WillisBack/dataset-financial-user-claim huggingface dataset:
Between XXXX and XXXX, and on numerous occasions, I was pushed towards refinancing options that would have eliminated my rights as a federal student loan holder. 

Navient suggested that refinancing all my student loans to one " average rate '' would save me money, which is simply not true. I fortunately did not pursue this option, because I learned that I would no longer be eligible for forebearance or deferment of my loan. 

I feel the need to report this misleading practice because Navient may target other unsuspecting young individuals in a scummy attempt to line their pockets with more money.
XXXX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
I tried to open an XXXX checking account, and I was denied even though my credit score was over XXXX. With seven years of a full time job, no student debt, auto loans, or any loans period, I was denied a savings account even though I already have XXXX at XXXX XXXX XXXX. After my first denial, I called XXXX XXXX, and the company encouraged me to try again, stating they did not conduct a " hard credit check. '' After my third try over five months, I finally received a letter from Ally, stating CHEXSYSTEMS INC was unable to verify my identity. Then, in order to gain access to the full report, I had to complete a form on CHEXSYSTEM 's website that asked for everything from my current address to my social security number - extremely sensitive information. Instead of completing their application, I called the listed number ; however, the only thing the company has on the end of the line is an automated voice mail. In addition, XXXX was unable to " supply specific reasons why [ they ] have denied [ my ] application. '' So, after being promised my credit score would not be affected, my score actually dropped over XXXX points!
I was with XXXX back in 07 they never gave me the option to refinance the loans and put my loans in forbearance now I owe as much as a medical student for a XXXX degree from XXXX
School name : XXXX XXXX University XXXX XXXX XXXX XXXX location : XXXX XXXX, MO I am having the very unfortunate experience of having Access Group as XXXX of my private student loan lenders. They turned my account over to a nightmare collections agency, XXXX XXXX XXXX, without even having the decency to notify me. After I was contacted by XXXX, which calls at least 5 times a day, I contacted Access Group in the hopes of somehow rehabilitating my debt. The representative claimed to have left me voice mails ; however, my phone does not have voice mail! Then, she claimed to have mailed me statements -- when I inquired as to what address, it was an incorrect address. I informed her that was not my mailing address and that I did n't have voice mail, but she did n't care and refused to work with me. She said that my only option was to deal with the debt collector, TWE. I ca n't believe Access Group did n't care that they are ruining me financially. This is affecting my health, which is n't good to begin with. Their debt collector is rude, and even after it was made clear to the debt collector that I have no money and no sources from which to borrow money, the collector encouraged me to borrow thousands of dollars ( by the end of today ), even if I had to put it on a credit card ( or someone else 's ). I pressed, without luck, for alternatives. He would n't give me any. I am hopeless and scared. Please help.
On  X/XX/2017     Cash 1  in  XXXX , Arizona withdrew unauthorized amount of {$58.00} by writing a random check number to use to take money electronically out of my bank account. On   XXXX    , this same company also used another random electronic check number to withdraw {$58.00} out of my bank account.
I needed to wire funds for a mortgage closing and the bank refused to do a wire over the phone, even though I offered to sign whatever forms and fax in whatever verification they required. I do not have access to a branch because I have moved and there is no US Bank in Florida. The US Bank website says you can do immediate or next day transfers which would also help because I could transfer to a FL bank and then wire, but when I went to do that instead it would n't let me because I was above the transfer limit. I am unable to access my own money via wire and it may result in me loosing my home. This is unacceptable!
Around XX/XX/2017 my girlfriend started a student loan application with Discover, I offered to be a co-signer. On their website they show XXXX XXXX XXXX XXXX as an elegible college that they offer their services too, so we decided to go through with it cause that's where she wants to study. After Discover inquires our credit and approves a loan, we negotiate the repayment process and interest rate, and they proceed with the certification request to the school, only to be turned down cause according to the financial aid department at the school they only accept federal loans or scholarships, not bank loans. 

I procceed to talk to XXXX different supervisors from Discover about this discrepancy and they could only escalate it to corporate, and told me to wait about 40 days for a resolution, I call today well over the timeframe to hear that Discover XXXX cancelled my request for removal of both credit inquiries basing themselves on that the school does meet the requirements to be on their website, I told the last supervisor that the information is very misleading cause why offer a product on a college that does not even accept it, even after providing sensitive information. As soon as they denied my request I called one of the credit bureaus, and they can only remove it if the bank sends a letter to them stating that it was a mistake in which they didn't, then the agent gave me the contact information for CFPB, XXXX answered and provided me with this method of submitting a complaint. 

Hopefully I can get those credit inquiries removed and they can remove that misleading information from their website, saving future consumers a headache.
On XX/XX/XXXX I went to XXXX XXXX and applied for a credit card. When checking with Experian I was advised that my credit was frozen and I could not get the card. I called Experian and could not talk to a human. I applied for a temporary freeze lift and was advised it was approved. When checking back with XXXX on the XX/XX/XXXX the freeze was still not lifted, and when checking again with Experian, they not only did not lift a freeze but voided my pin #. Still never got a live person, sent an e-mail to them, no response and sent a letter to their local office, marked urgent, asking for their help. Never got a response. 
On SaturdayXX/XX/XXXX I applied for a permanent un-freeze of my credit report. I paid a {$5.00} fee which I have a copy of the statement. I received a written confirmation on my computer that the freeze was lifted. 
I waited until XX/XX/XXXX to call XXXX to see if the freeze was lifted. It still wasn't! I re-applied to Experian and have a written note that my credit was not frozen. There was a mis-communication between XXXX and Experian. I was never able to speak with a person at Experian. This is a disgrace.
XXXX   XXXX   XXXX , willfully violated Chapter (  XXXX  ) The failure to disclose in the initial written communication with the consumer  XXXX   XXXX   XXXX , violated chapter (  XXXX  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ).  XXXX   XXXX   XXXX , willfully violated  Chapter (   XXXX   ) T he failure to disclose in the initial written communication with the consumer.      XXXX   XXXX   XXXX , willfully violat ed Chapter (  XXXX  ) The fa ilure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.     I sen t Capital One  a dispute letter dated  XXXX   XXXX ,  XXXX  attached an d Capital One  failed to respond. But   XXXX   XXXX   XXXX   sent me a letter dated  XXXX   XXXX ,  XXXX  where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me.     They are civil for damages for their viola tion 813. Civil  liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal a ct and they willfully violated the federal law.
I went to school in XXXX, FL - XXXX XXXX XXXX. I graduated in a year that the economy was collapsing and jobs were nearly impossible to find. I was unemployed for almost a year after graduating from college. I called XXXX, now Navient, to ask that I have my loans deferred. The gentleman on the phone told me that I was all set and had been granted a deferment and that I would not have negative reporting on my credit score. As a young man, I am aware now that I was naive in believing that was enough - I hung up the phone in good faith that all was well. After the deferment period, I immediately began to pay almost double my monthly payment to pay XXXX back for the 7 months that I had no means to pay them. Now, almost 3 years after the incident, I pulled my credit to find they have reported XXXX missed payments ( XXXX student loans, XXXX missed payments each for the 7 months I could not even feed myself let alone pay a student loan ). I called Navient and told them of my situation. They said there is nothing that they can do for me - they do not remove negative information reported to the credit bureaus. I explained the entire situation to the man on the phone and his response was " I 'm sorry I often hear about people being misinformed by XXXX XXXX, but we are Navient and this is how we work - we will not be removing the negative information ''. Just because Navient bought out this company does not mean that I should suffer ... XXXX XXXX agreed to report no late payments to credit, and Navient should be upholding this promise to me. Especially since I have faithfully paid them double what I should be paying monthly. Thank you for your help.
There are wrong items in my report Co urt US BKPT CT  NJ  XXXX  - #  XXXX    XXXX     XXXX  - Account #  XXXX  ''
Nationsar Mortgage is not acting in good faith as I attempt to short sale my home. 

Property originally listed on auction site and did not disclose the HOA assessments and that they have to be paid in full at closing, even though this was disclosed to the lender on several occasions. By not disclosing the full details of the property, they are misleading potential buyers and thus causing buyers to initiate releases once it is determined the loan can not legally close without additional payments to the HOA. 
We have submitted documentation to them showing that the HOA assessment is a legal requirement of the development and must be paid in full ; they are refusing to submit the file to the investor for their review and consideration of the new HOA assessment facts. 
Servicer was speaking to the auction buyer even after they signed a release and was trying to move their offer forward after receipt of a new executed offer in their systems. Once we educated them on contract law, they discontinued their illegal communication with the previous buyer immediately. 
Manager stated she would submit all of the HOA documentation to the investor for their consideration before we countered the buyer, however, she is no longer honoring her original instruction. 
All of the delays/negligence is causing direct harm to you as the seller as it is pushing you closer to foreclosure, more harm to your credit scores and increased tax consequences. 
The negotiator assigned to this file is not only rude and unprofessional but seems to be working against us and not with us to get this file moving forward. We have asked several times to have her removed from this file at no success ; this is a compliance requirement of the lender when a 3rd party asks for reassignment. 
The counter we just received is inflated as they were going to accept the auction buyers offer of $ XXXX ( without the auction premium ) and now they are countering at $ XXXX to cushion their bottom line in order to offset the HOA costs. This directly harms you as the homeowner, but also forces a buyer to pay an inflated price on the property which then causes further harm to the development and economy as prices inflate to unreasonable and/or unsubstantiated values
I was contacted by Premiere Credit about removing my Wage Garnishment from a defaulted student loan. I wanted this removed so I could start paying back the student loan without further damaging my credit, so I agreed to a XXXX program that had me pay a set amount each month on time to remove the debt. I was told that after the XXXX month had been paid, I was to contact them to remove the auto-payments from my account and discuss how I would start to pay directly to my loans and remove my wage garnishment. 

I have tried to contact them for a couple weeks now, but each time I call their number and try to speak with a person, it says that their lines are too busy and I should leave a message for them to call me back. I have done this a XXXX times as well as e-mailed them and still no one has contacted me a XXXX later.
I received a credit card from Chase ( labeled as XXXX rewards XXXX ), without ever applying for it. After calling chase, to inquire about what was going on, they rushed to cancel it without providing me any feedback on what has actually happened. They also did not give me the option to keep the account and re-issue another card ( I figured the harm was done and my credit score was already hit, why not keep the card ). After seeing I can not get the information I was expecting from the customer service on the phone ( as I was worried about identity theft ), I had to make a visit to their branch and was given the contact of the " Fraud Specialist '' who was working on my case. 

Talking to her, I realized how uninformed she was on doing her job. She claimed " hackers '' were able to obtain my information such as email and mother 's maiden name to apply for the credit card and take advantage of saving XXXX dollars in XXXX. The only way that I could see this happening, is one should be able to get my XXXX user/pass ( as the XXXX account has been working before and after this event and I did n't see any fraudulent activity ), then apply to that credit card on my behalf, and most probably be forwarded to the chase web site where he/she should have answered some credit-related identity questions ( credit report does not include anybody 's email or mother 's maiden name ). That is a large amount of private information ( XXXX user/pass and correct answers to credit-related identity questions ) and if the hackers had access to them, they could have done a lot more harm than just saving XXXX dollars in XXXX. I have had a credit monitoring service since that time and have not seen any problem in my XXXX account and/or credit report. I also need to add that I am quite well-versed in IT security and computers ( I am a XXXX myself with experience cryptography ). So the possibility of somebody hacking into my computer is negligible to none. 

Searching internet, I found a lot of other people in my shoes ( and sometimes a large group of people, check http : //optometrytimes.modernmedicine.com/optometrytimes/news/developing-story-ods-targeted-credit-fraud for example ), to me it looks like there is a loophole between XXXX and Chase, that hackers have been trying to take advantage by bypassing the XXXX account login and Chase credit-related identity questions. Hopefully there are more experts in chase handling similar cases and they are more experienced on these topics than the one I interacted with. 

Finally, I was told that the credit inquiry from XXXX will be removed from my report in XXXX days. The above happened in XX/XX/XXXX and XXXX months later ( XX/XX/XXXX ) I can still see the credit pull. I want that entry to be removed from my XXXX credit report.
Dear CFPB - please see the information below - this is NOT a duplicate - I am requesting your assistance to get OCWEN to correct erroneous CREDIT Reports and charging late fees for payments made as agreed in the RESPA. This is NOT a duplicate request. Thanks XXXX XXXX Print complaint Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT FOR CFPB : I do not believe just sending this complaint to OCWEN will resolve the issue. I have not seen anything different from my trying to resolve the issue directly with OCWEN. OCWEN clearly shows they began servicing my mortgage on XX/XX/XXXX, IAW the RESPA, and their records clearly shows ALL payments made on time with the right amount of mortgage payments. OCWEN continues to report Mortgage servicing by a PREVIOUS mortgage company and bases their records on WRONG information. IAW the RESPA OCWEN began servicing my Mortgage Loan on XX/XX/XXXX, NOT XX/XX/XXXX, through today,. OCWEN 's records and mine CLEARLY shows there has never been a late payment since XX/XX/XXXX. ALL payments always made as specified by OCWEN and ALWAYS before the required due date.There has never been a late payment to OCWEN. IAW verifiable records. PLEASE CORRECT : IF OCWEN cares to report to the CREDIT Bureau 's it should be CORRECT and IAW with the RESPA. from XX/XX/XXXX NOT XXXX, through today. There should NOT be any late charges because the monthly mortgage payments are always the CORRECT amount and always paid to OCWEN on time. AGAIN, OCWEN should be reporting for the period they serviced my mortgage, XX/XX/XXXX, IAW the RESPA from XX/XX/XXXX through today. XXXX began servicing my Mortgage on XX/XX/XXXX through XX/XX/XXXX. I have records showing the mortgage payment amounts to XXXX were specifically stated by XXXX and the specified amounts were always paid to XXXX on time, NEVER Late and always the amount specifically specified by XXXX. IF XXXX reports to the credit bureau 's it should be accurate. RECORDS clearly shows the CORRECT Mortgage amounts as specified by XXXX were always paid on time. Please correct the WRONG reporting. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Marked as duplicate STATUS Marked as a duplicate complaint on XX/XX/XXXX
Multiple Equifax agents have refused to open a dispute on an address being reported incorrectly. I asked for the contact information of the creditor reporting the information. I was told by XXXX ( id # : XXXX ) there's no record of the creditor reporting the address. In addition, I was told I need to prove or disapprove the validity of the address in question. I was dismissed when I reminded the agents of the law requiring the agency to investigate and come to a resolution with 30 days. 

Also, Equifax has made it impossible for me to access my credit file online or phone and extremely difficult via phone. I do not have this issue with the two other agencies.
My Discover Card is charging me {$41.00} for a magazine subscription I never ordered. I contacted Discover and finally they claimed to have found in my favor and would take the charge off the card. Then a month later, they reversed their decision and tried to charge me again. I contacted them again and they took it off the credit card. Yesterday I got a letter saying they are charging me the {$41.00} again. This is a fraudulent charge and Discover will not take it off the card.
Stoneleigh Recovery Associates/The Bureau did not validate the collection placed on my account and was required by law to remove the collection from my file in XXXX 2017. 60 days later they placed the collection back in my file without providing myself or my legal representative proof of debt validation. To date, they have not provided proof of debt validation and did not notify myself or my legal representative that they would place the collection on my file again ; a collection that has been disputed, removed once and still not verified by their collection agency. I have not been contacted via telephone, email or written correspondence since the collection was first removed from my account.
I canceled my contract with XXXX XXXX which incurred a debt of {$300.00} in XX/XX/XXXX. I sent a check to collection agency Diversified Consultants in the amount of XXXX which posted to their system on XX/XX/2017. I called to verify that they had received the check. While I was working with the collection agency, XXXX XXXX charged my checking account an additional {$300.00} without my authorization. Which created an overdraft on my account. I was able to call the bank and get them to reverse the charge since I was able to show that I had already paid the bill to the debt collector. On XX/XX/2017 I received a call from Diversified Consultants stating that I did not pay any debt. I tried to resolve the overcharge with both XXXX and Diversified but neither company was willing to work with me. XXXX told me that I would have to wait 90 days to contact XXXX to begin the process of recovering the overcharge. Diversified told me that it was my fault because I chose to send a check instead of giving them access to my checking account.
Wells Fargo Home Mortgage keeps sending me information on a loan modification I did not request. Wells fargo home mortgage keeps advoiding what I have requested. They also send documents that has nothing to do what I have requested. 

No loan modifications documents has been requested.
Santander is reporting as if the loan is open and new this account has been closed since XX/XX/XXXX. The is falsified reporting on my credit that 's against the law. It report balance of XXXX as of XXXX/XXXX/XXXX. XXXX XXXX XXXX/XXXX/XXXX
Several years ago I went to a XXXX local dealer. I purchased an XXXX, for surfing the internet. I signed an agreement, two years, I believe. 

The next day the card quit working. I went to the same dealer, and was advised they [ XXXX ] were going to void the first contract and roll everything to a new contract with a new air card. 

More plainly speaking, I would still only have XXXX account. 

I recently tried to rent an apartment and found out that XXXX is reporting in a negative manner to my reports. 

I sent a dispute letter and they [ XXXX ] failed to respond. I am now going to file an FCRA action, after I dispute directly with the credit bureau first. 

I understand you may not act on my behalf, in a legal capacity ; however, I want to exhaust all administrative remedies. 

Thank you in advance for your assistance.