WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a Navient ( XXXX XXXX ) Loan for my XXXX Degree from XXXX University, graduation 2010. I have been paying my monthly payment plus extra principal every month without default. I have inquired with Navient on multiple occasions as to why my loan balance does not change as expected with a 6.8 % interest rate. Once I was told after I paid the interest accrual of the loan interest my payment would be applied to principal, but that is not the case. I called another time and was told the interest was compounded daily, not monthly or yearly. I essentially pay 26 % interest on my loan. I have also been told there is no way for me to refinance my loan.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
ON MY TRANS UNION CREDIT REPORT I WAS MISSING PAYMENT HISTORY FOR XX/XX/XXXX AND XX/XX/XXXX AND THE BALANCE WAS NOT REPORTING CORRECTLY. I TALKED TO XXXX FROM XXXX XXXX ABOUT THIS ISSUE AGAIN AND SHE STATES THAT THEY HAVE UPDATED MY CREDIT REPORT ACCURATLY EACH MONTH AND IF I WAS MISSING OR MY ACCOUNT IS NOT UPDATED IS TO DISPUTED WITH THE CREDIT BUREAU. SO I PUT IN A DISPUTE ONLINE AT TRANS UNION TO GET MY CREDIT REPORT UPDATED CORRECTLY. ON XX/XX/XXXX. I RECEIVE THE RESULTS BACK ON XX/XX/XXXX AND ONCE I RECEIVE IT BACK THE ACCOUNT WAS DELETE IT OFF OF MY CREDIT REPORT. THIS ACCOUNT SHOULD HAVE NOT BEEN DELETE IT AT ALL IT NEEDED TO BE UPDATED. I HAVE MADE PAYMENT ON THIS ACCOUNT FROM XX/XX/XXXX TILL XX/XX/XXXX AND THIS ACCOUNT NEEDS TO BE PUT BACK ON AS FOLLOW. I REACH OUT TO CREDIT ACCEPTANCE ABOUT THIS AND THEY SAID THIS ACCOUNT IS OPEN ACCOUNT. SO I WANT TRANS UNION TO GET IN TOUCH WITH CREDIT ACCEPTANCE IN GETTING THIS ACCOUNT UPDATED CORRECTLY AND PUT BACK ON MY CREDIT REPORT.
XXXX XXXX contacted me 2 times on 2 different numbers XX/XX/XXXX trying to collect a debt. Called them back XX/XX/XXXX and explained i did not receive a debt validation notice from them. Continued to ask about personal information and how i would like to handle this debt. I told them they were in violation of FDCPA and not to call me any further. XXXX XXXX XXXX number calling me.. Thank You
I went online to USAA to get a secured credit card during purchasing the secured card online USAA 's system charged me twice and set up two secured credit cards when I was only trying to get one. I had to take time out of my busy work schedule multiple times to try and resolve this issue. After speaking to multiple customer service reps I was told this issue was resolved. Only to find out that not only has this affected my credit, the thing I was trying to repair in the first place, but now they are trying to charge me for the additional card that I never wanted in the first place for which they told me the issue was resolved. I tried to make a formal complaint to the executive office at USAA I called XXXX with executive resolutions 5 or more times and never received a call back for any resolution. This bank refuses to return my calls. This has put my ability to repair my credit and use my VA home loan for purchase of my families first home to a complete STOP!
Ok so I moved to the US to study in XX/XX/XXXX. By XX/XX/XXXX I got my first apartment and I hired XXXX XXXX XXXX to give me internet services. Since at the time I was on a student visa, I didn't have a Social Security number so I opened that account just with my personal info and passport number. 

I left that apartment by XX/XX/XXXX and I called XXXX XXXX XXXX to cancel my account. Since I was using my own modem and router, they didn't even have to come to the apartment to pick up their equipment, they just cancelled my account through the phone. And obviously, I paid the remaining balance in FULL ( for which I have a credit card statement that proves so ). 

Therefore, it is completely out of proportion, and mistaken that I have a negative remark on my credit report because of this Debt collection. It is not only inaccurate, it is messed up to harm me score and credit in this way. I feel terribly wronged and I want to get to the last resort to make this stop and change.
PAYPAL does not accept my XXXX XXXX XXXX [ issued by the US treasury for my VA XXXX Pension ] I have NO problems on ANY other website PAYPAL has been non-responsive to provide a " WHY '' I hope this has nothing to with me being XXXX or a Veteran XXXX XXXX
I am on XXXX and have been for 3 years all medical bills are covered under XXXX county in Colorado XXXX department of health care and financing XXXX XXXX there are 2 issues on my credit record that I 'm disputing. I also have records showing I 'm on XXXX. I also never received any bill and if I had I would of handled it immediately again because I 'm on XXXX
I submitted for a loan on XXXX/XXXX/XXXX and was approved for XXXX. My first payment was due on XXXX/XXXX/XXXX. My income is based on what I receive through XXXX. I had a medical emergency with a up front cost that I had only days to pay soI got the loan. Closer to due date, I sent an email and called to reschedule payoff through a debt consolidation loan through my bank and I would payoff the loan and be loan on my first and only payment. The day I tried to talk to them I was either on hold or hung up on twice. I didnt want them to send it through but got the run around and sent three times. I were charged with massive bank fees through them and the effects it had on other transactions. The bank closed my 5 year checking account now they have called me at least 30 times. If they would have tried to work with me I wouldnt be in this bad of shape. I am lookin for one payoff amount and be done. I will never get this again because with XXXX, you never know what you are going to get and it helps if the business is not CRAZY like these people,
Chase closed my XXXX business visa credit card without any reason I had the card over 2 years and paided them ontime never late
CFPB submitted Dispute # XXXX on my behalf, XXXX XXXX, 2016. 
The Dispute needed to be addressed by XX/XX/2016 to meet the FCRA dispute timeline requirements. 
It is now XXXX 2016. 
This is the SECOND instance of Experian failing to respond to Dispute Investigations, submitted by CFPB on my behalf, in a timely manner. 
The FCRA requires the accounts being disputed, to be deleted, if an investigation is not responded to in a timely manner.
Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the Law Offices of XXXX XXXX XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.
I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx
I called midland funding in regards to this they asked me for account information I told them I didnt have any I just saw this on my XXXX XXXX XXXX its why Im cslling they asked me for my social security name is not mine yet my social security was used they wont tell me anything cause they cant confirm identity. But yet its affecing me because its my social security number and Im stuck. How can I clear my name if they refuse to help me its not my account or my name. How ever my social security was stolen by this person to open an account I dont even know what it is or where I need my name cleared XXXX
An amount of 1000 + dollars was added to my credit report last week, driving my credit score down XXXX points Company was Stellar Recovery XXXX XXXX XXXX, XXXX, XXXX Utah or Montana. It supposedly started from XXXX XXXX XXXX ans I can not find them on web except in XXXX XXXX VA Never lived or even been there. Tried to call the company Stellar ... ..Busy busy busy. Tried their web suite to open complaint. Web does not allow form to be filled out. When in XXXX, VA up to XXXX 2014, XXXX was our cable provider but all boxes and last bill was paid, in fact to my best memory over paid
Signed up for XXXX XXXX in hopes to get my loans forgiven after 10 years. Found out that they not only do not pay off my loans through XXXX, but they aren't associated with the Department of Education ( although they mentioned it numerous times in emails ). I've paid about {$560.00} to them thinking that it would reduce my loan amount, but all they did was open a new line of credit in my name. I was also told by the Department of Education that I didn't have to pay fees in order for my loans to be reduced in payments or forgiven.
on or around XXXX XXXX 2017 capital one put a fraud alert freeze on this account, ok they wanted proof of address and proof of id which was sent then they wanted bank statement showing the address we sent all those then they said they needed the full account number for the bank account they were not accepting what was sent to tthem, so we got the bank to write a letter showin the full account number name and address now capital one is saying the bank wont verify the information over the phone, I explained to capital one that banks do n't verify personal accounts over the phone only with the account holder which capital one should already know that, also XXXX XXXX I tried to make a payment for full amount due they did not accept the payment because of the fraud alert issue, that for some reason they put on, then 5 weeks later I get a bill charging interest on the amount they did not accept for payment. anyways they have aggravated us wasted our time with phone calls callin banks sendin paperwork to tthem to prove who we are and still nothing I feel we are owed some kind of compensation for all this and capital one needs to be investigated for their behavior and handling of these so called fraud allegations, I am wilin to pursue this in court in need be. just as the bank told me they 've never heard of a credit card copany demanding a persons full account number for a bank account to verify proof of someone the bank even thought this was little shady and for us to be careful.
on XXXX XXXX 2017 i recieved a letter from XXXX XXXX XXXX. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( XXXX XXXX XXXX. ) I went on to the credit beauro 's sites and posted disputes not one but twice after XXXX XXXX refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.
On XX/XX/XXXX, I got a new personal credit card with a new account number from Capital One, because of a fraudulent transaction in that occurred in XX/XX/XXXX. At the same time I was cancelling my automatic monthly prepaid advertising services with XXXX, that would be paid on the XXXX of each month, but, because I got a new card with a new account number from Capital One, and because my XXXX XXXX monthly charge of {$390.00} kept on getting declined by Capital One, I figured I did n't have to do anything more. However, on XX/XX/XXXX, and then again on XX/XX/XXXX, two new {$390.00} charges were taken out from my new credit card account. I never authorized Capital One or XXXX to process any new charges on my new credit card account, and I was not told that this was possible to occur by either of them. I protested the charges, But Capital One declined my protest telling me that just because I got a different credit card number that certain vendors can still add new charges on my new account number even if they do n't know my new credit card number. This appears to be just as fraudulent as the unknown fraudulent charge that occurred on my card in XX/XX/XXXX! Please advise, and thank you.
The following were removed previous from Equifax. I previous contacted the creditor on removing the inquiry. They reported that they sent letters to remove XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX
My " Serve " them that I had received a referral from a Third party  which resulted in me being awarded the account, but that made no difference. 
I informed them that I had previously enjoyed the type of consideration which I was then requesting on the same account, to no avail. 
I finally informed Customer service that my " Serve " account was linked to my XXXX XXXX account without success The closing created a detriment to my XXXX XXXX  account. 
I mailed a letter by Certified mail to this affect to American Express Customer Relations Team in XXXX XXXX XXXX back on XX/XX/18 and they have issued no response, Notwithstanding the fact that my account was closed without any prior notice to me through mailings or through email.
I have asked if I could get my student loan payment lowered. In 2014 I was involved in a fire and suffered XXXX XXXX XXXX with that being said I lost my job which was in XXXX XXXX  and had no income. Due to the lack of income I incurred numerous bills which I am still trying to catch up on. I called Navient a couple of times and asked if I could have my payment lowered but they told me that was not an option, so my loan was put into forebearance which incurred alot of interest. I am struggling to pay credit card debt and my monthly student loan which is {$250.00} a month, please help.
I was charged and overdraft fee on the same day that an item was paid in my account. It has not been 24 hours to rectify the situation. The date the transaction was completed is the same day the overdraft was charged ( XX/XX/2017 ). I am also using the banks Merchant Service in which I get charged as well. On this type of transaction I was charged {$38.00} for them taking out {$.00}. I received payments on XX/XX/2017 from Merchant Services ans should not be charged XXXX fees of {$38.00} ( Total {$76.00} ).
I was contact by a company claiming to be a process serving stating they were going to file a law suit against me and have be served with papers. When I instructed them that I had consolidation company handling this and they said the company could call them. I then asked for him to provide me in writing proof that I owe his company a debt. The gentleman I was talking to started to get irritated and I then said listen here XXXX. His next words were XXXX and he hung up. He stated the call was being recorded. This same company called a former employer of mine and left a message there stating they were a processor server and that I needed to call them back. The message even included a case number.
I returned an item that I purchased from XXXX XXXX XXXX, online, in XXXX 2017. I mailed the item back via USPS using XXXX return lable. They claim to have furnished me a refund through PayPal. Paypal claims they never received a refund from XXXX, to post to my account. I’ve been waiting for  MY refund since XXXX 2017 and have received little to NO HELP from either companies.  WHERE IS MY REFUND!?
Each month I pay extra principal for my federal student loan. Navient refuses to apply this extra portion towards principal and has been applying this towards future payment despite my repeated requests not to have this happen. This is costing me money in the long run. Their site also says that I have the option to choose how extra capital is applied but there is nothing in the site that allows for this. They have been misallocating my payments for over 36 months now.
My American Express Membership Rewards account is " under review '' by American Express. They have given me no indication as to what prompted the review, and now they are telling me that I can not access my rewards points for 6-8 weeks. When I attempt to escalate the issue, I'm told that there is nothing they can do, so I need to wait 6-8 weeks to access the points I earned by spending money on their credit cards. Not only this, but the error message that appeared to me when I attempted to transfer points was that I was unable to transfer due to " selling or transferring to someone else 's account '' which is completely untrue. The frequent flier account I attempted to transfer to ( XXXX XXXX ) is my account and I was able to link it with my Membership Rewards account without issue. I was given no phone call or email stating that my account was " under review '' and I am not given any information without reaching out first. I was also told by the first representative with American Express that it was simply an issue on the airline 's end, which made me waste another hour of my time calling the airline. The 6-8 week timeline without access to my hard earned rewards is completely ridiculous. It is predatory to allow a customer to accumulate rewards for years ( I have banked with American Express since XX/XX/2014 ) and suddenly freeze their account without notice and notification, and at the same time tell me there is nothing that can be done for an absurd timeline. I made a transfer several months ago without issue, and there have been no changes to my account since that time.
XXXX XXXX account on my Equifax and XXXX  credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX2012 Last Balance Date XXXX
I was scheduled to return my car lease but my tire blew out and the car needed repair. I informed the dealership that I would return the c ar one day late, which I did. Because the car was returned one day la te, the original creditor,  JP Morgan   Chase,  marked the account as a " charge off '' and also a late final payment. Because of this, my credit report has been destroyed.     The irony is that I ended up buying the same car at lease end. It was financed through the same bank ( for extremely high interest rat e ) a nd so they are actually benefiting from destroying my credit report.     I have all necessary documentation, including proof of both the tire blowout and my contact with the dealership. I 've provided it to  JP Morgan but t hey 've declined to help
file # XXXX chapter XXXX According to the FCRA ... I have a right to know how the information was obtained and where it was obtained to verify the chapter XXXX file number XXXX. They failed to send me information on how this was verified and with whom they verified it with. This is a serious FCRA violation. The court house claims the credit bureau does not verify with them either on someone 's bankruptcy filings .. so where did Equifax get their information from? Looking at your computer screen is not validating and verifying information. If they can not show me proof they have to delete this information immmediately!!
In 2017 Wells Fargo Bank gave me overdraft fees back into my account at approximately XXXX after speaking to a account manager. The manager gave me the fees back and for some reason the funds didn't post immediately which they always did or either showed pending and no other fees would accrue. Well the fees cause a small transaction to cause another overdraft and I was charged fees until the account closed. The fees totaled XXXX XXXX and XXXX XXXX dollars. I attempted to resolve this with the bank numerous times which they refused to do. I am wanting the account resolved to a XXXX balance because It wasn't my fault that the item overdrafted.
Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies.
I have written to these agencies disputing credibility of the debts alleged in my files.
However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts.
I am frustrated at this point because I dont have any other cause of action and I hope you can help me here.
In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as XXXX XXXX XXXX XXXX on six months contracts. I therefore, Paid 2month rents in advance starting fromXX/XX/XXXX throughXX/XX/XXXX. In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX u
pon my return from XXXX Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment.
I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies.
Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting.
I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files.
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Please I need it removed immediately.
Thanks