WillisBack/dataset-financial-user-claim huggingface dataset:
Navient ( formerly XXXX ) has been harassing me DAILY, calling my work/office phone numbers ( in-office and work mobile ), as well as sending me faxes at work and calling my personal mobile phone number throughout the day. They are jeopardizing my job with this incessant harassment. I have sent them a cease and desist letter, as well, and I have copies of this.
I allowed my son to use my account and he paid the bill. Upon his passing we found out that the balance was over {$17000.00}. and we were told that because the account was in our name we were responsible. Our credit limit was XXXX, very sufficient, but Home Depot took it upon themselves to extend credit beyond that amount. I feel that we should be resposible for only charges upto the credit limit. I have never heard of any credit card extending credit without the knowledge, consent or request of the card holder, but I guess with approx. 24 % int. they did n't care.
After correct reporting for 6 years, Experian suddenly starts reporting my bank credit card was subject to a chap XXXX bankruptcy. My bank XXXX XXXX, has correctly reported this account was exempt, fully paid every single month for over 6 years, open, and had a XXXX balance at time of incorrect report. XXXX has previously call Experian the last time they screwed it up, that stayed fixed for 6 months, now revert to incorrect report. 
Please forward this complaint to the FTC, as their penalties ate not effective in correcting the biased CRA reporting. They continuously violate CFPB, FTC, and FCRA regulations and display utter disregard for consumer interest.
I received many calls from a debt collecter to the point where I had to change my phone number. This is a debt that is from 6+ years ago which I do n't have proof that I paid but in fact did pay. They have gone ahead and reported it in my credit reports. I tried calling XXXX last time in an effort to solve this issue and was threatned that if I did not pay they would contact my XXXX and contact my employer ( which they repeatedly called and that 's how we found out it was a false collection agency ).
I was encouraged by Sallie Mae to defer payments after school after I graduated in 2005. I started making payments approximately a year later as I was instructed to do so. In that time my loan went from approximately {$80000.00} to {$100000.00}. I am never notified of the interest rate changes before they change. I have paid almost {$75000.00} to the Sallie Mae and now Navient ( Sallie Mae sold my loan to Navient ) and my balance is over {$75000.00}. It just does not add up. I am going to refinance my loan with XXXX to a fixed rate b/c payoff date with this loan seems to change. I am so distraught over this and I have never missed a payment. When I call Navient I do not get clear answers and I end up waiting on hold for 20-30 minutes sometimes.
Told them is not mines and still wont clear and has reported to one of the credit bureaus multiple time with different amounts
I am a  XXXX   year   old    XXXX   with  XXXX  bachelors ' degrees, working full time plus per diem (  XXXX  jobs  )  in the poorest most crime-filled city in Massachusetts, and holds a record in the country as well,  XXXX , MA. Since graduating from my first degree in  XXXX  I have owed hundreds of thousands of dollars to  XXXX   XXXX   (  then becoming  Navient ) , a major lawsuit victim due to extenuating criminal activity. I have private and federal loans, both of which add up to way beyond my cost of living ( over  XXXX  in loans just to be a   XXXX   XXXX   ). I have tried for the past  XXXX  years to lower payments to something even close to reasonable, which I am not able to do. Payments exceed 1000/month. This is indescribable and morally wrong. I have since separated federal and private payments : my federal loans are under a forgiveness program due to my being a  XXXX  in a poor city hospital. This has helped a little and in   XXXX    years my federal loans supposedly will absolve. My private loans are still with Navient and even though I am on an income based repayment plan it is deplorable. I need help with finding a lawyer who can assist me in getting proper restitution with this. I can not tell you how many people I know who have little or no student loans due to some kind of assistance they have received, many not having the same due diligence as I. I am a US citizen, born here from other US citizens, working and paying taxes since I was  XXXX   years old . The amount of students  (  Including both  XXXX  Marathon   XXXX   XXXX   ) who have gotten aid in paying for school who do n't even deserve it, is reprehensible. Please help me in finding the right direction to make this right.
From XX/XX/XXXX-XX/XX/XXXXI attend XXXX XXXX College ( University ) XXXX Ma, and from XX/XX/XXXX-XX/XX/XXXX Attended XXXX XXXX  College XXXX Ma. I do not recall signing loan checks etc or paperwork for loan payments for the schools to receive payments. After graduation, I struggled to make payments but I did for several years. There was a time I had to file bankrupty for many factors, one I could n't find a job that would offer the salary that would allow me to live normally. Regardless of what the college said of " preparing me to receive a high paying job after graduation. '' I ended up in financial debt and had to file Bankrupty. I reached out to XXXX XXXX and they did not offer any solutions. After some time, they finally offered me different payment options. However, the payment plan was not reasonable and was very high. Deferments and forbearance only took a loan about 10,000 originally, and now it 's over {$33000.00}. Due to other hardships, I have not had the ability to " catch '' up nor have the ability to pay this loan. They have not returned my calls and not have been helpful. I feel as I was taken advantage of financially. They did not reasonably help me find a financially sound way to help me with this debt. It is now three times this size and only increasing. They did not give me options but only profited over the years on my hardship.
My student loan company has been Nelnet since 2006. 
According to my loan details, I have XXXX separate loans. XXXX for the amount of {$4400.00} and XXXX for {$9000.00}. Each loan appear to be charged 6 % interest rate separately. Therefore I 'm being charged 6 % on each amount instead of on the total which is {$13000.00} ( outstanding balance ). 
Therefore, I 'm being charged $ 6 % on XXXX different loans instead of XXXX ... which means I 'm being charged 12 % on a loan I took out 20 years ago for XXXX school and been paying for 10 years with Nelnet. Due this this, I still own {$4400.00} on an initial loan of {$5800.00} ( which means, that in 11 years with Nelnet, I only paid ... {$1300.00} ) and I still own {$9000.00} on an initial loan of {$11000.00} ( which means, that in 11 years with Nelnet, I only paid ... {$2700.00} )?
I am a victim of the breech and also a victim of identity theft. before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like these to be removed from my reports. 

XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX
I checked with Equifax to see if my personal information was comprised and I was prompted by Equifax to enter the last XXXX digits of my ss # and last name. I 'm shocked the company is asking for this information after a breach, and I pulled really XXXX move and entered my info and wife 's info. 

Here is the article - https : XXXX? XXXX
I refinanced my student loans with Nelnet. They keep asking me to go into forbearance when I have trouble getting work. 
My direct consolidated loans are = {$68000.00} Direct Subsidized A {$32000.00} and B {$35000.00}. 

Part of my now {$81000.00} loan has become so high with {$11000.00} in capitalized interest and {$1100.00} in accrued interest amounting to {$12000.00} in total interest is triple the amount of interest I should have paid on loans with a 6.25 % interest rate, which should have been only {$4200.00}. 

Nelnet told me there 's no way to stop paying such high interest and the interest is at least {$400.00} per month alone. I feel underwater and trapped with the amount the loan keeps climbing and need help.
On XX/XX/XXXX I obtained a credit report from all 3 credit Bureaus and seen a negative item reported by Kohl 's on XX/XX/XXXX. The negative item is a 30 day late payment. I have been a loyal customer of Kohl 's since XX/XX/XXXX and Never missed a payment. I have attempted to fix this with Kohl 's, but still appears on my credit reports affecting my fico scores across the board. I have asked Kohl 's to re check the History. The history shows I have been a very responsible customer paying on time. I have asked Kohl 's as a goodwill to please remove this negative report as it is damaging my consumer report and I am unable to get a good mortgage lender to give me a good rate. Mortgage lenders pointed out the fact of this Kohls negative mark.
This company is still reporting a paid XXXX tax lien whereas under the XXXX, I meet all of the qualifications and eligibility, per the IRS notice on IR- XX/XX/XXXX, XX/XX/2011
American Education Services/Pheaa recently reported my account delinquency status to the major Credit Bureaus in response to the account being delinquent. The Credit Report reflected a past due amount of less than {$100.00}, however, AES was requiring a payment amount of {$180.00}, as this was the standard figure per month. 

I 'll point out again, also, that AES should be stripped of changing due dates on any account, as they do n't handle those requests professionally and abruptly change due dates with little to no communication efforts at least 30 days prior to the account change. 

In addition, I would strongly advise AES to make careful considerations into who they employ to speak to borrowers over the phone, as some of the individuals who I 've dealt with sound very uneducated and are less cordial than any borrower would expect.
I have a XXXX bill that is way to much and it 's affecting my credit score never saw a bill that high please help me for it can get my credit score back on track
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX in the amount of {$1300.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
I am in Chapter XXXX bankruptcy. My mortgage was sold to Fay Servicing in XXXX XXXX. In XXXX I was struggling to make mortgage payments. I finally got caught up with my payments, as I was aware, in XXXX XXXX. In XXXX of XXXX I called my account manager at the mortgage company and asked her to tell me where I was in my payments. She never returned my call. It turns out at that point I was less than {$60.00} behind. I missed XXXX 's payments due to some car repairs. In early XXXX the mortgage company filed to remove themselves from the bankruptcy. On XXXX XXXX, I sent XXXX 's mortgage payment. Unbeknownst to me, the mortgage company changed their mailing address and never informed me. As a result, the payment was lost for approximately two months. Now Fay Servicing tacks on a {$900.00} attorney fee. For being what was basically one month behind in my payments. By the end of XXXX all payments were current. In the court hearing with Fay Servicing to find me in default of my bankruptcy agreement and the subsequent paperwork the trustee sent to me, I discovered that Fay Servicing once again changed their mailing address without notifying me. If it were n't for the paperwork received from the trustee, my payments would again be lost, and I would lose my home. I believe they are deliberately not giving me crucial information so they can foreclose on my home.
As of today, XXXX XXXX, 2016 I pulled my credit with XXXX and noticed that a new collection has been placed on my account. I also noticed that this was under a name and address not associated with me. I have recently, as of XXXX XXXX filed multiple complaints with the CFPB, FTC and all three ( XXXX, XXXX and XXXX ) concerning identity theft. I also understand that the original creditor is XXXX XXXX XXXX, to which I have never had an account. My wife and I have always split our utilities and she has always had XXXX XXXX XXXX in her name. Even so, her name as is mine, is not similar to the name being reported on my credit report. This needs to be removed immediately because this is indicative of identity theft.
XXXX XXXX XXXX I do not know this consumer never talked to them or taken or borrowed money from consumer. 

XX/XX/2017 I send a dispute through credit karma they refuse to move from my credit.
This company said they are a company that works for the CFPB. And when making arrangements to pay a debt, they are bound by laws to not make any false statements of any kind. 
What they did : 1. They told me and documented false statements of the amount of debt I owed. 
2. The company 's office at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ) went out of business with no forwarding address after all the debt was paid. 
3. They continue to have broken many fair credit laws and should have a criminal investigation done regarding their business practices. 
4. There license should be revoked due to this illegal practice.
XXXX XXXX keeps calling my phone at all hours of the day and night, threatening me with legal action, all for a debt supposedly owed by an individual named " XXXX XXXX '' ( I'm not sure if that is the correct spelling ) for a " debt '' owed on a " XXXX XXXX '' account. I have never been to a " XXXX XXXX '' nor have I ever done business with them in any way shape or form. They ( XXXX XXXX ) continue to harass me, even though on multiple occasions I have told them that I'm not the individual in question, and that they have the wrong number. The use robot calls, offensive language, threats of lawsuits, threats of " credit damage " and many more horrible, probably illegal tactics. I have tried to block their calls, but they just call again from a different or spoofed number. Please help, these horrible people are causing me loss of sleep, and stress that is worsening my health ( I'm a XXXX XXXX with XXXX  XXXX XXXX ) Ioften work 50 hours a week or more as an XXXX. I've done all I know to do with the exception of giving up  my telephone number that I've had for over 10 years, which would be a significant loss for me. Please help me win this fight for my sanity! Thank you for your time and help, any assistance you can provide means a lot to me!
My family and I have made on time payments every single month. These payments which total to {$290.00} per month have not in any way affected our overall balance EXCEPT by {$63.00}! Out of {$580.00} only {$63.00} has been put towards the actual balance. With an original amount financed which proof is included in the photo of {$9500.00} out of {$580.00} our balance is {$9500.00}. I have attempted to talk to these people  Exeter Finance  and refuse to deal with the ignorant misleading and predatory lending company that this is. I have read NUMEROUS reviews on this company regarding the exact same issues.
1 the entire amount was {$400.00} plus 2 I try to get my annual fee remove because I was n't aware of it. 
3 I closed the account so I can pay the amount little by little but nex mouth was XXXX or XXXX more 4 I wanted to pay them what I owe but the y keep on bringing the amount up 5 the were always extra fees or purchase from California I do n't live in California
Last month I tried to withdraw {$100.00} from my account and the machine ate my money, I contacted the atm company to get my money back, they gave me letter show that the transaction I made for XXXX dollars they never received it and told me to contact my bank about it, I contacted my bank and told them what happened with me and what happened when I contacted the other party, the chase customer representatives told me to send the document I have over the fax and he gave me a claim number. I have sent them the document I had over the fax with the claim number that the bank representative gave me, then he told me to wait 10 days for the investigation, after ten days I received a call from my bank they told me that their finished their investigation but they ca n't give me my money, I asked them for the reason, they said, you need to get your money from the other party, I told them I have already tried to do that ten days ago and I could n't, they said we 're sorry we can not give it back to you.. NOW WHAT SHOULD I DO TO GET MY MONEY BACK!!!
Approximately XX/XX/XXXX my son attended XXXX XXXX College. One of his loans which was a private loan through XXXX XXXX was in my name. Payments were automatically withdrawn from my account on a monthly basis. In XX/XX/XXXXI went online to check the balance of the loan and could n't sign on so I called XXXX XXXX and it was at that time I found out that my loan had been taken over by a company called Navient. I called and spoke to several representatives trying to get information about my loan but no one was able to help me. I asked to speak to a manager and was told that there was no manager, this was on XX/XX/XXXX I made five calls to Navient with negative results. I stopped the automatic payments thinking that if they did n't get my monthly payment that maybe they would call me, but I have n't heard from them and they have n't asked for any payments. I find that really strange however they ( Naivent )  were automatically deducting my money on a regular monthly basis and when I started asking about my balance they could n't or refused to give me information. I would like to know if Navient owes me any back pay or if I still owe on this student loan. Thank you
XXXX XXXX, XXXX we requested a Balance Transfer with American Express to pay off our XXXX bill in the amount of {$7300.00} They instead sent the payment to XXXX XXXX and we DO NOT have a XXXX Penny card. We disputed it several times and in XXXX XXXX they did a Balance Transfer to XXXX as originally requested but they refuse to credit me back for the original {$7300.00} that went to XXXX XXXX. They are forcing me to pay the original transfer of {$7300.00} to XXXX XXXX and I do n't even own a XXXX XXXX account.
I saw on the news this evening a woman who has a large amount of student loans and her story is very similar to my own. I knew that I would need to pay back my student loan, but the monthly payments were so high that I could not afford to pay the monthly payments. I have requested an income based repayment program to no avail and I can not afford the {$2000.00} per month payment. Now my loans have accrued so much interest and the payments are unmanageable. I have called and spoken with. numerous representatives from Navient ( formerly XXXX XXXX ) and each time, I do not get any solutions, just an option for forbearance. I want to make payments and resolve my accounts, I just can not afford the payment requested.
The first month my first monthly payment was due to my Barclaycard account, I assumed it was an honest mistake that my statement did not arrive to my address and dismissed it.This became an ongoing problem, as I at no point in time chose paperless billing for this account, and confirmed it when I once again called to make an over the phone payment, and have a late fee removed. I thought my mail was being misplaced by my family, and took action to enroll in text alerts in regards to payment due date. To this day I receive absolutely no mobile alerts in regards to my account, and accessing my account on my application, or on the Web seems to be impssible as it is always down. I have only received statements when requested by phone with a live operator, and when my account has gone past due status. I am hounded over the phone when the company has not received payment, but feel I have absolutely no obligation to them until they correct their mistskes. I do n't intend on paying them the more recent late fees as they have failed to produce a timely monthly statement as my other credit card companies do.
My student loans on my credit report are not reporting accurate payment details or information. The pay history is not accurate or complete. The account details are not reporting in chronological order or in a timely fashion. I would like the pay history update or deleted if not correct
I noticed several inquiries on my credit report after I pulled my report.

on XXXX  there is 3 inquiries I have no knowlodge ofXX/XX/XXXX XXXX XXXX  XX/XX/XXXX bloomingdales XX/XX/XXXX XXXX.

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...
I have an XXXX XXXX business card with Chase. My annual fee was coming due in XXXX. Since this is my biggest spending card with Chase, in late XXXX, I called to find out if there were any retention offers on the account. I was told by a customer service representative that they would waive the {$95.00} annual fee if I kept the card open but that he could only process it after the annual fee posted and told me to call back. Today, XXXX XXXX, I called again only to be told that there were no retention offers on my card and that the annual fee would not be waived.
Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or XXXX.
XXXX  shows i have 4 collections which is only 2 because of duplications. 
Thanks for your help.