WillisBack/dataset-financial-user-claim huggingface dataset:
I believe I was wronged by Navient in several ways. Number one occurred in 2014 when I was not adequately informed of my obligation to re-certify my income status. They did not make any effort to ensure that I completed it in time, and, as a result, {$6500.00} in interest capitalized and was rolled into my subsequent income-based repayment status. They did not adequately inform me ( 1 ) of my obligation to re-certify my income status by the deadline they provided and ( 2 ) of the repercussions of not doing so ( that my interest would capitalize and payment would skyrocket ). 

At the time, I was told that there was nothing I could do about this. However, after seeing your lawsuit, I realized that I was wronged and misled. Thank you for your help in bringing this issue to light.
my school closed I was told if a school closes all debt is null and void yet i get letter after letter asking for repayment
XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX no. : XXXX XX/XX/XXXX, 20 09, XXXX filed a limited jurisdiction complaint against me, in XXXX XXXX Superior Court, alleging a single Common Counts cause of action on an open book account in the amount of {$3600.00}. 

I was never properly served with the summons and complaint in this and did not have actual notice of the lawsuit The process server company does not exist, which means the process server name and server # may be false, and the phone number listed for the process server company is registered to XXXX.
On both the XXXX  and Transunion Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with XXXX online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with Transunion. They do not allow people to file disputes.
Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently XXXX   Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 TRANSUNION Inquires not made by me. XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX-XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 and XX/XX/2018 XXXX inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6300.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
I mailed Equifax last month and asked that XXXX accounts that say I dispute them be changed since I DO NOT dispute them. I have no issue with the results of the investigation. Now my loan officer says I can not get approved because these are still in dispute. 

Despite the fact XXXX of these # XXXX and # XXXX were DELETED by the other credit bureaus. BUT if they refuse to delete them then I am no longer fighting please just take them out of dispute so I can get approved!!
Complaint Against : Avant XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Illinois XXXX My loan details Customer ID : XXXX Loan ID : XXXX My Complaint : Company is reporting account incorrectly on credit report, deliquent account was never charged off, creditor continued to poison my credit report for 3 years, reporting 120 days late every month. Number of days late per month was incorrect. Contacted company to pay off loan and come to a fair good will compromise and the company refused and states they were reporting my account correctly every month and would not revise the reporting.
I applied for XXXX cards from Chase, XXXX and Amazon, XXXX cards were approved. I used my Amazon card to make a purchase the account number was loaded into my Amazon card. About a week later I called to activate my card and was told that the account was closed. I called customer service they stated that I needed to speak with the lending department. This morning I spoke with lending who stated that they closed my accounts due to the number of accounts that have been opened within the last 12 months. I explained to the female that I have some accounts that belong to my father that some how got attached to my report. XXXX vs XXXX. She was unwilling to reopen the account. i find this a terrible business practice as XXXX accounts I had to go through fraud verification and they saw the accounts on the credit file on the account at that time. So why open the account to just turn around and close it makes no sense.
I had a call from a XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX. That they were sending court order papers if I didnt pay. They called my daughter, employer and other family members. I called back XXXX was rude and I then asked when are you apparently filing what you say, she could never tell me. I called back she hung up on me. I called again and XXXX answered. XXXX said we will be filing, I said ok I'm trying to find out for what and tell me when. She could never tell me either. She said welcome to the real world. I said thank you, yes welcome to the real world. I do not appreciate their phone call to everyone especially my employer. The number they called from was XXXX and XXXX.
A representative for PDM ( Professional Debt Mediation ) by the name of XXXX XXXX used intimidation and bullying practices to collect a debt from my spouse and myself. XXXX XXXX spoke in a very condescending tone and also raised her voice in a scolding way as well, on more than XXXX occasion. XXXX example, on XXXX/XXXX/15 I contacted the office to arrange a payment schedule for the remaining debts to be paid. I was advised by the original creditor, a XXXX XXXX XXXX representative " XXXX '' to ask for XXXX XXXX 's supervisor, due to a recent conversation XXXX XXXX had with my husband XXXX XXXX that did not go well at all. I called, asked for her supervisor, and was placed on hold in which seconds later XXXX XXXX was on the line. I told her who I was, and I requested to speak with XXXX XXXX ( supervisor ). XXXX XXXX immediately in a hostile tone proceeded to inform me of what needed to be paid. I waited for her to finish and then stated that I was advised to speak with her supervisor, she raised her tone and said " Look I 'm not playing these games with you! '' I at that time hung up and called the original creditor. XXXX ( original creditor ) called XXXX, and was able to speak with XXXX XXXX immediately. XXXX returned my call to give me XXXX XXXX 's extension, and advised me ( again ) to call XXXX XXXX. I was able to speak with XXXX XXXX, he scheduled the payments to come out on the dates I specified, and stated that he would look into the incidents. I would like to add that XXXX also left intimidating voice messages for both my husband and myself. Though XXXX XXXX ( very polite ) is now handling our account because of XXXX XXXX 's collection practices, I thought it was extremely important to file a complaint. I would not want anyone else to experience the verbal abuse that my husband and I have experienced, at the hands of XXXX XXXX of Professional Debt Mediation. These debt collectors need to always respect others, just because a person has a debt does not mean that you are free to speak to them in a disrespectful, demeaning, and abusive way. Professionalism should always be first and foremost, at all times. Hostility is unacceptable and should not be allowed, ever.
Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of 2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. Thank you in advance. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
I got charged twice by XXXX XXXX XXXX  in XXXX for services. I contacted my credit Card Company Citi-Cards to get one of the charges refunded. I also contacted XXXX stating that I got charged twice. XXXX has told me they have refunded one of the charges on XX/XX/XXXX, as of today I do not see a refund on my credit card account online. I am enclosing letters from XXXX confirming that they have refunded the charge. I have talked to the dispute department with Citibank but I am not getting anywhere they keep telling me that they are investigating. I first requested a refund in XX/XX/2018.
Suttell, Hammer & White is a credit buying agency that falsely obtain judgments. I was notified of a judgment that according to the court document was issued on a Saturday. Then there was a court date scheduled for XX/XX/2017 but their judgment states it was issued XX/XX/2017 ( Saturday ).
Hi okay so I purchased some stereo speakers from a stereo store in XXXX XXXX and well was told that I was approved for XXXX $ in credit I thought I was getting credit from them but instead I actually received credit from a bank called AMERICAN FIRST FINANCE and well they had told that my credit had nothing to do with it they just needed a pay stub and that there was automatic payments taken out every time I get paid and I was never really shown a contract or anything I just remember signing a electronic signature on there computer but it was just to verify my info no contract whatsoever so now Ive paid over 1k dollars and I called the finance place to check my balance and they tell me that my balance is over 1.4k Dollars and as they told me they were saying that I had 3 months to pay it off and or else I would be charged XXXX $ per day and Im XXXX yrs old and I help pay my family bills and Im just working part time job and Im paying literally XXXX $ a month just instetest for some XXXX $ speakers so my point is that the store never mentioned any of this if they would have I would have paid it off by 3 months or never got the loan this is a scam there signs dont say anything of having to pay all this money and well I wasnt explained the contract so can u please help me resolve this and the company American first finance very rude they dont understand my financial situation not like any other bank they would do anything to take money out of my bank account
I would like to voice a complaint against XXXX XXXX/Navient. This is in regard to a private loan for {$25000.00} to attend a XXXX called XXXX XXXX in XXXX XXXX, Michigan. XXXX XXXX was in the XXXX Bank building. I heard the ads for XXXX XXXX on the radio. This happened in XXXX. I 'm not sure if XXXX is still open or not. Their ads are not on the radio anymore. I did some research in XXXX and XXXX and discovered that XXXX XXXX was mentioned at XXXX websites : XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ) for being an money-making scam. XXXX XXXX was also mentioned at these XXXX sites as the lender. I then discovered that XXXX XXXX changed their name to Navient and XXXX changed its name to XXXX XXXX. Then I did a search on legal action against XXXX XXXX/Navient and found a report, in the form of a PDF file, from the XXXX XXXX XXXX XXXX. It is titled " The XXXX XXXX Saga : A Government-Created, Student Debt Fueled Profit Machine. '' Right now, it is hurting my household budget. Even though I 've been making the payments, they are not on the due date because of other payments I have to make. The monthly payments are between {$220.00} to {$220.00} per month. I also never found an IT job after completing XXXX.
I used my Paypal account to buy an item from XXXX. The product did not show up until 6 weeks later and was faulty. I went to Paypal seeking a refund from the Vendor and was denied because it was over thirty days in billing. I 'm out of {$12.00} and most likely so are thousands of other people.
I was checking my credit report and came across this collection on my credit. I was not notified or given the right to dispute the balance ... The last balance was XXXX and they are reporting XXXX
My husband and I purchased a bed at XXXX XXXX 3 years ago, with a 3 year interest free loan. We had set up automatic payments, and calculated this to pay off the loan before the three years expired. At some point the loan carried by GE Capital was switched to Synchrony Financial. Without our knowledge or approval during this time our login was changed and the amount per month lowered to {$35.00} the minimum. Last night we received an email that we owed approximately {$2300.00} in interest. This was our first email from Synchrony that showed we still owed money on this loan. In calling Synchrony they were adamant that our login had n't been changed and that the automatic payments hadnt been altered from GE Capital to Synchrony, yet in our case it had. In doing some research I feel as though this type of practice and unyielding, rude telephone customer service may be common within their company.
I received federal student loans to help pay for college tuition, The loans were in deferment until after I graduated. I had a credit score of XXXX at the end of 2017 and when I applied for an apartment I was informed my credit score had dropped into the 500 's. The reason was there are 8 Federal loans through XXXX XXXX XXXX XXXX that had been reported late for more than 4 months, The total amount of the loans is approximately {$46000.00}. I was never notified by XXXX XXXX when the loans came due for repayment. Once this was discovered, XXXX XXXX was contacted and the issue was resolved, or so I thought. Since I have contacted them, all payments have been on-time. I have disputed this with the credit bureaus as I feel I should not be penalized due to this situation. The disputes upheld the late payments. Student loan debt is hard enough, but to have it ruin my credit through no fault of mine in unacceptable.
My savings account @ Suntrust Bank in XXXX XXXX, Georgia was compromised in the amount of {$2500.00} on XXXX XXXX, 2016. It was transferred to my checking account without my knowledge or consent. The bank said there was nothing they could do. I am a XXXX, XXXX & XXXX in Origin. I reported the Fraud to the Bank & the Suntrust Fraud Division, and it is allegedly under investigation. I took out a Police Report in XXXX, GA. The Bank is taking a passive attitude towards my plight, because I 've worked so hard to save that Emergency Savings, and to see it all gone, and the Bank does n't care. I behoove anyone, especially XXXX to not use Online Banking, because your accounts will be hacked online. I am a living witness.
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my XXXX  score was a 691 and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXX XXXX Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX   report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.
On XX/XX/XXXX, I made application via my mortgage broker for a Real Estate Secured Loan with US Bank Home Mortgage. 
1. US Bank issued a Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
The required information was provided by myself and my broker within the specified time limit. 
2. US Bank required more information / documentation XX/XX/XXXX. 
The extra required information was provided by myself and my broker within the specified time limit. 
3. US Bank issued another Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
Some of the items on their list had already been supplied, however everything on the list was submitted or resubmitted by myself or my broker within time limits. 
4. US Bank issued a definitive Loan Estimate XX/XX/XXXX - 15 year@3.875 ( rate locked ). They required NO further information at that time. 
5. 0n XX/XX/XXXX, my mortgage broker notified me that US Bank was backing off on its contracted offer. 
a. He believes that the bank determined it to be high cost due to their own guaranteed rate lock. 
b. Furthermore, he received a list of several more unusual documents and forms that the bank was now demanding. 
c. He asked to file for an extension on the rate lock, but the bank refused. 
6. At this point there are some inappropriate legal issues that US Bank seems to be ignoring in the interest of profits.
I signed up for a Discover Bank checking account using promo code : XXXX to receive a {$300.00} bonus. I fulfilled all the requirements outlined in the fine print and Discover said it was a target promo only open to a few people. It did not state this anywhere on the promo page when signing up for the promotion. I was already a Discover credit card member and it allowed me to apply the promo to my account. Here is the fine print of the deal which I completed every aspect including the direct deposits needed and I am a current Discover credit cardmember. 

" Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. " In XXXX message I had a representative confirm I will be getting the bonus on XX/XX/XXXX. After the day past I inquired again about the bonus and another rep told me I will no longer be getting the bonus.
notified that there was a collection on my credit file XXXX from Ability Recovery Systems LLC in the amount of XXXX original creditor was XXXX XXXX. I have never had an account with XXXX XXXX also Ability Recovery never sent me a collection notice or tried to contact me by phone. I have not had the chance to dispute this debt collection. Secondly, Ability Recovery Systems LLC is in violation of Texas Debt Collection Act, and Texas Finance Code 392.001. I want this tradeline removed from all 3 major credit bureaus!
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation
Nenet has reported me as delinquent on student loans, shredding my credit score. I stopped school last winter and made repayments. Then, I transferred to another school for my XXXX in XXXX. Last payment I made was mid-XX/XX/XXXX. I asked for deferment. I was told by a Nelnet representative that they would contact the school and I would be deferred, once verified. Well, they only contacted the school in XXXX. I thought I was okay. Now, I get reported to at least two credit bureaus as being in default on my student loans. I have asked Nelnet repeatedly to rectify this and, if I have to pay, let 's start payments again, but after they fix the grand mess they caused me through apathy and incompetence. Please contact them and MAKE them fix this. How can you be delinquent, if you do n't know you are delinquent? Their communication is horrific. I do want to consolidate my loans with XXXX XXXX to get away from this company. Need help fixing the credit reporting and some fairness here. Thanks.