WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, my loans were transferred from XXXX to Navient. I have continued to pay more than what is due on time every month. Now, it is time to re-apply for Income Based Repayment plan. I submitted the application through Studentloans.gov, and then received an email back from Navient on XXXX XXXX, XXXX stating that they had received the application. On XXXX XXXX, XXXX I received another email from Navient stating that my payment amount had gone up. Since my income had decreased, and I had applied for IBR, I knew this was innacurate. I emailed them back stating the problem, and received a confirmation email on XXXX XXXX, XXXX that stated they had received my inquiry and would get back to me soon. I never heard more about the matter. Then on XXXX XXXX, XXXX I received an email with yet another new payment, this one a few dollars less. On XXXX XXXX, XXXX I called to get the problem fixed. They told me they would defer my payments for a couple of months, and give me time to complete an IBR application. I told them I already had, and that they had emailed me that they received it. The person I spoke with said to wait until the end of the week. On XXXX XXXX, XXXX, they emailed me three times. One that gave me repayment options. The second that said there was a new document to view, which was information on how to submit the application for IBR. This email states that the best way to apply is to go to Studentloans.gov and apply. I have already done this. The third email said they were still waiting for me to submit the information to process the request. I have no idea what information this is. On XXXX XXXX, because I still had n't heard anything, I decided to submit the IBR application again through Studentloans.gov. On XXXX XXXX, XXXX I received an email again from Navient that they had received the IBR application. On XXXX XXXX, XXXX I received another email from Navient that showed my payment had again increased even higher. Then on XXXX XXXX, XXXX, after hearing nothing from Navient, I again emailed to get the problem fixed. They sent an email of confirmation that my request had been received. And today, XXXX XXXX, XXXX, I have received another email from Navient reminding me that I need to return some sort of information to process my request. But it does n't tell me what this information is that they need. When I go to my account on the Navient webpage, no where does it say that I have to submit any information. In fact, I ca n't even find the documents that have been submitted until I go to the old website. I have been doing my best to pay off these student loans with the limited amount of finances I have. Navient has just given me the run around, and increased payments so that I can not afford to pay.
I requested to close this credit card with a XXXX dollar balance. On XX/XX/XXXX I received an email confirming my account was closed. Additionally the account showed as closed in my online account on their website. In XX/XX/XXXX I received a letter in the mail stating they have closed my account due to a past due balance and that past due balance was an annual fee charged on XX/XX/XXXX. 

I contacted Barclay to resolve this but nothing was done and nothing was answered. This is an error by the bank to charge me an annual fee after I closed the credit card and now they have reported me to the credit agencies to destroy my credit!
For several months now, I 've been getting daily calls from Sterling Jewelers/Kay Jewelers. There are multiple Business names under the parent company. The initial calls were a script message to a person that does not, nor ever has lived at or resided in my home. The message gives an XXXX number for the non-resident they are attempting to reach. The calls originate from various phone numbers across the country. I 've researched a number of them and they all seem to originate from XXXX of the many jewelers stores under the parent Sterling Jewelers. On a few occasions, I returned the call by calling back to the number on " caller ID ''. I explained that these nuisance calls were intended for someone that DOES NOT live and has NEVER lived at my address. I explained that they definitely have the wrong number and must stop these nuisance calls. On all such occasions, they told me that they are recording my information and would remove my phone number from any future calls for credit collection. To this day, I still get daily calls from these people. 

I 've been keeping track of the phone numbers that these collection calls originate from and I have compiled a list of XXXX different phone numbers that they have used in making calls to my home.
I was a XXXX customer. I cancelled their service in XXXX. I have still to this day not received my final bill from them. 45 days after cancelling their service they automatically charged my debit card for XXXX without my permission. They say that it is in their terms and conditions that they are allowed to do so, but are unable to provide me a copy of the SIGNED terms and conditions. I called my bank, JP Morgan Chase, and they pretty much told me that since it was in XXXX 's terms, once again that they are unable to provide, that they were not able to further process my complaint and pretty much told me i was on my own. Mind you that I have never been signed up for any automatic bill pay or anything with XXXX. I would gladly pay my bill as I have excellent credit but on my own terms and with the payment method of my choice.
Ca n't remember but said it 's been owed since 1999 to Automotive Credit Corporation
Recently I learned that I have been victim of identity theft. I have find that some one unknown to me has used my personal information to get themselves credit and because I was not receiving any statements from different credit card companies some items ended up in collection which I had to hire a company to take care of the matters for me. I assumed everything in my credit report was cleaned up until a month ago when I decided to get a new job and I knew that who ever I apply for employment they are going to pull my credit report. I did that my self and purchased a copy of my credit report and noticed that there was a collection account from BEST SERVICE COMPANY for an unpaid XXXX account. I immediately wrote dispute letter to credit bureaus then I wrote a dispute letter to BEST SERVICE COMPANY and explained my situation to everyone. XXXX f the bureaus they removed all the negative items but XXXX still indicating the account from BEST SERVICE COMPANY still is in my credit report. and I have not received any response back from BEST SERVICE COMPANY.
I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.
Ordered computer from Best Buy with my CITI credit card. {$1700.00} Cancelled order within hours of making it and within B.B XXXX ; documents.Never received product. BB has documented authorizing CITI to refund my money. I have provided CITI with extensive documentation of BB authorizing them to return my money. CITI ignores it even though they have the documentation. Documentation shows that CITI is ignoring it 's own rules by pushing back when I can get my own money.
I had a credit card from Chase Bank USA from XXXX until XXXX XXXX. I negotiated a settlement of the balance in XXXX XXXX. As part of the settlement, Chase agreed that there would be no negative information posted on my credit report, and the loan would merely state : " Legally paid in full for less than full balance. '' In XXXX, Chase wrongfully placed this item in my credit report as " negative ''. I contacted Chase and they agreed that I was correct and they removed the " negative '' mention. However, in XXXX, Chase again reported this account as " negative ''.
I was called by a company called XXXX on XX/XX/2017 at XXXX in regards to a defaulted loan through Check Into Cash in XXXX. I explained to the collector that i am homeless and have been since late XXXX and he started swearing at me and calling me a liar and threatening to have me arrested and sued. His behavior was abusive and hostile.
I am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with XXXX, bringing my XXXX score to a XXXX. My mortgage lender uses Credit Plus to pull credit reports & rescores. In an effort to bring my score up 2 points with XXXX, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points  with XXXX! Credit Plus and lender had no idea how or why. Credit Plus contacted XXXX, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. XXXX  corrected the information. However, according to Credit Plus, XXXX said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

XXXX is pointing the finger at Credit Plus, saying they corrected their mistake, and Credit Plus can request a new score. And Credit Plus is  pointing back at XXXX saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by Credit Plus. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XXXX XXXX, 2018. Also, no one from Credit Plus will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to XXXX & Credit Plus is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, Credit Plus has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.
I was scammed by someone in Florida when I stay in Mississippi on  XXXX   XXXX  ,2017. The y took {$730.00} off my card and I have not received the money yet and it 's  XXXX   XXXX  ,2017. Ini tially they told me it would tak e 30  to 45 days to dispute this matter and today they tell me it  will 45 to  90 days. They are giving me the run around and not being truthful!! I need help
The company had send bills and other documents. I  have request information from regarding Financial Aid that should have cover this balance. The company has closed this debt and did not remove it off my credit reports
I received an email supposedly from ACE SETTLEMENT DEPARTMENT, threatening to sue me for over {$4500.00} unless i paid a settlement of {$270.00}. Also threatened to press charges and send me to jail for 3 years and seize all of my bank accounts and assets if I do n't reply and pay. They had my correct SSN # and place of employment. I was told to reply to XXXXXXXXXXXX. 

I have used ACE in the distant past and if I owe a debt, I am willing to pay but I need a letter of proof. This email was threatening, as well as major grammatical and spelling errors, very unprofessional.
I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
I have been reported for : SUSPECTED FRAUD ACTIVITY according to XXXX byBANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX opened a checking account with Bank of America over the internet XXXX 2010, Once notified, I went to the local bank on XXXX XXXX XXXX, XXXX XXXX and signed the signature card, etc. A few days later I tried to log into my account and it had been closed. I was upset since I had money in the account, so I went up to the branch. The guy said the account had been closed and would not offer any reason except that I would never be able to have an account again and they would mail me the balance from corporate. 
This is very concerning since I never did anything wrong, never overdrew the account or done anything at all. I am just now finding out that this was reported as suspected fraud activity. 
I would like to know exactly what I did that was fraudulent. I want this removed from my record. This is totally dishonest behavior by the bank.
XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX The companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. 
I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account. 
Thursday, XX/XX/2018, I called XXXX XXXX Company. I spoke with a XXXX XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of {$550.00} was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed. The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX for {$550.00}. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report. 

XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX UNVERFIED
Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. I contacted the companies reporting the items as well. I filed a FTC Complaint as well. It appears that Equifax is the only credit bureau that was noncompliant to my request. Equifax has not responded and not demonstrated that they've thoroughly investigate per Federal Law. This is a serious error in reporting and I would like this matter to be resolved.
I have a FHA residential mortgage for my primary residence. The mortgage loan originatorwas not licensed as a loan originator in North Carolina. The residential mortgage lenderXXXX XXXX XXXX & XXXX signed a multi-state enforcement agreement with XXXX Commissioner of Bank on XX/XX/XXXX. My FHA loan was originated on or aboutXXXX XXXX, XXXX. I have filed a Complaint with the XXXX Commissioner of Banksregarding XXXX XXXX XXXX XXXX XXXX continued pattern of noncompliance violatingstatutory and regulatory laws. ( N.C. General Statutes, XXXX. Mtg. Licensing Req., HUD regualtions and CFPB regulations. Pursuant to FHA HAMP programs procedures, I request that my mortgage loan account be Escalated accordance to HAMP procedureduring the loss mitigation process. On or about XX/XX/XXXX, I submitted a appeal forEscalated Case review. On XX/XX/XXXX, I faxed a complaint to HUD XXXX about XXXX XXXX XXXX XXXX XXXX failure to Escalate my appeal according toEscalation procedures. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX thatmy file was closed, On XX/XX/XXXX, I submitted a Complaint to North Carolina BankingCommission regarding XXXX XXXX XXXX & XXXX. On XXXX XXXX, I responded to XXXX XXXX. 
XXXX letter dated XX/XX/XXXX. Additionally, I have made Qualified Written Request under RESPA and have yet to receive the name and address of the investor /guarantor and Pool ID and other relevant contact information about the owner of my loan this QWRwas submitted via email on XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXXacknowledged receipt of my QWR. On or about XX/XX/XXXX, XXXX XXXX XXXX initiatedforeclosure process during my request to have my appeal Escalated for Case resolution. 
XXXX
I used Transunion to receive a free credit report. At no point was there any indication that I would be charged and I obviously gave them my credit card information in good faith since they needed it for my credit report. I have not received any receipts, emails or further information but finally noticed a charge on my credit card. Apparently they have been billing me {$19.00} per month since 7 days after I got my report. There is no way to cancel the subscription online. They provided no services for that money. They gave me no receipts. Now that I have called, they have allegedly canceled my account. Still, I am out {$100.00} now. I have attached the receipts I just obtained off the website as well as the bottom of my Credit report ( the top is omitted ) which clearly states that I should be charged no more than {$8.00}.
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} AND ANY OTHER ACCOUNT IN YOUR OFFICE ASSOCIATED WITH MY SS # Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I recently received a recent copy of my credit report and I am stunned to find out that this company has placed false information on it. I am very stunned to see  XXXX  open accounts that this company is reporting to the credit bureaus totaling {$19000.00} therefore I am demanding VALIDATION and HIPAA authorization.Under the law I am allowed to protect my privacy and medical records from third parties. I would like to see an actual contract between me and this company. One that I actually signed and that they actually signed as well NOT some bill or computer generated statement with my name and their account number on it. I would also like to see proof of monies given to me with an accounting of every cent used, every cent paid, every bit of interest applied, and the date any of those events occurred. I imagine you can understand my frustration in trying to resolve this issue considering this company never contacted me via phone or certified mail if this debt is indeed valid and indeed is mine. This is my next step because I 've tried to resolve this issue via the credit bureaus and BBB but to no avail
Navient began calling me several months ago, saying that I had a payment due. I knew this was not the case as I did not graduate until XX/XX/2016 ( XXXX until that point ). I was told they were contacting me on behalf of XXXX XXXX as my account was in collections. So, I contacted XXXX XXXX directly. I made sure they had my enrollement verification on file and that all was well. However, Navient kept calling SEVERAL times a day - both me and my mother. On average, they call my cell phone 7 times per day, my mothers cell phone 7 times a day, and her office 5 times per day. Sometimes a few more times, never any less. I started ignoring the phone calls as I was told by XXXX XXXX that I did not owe them any money. Navient began leaving voicemails for both myself and my mother each time they called. The voicemails always last at least 30 seconds, but there is never anyone talking, all you can hear is background noise ( people talking at a distance ). Oftentimes when they called, the phone would ring for about 5 seconds and they would just hang up. At this point, I began to suspect that it was not actually Navient trying to contact me, but someone attempting to steal my identity. What credible company does things like that?? At one point, I answer their call, and they tell me they are calling on behalf of my federal student loans and that I was delinquent and needed to make a payment. I knew this was not the case, so I hung up immediately. Today, I decided I had finally had enough. I called Navient and spoke with someone, demanding they explain why they had not stopped calling me. It turns out that Navient purchased one of my loans FROM XXXX XXXX, THEY WERE NOT CALLING ON BEHALF OF XXXX XXXX AS THEY HAD TOLD ME IN THE FIRST PLACE. After being transfered to speak with a supervisor, I told him I had no idea what had been going on as I had been misinformed by several of Navient 's employees in the past. I told him I would upload my enrollment verification form immediately so that I could use up the rest of my grace period. The supervisor then told me that it was too late and I was no longer entilted to the grace period and I had to make a payment at that exact moment or else my delinquincy would begin to show on my credit and my mothers credit ( she is the cosigner ). I insisted that I knew I had a legal right to 6 months grace period, starting at the moment that I was no longer a XXXX. His tone and words began to change slightly, but told me that I would need to call back in an hour after I had uploaded the verification form to see if they would be able to complete the request in time to avoid credit reporting.