WillisBack/dataset-financial-user-claim huggingface dataset:
My student loan is currently with Navient and I have field 2 previous complaints for past dues fees when I was making my payments on time. This month I finally get a statement with no past due charges but my monthly payment when my {$390.00} to {$410.00} with no explanation as to why. This company is dishonest but I also believe these complaints will resolve nothing since you close them out based on the answer you get from Navient. This company has multiple lawsuits filed against but they are allowed to manages student loans and O would like an answer from you as to why.
Sams Credit Card : I have been a customer for Sams for more than 10 years as sams member and credit card holder- I have recently opened a consumer credit account Sams Mastercard XXXX for the last 3 1/2 years I have been paying my bills on time - However during the last three months I noticed an unusual active - During the previous years the credit card payment were managed by GE Financial and now is managed by Synchrony Bank - Once Synchrony bank took over I started to have problems with my credits and also the posting date of my payments. 

The problems started during the XX/XX/XXXX-XX/XX/XXXX statements - I always had a minimum payment automatic withdraw from our account - However, XX/XX/XXXX I realized I was going to have to make a payment under another because of lack of funds - So I switched the payment to my wife 's bank - I called the Synchrony Bank to make the and switch the account for this one-time payment over the phone - representative took my payment, However, they never process the payment causing my account to go as past due - Not only they did not process the payment but also did n't cancel the electronic payment causing my bank account to go into overdraft status. 

I realized that I could not make the payment for the following month - However, I quickly called Synchrony Bank I paid the past due amount and the following month only to find out the Synchrony Bank had " Lower my credit limit and raised my payment over the next month. Now even though I made my payments and kept with the account current they have close my account and immediately reported this to the credit agencies. I do n't believe this is fair not the issue to immediately reporting this to the credit agencies -
I graduated from my XXXX XXXX in XX/XX/2018 and had to study for boards before starting work in XX/XX/2018. My loans had been in forbearance because I have been in school for the last 8 years and could not afford {$1200.00} plus a month. I used up my 18 months of forbearance and was becoming delinquent on my loans because I couldn't start my new job until XXXX. I called to ask what i could do to get current and was told nothing could be done and I just had to make as many small payments as I could to bring the loans up to date. I informed them this would not be possible as I am in a XXXX XXXX and barely make {$2100.00} a month so I would never be able to bring the loans current as I was delinquent by XXXX {$4000.00} by the time XXXX rolled around and I started making money. 
I called Lendkey twice monthly from XXXX to XXXX to work out what I could do to remedy the situation. In XXXX the loans were XXXX {$7500.00} delinquent as my attempts to make {$600.00} payments every other week was getting me nowhere. I made the decision to take a {$5900.00} loan from my XXXX to pay this down. The loans are mostly current, I am about 20 days late on 2 of them and will make an additional payment of {$630.00} this month. I called Lendkey again this month to ask what I could do as I was struggling to pay {$1600.00} each month. They told me I could apply to refinance the loans which would lower the monthly payments now that I was mostly current and that I would get approved for a decent rate. I just received notification that my request has been rejected. 
I am a new XXXX XXXX in a required XXXX XXXX   trying to help patients and struggling to make ends meets. I can not live of off the {$200.00} a month I am left with after trying to pay these loans. Lendkey has been horrible to work with and no one is willing to help me or work out other options that are more manageable.
On XX/XX/2018 I sent a certified letter to Credco Corelogic disputing 3 hard inquiries the company had placed on my credit report for XXXX XXXX. As I stated in the letter, I did not dispute the fact that I inquired to XXXX XXXX   on a possible mortgage loan. I was disputing that the inquiries were for pre-qualification purposes and was to only be a soft inquiry. I ask Credco to send me copies of the authorizations they had to place hard inquiries on my report. I sent them copies of the XXXX  report I had which clearly shows it was XXXX XXXX that they provided the reports to. I received a response from Credco stating they had furnished the reports to their client XXXX XXXX   and they represented they had permissible purpose. Yet they did not send me any copies of proof of authorization.
Subject : Wells Fargo lawsuit just issued. 

Hi, I am a single XXXX year old lady. I am not sure of the date but I had a credit score of XXXX in XXXX - XXXX and I was renting my home out to keep it. I fell one month late and Wells Fargo started foreclosure. I begged for help. They were mean and not helpful and moved quickly to foreclose. At one point I finally reached out to family who gave me the {$4000.00} to stop the foreclosure. Wells Fargo said it was too late. The loan was perhaps {$160000.00} or XXXX. I had {$40000.00} in equity and was doing all I could do to hang on to my home. I had never been late with any kind of payment before in my entire life. I ended up homeless and because of having no where to live had to file bankruptcy which was quite traumatic to say the least. 

My children purchased a condo 6 years later in XXXX for me to live in. Three months after I moved in XXXX, the money their father left them in XXXX XXXX went up in smoke and the condo was worth half what they paid. They had no money to pay for it. I am doing every thing I can to stay on top. My credit score is up around XXXX. I just applied for a job as a XXXX in the XXXX. 


Is there anyway I can be included in this suit? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This debt was paid and the collection agency should have never reported it to the credit bureau. This debt originally came from  XXXX
I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.
In XX/XX/XXXX, Bank of America reported my account delinquent to the credit reporting agencies. I settled my account with BofA that year and paid my account per the settlement. According to FCRA, BofA and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with BofA and I am continually told that they are reporting correctly. When I called BofA on XX/XX/XXXX a BofA rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX  contacts BofA, BofA tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from BofA and XXXX. This is also happening with XXXX 's XXXX ( credit card now through XXXX Bank was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
Someone get credit cad using my SSN from chase bank My SSN NO : XXXX DOB : XX/XX/XXXX Name : XXXX XXXX
After my Nelnet loans came out of forbearance following my graduation I was billed my initial payment of about {$700.00} on around {$70000.00} of student loans. I was unable to pay such a large monthly amount and submitted paperwork for income based repayment ; however I was still responsible for that first payment. I did not have the money to pay it so I opted to put my loan in forbearance until Nelnet processed the paperwork. The employee read the disclosure and it sounded like it said my interest would be added to my principle balance-I asked for clarification and was told that no-nothing on my account would change I just would n't have to make the payment so I agreed. The representative lied to me and the interest obviously was moved to my balance increasing my loan amount to about {$75000.00}. My recalculated payment ended up being $ XXXX/month. Each year I have to fill out a form to reassess my income based repayment amount ( many other loan companies have a form you fill out once, not annually ). While this paperwork was processing I once again ended up with a monthly payment of about {$800.00} -it 's conveniently higher now because I owe Nelnet more money because they lied to me-until my income based payment was reassessed. My new monthly payment is now {$200.00} a {$67.00} increase from last year which I can only assume is because I owe more money because my income has not increased from the last assessment and I still owe the {$800.00} payment. A representative once again tried to convince me to put my loan in forbearance, glossing over the fact it would add nearly {$10000.00} to my principle balance and when my loan is reassessed next year the payment would no doubt increase, not to mention the obvious-the amount I owe would go up to {$85000.00}. This representative was at least honest when I asked about my interest. I can not make this {$800.00} payment. There is no waiver of the payment and my only options are : pay money I do n't have, do n't make the payment and ruin my credit, or put my loan in forbearance and owe Nelnet even more money. There is no way to make a formal complaint at Nelnet. I feel like I was tricked into owing more money, representatives misinform and persuade customers into allowing their interest to capitalize, the annual paperwork only serves to create a month where customers are vulnerable to high payments and more likely to be forced to make a poor financial decision to protect themselves in the moment as well as their credit in the long term. Nelnet does not serve or care about their customers-they are only using them to continue to make money and increase their student debt.
This company serviced my student loan collection thru XXXX XXXX. At which time the servicing was transferred ( per the XXXX ) to XXXX. I paid this load off on XXXX XXXX, XXXX and XXXX XXXX is still reporting this loan as open and late. Last update was XXXX XXXX, XXXX. I disputed with Transunion because XXXX is reporting this correctly so why is Transunion Not? I have aletter from the XXXX showing this payment in full. This issue has cause substantial hardships to me is showing as Mortgage ready. On XXXX XXXX XXXX the mortgage broker I have been working with made the following comment to me. " Looks like the only issue you have is that Student Loan '.
I would like to address that a file being placed on XXXX/XXXX/XXXX is incorrect. They stated the sent notice as well on XXXX/XXXX/XXXX which is also incorrect. I have went ahead and have filed civil suit against Credit Management Control in XXXX XXXX, TX for violating FDCPA laws and FCRA. All items that were requested in my previous statement to the CFPB is request for full validation. I would like to remind this collector that by not completely sending all items requested constitutes invalidation of an account. Texas Attorney General also states that items if requested must be provided in its entirety. Also if this collection agency is not bonded in Texas to collect alleged debts, they are in violation of Texas statutes. Letter of bonding from the Texas Secretary of State dated before XXXX/XXXX/XXXX is also hereby requested with other documents requested. If this can not be provided than any alleged debt is considered invalid and damages will be claimed against collection agency. Alleged debtor never resided at any address associated with XXXX XXXX XXXX XXXX XXXX XXXX. The FDCPA and FCRA laws are very specific in which they state providing itemized bills/state meets are not valid proof of debt. Also matching information is also not valid proof ofor debt. Please send all 15 items requested in previous complaint. Also federal law does provide that request filed via mail, fax or government regulated portals such as the CFPB complaint portal are indeed appropriate request. No further request are needed. If this account is sold, transferred or reinserted on credit file with any of the credit bureaus, that will constitute fraud. Be very clear, at no time did CMC try to validate or give me the right to dispute. Therefore, the law was broken. They can not after the fact come to try and rectify this issue or do what the law required them to do in the first place. My desired resolution still stands and is non-negotiable. I will print CMC response to my complaint to be included in my petition for suit. If this account reappears with any credit bureau on XXXX/XXXX/XXXX or at anytime, I will then contact the attorney general and OCCC office to file complaint in which relief will be requested from CMC bonding agent. What this agency has done, is doing currently, and threaten to do is illegal and violates Texas and federal laws set in place to protect consumers. Furthermore, in addition to one account they have placed 2 accounts on my credit reports. No notice was sent for the first account about them re-inserting ( rebucketing ) the account back on my credit report. The second account, they neither sent notice dispute validity nor did they send notice of collection. CMC has not proved proof of validation they used to determine these debts are mine which the law requires them to do.
After receiving a copy of my Transunion credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau in question, Transunion, is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Transunion has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified inquiries must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX/XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
The purpose of this complaint is to expose how First Niagara Bank covertly charged " analysis service charges '' to its customers as a predatory tactic after acquiring XXXX banks in XXXX. These charges were not agreed to between the lender and its new acquired customers nor were customers notified of this change. 

On XXXX XXXX, XXXX, First Niagara Bank acquired XXXX XXXX bank branches in upstate NY affecting XXXX households. I was using XXXX as my bank for my business account at the time. 

From XXXX XXXX through XXXX XXXX, First Niagara Bank charged my company over {$3700.00} in analysis service charges. These charges were not part of my original XXXX account agreement and I did not agree to pay these when the bank was acquired. 

These fees are predatory in nature and a tactic used by First Niagara to make the former XXXX banks more profitable and justify their acquisition costs ; these fees created additional financial surplus at the expense of the customer. Further, customers were not given sufficient time to find a new bank or given the opportunity to move their business with a notice of the new fees. 

I have made several attempts to address this issue with my local branch, but was told that they could not help me. I have also contacted First Niagara Bank and met with a regional representative. Several months have passed and the Bank has ignored my complaint. 

Had I been given notice of the fees, I would have immediately moved my business to another bank as I did not agree to the " analysis service charges '' when I opened the account. However, by the time I discovered that I was being charged, I was not in a position to change banks. My business was in the startup phase, which made it too risky to split revenues and pay vendors out of XXXX accounts. 

I hope that this complaint will be taken seriously and the situation rectified. Additionally, I believe that this issue should be escalated to a class action complaint for all XXXX families who were negatively affected and who did not agree to pay these fees when the acquisition occurred. First Niagara was opportunistic at the expense of their new acquired customer base and bank customers must be protected against predatory fees when an acquisition occurs.
XXXX XXXX XXXX tranferred the servicing of this fraudulent loan, that I have been forced to pay them over the years. Ditech in addition of its knowledge that the mortgage lender was not XXXX XXXX XXXX, took the service of such fraudulent loan on XX/XX/XXXX with the intention to stole my property by conducting an evil plan with the aide of XXXX XXXX XXXX, XXXX by refusing payments. First they said, " we have to wait for all the documentation from XXXX XXXX XXXX it might take up to 60 days ''. Then they said on the 60 day " we still have not completed the transfer '', after the 60 days they said, '' we can not receive payments, you have to wait for a letter from us ''. We insisted that they could use the direct payment draft from our bank that XXXX, was using, but they insisted we have to wait for the letter. We made several calls to them the first one was in XX/XX/XXXX to XXXX who told us they have transferred the service to Ditech because they did not inform us. We called them right after and they replied what I wrote above, " we have not received the documents from XXXX you have to wait '', we called them several times each month. but they insisted to wait for their letter. but all of these was just part of their scheme because we discovered that Ditech Financial withdraw a payment on XX/XX/XXXX and then stopped the withdraw of the payments pretending they couldn't do it with the purpose to foreclose and stole our property. Then on XX/XX/XXXX they sent us a letter from XXXX XXXX stating, the full amount to reinstate the loan is {$6600.00} good to XX/XX/XXXX '' they also stated that some charges might not be used by that date. We paid them the entire amount requested before their due date. It was obvious they wanted to lead us to foreclosure to rob our property, because they knew XXXX and they did not own the mortgage because it was satisfied since XXXX. At that time we did not know of this fraud until three months ago. Ditech transferred the servicing to XXXX XXXX XXXX that also knew about this fraud on XX/XX/XXXX. We want an audit history that includes all the payment of principal, interests and fees. This crook had the audacity with the aide of its partner of crime XXXX XXXX XXXX to provide them when I asked for information from XXXX copies of fabricated monthly bills that they never sent, and fabricated letters stating, as if we asked them for a modification, and others as if we appealed their denial. which is a big lie. they again as XXXX and XXXX mentioned the name of a New York trust to be the owner of my alleged mortgage, which trust doesn't exist. The investors who are the ones that funded my loan based on my signature were fully paid.
Wells fargo is not reporting my direct deposits to XXXX XXXX XXXX. I need this to be reported so I can use this service. <P/>XXXX XXXX
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Transunion ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
XXXX is attempting to collect {$200.00} from me. They assert my service was disconnected and that this is a past due balance. I am a current XXXX customer and have been for 7 consecutive years. XXXX claims this balance is due from an older account number which was cancelled due to a change in service. In speaking with a service rep yesterday, they said they saw that last bill for that account which stated the balance should not be paid and that it would be transferred to my current account. They now claim they never transferred that balance. Well, my current account has no past due balance, and in fact is paid by auto pay through my credit card. I only heard of this three year old balance from delivery of a collection letter. I believe XXXX is making up this charge from something they acknowledge occurred three years ago ( XXXX 2013 ). In my call to them, they refused to remove the balance from their records.
In XX/XX/XXXX, my EX wife rented a house using my social. In XX/XX/XXXX she broke the lease and the account went into collections a few months after. For 11 years now, XXXX XXXX XXXX ( original creditor ) and CREDIT BUREAU SERVICES ASSOC ( collection agency ) continue to illegally re-age this debt, currently showing it was opened XX/XX/XXXX. In XX/XX/XXXX I was trying to purchase a home when I noticed they were STILL reporting this after 9 years. I made contact with the collection agency and informed them of their illegal practice, and they removed it from my credit. Now it is almost 11 years from the original reporting date, and it has reappeared again. I have disputed with XXXX several times over the years and it is still unresolved. I disputed again with XXXX  but am weary of the outcome.