WillisBack/dataset-financial-user-claim huggingface dataset:
Navient from the start mis-informed, diverted and ultimately destroyed my credit because of thier lack of guidance and/or help when it came to my loans coming out of forberence. I was XXXX on SSI with XXXX children trying to find a new job after graduation and my loans were coming out of forberence. I tried contacting Navient to get information about reducing my payments through consolidation or other options that would keep me from defaulting on my current loans. They told me my options were very limited and that I could only apply for a hardship, which I did. Nothing ever came of it and my loans went into default.
When I was in my first year rs in college, my dad got laid off and was having trouble to find a job. After several options he decided to go back to school and they offered a truck driver job and the school had this lender of the company AES American Education Services ... He needed a co-signer, so I though it was a normal Federal Student loan. I was about XXXX years old so I was n't sure what I was going into, so I heped him. As a daughter I wanted to help my dad to reach his goal. 

Unfortunately, my dad passed away 3 years ago leaving me with his debt .... I said leaving his death because the company will not forgive the debt even though he is no longer with us. 

I am a recent college student and I have student loans of my own ... Besides this loan interest accrues daily, a clause that I was not aware because I was not well informed when I sign in for this loan ... 

I think this company is a true rip off, they are not here to help, they are a company that wants to take advantage of low middle class- they make people pay triple of what they lend and have no decency, ethics and any kind of good attributes that a student lender should have. Persons like us are trying to have a better way of living but with companies like this we never can get a good start. So disappointing. 

I am now paying my student loans together with this extra student loan with a annual income of {$40000.00} and of course, got to do this in order to have a clean credit record because then I would not have a job since I am not paying my student loans on time ... ... 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX REPAYMENT Disbursement Information Disbursement Date : XX/XX/XXXX Loan Program : XXXX Owner : XXXX Guarantor : XXXX - XXXX School : TEXAS XXXX XXXX Out of School Date : Out of School Date is the date provided by your school that typically represents when you will/did graduate or when you were no longer enrolled at least half time. 

Below are some common reasons why this date may not reflect your current or actual status : You previously left school and have since returned. Therefore, your out of school date represents the original date you graduated or ceased to be enrolled at least half time. 
Your school only reports the current academic year or term ; not the full length of your program. 
You have a private loan that allows for a maximum amount of time for an In School Status. Therefore, the Out of School Date represents when you have reached this maximum. 
No Out of School Date listed? Some loan programs do not use an Out of School Date for determining when repayment begins, including : PLUS, Graduate PLUS, Consolidation, and many private loans. 

Please contact your school if you have questions about your Out of School Date. 

Close this Help Text XX/XX/XXXX Interest Rate Information Interest Rate : 5.12 % Interest Rate Type : STANDARD VARIABLE Subsidy : NON SUB Loan Balance Original Balance : {$6400.00} Late Fees : {$0.00} Unpaid Interest : {$0.00} Current Balance : {$4500.00} Payment Information Monthly Payment : -- Repayment Term : 121 Months Expected Payoff Date : XX/XX/XXXX Due Date Information Next Due Date : XX/XX/XXXX Days Delinquent : XXXX
I was proposed to get KOHLS card at the cashier for the discount. They told me It would not effect me if I open but not use it. ( that is lie, because as I know now, it effects my credit score ) unfortunately I took it, but I destroyed it at home. After about a month I bought something at their store, using my CAPITAL ONE card, which they swiped, but took money from the account they opened for me, without even telling me they did! Now I have an inquiry for late payment ( How could I predict, They swiped my capital one card and took money from KOHLS card I did n't even have? ). 
They are unable to resolve the problems they created for me!
On or about XX/XX/XXXX I had a Wachovia Bank Account. On a Friday that I moved, I gave the mover a post dated check and asked him to deposit it on Tuesday, as I had a lot of ATM transactions over the weekend and I would make a deposit on Monday. 

He cashed the check on Monday and because the bank withdrew the check first, they charged me about 10 overdraft fees for {$35.00} each. The check was post dated and it was cashed prior to that date. 

Now, 10 years later, I find out that the debt was sold and now they're after me. 

I am in hardship. I was in a shelter in XX/XX/XXXX and XX/XX/XXXX and I have not been able to find work. The little money that I make I give to my daughter who is allowing me to live with her. 

At the time that this occurred my daughter had just turned XXXX. I was a single parent her entire life. Her little life depended upon me. It prevented me from buying food and clothing for her and limited my ability to help her get off to college in NC. 
Also, I did not have a checking account until XX/XX/XXXX-XX/XX/XXXX because of this. I had to use greendot, etc. 

The bundling of fees is not okay. Additionly, I was a customer since XX/XX/XXXX and at several different points had over XXXX in the account and they were always charging me overdraft fees instead of taking the money out of the savings. This was an ongoing problem and I never disputed it, but rather paid it. 

I can not tell you how deeply devastating this was to me. I actually ruined my entire life!
I have been in dispute with Green Tree Servicing / Ditech since mid last year over my account. Charges for filing bankruptcy and foreclosure were added to my account in 2005, but my husband nor I have ever filed bankruptcy and our home was never foreclosed on. I have disputed these charges and Green Tree Servicing/ Ditech just keep sending me the same letter a month or so later with the same claims and my dispute is not being addressed. They have also claimed that I paid these fees off and this concerns me because I was never made aware of these fees to my account and I was under the impression that all of my payments were going towards my mortgage, so it is my impression that the company was using my mortgage to pay off fees that should never have been applied to my account, which would have resulted in further fees and more interest. Also, in the most recent letter they have claimed that I owe {$4600.00} when I only owe {$1700.00}.
Regarding : Consumer Financial Bureau Case number : XXXX I have not received the following information : the contract between your company and XXXX showing your company owns this debt. As well as proof of debt showing a detailed print out of all payments and adjustments within the next 5 business days as this was previously requested.
On XX/XX/XXXX, 2017 approximately XXXX XXXX my car was stolen. Westlake financial breached my contract by not following the fair debt credit act. They also had relentless towing company trespass onto my private property and remove my personal private conveyance. Relentless violated chapter 1923. 01 jurisdiction and forcibly enter and unlawfully detain my private property after me asking him to get off my property. I let him know he was in violation of theft and that I can make him accountable for theft of private property. I then called the tow company to file a complaint on the guy who stole my property and was treated rudely while trying t speak to a supervisor, which she failed to do. I then asked to get the CEO/corporate office name and address and was told she could not disclose that information and hung up the phone on me, I called back to try to resolve the issue so that they can return my property and did not get and answer. I called westlake and spoke to a supervisor to resolve this matter and he failed to resolve it. I have documents and videos but I am unable to upload at this time. 
Pursuing to title 15 USC 1692 A4 the term creditor is construed to mean one who offers or extends credit or the creator of the debt. I am the only one who can be the creditor to my ability to create a debt. Westlake financial misrepresented their status as the creditor when in fact I am the creditor.
Inaccurate information on credit report. 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....
I have a first mortgage with Mr. Cooper ( formerly Nationstar Mortgage ).  For all ofXX/XX/XXXX my monthly payment was {$1700.00}. I was recently informed that my payment would increase to {$2100.00}, effective immediately. When I spoke to a Mr. Cooper representative, I was told that the escrow had increased due to an insurance increase. But my insurance premium ( with XXXX XXXX ) has not changed from XX/XX/XXXX. I was also told that there was an escrow shortage forXX/XX/XXXXand XX/XX/XXXXwhich I was then paying down monthly. They could not explain why the shortage ( 2 years in a row ) occurred, since they are supposed to determine the escrow payment to not create a shortage. In addition to this latest increase, I have been trying to get any paperwork, like a mortgage agreement, from Mr. Cooper, but all they could provide me with was the original loan documents from XXXX XXXX XXXX, the original lender when I purchased the house in XX/XX/XXXXThe mortgage has been sold twice so far, and I 've never agreed in writing to any changes in terms or mortgage details. I do know, however, that the principal balance on the loan has literally not changed in years. I 'm not sure if I need to hire a lawyer, but I 'm hoping that the CFPB can offer some assistance and advise. 
Thank you.
XXXX will not remove a paid collection debt that l had owe from XXXX XXXX., and XXXX XXXX XXXX.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.
I have a Home Equity Line of Credit with Citibank. They obtained and are charging me for home owners insurance even though I ALREADY have my own policy. I have sent my own policy information to them multiple times yet they continue to charge me and keep their own policy in effect. I am paying for XXXX policies. 

My own Home Owners Insurance is provided by : XXXX XXXX XXXX - account number is XXXX XXXX My Broker is XXXX
XXXX was hacked and failed to notify consumers. I was a consumer that was impacted by this hack. Managers sold stock before notifying customers. Unacceptable. My private information has now been shared with the President 's best XXXX buds.
I received an alert XX/XX/XXXX from XXXX concerning a credit card account having a bad payment billing report on it, showing 4 missed payments.. I knew this account had to be a recent added account on my report because I would have been notified sooner, The account is showing 4 missed payments, and the account was closed by credit grantor XX/XX/2016..I contacted Best Buy to informed them that I have never open an account with them, and I have never authorizes anyone to use me in applying for any type of credit, they could not locate me in there system using my SSN, Full Name, or by any phone numbers I provided. I could not provide a account number because it 's not listed on XXXX credit Report. Best Buy said there was nothing they could do for me since they could n't locate me in there system, even though they placed it on my credit report.and I clearly stated to XXXX who is a supervisor, this is identity theft fraud, but she again stated there was nothing she could do since she could not locate me in there system ... I contacted best buy on XXXX/XXXX/2016 and again on XX/XX/2016..spoke with XXXX at XXXX .PLEASE HELP
This all began XX/XX/XXXX when my wife of 30+ years passed away. My stepdaughter had been living with us and continued to do so until the XXXX. Apparently, my stepdaughter had stolen blank checks from my home XX/XX/XXXX. When she moved out XX/XX/XXXX, I was still under much mental stress from the passing of my wife. I knew the amounts that had been deposited to my Regions Bank account and my account at another bank and what was withdrawn by me, but I did not discover the forgeries until I was contacted by the bank due to overdraft XX/XX/XXXX. I contacted my local branch and found that between the XXXX accounts over {$20000.00} had been XXXX and forged against my account. The XXXX account has reimbursed me over XXXX % of lost funds, however, that was a different bank. I have now been informed from Regions that I will not be reimbursed for the $ XXXX+ that was forged on this account, due to it not being reported within 30 days of the first forgery. However, these forgeries were reported to multiple counties and cities on forgery and theft charges upon encouragement to do so by Regions Bank to ensure my losses. I followed directions from the bank officer, and then received phone call last week stating that NO funds would be reimbursed. These transactions were due to the fault of the bank, by MULTIPLE tellers and branches, and the dollar amounts and timing of check cashing were extremely suspicious, and they were still cashed without question.
I have an account that is placed in collections for a medical bill, I have no way to get a hold of the company where this is from due to not receiving any bills from this at my add. I do n't know when this bill was applied since I have n't been at a hospital in a long time, I have n't had any emergencies occur. I 'm also not able to place a dispute as my XXXX does n't let me it says I need a account number that I do n't have, please help me out. Thank you
On XXXX/XXXX/XXXX my employer has sent {$120.00} through XXXX XXXX using my email address. 
XXXX supposes to be credited to my personal account with Bank of America. Unfortunately, I was never notified that the transfer had happened, and when I 've checked the money had not arrived. At first, I 've emailed to my employer to find out why did n't I receive that sum. In response, my employer provided me with confirmation of the transfer. I called my Bank asking where is money, but they said that XXXX needs to file up a claim to find out what happened. XXXX filed up the claim with Bank of America and discovered that my money went to the different account with my email address, meaning someone else who has an account with Bank of America registered my email address and the money was accepted by that account holder. I am disappointed because the service was not performed correctly and on the top of everything someone registered and used my personal data. In this obvious fraudulent case, Bank of America cited privacy/data protection laws and refused to tell me how was that account holder, who accepted my money. As a result, I could n't ask him/her for what 's truly mine. 

Then I 've sent an email to the Senior Claim Analyst at Bank of America asking to solve this problem, but the lady mailed me back saying that I need to contact initiating financial institution and so on ... Until now this problem is unsolved and Bank of America does n't seem to care. 


I look forward to your reply and hopefully a resolution of my problem.
Equifax has refused to comply with the consumer reporting and consumer protection laws. Equifax is reporting an account on my report that has not been officially investigated and verified. XXXX and XXXX has investigated this item and concluded that the item did not belong on my credit file. I've contacted multiple agencies and departments and according to them, they have no contact with Equifax and does not provide information to them. 

How is it that a company who had a data branch and compromised 140 million files can be so negligent and not investigate an item and provide their method of verification. 

How is it that 2 other companies who use the same method of verification file the item to be inaccurate and deleted the account can be wrong, but Equifax can be correct.

PLEASE BE ADVISED I HAVE CONTACTED FEDERAL, STATE COURT CLERKS EACH CLERK HAS AFFIRMED THE FOLLOWING : THE COUNTY CLERK AND COURT DO NOT FURNISH INFORMATION TO CREDIT BUREAUS BY MAIL, ELECTRONICALLY OR BY ANY MEANS THE COUNTY CLERK AND COURT DO NOT VERIFY OR VALIDATE INFORMATION WITH THIRD PARTIES INCLUDING BUT NOT LIMITED TO CREDIT BUREAUS AND ANY OTHER THIRD PARTY BY MAIL, ELECTRONICALLY OR BY ANY OTHER MEANS.

THE COUNTY CLERK AND COURT ARE NOT TO BE HELD LIABLE FOR INACCURATE REPORTING, YOU THE CREDIT BUREAUS ARE LIABLE AND I DEMAND YOUR TRUE SOURCE OF THESE ACCOUNT AND DEMAND THAT THE INACCURATE, UNVERIFIABLE ACCOUNTS BE DELETED IMMEDIATELY. 

XXXX VERIFICATION MANDATES METRO 2 COMPLIANCE OF ALL DATA REPORTED OR ELSE CLAIM MANDATES DELETED SO DEMONSTRATE VERIFIABLE PHYSICAL PROOF OF VALID CERTIFICATE FOF FACTS TO EVERY ASPECT OF CLAIM, ALL NOTATIONS, DATES, BALANCES, XXXX, CREDITOR CALL, ETC.
This is in regards to case Number XXXX. I have sent you another letter about Advantage Financial Services. I have proof, and will present it at a Schudule hearing on XXXX XXXX. I have already informed you about it in the past. 
Advantage Financial Services signs their own complaints. No attorney signs them. I have found that to be so in our case and I am in connect with another person that it has happened to. The signatures on the Complaints are not AFS 's attorney. I have seen the XXXX signature, the signature on our complaint, and the signature of this other person. I am telling the other person to also file a complaint. I am not including her name here because I do not yet have her permission to state her name.
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

I gave XXXX  permission to run my credit XX/XX/XXXX not XX/XX/XXXX
There is a collection against me on my Equifax report. Presumably shared across the other credit reporting agencies as well. A collection agency named " XXXX XXXX XXXX '' has filed a derogatory record against attempting to collect {$190.00}, saying my first delinquency was XXXX XXXX, 2015. This can not be correct, as I did not incur any medical expenses during that period. I have attempted to clear this with both the collections agency and credit reporting agency - yet no progress has been made, and my credit score has been severely impacted in a negative manner.
A vehicle lease reporting on my credit file was NEVER delinquent but this agency is reporting XXXX late payments for XXXX and XXXX for XXXX # XXXX. This account was never late and should not contain any derogatory lates. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from the reporting agency has verified anything with them. The other XXXX major reporting agencies are NOT reporting any lates on this account. SO how does this agency have this account reporting this way? this is not right.
On XX/XX/2018, I learned via an alert from XXXX   XXXX XXXX that a credit inquiry was made by citi bank. I have not applied for any credit with that organization. As soon as I learned of this unauthorized inquiry I immediately placed a fraud alert with XXXX, XXXX and XXXX. Since I have not applied for credit with them I requested that they remove the inquiry and any future application for credit under my information be verified first. Since this was not initiated by me they are not legally entitled to make an inquiry. I request that they contact the concerned credit bureau ( s ) and remove the unauthorized inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
I have contacted XXXX, XXXX, and Experian in XXXX, and XXXX 2017 to remove in accurate information. Under the new law effecti XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
OnXX/XX/2018 I received my dispute results for a bankruptcy that did not belong on my credit report! The results proved me right as the Bankruptcy was deleted from my report. Here we are 5/6 months later and Equifax has added this account back to my report with no knowledge or justification as to why. UNDER FCRA THEY MUST NOTIFY ME five days before they add anything to my report after that item has been deleted. I received no such notice! I have attached the guidelines equifax have violated, please review all attached documents.
I called my bank -Union Bank XXXX ask if they do 0 % Fees and charges for 12 months on balance transfers to my new credit card and they said yes. XXXX if they had said no I would not have gotten the card nor initiated the balance transfer in the first place. ) Because they said there would be no charges I initiated a balance transfer from my XXXX visa card in the amount of {$45000.00}. The transfer completed XXXX weeks later and I discovered a 5 % balance transfer fee in the amount of {$2200.00}. They never notified me that I would be charged this nor any amount. I 'd like the balance transfer fee removed as I would not have initiated it in the first place had I been notified about it. I went through my statements and found no information on any balance transfer fees.
I Have been getting repeated calls from Chase auto loans at my work number for several weeks. If I pick up the phone, they hang up. If I do n't pick up, they let the phone ring. I know it is Chase auto loans because they have left several recorded messages as well. I do not have a loan with Chase auto. I have never had an auto loan in my life. Clearly they are trying to reach someone else - they never say who the call is for in their recorded messages. The number one of the callers has used is XXXX.