WillisBack/dataset-financial-user-claim huggingface dataset:
I graduated from XXXX school in XXXX with student loan debt of around XXXX. Shortly after, I received separate bills from many lenders. To make it easier, I consolidated them all with XXXX XXXX in XXXX, XXXX and enrolled into an ICR ( Income Contingent ) because I was a XXXX a making only XXXX a year. Several times they suggested that I go on financial hardship and defer my loans. XXXX XXXX did not tell me that the interest would accrue and be capitalized. Also, XXXX XXXX did not inform me that once you consolidate you ca n't ever refinance your loans - my interest rate is at 8.25 %. Finally in XXXX, I transferred my loans to Direct Student Loans hoping I could refinance at a lower rate and still was on the ICR payment plan. Direct Loans in turn sold it back to XXXX XXXX in XXXX and never got to refinance. During these years, I have been working in XXXX XXXX to make more money to pay off my loans. However, there is a high turnover rate and I am unemployed almost every 2 years. XXXX XXXX would put me on unemployment deferment over and over and again - the interest would accrue and capitalize without any explanation/counseling on how this works. From XXXX XXXX, my loans were under ICR plans both with XXXX XXXX and Direct Student Loans for a total of 16 years. Navient told me XXXX that during the years my loans were with Direct Loans they would not count those years for ICR. Also, those years while they were with XXXX XXXX - those ICR years do n't count either, because they said " Navient is a different entitity and XXXX XXXX no longer exists ''. Under ICR after 25 years my loans should be forgiven - where did my 16 years of payments on ICR go? XXXX, I was unemployed again. I called Navient and they suggested I changed to an IBR plan because he found no records on my ICR plan because, " XXXX XXXX no longer existed and they do n't have those records ''. This was a bait and switch because in my next statement my loans went up XXXX in one month. I called and they said it was because I switched plans ( which they suggested ) so the interest accrued and capitalized. My loans have ballooned from XXXX to almost XXXX and the repayment plan years for forgiveness have reset under IBR. At age XXXX and recently XXXX, I will never be able to pay them back and am again unemployed with no retirement or savings. I was the only one in my family to go to college, had no idea what I was doing with regards to student loans, and was never counseled or received loan education. Their predatory lending has ruined my life and am seeking full resolution for their deceptive practices.
After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded " Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day, meaning within XXXX hours. 

Based on these assurances from Navy Federal, I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX, TX. A week later, Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available, and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of " miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless, none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check.
I have met the terms given by Carrington Mortgage Services , LLC in order to remove the PMI from my mortgage, I have sent a faxed request on XXXX separate occasions to have this done. I was told by a representative that a letter had been mailed out to me on XXXX XXXX, XXXX updating me, I have not received this letter. I have, however, received several other communications from the company regarding other issues such as hurricane relief and new billing statements dated after XXXX XXXX. I called and spoke with a supervisor for the company 's call center at the end of XXXX and she informed me that I would have to wait until XXXX in order to see a change. I have since chatted online with a representative, XXXX, who informed me that I would have to make my XXXX Payment and wait an additional 60 days for the escrow analysis. I am then told by that representative that they are not working in the department that actually handles that request and I can not speak with anyone in that department because they do not accept calls.
My loan servicer is Navient. I received payment from my employer ( XXXX ) for last year to go to XXXX of my higher interest loans but they spread the payments out to all of my loans. I have called then multiple time ( probably 5 or 6 ) to get this straightened out. I finally got the money applied to the appropriate loan, but now I 'm not sure how much extra interest was added to the loan due to them failing to apply my payments to it. Is there anyway to find out if I was charged extra interest due to their disregard for my payment instructions?
Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,
I opened Banco Popular XXXX credit card in XX/XX/XXXX and decided to cancel my card before I hit my annual fee in XX/XX/XXXX. I canceled it in XX/XX/XXXX through phone but I have been informed that there was no record of me canceling and has been charged annual fee/interest/late fee. I did call today XX/XX/XXXX to cancel and they did inform me that there is record of me calling in XX/XX/XXXXbut they don't know what that call was about. This is total fraud and they should share the record call and validate that I did cancel in XX/XX/XXXX. No company should run like this to get some extra fees on what I was known to be a " closed account '' I am sure Banco Popular customer service team sub-par so they probably won't even record/listen my calls or even read this CFPB complaints This fraudulant activity has lowered my credit score as I did not know that my account was open and they charged me annual fee/late fee/interest off of annual fee Please audit Banco Popular on how they are running their business and customer services
per fcra this company is entitled to provide proof to me regarding the debt to ensure it actually belongs to me.. I have made several request for them to provide proof and no proof has yet be submitted
Wife XXXX XXXX and I each applied for and received an XXXX XXXX XXXX from Chase Bank in XX/XX/XXXX. Part of the benefits advertised in the credit card solicitation was a free night annually ( on account anniversary ) redeemable at any property in the chain with no cap. Our card anniversary date is in XX/XX/XXXX, with first one being XX/XX/XXXX.

In XX/XX/XXXX, Chase announced changes to their program restricting the anniversary night from redemption at higher end properties. This change would go in to effect for any anniversaries after XX/XX/XXXX, but NOT apply to cardmembers who signed up XX/XX/XXXX-XX/XX/XXXX until their second anniversary, allowing them to get 1 free uncapped night their first year. Why would applicants from XX/XX/XXXX be excluded from this exception, considering they never received even 1 single uncapped night, and have held the card longer than XX/XX/XXXX applicants? 

This was false and misleading advertising as well as unfair discrimination.
I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, Equifax, and two on XXXX. The six on XXXX and Equifax were created by XXXX XXXX. The two on XXXX were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.
Received a letter from TD Bank on XX/XX/XXXXstating that I was {$34.00} short in my XXXX payment, and needed to pay by XX/XX/XXXX to avoid late fees.

I called TD on XX/XX/XXXX and paid the {$34.00} over the phone. I also told the TD Rep, XXXX XXXX, that the letter had arrived after the payment was already due. Furthermore, I pointed out that every other mortgage company I've ever dealt with has sent a letter to let customers know when the monthly payment changes, and has done so once per year, at most. TD has now twice changed the monthly amount due within a 12 month period, and did not send a letter either time. I have automatic payments set up, and I don't change them until I receive a letter that the amount due has changed. I asked that Mr. XXXX put in a request that the late fee be waived.

Received a statement in XX/XX/XXXX showing that I now owed over $ 10K because my late fee made my payment inadequate, so that 2 months of payments were in unapplied funds now. I called TD and in the course of the conversation, it became clear that the {$34.00} I had paid was not applied until XX/XX/XXXX, even though TD claims payments are applied in one business day and I had paid on XX/XX/XXXX, a Tuesday. We were told that the fee of {$190.00} had been waived, and everything should be OK now.

Received at letter dated XX/XX/XXXX stating that we still had not paid {$34.00}.

Called again and were told that everything was ok and that there would be no more fees.

Received a statement saying that we owe {$5200.00} including a new fee of {$190.00}. Furthermore, the unapplied funds were seemingly due to this newest late fee.

Called TD Bank today ( XX/XX/XXXX ) and spoke to XXXX XXXX who says that different systems are showing different information for our account and she will send the matter to research. She offered to update us next week.

In short, TD Bank continues to delay applying funds and then to charge late fees, which then cause the next month 's payment to be considered a " partial payment '' which results in funds not being applied yet again, and more fees. It is a vicious circle that benefits TD and swindles the customer. Trying to resolve this with TD only results in long wait times on the phone, more conversations that lead us to believe everything is settled, and then additional letters and statements telling us that our payments are deficient.
Applied for a Veterans refi with Quicken loans. After in-depth review my wife and and I got cold feet and advised Quicken ( several departments ) that we were not going ahead with the loan. 

Several weeks went by and then they ran the {$400.00} appraisal charge against our credit card. No appraisal was ever ordered, attempted nor completed. 

We have contested the charge with the credit card company. 

Loan # XXXX
I called the agency to follow up with my dispute, I was supposed to be transferred to an agent instead I was hung up on after being on hold for 10 minutes. I than called back and tried to resolve my issue the service agent said he could n't do anything they looked at the bill from the supposed place I received services. I said I disputed this with the other XXXX agencies and had no problems having it removed, because this never happened I did n't even live in the State at the time. I asked to speak to a manager. I spoke with a XXXX XXXX, he stated the same thing, he then called me a liar! I asked how I can prove this information and what he needed from me as I would be happy to send in what he needed. he stated that is for you to figure out, I said XXXX you are the agency what do you need from me. he said nothing, because we already have what we need. I said, but it is wrong and the other XXXX agencies know it 's wrong and this is affecting my credit. He then said here is an email address with no other information or what I needed to send in. He also threatened me by saying he is going to get the right information to the other XXXX agencies as I am a liar. I said sir these phone calls are recorded and he said he did n't care. They refuse to look into this as all they have is some supposed bill from the doctor 's office two years after supposed services took place at an address I had n't even lived at, at the time services were supposedly rendered. I spoke to the lady at the doctors office who admitted they never once called me about a bill nor did they mail me XXXX. EVER. I had a physical with them in 2010, I had insurance and paid a {$25.00} copay during the time of the visit. This bill was filed two years later and the amount is {$340.00}, I was not even living in the State at the time. Please, look into this matter. I am filing a formal complaint for the way I was treated by management as well. I am upstanding citizen with a good credit score according to XXXX.
I recently applied for a credit card through XXXX. I was not approved. I was sent a letter stating that there is a fraud alert on my credit file, and no telephone number for the lender to contact me. I have not initiated a fraud alert, and I do not understand why my telephone number is not available for a lender to contact me.
I am receiving several phone calls each day XXXX since XXXX 2014 XXXX from a debt collector. They do not identify themselves as a debt collector, but I have called them XXXX times to have my number removed from their database as I do not owe any debt ( which they have agreed ). They say it is a mistake and they will remove my number but they never do.
On XXXX/XXXX/XXXX, I purchased a room rental from XXXX for a college trip with my parents, when I returned from the trip I noticed that the hotel had charged me for the room additionally, I spoke with the lady manager at the hotel and she stated that she would correct the mistake, which did not happen, I disputed the charge with my credit union, they gave me a provisional credit, fast forward to XXXX, XXXX XXXX, my credit union took the Provisional credit back from my account, I supplied the credit union with the documentation of my receipt from XXXX, and they still took the money from my account. I attempted several calls to the rep that is investigating the claim in addition to her supervisor and no one will return my calls. The charge is {$150.00} I also have XXXX additional fraud charges on my debit card, and the credit union will not even investigate these charges at all. {$21.00} from XXXX and {$30.00} from XXXX XXXX, whom I do not have service with.
I had on XXXX XXXX 2014, paid to this company all medical bills that they had on file. I also went to XXXX XXXX and paid off all debt that they have had for me. This was over 3000 dollars and they told me that I did not owe them anything else. I have recently received phone calls and was very rudely told that I could not receive a statement. I asked for a statement in paper in XXXX for taxes. They did not send it. Instead they offered an over the phone statement. Now they are saying they sent a paper one and that if I wanted to know if I owed it I should look at the statement I was " given '' in XXXX. They have been reporting this debt to my creditor and I have no idea where it came from.
I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.
1 ) EQUIFAX reports one of my previous addresses incorrectly : XXXX, NY XXXX The correct address is : XXXX, NY XXXX XXXX ) EQUIFAX & XXXX XXXX report incorrect Employer and previous Employer. My current Employment status is RETIRED and Previous position was Owner of XXXX 3 ) XXXX & XXXX report XXXX Collection Account. I had a Judgement due to a tax dispute with NY State where I failed to persuade NY State to agree with my arguments. The authorities filed a judgment with the XXXX County Clerk which I immediately paid and the judgment was satisfied. This is not a unpaid collection account. 

4 ) The number of ALL, REVOLVING ACCOUNTS & OTHER ACCOUNTS reported by the XXXX agencies differ from each other. 

I request that these errors are corrected asap.
On XX/XX/XXXX, I went into XXXX XXXX XXXX XXXX on XXXX, XXXX , Texas and spoke with member service in regards to inadequate information on my credit reports. An Officer of the bank provided a letter in regards that I was never late and this account should be close with no negative remarks. This account was closed in XX/XX/XXXX; however the bank officer I spoke to at the time of closing my account did not show a balance owe to this account. The bank charged me a NSF fee after the account was closed which I do n't understand. I paid this account in XX/XX/XXXX in order to open an account at another bank. I submitted this letter and dispute the information online with Experian ; however, Experian updated reflected this account was charged off XX/XX/XXXX instead of XX/XX/XXXX once the account was closed. I disputed this information again with the bank because Experian stated they updated my information based on the creditors statement. This action caused my score to drop 24 points.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.   Since it is against the FCR A, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity  to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.   This inquiry was performed under false pretenses as described in the clear language of the la w. 15 USC 1681n ( a ) ( 1 ) ( B ) wh ich states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Dates of problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I placed a credit freeze at all three credit bureaus after my information was compromised during the theft of XXXX XXXX  and military service member data several years ago, Recently, in a transaction with my bank, the bank needed to pull my Experian credit report. I went to experian.com/freeze and requested the freeze be temporarily lifted. The system displayed a message that my session had expired and directed me to return to the login page. I did so and reentered the information again. Then I received an error message that said that a request to unfreeze my credit report was already submitted. However, when my bank tried to pull the credit report, they received an error that it was still frozen. 

I have tried this several times, without success. Finally, I tried to contact Experian to speak to a customer service representative to resolve. However, there is no method to speak to a person. I was sent through a number of menus to finally arrive at a recorded message to direct me to submit information in writing. So, that is what I am resolved to doing. 

Experian needs to fix their online freeze/unfreeze system.
Filled out all required paperwork for loan modification. Sent it within the requested timeframe to USAA and now they are saying they did not get it on time, which is a lie considering the date time stamp on the fax THEY reference shows different. USAA is using bait and switch tactics that are illegal and have cost me lost money due to interest and fees.
I never received statements from   XXXX   XXXX   When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .