not call list. I was also told that there wasn't a do not call list by a supervisor. I spoke to 3 people and no one there could tell me what the law was regarding calls to a 3rd party. They just threatened to end the call when they didn't have an answer. My family felt confused and harassed by being called about a matter regarding  someone they have nothing to do with. My family wishes to never be called about this matter again in the future or they will continue to take actions like this or more serious measures. My husband JUST made a payment to Navient on XX/XX/XXXX, so he's not even 2 months behind and these phone calls were harassing.
On XX/XX/XXXX, XXXX XXXX XXXX posted XXXX $ for collection on XXXX and XXXX. Dispute is in progress with XXXX  but at XXXX, I cant even verify its me. It says i have autoloans i opened, mortgages and student loans. I answered truthfully with none of above and they say the information is incorrect! Theres hard inquiries on XXXX as XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX.
My Mortgage Company, Ocwen Loan Servicing, has completed my escrow analysis based on erroneous Information. The analysis stated that I did not have flood insurance, when in fact I do, through XXXX XXXX XXXX XXXX XXXX ( as of XXXX XXXX, 2015 XXXX. I have provided proof of insurance via email/fax and have proof my mortgage company received the updated report. Ocwen is insisting I continue to pay the significantly increased mortgage escrow XX/XX/XXXX which I can not afford. I have explained the situation and shown proof of insurance, however, they insist I will go into foreclosure if I do not pay the amount they request. 

It seems to me they want me to go into foreclosure and are unwilling to assist. I will also note that my original loan was with XXXX and was subsequently sold ( unbeknownst to me XXXX to XXXX. 

I do not clearly understand how I can be charged for something I did n't request and already have from another carrier. This is theft in the worst way. I am a minority woman raising XXXX children on my own. I hold a full-time job and all of my children are in school - how is it possible that a mortgage lender can blackmail me in such a way?? 

Please help! 

Thank you.
My complaint is with Capital One Bank. I'm continuing to receive fraudulent charges on my account. Since XX/XX/2018, I have received 6 new accounts with 6 new credit cards issued because of this. I'm a victim of data breach by Capital One. The fraudulent charges are from subscription services that were never authorized. Capital One states that Visa/Mastercard has an agreement with merchants for subscription services to continue to give updated card information. What about the agreement with Capital One and Visa/ Mastercard , with protecting the consumer? My account has been compromise 5 times, with 6 new credit cards giving to me in 3 weeks. I'm also concern about my credit due to this. Capital One has refunded the charges and sent letters to me on all the accounts that the dispute is resolved, and it won't happen again. However, it continues to happen. It is giving me anxiety, stress, discomfort and it is time consuming to have this continue to be unresolved. It isn't my job to contact the merchant, if the charge is fraud. It is Capital One 's job to contact the merchant. With it happening 5 times and 6 new credit cards, issued to me by Capital One in 3 weeks, it should be flagged for a fraud investigator to look into this matter, personally. On XX/XX/2018, I spotted another fraud charge, and I had Capital One fraud department contact the merchant with me on the phone. After questioning the merchant with a Capital One Fraud Investigator on the phone, It was told to me by the merchant, that Capital One, never called them or sent them a letter to find out why the merchant charged my credit card account. Capital One 's fraud department isn't doing any investigation on fraudulent activities, they are sending out letters that the problem is resolved, in reality it keeps occurring. All consumers need to be aware, I was told that when a credit card is sent by mail from Capital One, the activation only protects the chip. If someone gets your mail, they can use the account number, expiration number and the security card, without the card being activated, a few times they sent a credit card to me and it stated no activation is required the account is ready to use, which I kept the letter the credit card was sent with, why send cards out this way if fraud is reported on them, this is a problem by Capital One Bank. It would only be fair for Capital One to provide credit protection by all 3 credit bureaus due to this mishap on their part. I want to be assure this doesn't effect my credit, this doesn't happen again, and my account is personally handled. Seriously, as a consumer I have broken all records, receiving 6 credit cards in 3 weeks, wow. If this continues, the media will be involved. Consumer accounts compromised - DATA BREACH BY CAPITAL ONE BANK.
On XX/XX/XXXX Wells Fargo closes both of my Checking and Savings account that held over {$2000.00} due to suspected fraudulent activity and did not notify me the reasons only until I called their fraud department. The issue was somebody who agreed to send me {$1500.00} for bitcoin had reported on XX/XX/XXXX that I somehow committed fraud when I had indeed sent {$1500.00} in bitcoin days after. I sent the conversation by fax to their department and have been in attempts to contact the person in dealing. Wells Fargo has told me it will hold the funds and account closed for at least two weeks until the resolution is investigated and resolved. Meanwhile I can not pay rent today, phone bill, buy food to eat, etc. even though I have not been proven guilty nor innocent. I have been with Wells Fargo for almost ten years and have never committed fraud so I dont believe this is warranted. I believe they should at least release rest of my money and hold the {$1500.00} which is being disputed until resolved.
On XXXX XXXX my husband got a call from Ditech Mortgage that our payment was 111 days past due and we are in danger of foreclosure. I called to ask them what are they talking about and 3 days later after spending numerous hours talking to different very rude people it was explained to me that in XXXX of XXXX a check for {$2400.00} was credited to my mortgage. Ditech entered this amount twice. They had an audit in XXXX saw the error and their way of correcting it was to take my XXXX payment. I also was so far ahead on my payments that my XXXX statement said my next payment date is XXXX XXXX so the money they had to cover XXXX and XXXX they took that money as well. When this was explained to me I told her there is no way this could be legal because those were my house payments and now youre threatening foreclosure. She said they are willing to make my payments for the next year {$760.00} instead of the {$620.00} we are supposed to pay. It was their mistake and they fix it by putting a horrible hit on my credit score and a finically burden on me. Is this legal? Can they just get away with business practices like this?
I was denied SCRA by Lendmark Financial on two loans for two XX/XX/2018 XXXX XXXX XXXX XXXX in XX/XX/2018. I am an XXXX XXXX Service Member. I requested SCRA and the Loan Officer dismissed me.
Within the last couple of days, a company named Portfolio Recovery reported a collection account for {$1800.00} on my credit report. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I don't believe this account belongs to me, and Portfolio Recovery never gave me the opportunity to contest it before they reported it on my credit report. This is a violation of my rights under federal collection law.
Around 2006, I consolidated about {$3200.00} of student loans while attending college and working. University XXXX, which one of my student loans were through, added another student 's loan to my consolidated loan. 
I contacted the bank and Dept. of Education Ombudsman, after the total of my student loan account reached {$17000.00} of her past due student loans. They were added to my social security number along with her last name. I refused to pay anything until an audit was done on my account. I am still waiting. I want to return to college and pay off my student loans. 
The Dept. of Education did remove part of her loan amount. My wages were garnished along with past income tax refunds which never reflected on my account or who knows. I have requested for an audit and crickets. Please help me with this. I have proof of this incident happened, so please call me so that I can fax the sheet of paper to you.
Experian and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.
I have had the same mortgage payment since purchasing my home in XX/XX/XXXX. In XX/XX/XXXX I received a mortgage payment statement increasing my payment by about {$300.00}. When I attempted to call the lender it took three days to get in touch with anyone. Finally I was notified by the lender that I was sent an escrow analysis ( which I did not receive by mail ) and they have found there was an error made and for the past two years they have been not charging me enough PMI and now I owe the difference for the past two years, therefore significantly increasing my monthly payment. I can understand small increases due to insurance or taxes, but because of an " error somewhere '' I am now unable to afford my mortgage.
I called XXXX at XXXX Bank on XX/XX/XXXX and left a message. XXXX returned my call on XX/XX/XXXX and asked for screenshots of the reported balances on my credit report. I emailed the requested information on XX/XX/XXXX, called and confirmed they were received. I was told to give him a few days to research and he would call me back. However, I called XX/XX/XXXX to check the status and left a message for XXXX to call me back as I have not heard anything. This is a repeat issue Ive been having with this company.
To whom it may concern, My Step daughter XXXX XXXX was allowed by a franchised location of XXXX to purchase a new phone under my plan without my consent. For months I was forced to pay the premium insurance charges on my account in addition to the phone line. We I called XXXX and explained the situation they agreed to get that line and the phone out of my name. When the next month came, I noticed the phone was still on my bill. I called to complain and I was informed they could not and would not remove the phone from my name. I decided to move to XXXX. I tried to return the phone however XXXX refused to take the phone back. XXXX would have only help me pay the balance off if there was a number attached to the phone that I was moving to XXXX. Obviously that was not the case. I was not going to allow my step-daughter to have another line under my name. This balance is not my responsibility. I never signed for the phone and I was told it would be removed from my name. Please delete this from my credit.
XXXX XXXX XXXX, i am reporting Experian for reporting incorrect information because i have disputed XXXX XXXX several times and they stating the company is verifiable my account, so i called XXXX XXXX  again for the 6 x and a supervisor told me that my account is sold and they no longer have my account and that they have not been reporting to the credit bureau because they do not own that account no more, i ask why are they still showing on my credit they told me that i will have to dispute it with the credit bureau because they dont report on accounts they have sold to other companies that they no longer own
I have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXXXXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.
I received a payment from a sale and wanted to pay off my loan with SLS. I called them multiple times and requested a payoff statement ( was not even informed that they charged you for a statement ). 
I was not receiving their fax so I kept calling back and requesting the payoff statement. 
I finally received it and paid off the loan. 
I received a statement with multiple, odd charges, and was charged 6 times for a payoff statement on the same loan. 
I phoned 5 times, was able to get 1 of those charges reversed and was sent a check for {$25.00} When I phoned back wanting to speak with someone about reimbursing the rest of it, I was told I had to write a letter to XXXX I did so twice and never received an answer. 
I would like to be reimbursed for the {$100.00} in payoff fees and the charged {$18.00} in fees (? no  explanation of what they were for ) I feel they owe me {$110.00}
I contacted Citibank regarding my Home Depot Credit Card. We have been using the credit line heavily during the renovation of our home. I noticed that the interest rate on the card was at 25.99 %, and the amount of interest I have been charged as of my XXXX, 2015 statement was over {$3000.00}!! I almost died! My Dad has a Home Depot credit card and his interest rate is only 17.99 %. I have always made payments on time to the account and do n't understand why the rate that I am being charged is so high. I called Customer Service to ask if my account could be reviewed and if my interest rate could be lowered. The agent told me that a lower rate was " not available ''. I mentioned the lower rate on my Dad 's Home Depot account and said it was a whole 8 % less than the rate on my account, so how can that be possible? She said that this is how the account was opened and there is nothing she could do about it. I had the account set to auto-pay the minimum amount every statement, but realized that the amount of interest being billed was the same or more - for example, on my last statement the minimum payment due was {$510.00}, but the interest charged was {$510.00}, so at this rate I would never be able to actually pay down any principle and would be just paying interest unless I increase the payment amount to actually try and reduce the outstanding balance. With the interest rate as high as it is, it is very difficult and I am a victim of being stuck paying interest through my nose!! Since the interest amount is eating up ALL of my monthly payment, I do n't know how I am going to catch up and actually reduce the balance on this card which is around {$19000.00} at the moment. I feel like this is price gouging and very unfair!
The following insurance claim checks were mailed - unendorsed - with the appropriate documentation to Carrington. 
Check 1 : {$2200.00}, dated XXXX/XXXX/XXXX Check 2 : {$1300.00}, dated XXXX/XXXX/XXXX ( {$3600.00} total ) Check 3 : {$9900.00}, dated XXXX/XXXX/XXXX ( {$13000.00} total ) Check 4 : {$2800.00} dated XXXX/XXXX/XXXX ( {$16000.00} total ) Check 5 for {$2500.00}, dated XXXX/XXXX/XXXX, was mailed back unendorsed, stating the claim is over $ XXXX. However, the claim exceeded $ XXXX with the 3rd check two months ago in XX/XX/XXXX. I was not expected to endorse the first XXXX checks ; Carrington endorsed, returned, and I deposited and paid my contractors. I included the estimate, as previously required. But before now, no photographs were previously required ; no contractor bids/estimates were necessary, nor was an Affidavit of Loss Draft Claim needed.
Transunion and XXXX declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.
I reached out to them about the wrong information reporting on XX/XX/XXXX via certified mail. They received on XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to hear back from the company.The FCRA gives the company 30 days to respond. I have not gotten a response.
We have been with Nationstar for several years. We fell behind in our mortgage due to life situations ( roof leaking, house flooding, water heater breaking, refrigerator going up ). We have attempted on Several occasions to get some type of assistance from Nationstar. We have have mailed, faxed, documents for a modification several times over the years. We have received constant responses like we did n't get them, someone will call you and they never do. Recently we received paperwork telling us we needed to make a payment by XXXX XXXX or our account would go into foreclosure. When i called on XXXX XXXX the day i was paid they refused to allow me to make a one month payment. Even though we would not be 90 days delinquent until XXXX. They wanted us to make a payment of XXXX dollars. I even tried getting them to take the payment on XXXX and then schedule XXXX for XXXX and they refused. They told me to file another modification request if i could not produce XXXX dollars by XXXX. This time i uploaded the documents directly to their website and am awaiting a reply i we have many time over the years. Nationstar has not been a company willing to help you through the years. They sit back and wait to take your property. Each representative you talk to tells you something different and when you call no one is helpful in helping you resolve your issue. This company would not allow me to make a one month payment which would have kept my home out of foreclosure.
Went to lease a new Toyota Prius. The dealership made a deal without checking my credit report. They advertise XXXX+ FICO credit rating. My credit cards free FICO report showed XXXX+ on my statements, so I was n't worried. After transferring insurance and making the down payment, a person from the finance department showed up and said, we have a problem, my credit rating is less than XXXX. I asked ; which credit FICO or Vantage? His answer was ; Your XXXX. That is your credit, if you want the car the payment will be {$65.00} more.Being my insurance already transferred at that time, I decided I can pay for the new amount, but I still do n't think that is the right amount or that was the right way to make the deal. Also, I have a feeling they use, Instead of FICO, the Vintage credit score wich in most cases much lower, again Toyota advertises FICO!!!
I attempted to open an account and was denied via email. The so called customer service was evasive, unprofessional, refused to answer why. I was not provided any explanation after being on hold for half an hour and being on an abusive, obnoxious phone call. 

What an unprofessional bank.
I have re-aging accounts that are still reporting on my credit back since 2007. I have disputed them some moany time and the credit reporting is still has not removed and will not help me any way.
On XXXX XXXX, 2016, I asked how I can keep my home, they said I had to pay around XXXX and also I had to have a proof that I had that amount, so I did it. On XXXX XXXX, 2016 I received a letter from the bank dated on XXXX XXXX, 2016 to pay XXXX and the due day on XXXX XXXX, 2016 letter, and the post office envelope shows it was sent on XXXX XXXX 2016, so when I called, they said this is past due, we have to send you another XXXX, and it will be more than XXXX. I asked them to postpone the sale date to gather the money, and they refused. It shows the Bank wants to go ahead with the foreclosure because it is more profitable for them.