WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried contacting Navient on XXXX occasions, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in order to discuss my loan repayment options and make a well-informed decision for my repayment plan. 

On XX/XX/XXXX, the woman I spoke with informed me that my first payment was due on XX/XX/XXXX and that I could not pick a repayment plan until XX/XX/XXXX. She instructed me to call back at the beginning of the year XX/XX/XXXX to discuss my options. I, mistakenly, did not obtain the Navient employee 's name or identification number ; however, this call occurred at XXXX and lasted for XXXX minutes. 

On XX/XX/XXXX, at XXXX, I had an eight-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my initial call. During this XX/XX/XXXX phone call, I was told that my payments would be {$500.00} per month and that my first payment was not due until XX/XX/XXXX. I inquired about options to lower these payments, as that is a substantial amount of my income. XXXX informed me that I could not discuss repayment options at that time and should call back in XX/XX/XXXX. He stated it was possible to do " interest only '' payments for " up to XXXX months, '' but that I could not initiate this option, or learn of other options, until XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX, I had a seven-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my second call. During this XX/XX/XXXX call, I was told that my repayments are " estimated '' at {$510.00} per month and that my first payment was due XXXX XXXX, XXXX. I inquired about my options to lower my payments and was told that the " system wo n't allow '' XXXX to see my repayment options and that I should call back between XX/XX/XXXX and XX/XX/XXXX to discuss repayment options. I expressed my concern that if I call at that point, I will be told further vague information or told that my payments are due and I should have called sooner. I asked what I should do if I am told that there are no options, to which she replied I would be referred to another department to discuss options ; again, a vague response. 

I am, appropriately so, concerned about the status of my loan repayments. I have tried calling on XXXX occasions and have been told different 'facts ' and 'instructions, ' but ultimately, have not been helped. I am trying to be proactive and have gotten nowhere. 

There is also contradictory information on my online account. For example, on XX/XX/XXXX, my account page stated that I was in a grace period for the next XXXX days and that my first payment was due on XX/XX/XXXX.
I signed up for school, spoke with the counselors and they told me that being that I was a convicted felon informed me that I would not be able to gain employment due to may criminal record. I never attended any classes. I just signed the papers.
XXXX Violation : will send attachment and copy credit report where my medical information : XXXX, ARE Listed. XXXX interview are pulling and seeing my confidential medical condition. Negatively affecting my credit report. Want to purchase a home. I want to be compensated {$2500.00} for each violationThank you, XXXX XXXX my daughter : XXXX XXXX is POA
On XXXX/XXXX/2016, I deposited a third-party check into my checking account at Suntrust Bank and received cash back in the amount of {$350.00}. I countersigned the check. Myself and the individual whose name the check was originally made out to signed the check in the presence of a bank teller and also presented valid state-issued identification to the teller. At the time, my checking account balance was {$4.00}. On XXXX/XXXX/2016, I discovered that a 7-day hold had been placed on the check. This meant that I would not have access to the funds until XXXX/XXXX/2016. Had I been informed by the teller of this hold, I would not have deposited the check into my account. In addition to the hold, a maintenance fee of {$7.00}, which I have never paid during the entire time that I owned the account, was charged against my checking account. Because I had a beginning balance of {$4.00} and received cash back in the amount of {$350.00} at deposit of the {$4500.00} check, my account is presently at a negative of {$350.00}. 

Here is a breakdown of the transaction : {$4.00} ( beginning account balance ) - {$7.00} ( maintenance fee ) = $ XXXX $ XXXX ( negative balance following maintenance fee ) + {$350.00} ( cash back at deposit ) = $ XXXX As you can clearly see, I did nothing wrong in depositing a check into my checking account. The purpose of a personal checking account is avoiding fees associated with cashing a check where I do not bank. Suntrust Bank failed me on multiple levels including failure to disclose a maintenance fee. If it were not for the maintenance fee, my account would not have gone into negative status. As a result of the negative account balance, I will now incur a {$36.00} fee from the bank.
XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX  {$490.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 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. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
While reviewing XXXX that a collection notice was placed on my report. I attempted to contactTJX XXXX arguing that I dispute the validity of the debt without success. I personally contacted XXXX, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the TJX as a matter of law and XXXX has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.
Too Whom it May Concern, I contacted the State Farm Consumer Reporting team on Tuesday, XX/XX/2018 to discuss an account ( charged-off credit card ) reported to the credit reporting agencies. Since I discovered this account, I've vigorously disputed it ( online ), while going through multiple surgeries and XXXX treatment. Also, I spoke directly with a representative, XXXX XXXX, at the company who was surprised that he " could not find ANY paperwork associated with the aforementioned credit account. '' At the time the application was reportedly submitted, I was in high school student. In fact, I was participating in a research program in California and XXXX XXXX. I was also shocked that no one ( credit bureaus or company ) could provide me with a signed document and/or other verification documents. After being told they could not find information or an application linked to the account, I received a simple transaction list ( e.g. XXXX, XXXX, etc. ) in the mail, which does not satisfy the FCRA verification requirements. I responded to this issue by placing an Identity theft alert on my credit reports and froze them. However, I am using this correspondence to submit a statement to outline my dissatisfaction with the process. The credit reporting agencies responded to my verification request with canned responses. NO ONE, including the company, furnished me with a contract/application with my signature. I didn't receive any hard evidence that links me to this account, which concerns me. 

In essence, I see this report to the CFPB as an option for the disadvantaged/underprivileged in this country to overcome the structural bureaucratic barriers that exist. Again, it concerns me that the credit reporting agencies can report something as verified without sharing the materials they used to verify an account. This behavior seems to encourage creditors to disregard robust investigations. Having said that, I hope this issue can be resolved.
XXXX is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.
M S Gerald phone number XXXX called my work number, and demanded my social security number, when I asked what it was regarding the man informed me he would tell me after he collected my information. They have also been calling my cell.
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 the accounts I disputed. Being that they have gone past the 30 days and can not 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
a. I have sent you request dated XX/XX/2018, XX/XX/2018, and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. 
b. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
c. I have sent you my request dated XX/XX/2018 and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. 
d. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter.

e. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX XXXX, is in some way related to defendant. Defendant is not a party to this implied relationship you have with XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, Defendant do not understand how to respond to you inasmuch as defendant is unaware of any contractual relationship between us.
I am an affected consumer who received an auto loan with an extremely high annual interest rate of 19.5 % from American Honda Finance Corporation in XXXX XXXX. I have reason to believe that this interest rate was assigned to me solely on the basis of my race ( XXXX ) and income level ( less than XXXX annual ). 

During my initial consultation with AHFC, I disclosed to the AHFC administrator my financial and living status which would hinder me from affording a large down payment for a vehicle aside from the value of my trade in. Because this would be my first time financing a vehicle and because I desperately needed reliable transportation to and from work and school, I foolishly informed the AHFC administrator that I was unaware of my options and next steps. The AHFC administrator then pressured me, quite aggressively, into trading in my old vehicle and accepting a 19.5 % annual interest rate and a $ XXXX monthly payment on the same day as my initial consultation. I even asked for a day or two to consider this offer before signing but the AHFC administrator assured me that he was " doing me a favor '' and that this offer would n't be available to me at a later date. 

As a result of such aggressive, inconsiderate, and discriminatory practices by AHFC, I have faced a considerable amount of financial hardships following this loan agreement including, but not limited to, falling behind 30-60 days on payments, getting denied credit due to negative marks from AHFC on my credit report, and being evicted from my primary residence only days after having my vehicle repossessed by AHFC. The vehicle issued by the loan in question was repossessed from my residence in XXXX XXXX by a third party debt collection agency. I received no notice from AHFC prior to or after the repossession. AHFC continues to submit negative remarks to my credit reports monthly in XXXX even though I no longer have the vehicle and have not received any notifications or information from AHFC since prior to the repossession.
I 'm XXXX XXXX XXXX SSN XXXX RE : Helvey & Associates ( XXXX ) Collections on behalf of XXXX XXXX. X/XX/15 assigned to each credit reporting companies for {$150.00}. I had an account with XXXX XXXX as my electrical utility company. I moved to another area where XXXX XXXX was not the electric service provider. There was a balance that was due for {$150.00}. I was never notified of this as I had moved. Apparently the mail was not immediately forwarded. I left the country for about two months to XXXX XXXX, I can prove it via my passport. Upon my return I realized that I did not pay the amount that was due to XXXX XXXX. I then contacted XXXX XXXX and paid that amount of {$150.00} directly to them. I then learned that a collection agency was trying to charge me the same amount of money. That money was paid to XXXX XXXX, I called Helvey and Ass. and notified them. I later learned that the collections agency listed me in collections in one of the credit listing companies. I contacted both XXXX XXXX and the collection company. They refuse to remove that information from the credit reporting bureaus. As a matter of fact the lady from collections was rude and told me that I should have paid them. A few months later all XXXX  credit bureaus now had the collections in their reports. I 've contacted them approx 5 times in the last few years. I was told not to call, that the matter was resolved. I 've called XXXX energy about 4 times and they tell me there 's nothing they can do. The collections folk say only XXXX can remove the negative listing that is clearly affecting my scores and credit worthiness.. None of these companies are helping me. This should not be listed on my credit report. On top of which I never received the notification as required by law from the agency, and they ( XXXX ) were paid in full. I 've called again today both companies to make one last attempt and I was pretty much told that there 's nothing that they can do. XXXX XXXX ( XXXX ) Account # XXXX Also the date it was assigned to the collections is wrong. Its listed as XXXX XXXX, 2015. But XXXX has it as XXXX XXXX,2015.
Experian verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL XXXX XXXX RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports
XXXX XXXX XXXX with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like Portfolio Recovery. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.
There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX
On XXXX XXXX, 2015 I received a letter from Transworld Systems threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of Transworld Systems , Inc and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.
The brief summary of the complaints are listed below : ( Please see full letter that has been submitted with this online complaint ) :  - M & T Bank indica tes my mortgage loan i s one month behind but M & T  Bank reps are unable to provide month & year the payment was supposedly missed  - M & T bank   indicates unapplied funds associated with the mortgage but unable to provide reason for this issu e - M & T bank 's loan serv  icer "    XXXX   XXXX   XXXX   '' mailed a check for almost {$11000.00} to me in   XX/XX/XXXX .  The reason was unclear. There are severe concerns that  XXXX   XXXX   XXXX  did not process my loan modification correctly.    -M & T Bank mails confusing and conflicting documentation - Request for removal of PMI has not been addressed by M & T Bank - C oncerned that negative information is being incorrectly reported to the  XXXX  credit bureaus - When contacting th e M & T Bank reps, always told mortgage is one month behind, the investigation is ongoing, someone will call with results, etc ... No individual can provide t he answers needed to resolve the issues.   - Decided to cont act M & T Bank Ch airman and CEO along with each of the bank 's regulatory agencies for assistance and resolution of all issues.
William 's and Fudge, Inc has made several attempts to collect debt that they can not verify. I have asked for verification of debt proving I am responsible for the debt. It has not been confirmed in the mean time the company proceeds to charge me fees and ignore my requests stating I never asked for validation of debt even though I did and can prove it.
I checked my credit score recently after i had some things removed that were negative marks on my credit and was told by credit bureau my credit score would go up. I had a XXXX score at the time and score went down instead to a XXXX currently which I believe should not have happened. when you clean up your credit which I did credit should improve. I talked with the credit bureau of trans union and they just kept telling me the score is correct. If you examine my credit you will see all my bills are up to date paid and only 1 recent late pay XX/XX/XXXX. No judgements or derogatory marks are on my report at all. How could my score go down when you get the bad things on your report removed? Please look at this and have transunion correct this problem. Thank you.
am having an extreme problem with my credit card. Following is the sequence of events that have occurred to date : Called Bank of American spoke to XXXX XXXX around XXXX XXXX about rates for a balance transfer. He informed me that he could offer me a rate of 3.99 % for 1 year. He also stated that he did not know how long this offer would be available and that if I wanted to go ahead and make the transfer from my XXXX account in the amount of {$4800.00} to BOA I could do so and if I changed my mind the transfer would not go thru as long as I called back before the following Monday. 

On XX/XX/2015 I called and spoke to XXXX XXXX and told him that I had changed my mind and did not want to do the transfer. It occured anyway. 

I called on XX/XX/2015 and spoke to XXXX XXXX and he said it would be taken care of and that they would transfer the balance back to BOA with a 0 % rate for 1 year. This did occur but in checking my XXXX statement they made the payment but then BOA sent it back to XXXX in the amount of {$4800.00}. 

My original balance on my BOA card was {$4500.00} with the balance transfer of XXXX that brought my balance to {$9400.00} But instead of having a XXXX balance on my XXXX XXXX, which was the goal, I now have an additional balance of XXXX that I do not owe which BOA ca n't seem to explain. 

I have spent a considerable amount of time and money in an attempt to get this resolved and it is not only frustrating but very unsettling that such incompetence is in charge of my money. 
No doubt this will also have an affect on my credit report as well as my interest rate with XXXX. 
Could you please check into this and get it resolved for me? I ca n't get through to BOA and they really do not seem to care. 



Thank you,
I 'm an XXXXXXXX XXXX with an XXXX XXXX XXXX. 

XXXX/XXXX/XXXX While eating lunch, a person started taking pictures of my car. I asked why, he replied " it is n't your car. '' He continued to take pictures, got into his car, and began to leave. I took his picture and license plate number, as I felt threatened. 

XXXX/XXXX/XXXX The CA XXXX informed me someone had paid for my cars registration and the tags had been sent to that person. 

According to my lease agreement I am responsible for that type of payment. 

I 've tried to get in touch with the XXXX XXXX XXXX with the email information they 've given me and the addresses are no longer valid.
I went to credit repair.com to fix my credir. Ive been paying them for almost a year and at first they were helping and my credit was going up but suddenly my credit dropped down dramastically. I called a lawyer regarsing a different problem and she brought to my attention that creditrepair.com is not actually liscensed in the state of connecticut. Now i would like my money back for misleading me into thinking they were able to help when in fact they didnt and honestly couldnt because they are not liscensed in the state i live. The lawyer that i spoke to has tried to call credit repair and no one has responded or even picked up the phone.