WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing against NAVIENT again, during the past Year I was participating in a Rotating Internship in XXXX University and due to the MAria Hurricane in Puerto Rico my family was affected. 

I have been struggling with NAVIENT becuase I requested a forbearance becuase I was in an internship/XXXX program. They didnot allowed it to me. Even tough I have been paying on time. The problem I used to have that being an intern I was only getting paid once a month and I requeste navient to change the date f payment several times, which they did not do it. Even tough I was making and I am making the payments, every month I am receiving calls from them saying that I am late on my payments and every month I go to the website to verify how much I have to pay becuase they have been back and forth changing my payments every month. I was making my payments according to the website and paying them through my bank, they were receiving my payments but the people that works there is not profesional and they dont know what they are doing, placing my payments into other loans and if I make one payment for all the loans, they should me in charge of putting the payment in the correct loan. They are not doing that and every month now they are sending late payments to the credit bureaus and that is affecting me when I am amking my payments on times. Another situation is that, even if I pay the correct amount of money on time, days later they call me saying that I did not mada my payments accordingly and saying that I still have to pay XXXX or XXXX dollars more. Which is impossible For exampley by XX/XX/2018 I made ap ayment of {$200.00}. 10 days later they are calling me saying that I am late, and I told them that was impossible becuase the payment was already made. She said that I had XXXX $ late and I said that I paid was was on the website when I made my payment on time. 

Now I am having again late payments on my credit report. and they want also you to give them an automatic payment which I will not give them becuase they are overchanging every month and not doing the correct job.
I have accounts with the Webster Bank, but the bank has not treated me fairly. The bank has either used other institutions some of which they are connected with through various services such check writing. When you need a check, the bank tells you that they will order them for you at a fee. Recently, I ordered a bunk of checks at {$26.00}. The Bank returned the payment and charged my account a fee of {$37.00} despite having money in the Saving account. Now instead of paying {$26.00}, I will buy their checks for {$62.00}. Because the bank controls this transaction and they know I cant put stop on it, They want to hit my account several runs to charge me as much fee as they can. A {$26.00} will soon be hundreds of dollars. They did this previously and I ended up paying over {$650.00}, and {$160.00} just by playing some payments I could not control. I asked them and complain about this behavior, but they told me that they are doing it because I have bad relationship with them. I dont owe the bank any money, neither has the bank given me a loan that i refuse to pay, but they have decided to discriminate me and they are telling me on my ears when I aske them today ( XXXX/XXXX/XXXX between XXXX ). The bank is charging me a lot of fee for a personal account, I am a student, a family man in a low wage job!. They say I cant open account in other banks because they have already reported me that I am a riskier customer because I owe them money. This is true because I went to open an account with a credit XXXX Bank, but I could not because Webster Bank had reported that i owe them over {$1000.00}. This happened in XXXX XXXX. This is bad for me, my family and in so doing, the bank means that they can have me to charge any money, and I do nothing about it. My direct pay goes to the same bank ( Webster Bank ). All the fee the bank charges my account is enough for me to pay my student loan. 
Sometimes back, the bank paid {$95.00} to a company I do not know without my permission. When I asked them to refund the money, they have not to-date. The told me to close the account and open another. Any time they excessively charged my account, they will force me to close and open another one. They will pick me money from my saving account without my permission to pay for these charges. They will not even inform me. I need help. I want the bank to remove my name from the bad reporting agencies or whatever they call them and refund all my money even the closed accounts they forced me to close.
I was signed up for Paperless Billing and did not receive any notice from FedLoan servicing that my bill was due in XXXX. In XXXX I spent six days in the hospital and had to have an unexpected XXXX and another in May. In XXXX, my wife and I were reviewing all of my medical and personal bills to ensure we had everything under control. To my surprise my credit score had dropped and I was several months delinquent on my four student loans. Had I known about the payment due I would have set up arrangements as I was intending on returned to school to finish up my degree after my illness. My student loans were put on forbearance, but they refuse to do anything about the delinquency on my credit report even though I did not receive any notice from them.
I have been working with Procollect to clear a debt I had and was able to pay it off but they refuse to send me the receipt of payment. I was requesting proof stating I had paid the debt. Contacted them on XX/XX/XXXX and twice before.
I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX ( the original creditor ) Experian, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force XXXX XXXX to update this account the representative called XXXX with XXXX while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it.
Hurricane Harvey caused a hardship. We lost our company and called Bank of America on XX/XX/XXXX to see if they could help me. On XX/XX/XXXX, XXXX XXXX said she had good news for me. Since after a national disaster, it would be hard to pay 3 payments at once so XXXX XXXX was letting me pay these payments at the end of the note. Then XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  that Bank of America sold my mortgage to them and they expected almost {$9000.00} the last day of XX/XX/XXXX. They told me Bank of America did not send an agreement like the had told me I had. I am attaching a description below.
On XXXX XXXX, an Auto dealership ran our credit to finance a new wehicle, I asked the dealership not to run our credit more than once, and only to a bank we have done business with for many years. But instead they ran it through XXXX different banks, My husband and I have been married almost 30 years and have excellent long term credit and have only lived in 2 locations. Anyway, we received 4 letters from different banks denying our credit, but one of them stood out because it has an agency listed on it we have never heard of, SageStream , LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. They stated no score for my husband and one over 200 points lower than my actual score and stated, 1. limited history for consumer at address or phone ( present add. 11 1/2 yrs, same ph. # for same. 
2.limited credit history 3. Proportion of satisfactory trades too low??? 
THERE NEEDS TO BE ONLY ONE CREDIT REPORTING AGENCY
I have had Macy 's AmEx credit card for several years. I pay the account in full, on time. On XX/XX/XXXX, I opened the statement for the period ending XX/XX/XXXX, found that my account had been hacked. Several charges posted in XXXX, XXXX, along with foreign transaction fees. I called immediately, was informed the account would be closed, all fraudulent charges removed, a new card issued. I told agent there were eight days between the statement ending date and my receipt of the statement so there would likely be more charges. First statement for new account, period ending XX/XX/XXXX, included the hacked charges from XX/XX/XXXX-XX/XX/XXXX ( the previous account ). I spent two hours on phone with fraud unit while they supposedly removed those charges from the new account. However, next statement carried $ XXXX+ past due charges. More calls and a letter ( with every statement showing my charges and payments ) ; finally a message from them that everything was resolved. However, the XX/XX/XXXX statement shows that I still owe {$98.00}. I have paid all the legitimate charges every month so that {$98.00} is carryover from the hacking charges and fees. I canceled this card in writing ( not sure they did that ) and would like this resolved.
On XXXX I contacted Synchrony about the terms of a mattress purchase. I had purchased a mattress from XXXX XXXX on XXXX for {$2800.00}. The financing terms for the purchase were 48 month equal payment no interest. I received a printed set of disclosure information from the sales person about their credit card from Synchrony and she reviewed the terms of the credit purchase. I received the bill from Synchrony and setup automatic payments to cover the balance over the term of the agreement - no issues so far. Then on XXXX, I used XXXX XXXX 's comfort exchange for a second mattress at a higher cost. The difference in the first and second mattress was input into XXXX XXXX 's online credit system. I then received the final receipt. I noticed that the difference amount was financed on the store 's credit card with new finance terms, 12 month deferred interest. I questioned the difference in finance terms and got a shoulder shrug from the sales person and they said it was because the $ amount was too low to go on extended payment. OK, at this point I 'm XXXX. The store wo n't issue a refund and I did n't want to cancel the transaction and keep the first mattress that I was completely dissatisfied with. The terms of financing were n't disclosed to me before the final receipt was handed to me. Had I known I might have opted for finding an equally priced mattress with out the additional cost. I mistakenly assumed that the extended payment program would be honored for the total purchase cost of the second mattress similarly as the first. So when I spoke with Synchrony on XXXX I expressed my disdain for the mattress stores financing practice. They said if XXXX XXXX would issue a credit for the original purchase and submit the XXXX amount it would be fixed. Additionally they said I had to contact XXXX XXXX to get the issue settled. I contacted XXXX XXXX about the issue and questioned why they do n't just refund the original purchase and charge the full price of the second mattress. The rep said they regard comfort exchanges as " upgrades '' and are processed separately. This is not disclosed in either their paperwork or through the sales staff. I told the rep they were defrauding customers on financing terms. She got mad and hung up on me.
I have a debt reporting on my credit from this company I do n't know anything and I do n't know anything about and debt that their reporting on my credit and refused to remove my right are Being violated if they saying it my debt this company should have proof contract sign and dated. Original documents
The daye of the debt they said originally opened in XX/XX/XXXX which is not true, it opened in XX/XX/XXXX. Moreover, i have constantly been disputing this debt to no avail. Finally, i had paid the debt and it is closed but they will not stop reporting and the least they can do is update the open date and stop parking an old debt.
After participating for a year to year and half in repayment, they informed me ONLY after that my payments were late. I asked how that could be when I requested my due date to be moved to the XXXX of the month. They kept it on the XXXX. When I complained to them about it they said they would check the tapes and call logs and get back to me. They never did follow up. It was then I had heard on the news that they were involved in a class action suit for bad loan practices. I instantly lost trust in them. I never once got any Amortization statement or Holder of Loans or Truth in Lending. No one on their end was being held accountable for how I got taken advantaged of. They only hounded me for more money.
XX/XX/XXXX i was behind on my rent for my apartment so apartment filed in court for eviction, before eviction process i paid apartment in the amount of {$1500.00} in money orders that were dropped off at office of the complex, then apartment got writ of possession for the apartment, i disputed the public records reporting that was on my credit report by stating that i paid the amount owed and to my advantage it was removed, well about 6 months later the same file showed back up on my credit report but under a different company and higher amount of {$4200.00} it also shows on my credit report 2 times which makes my credit score go down because now it looks like i owe {$8500.00} in debt 1 account shows open in XX/XX/XXXX and the other in XX/XX/XXXXi tried  calling the creditior and told him i nhad paid the debt of {$1500.00} directly to the apartment management company and he went on to tell me it doesnt matter because i broke the lease i told him i did not the managment company received a writ of possession for the unit, then rep was very rude and threaten to continue to ruin my credit until i pay the amount, i stated that i would hire a attorney because i didnt owe this amount plus the apartment complex had already removed the debt from my credit so how can you now report a higher amount originally oewd which i paid, i looked up yje company online and saw that many other consumers were having the same issues with this same creditor, i want to know what are my rights to fix this issue because now not only is he showing i owe {$4200.00} but now i owe double looking for help, this has cause me not to be able to get a place to live in my name until i resolve this matter.
I have accounts on my credit report that don't have anything to do with me. I dont understand this. Also its states that I missed a {$0.00} payment, although I clearly owed {$0.00} at the time, and never missed a payment. This error in my credit report has dropped my score so low since this, I can not get a car loan, home loan, not even a credit card!

Fraudulent Accounts : - NO NAME - Account # XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - ( SHOWS UP TWICE ) XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX -XX/XX/XXXX - {$1900.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} Incorrect Payment History - XXXX XXXX XXXX - XXXX - XX/XX/XXXX .- {$0.00}
XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX XXXX-XX/XX/18 {$1800.00} XXXX XXXX  -XX/XX/18 {$3700.00} XXXX/XXXX-XX/XX/18 I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Capital One p osted a late payment on my credit report against FCRA rules. My payment due date was  XXXX   XXXX  ( {$67.00}  )  and I made my payment  XXXX   XXXX  ( {$100.00}  ). Technically,  from my understanding of the law, as long as I make a payment before  XXXX   XXXX  a creditor can not charge me with a late payment. Late payments occur if no money is received 30 days after the due date.   Capital One posted a late payment on my credit report for not making a payment 5 days after the due date. Please review this with Capital One as I feel this is excessive and that I should not be charged late for this.
I contacted Capital One   and spoke with the rep,  XXXX . She filed a formal dispute and informed me it could  be 10days that a rep from Capital One would contact me and that the bureaus may take 30-60days to po ssibly remedy.
Debt was paid by insurance company. I obtained preauthorization for all treatments before they were performed. The companies refused to acknowledge this or my dispute of the debt. Put it into collections and onto my credit report.
National Credit Systems is reporting an inaccurate negative account on my credit profile despite me never legally having a contract with the company. The invalid claim was used as a scare tactic to coerce me into paying a portion of a debt owed by a former roommate after move out. The roommate was originally set a letter from this company requesting payment. The original letter was not addressed to me and did not reference me or any balance I owed. I was contacted by the company over the phone after they failed to collect money from my former roommate and was coerced into paying half the debt after being told they would take negative action on my credit profile. After discussing the situation with legal aid I contested the charge with my credit card company and informed National Credit Systems they would have to collect the money from the roommate directly as the debt was not mine. The company then reported the full balance of the debt against me and threatened legal action if I did not reverse the disputed charge so they could collect the money. After fear of further repercussion I reversed the dispute and allowed the company to keep the money charged to me. Requests to have the company remove the reports since then have been rejected despite me never originally being responsible for the full debt owed. I have disputed the claims on all three credit bureaus in hopes of having the reports officially removed from my profiles.
CHASE BANK LETTER ( ATTACHED ) DATED XX/XX/XXXX. CHASE BANK HAS INTENTIONALLY DECEIVED, INTENTIONALLY MISLED AND INTENTIONALLY IS ENGAGED IN DECEPTIVE BUSINESS PRACTICES AS CONFIRMED IN THIS LETTER. THE ISSUE AT HAND IN THIS LETTER IS THAT CHASE CLAIMS A BALANCE DUE AND OR AN ACCOUNT IS OVERDRAWN. 

I HAVE ATTACHED 3 PIECES OF EVIDENCE FROM CHASE THAT CHALLENGE AND DISPROVE CHAS CLAIM : 1. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT AND ON XXXX/XXXX/XXXX CHASE PROCESSED A CREDIT DDA CHARGE-OFF FOR {$39.00} THERE WAS NO BILLING AND OR COLLECTION ATTEMPTS TO WARRANT A CHARGE-OFF, YET CHASE DID. BALANCE CLOSURE OF XXXX. 

2. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT THE FINAL DIRECT DEPOSIT FROM THE UNITED STATES TREASURY WAS RECEIVED ON XX/XX/XXXX WITHDRAWN AND CLOSED ON XX/XX/XXXX. BALANCE CLOSURE OF XXXX. 

3.A CHASE BANK BRANCH RECEIPT DATED XX/XX/XXXX. THIS RECEIPT WAS GENERATED BY A TELLER AND SHOWS A BANK ACCOUNT BALANCE OF XXXX. 

4. CHASE PROCESSED A CHARGE-OFF WITHOUT THE LEGAL REQUIREMENTS TO PROCESS A CHARGE-OFF. 

5. CHASE BANK 45 DAYS AFTER ACCOUNT WAS CLOSED ON XX/XX/XXXX BILLED FOR A CHARGE-OFF, CLAIMING NOW IT WAS A BALANCE DUE. 

6. THIS IS AN ACCOUNTING AND TAX BENEFIT THAT CHASE RECEIVED QT 4 XXXX AND QT 1 XXXX A LOSS THEN REVENUE. A VIOLATION OF THE SEC RED FLAG RULES. 

7. CHASE MOST LIKELY CREATED THIS SCHEME TO DECEIVE AND CAUSE FOR CONSUMERS A CHARGE-OFF TO REPORT TO CREDIT REPORTING AGENCIES TO JUSTIFY A CLOSURE AND REPORTING. IT ALSO IS A RETALIATORY ACTION TO INTIMIDATE OR CONFOUND CONSUMERS
On XX/XX/XXXX, I had an unauthorized ACH from XXXX XXXX XXXX XXXX in the amount of {$160.00}. I notified XXXX XXXX XXXX XXXX on XX/XX/XXXX of the error given that all my student loans were paid off in XXXX. The lender refused to reverse the payment without the party that authorized the transaction to confirm despite the fact that clearly the transaction was not authorized given I 'm the owner of the checking account that is now disputing the charge. The lender then noted that I should just discuss the matter with my own bank and let them handle the dispute. I told the Great Lakes representative that they should be the one reversing the charge given they made the error and were the ones that initiated the ACH. The representative later indicated that they would put in the stop request ; however, it would take 30-45 days to make the adjustment. I indicated that this action was absurd that I should carry the burden for 30-45 days considering it was an unauthorized transaction. There was little remorse from the lender for the error. They also indicated that they could not confront the party that caused the unauthorized transaction. Once again, all of my loans are paid off and there should be no reason for this lender to be debiting my account. I also think it is ridiculous that a consumer should be carrying the unauthorized charge on his/her own account for 30-45 days.
Please consider this note an official complaint against XXXX , XXXX, due to their lack of transparency and the barriers they raise for customers, like me, who want to get a copy of their credit report, opt out of unsolicited offers, or place a security freeze. 

I hadn't heard about XXXX until today. I applied for a car loan approximately two weeks ago using company makes competition between multiple lenders possible. My credit scores with the 3 main credit reporting companies - XXXX, XXXX, and XXXX - has been between XXXX for the past 3 years or so. So I was surprised to receive a letter today, XX/XX/2018, indicating I was denied credit by one of the competing companies, XXXX, because of a score from a company I had never heard of, XXXX , XXXX. 

My issue is not the score itself, but the lack of transparency and barriers to getting basic information to fix an manage my credit. Upon receiving the letter, I looked up their website and attempted to obtain my credit report ( so I could assess if it was accurate ), place a security freeze ( due to the XXXX  security breach ), and opt out of unsolicited offers. 

While all other credit reporting companies allow consumers to do this online, XXXX, does not. Instead, they required a signed letter with my photo ID, social security number, and a host of other details. I only disclose my social security number in writing once a year, when I pay my taxes. Otherwise, I avoid providing my social security number in writing to anyone, especially to companies I never engaged with or solicited services from. The request for someone to provide information in writing, especially personally identifiable information is an extreme deterrent. It certainly was and is a deterrent for me. Any randomized control trial will demonstrate that. I'm certain XXXX will claim I did not attempt to resolve my dispute with them first. But what XXXX has done is place an unreasonable burden on consumers in order to deter legitimate complaints and disputes. 

Moreover, the XXXX practice of requesting a photo ID, social security number, and a written, signed letter for to access what they recorded about me is absolutely backwards. XXXX does not have a right my data. I do. XXXX does not have the right to place the burden proof on me. XXXX does not have my permission to collect my information, much less disseminate it for advertising. XXXX does not have the right to burden me with fixing my credit. And XXXX does not have the right to make it burdensome for consumers to access the information they collected, or make it difficult to place security freezes. They never asked for nor did they receive my permission in writing.