WillisBack/dataset-financial-user-claim huggingface dataset:
According to my account history, two of my private loans were sold. There are two dates which the loan sales took place ( XX/XX/2018 and XX/XX/2018 ). I was not notified of these loan sales. 

Navient has also altered the way in which I can view my payment history with them where it reflects a loan sale, and not my payment history. This makes it difficult to determine what my actual loan balance with them is. It also makes it appear that my loan balances have not changed ( despite making on-time payments ) since XXXX of this year. 

When I contacted Navient about this, they told me that I could just ignore it, that the loans had not been sold and that it was " just an internal thing that they did ''. When I asked if my account history would be updated to show that the loan had not been sold and for confirmation that I have been making payments to the correct company, they again told me not to worry about it, that everything was fine, that it was " just an internal thing '' but could not elaborate further. But they could not confirm that things would be updated, or go through my actual payment history with me to confirm that the current loan balance is actually correct.
I went to make a payment threw Home Depot 's automatic phone system, XX/XX/XXXX, it would not take the minimum amount it was telling me because it did n't pick up my voice. It then put me with a representative and she then told me my minimum payment was {$110.00} and if I did not pay that I would have another {$35.00} fee, after the automated system said it was {$60.00}. I then threw speaking with her found out that I have been making the minimum payments from what I 'm being told by the automated system and am getting charged a {$35.00} late fee since XX/XX/XXXX 2017 because  apparently it 's not the amount they expect from me. I was angry and hung up. I then waited untill Thursday XX/XX/XXXX when my payment is always due thinking maybe the system would then tell me the {$110.00} was due. As of XXXX it was still telling me the minimum payment was only {$60.00}, not the {$110.00} the representative told me. I spoke with another representive and after a half hour I was told that they would only refund me 1 late fee and my interest. They have charged me over {$200.00} in fees and they only wanted to refund me {$47.00} ... I did not receive any refunds. I hung up and said I would be reaching out to everyone and anyone to hopefully get the help because of what they have done to me and god knows who else. Also I want to add that I have never received any bills from them, never even thought about it because I receive everything threw my email. I told them this and they are supposed to be sending me all my bills. I hope I canget some help.
This complaint is being made on XX/XX/XXXX. I have a graduated repayment plan with the US Department of Education. I have a statement date of XXXX XXXX, 2017. They advised that my monthly payment per my graduated plan is {$540.00}. I spoke with a representative at Nelnet and they told me about a new program called REPAYE that could make my student loan payments less. I asked how much the loan payment plan would be under REPAYE. The Nelnet representative told me that the payment would be less and that I could send in my taxes and then they would advise on the lower payment amount. I made my monthly payment in advance of XXXX XXXX, 2017 for the sum of {$540.00}. I got a letter in yesterdays mail advising that the payment amount would be significantly more. This was the first information I was ever advised on the amount I would pay under the REPAYE plan. I called Nelnet to say that I want to stay in my current plan. Nelnet said that I could not because they re-did the terms of the loan and would not let me in the graduated plan at {$540.00} per month. They said that I could only be in a graduated plan for {$550.00} per month. I was never advised that I would be taken out of the graduated plan. I was just told that they would be able to tell me the monthly payment amount under the other plan if I submitted an application. I did not say that I wanted to change into any new plan. I offered to pay any interest to prevent any capitalization so that I could keep the payments at the rate of {$540.00} per month. I was put into a plan at the {$550.00} per month. They refused to put me in at {$540.00} per month. I was improperly advised by technicians at Nelnet. They never told me that the loan terms would change or that there would be any capitalization. They never told me that my even filing an application that my amount would change at all from my plan of {$540.00} per month.
I keep disputing and the debt collector removes then add it back to my credit report. My Identity has been stolen.
My name is XXXX XXXX XXXX. Due to my wife and I are been XXXX. My wife has been without income for the last few years. My wife has made several attempts to obtain her XXXX income, each time she has been denied. Due to my income being reduced and fixed ; I reached out to my mortgage company to request for assistance. The rate on my mortgage is at a 9.96 % and I owe over $ 69XXXX on my loan. Property value is only $ XXXX. I 'm really in great need of assistance. I reached out to my mortgage company for assistance and was denied. Mu monthly mortgage payment is {$640.00} each month out of that {$640.00} ONLY {$82.00} is going toward the principal balance. Ocwen has denied my loan for modification options at this time. I really need assistance to get this overturned.
XXXX has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against Mariner Finance with the Maryland OAG admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to XXXX numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement.
Equifax is reporting a public record, Bankruptcy on my credit profile and that Equifax is obtaining that information from a third party data furnisher, XXXX. 

I contacted XXXX and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX Risk View Report. 

I then sent my XXXX report to Equifax but they continue to report this public record stating that XXXX is continuing to provide this data and will not remove it from my credit profile.
XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/2016 for {$1000.00}. I ask Afni to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! This has been detrimental to my credit score and has kept me from obtaining credit! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}.
I have a BestBuy credit card account ( by Citi Bank ) shared with my Data. He is the primary account holder and I am an authorized user. On XX/XX/XXXX, I bought a TV, which is {$1300.00} ( including Tax ), and BestBuy provided me a 12-month financing program with 0 interest, so I decided to use it. 

For the next two months, I paid the installment amount regularly online and decided to set up autopay at the end. However, for some reason, the autopay was not set up successfully, and I missed the following 3 payments until I realized it on XX/XX/XXXX through my online account. Once I realized that, I immediately paid it all once ( including the remaining amount ). During XX/XX/XXXX-XX/XX/XXXX, I didn't receive any letter or notification from BestBuy or City Bank in any mean regarding this derogatory incident. They might send it to my Dad ( I'm not sure ), who I don't live with, but he didn't read or speak English so there was no way he would know this incident and notified me. Currently I pulled my credit report and it showed my FICO ( possibly my Dad 's one also ) significantly dropped due to this incident. I called BestBuy and Citi Bank multiple times to fix it, but they didn't seem to be able to help much or provide any support to correct this incident. BestBuy though understood the fact that this was not intentional and agreed to remove the refund the late payment chargeto me, but they couldn't provide any opinion on this incident, which they already submitted to credit bureau. 

I sincerely with CFPB can help with me remove this and mark off this incident from my credit report. 

Thank you!
American Express Simply Cash Account ending in XXXX and XXXX American Express Account ending in XXXX raised my interest rate 5 % on my XXXX statement. I have paid on time and as agreed on these cards and on all cards for the past 10 years. First the representative told me that my fico score had lowered. I asked to speak to her manager and the manager told me that American Express had not raised interest in 5 years and so now they were raising everyone 's interest. I told her this was not true as on both cards during 2018 my interest had been raised 1/4 % 4 to 5 times. I asked to speak to her supervisor after she demeaned my intelligence on the telephone. This is an unfair business practice and they have no right to obtain {$10.00} extra per month per card. I have been an american express customer for 20 years and have no negative information against me. AMEX lowered my XXXX card credit from {$24000.00} to {$2400.00} seriously causing me problems to complete my remodel of my apartment building and to purchase the necessary supplies to run my vacation rental. XXXX card lowered my credit from {$13000.00} to {$3500.00} causing difficulty to supply my units with stoves and refrigerators and to finish the remodel of my building. PLEASE NOTE : I HAVE A SECOND ACCOUNT : CARD NO. XXXX XXXX XXXX : INTEREST RAISED FROM 13.99 % TO 18.99 %.
Since XXXX of 2014, Nationstar Mortgage has been telling me I 'm in default, then they send me thousands of dollars in in check saying my escrow is in excess, then they sent me notice that my escrow account is in default ... I have been fighting with them every two to three months explaining their XXXX and getting my account back in order and balanced ... I 've emailed the attorney general and the better business bureau of Texas, with no results or no response at all ... I am in the process of changing mortgage companies to get out from under Nationstar Mortgage but, now there telling me I 'm a month behind according to the attached letter ... I 've literally had to call and battle with these people upwards of thirty times ... I do n't know what to do now as these people cant understand their own reports ( see attached ) ... They have processed my XX/XX/XXXX payment but are telling me it is due its still due ... additionally they have been stealing money from my payments for late fees but, I have never missed a payment since day One ... I need help in order to complete my refinance ...
( docs attached )
I find it interesting and not a coincidence that Nationstar did an escrow analysis on my account AFTER I filed a complaint on XXXX. complaint # XXXX. When I checked their website before I filed the complaint on XX/XX/XXXX, it said my next escrow analysis would be XX/XX/XXXX. Before XX/XX/XXXX, it showed the next escrow analysis would be XX/XX/XXXX. So why was one completed AFTER the complaint was filed? Why did the website show the next one would be completed next year XX/XX/XXXX? I am sorry but I XXXX! 

AFTER I submitted the complaint and right after they responded, on XXXX, on XXXX they did an escrow analysis. So I do n't believe this is a coincidence but rather a result of filing a complaint against them. 

so now my payment is going up again by almost {$100.00} which again defeats the purpose of the modification, my payment is now higher then before it was modified. If I dont make the full payment then I get kicked out of the modification program and my house goes back into the Foreclosure process. How is this helping homeowners stay in their homes???? 

They cant admit they are wrong EVER and still refuse to prove that a lower interest rate was given over the phone multiple times. They have the proof in their phone recordings but refuse to provide that proof because they know they are wrong. Yes the modification paperwork was signed but again phone records should prove that this was still in question but due to the shortest timeframe ever, there was too much of a risk of losing the modification while the interest rate was still being disputed. which I was reminded of multiple times over the phone.
This creditor called " XXXX '', say that i owe them XXXX dollars of items that i have no idea what they are talking about, and it happen XX/XX/XXXX -XX/XX/XXXX i have know idea who stole me Identity was stole about that time dealing with a Tax issues thats the only time that i knew of any Idenitiy fraud. So debt collector called Second Round LP send a statement of payment to me thats when i contacted Bureau of Consumer Financial.
To give you some back ground : I, along with many others, have had my home partially destroyed by Hurricane XXXX. We are in the middle of a disaster. I am making all of my mortgage payments on time while not even living at my house. FEMA flood insurance provides no coverage for living expenses so being out of my house while still having my regular bills is draining my bank account. I would like to have my house fixed as soon as possible. 
Nationstar Mortgage is making the process of getting my house fixed very cumbersome and they are causing everything take longer. 
The first issue : FEMA issued me an advance check to be able to start repairs for {$15000.00} prior to an estimate of total damages. Nationstar is also listed as a payee. I sent the check to them a week ago, paying money I ca n't afford to have 2 day delivery because I desperately need the funds to start repairs. Nationstar is requesting an estimate to endorse the check when there is no estimate yet. Now they are indicating it will be 3 to 5 days more to review all while my family and I are sleeping on couches and repairs are being further held up. Contractors have plenty of work due to the disaster and they will not work without being paid. I still have an equity loan I need to endorse the check as well. 
The second issue : Once the claim goes over 20,000, Nationstar says that they get to hold all of the funds. I do not get to have the money I need to fix my house. This is money that I am receiving from a flood policy that I paid the premium for, not Nationstar. It is not Nationstar 's money. Nationstar says that every estimate, every check, every contractor, it all has to go through them, and they will decide whether to release the funds. This will make the process even longer. At this rate, I will not be back in my house until XXXX. 
Banks should not treat people like this. They are costing my 1000s of dollars by delaying my repairs. We are in the middle of a disaster, and they are showing no flexibility. 
This business practice by Nationstar seems very shady and is having a huge affect on those in need. 
I appreciate any assistance that you can provide. Please feel free to contact me. 
Thank you, XXXX XXXX XXXX
I had a outstanding debt of XXXX from Medical services from XXXX in XX/XX/XXXX. XX/XX/XXXX Illinois Collection Services entered a collection of XXXX that appeared on my XXXX Credit report. I have contacted the collection agency to pay the debt and they indicate that while my credit report debt shows XXXX collection, I actually owe an additional XXXX, totaling XXXX. The rep says to pay the XXXX will not remove the collection from my credit report. I do n't have any other medical debt with XXXX and have not been provided with any documentation to say otherwise. Since XXXX XXXX the debt has been consistent at XXXX but I am unable to resolve it because Illinois XXXX is illegally asking to pay an additional XXXX. Additionally, my XXXX credit report as of XXXX XXXX, that I have a new collection from Illinois Collection Service of XXXX which is the same debt that was put on my credit report in XXXX XXXX. The debt in showing closed but as a new debt. This is effecting my credit score and ability to secure credit at a competitive rate. I call Illinois Collection Services today, XXXX XXXX in which I was told again that I would need to pay the additional XXXX in order for the XXXX debt to be removed, I asked to speak to a supervisor. I finally hung up after 20 minutes on hold. The staff is unprofessional and are unwilling to resolve this issue.
I was called by a representative of XXXX ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from Citibank NA, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only 3.5 years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with Citibank, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.
I had XXXX accounts with XXXX XXXX XXXX. XXXX of the account was settled with Nationwide Credit INC ; XXXX XXXX XXXX ; XXXX XXXX, PA XXXX. I use XXXX Banking for all my transaction to XXXX. I received a letter form XXXX dated XXXX/XXXX/15 claiming that they did not receive XXXX XXXX XXXX, 2015 payment. I sent emails showing that payments were made on XXXX/XXXX/15 & cashed on XXXX/XXXX/15 and XXXX before it was due. Instead of XXXX sent the money back, according to XXXX, XXXX ID xt XXXX, the money was sent on XXXX/XXXX/15 & XXXX/XXXX/15 for {$1100.00} each total of {$2200.00} to XXXX. According to XXXX I owed {$4700.00}. I asked why the money was not sent back and why there was no response to my email she had no answer. I had XXXX from XXXX Bank on a XXXX way call. XXXX refused to speak to either of us unless XXXX call back on a line that was not recorded, however, without our permission, XXXX recorded the conversation. XXXX told us she would not talk to us unless she goes thru her speech that XXXX was a debt collection agency.
From XXXX through XXXX, XXXX of the nation 's largest credit reporting bureau, Equifax, made my personal information available to hackers. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about XXXX people and dispute documents with personal identifying information for about XXXX people
Hard Inquiries are reporting on my credit report that I did not authorize. 

On XX/XX/2017, I provided authorization to Credit Plus to pule my credit report ONE ( 1 ) time. 

However, it seems Credit Plus went ahead without further authorization to pull my credit from XXXX, XXXX and XXXX on the following dates : XXXX : XX/XX/2017 or ( XX/XX/2017 ) or ( XX/XX/2017 XXXX & XX/XX/2017 or ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

I am not sure why each credit bureau shows a different date but either way, Credit Plus did not have my authorization.
XX/XX/2016-XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you
I've reached out to CoreLogic Credco twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by CoreLogic Credco