WillisBack/dataset-financial-user-claim huggingface dataset:
I am a co-signer on my daughter 's student loans. The private loans, totaling about {$18000.00}, are still with Navient. She refinanced the federal ones to lower her payment, but her private ones are still with Navient. She has trouble paying. I 've helped when I can, but I can afford them either. When she gets behind, they start calling, up to a dozen times a day. At one point, I wrote them a letter and asked them to stop harassing us but it 's started back up. I have also received letters from them and toward the end of the letter, it says, " If you 're having trouble making your monthly payments, please call us so we can assist you at XXXX to help you XXXX XXXX., and XXXX XXXX., ET. Sincerely ... '' She has written emails and tried to contact by phone, so have I. They are very hard to get through to. When she finally actually gets through to someone, they say they ca n't help. And the balance never goes down. She graduated in XX/XX/2008 so has been making payments for over eight years. 
The worst part is that she got a horrible education at XXXX, they lied to us about a lot of things, and she 's still stuck with this loan and her degree means nothing.
My father recently XXXX XXXX in XX/XX/XXXX from a XXXX XXXX and he was the cosigner on my loan. In good faith, I contacted Navient to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XX/XX/XXXX.  Now, the debt collection company Navient uses to scare people, XXXX, is contacting my mother who is XXXX enough from the XXXX of her husband, demanding payment. I am requesting that Navient recall the loan from XXXX and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is {$5800.00} and {$11000.00}.
I was paid an odd amount from my employer. Initially confused, i reported to work and check my paycheck stub online. There i discovered that there was a case filed and a wage garnishment had occurred. Checking my spam mailbox i see a message from payroll explaining the deduction. At this point, I knew something was amiss. I have recently discovered how to keep track of my credit online. to my dismay there are several instances on my credit report that are erroneous. The company in question has since removed the item from my credit report " XXXX '' after i filed a dispute on the credit item. They have since re-added this information. This is regards to a bank account closed in 2009. I also live in nebraksa where Nebraska Revised Statute XXXX stipulates a 5year SoL on written contracts. I do not understatnd why now of all times to pusue the debt or the errant disregard of the statutes of the state of Nebraska. I have not been contacted in any way by this company to date and have just acquired their phone number from our payroll department
Mr. Cooper mortgage servicer sent XXXX county tax to wrong address for thousands of customers! 

My property taxes are supposed to be paid from my escrow account with my loan servicer, Mr Cooper. When I logged in to XXXX county treasurer to make sure taxes where paid, it said they were not. I called Mr Cooper and automated service said the correct amount was dispersed from my escrow account weeks ago. 

However, when I spoke to a representative, she admitted that the payments for thousands of XXXX county residents had been sent to the wrong address and they are working to correct it. When asked about who will cover the accruing interest and fees, she said they would. However, I can easily see them trying to take it out of people 's escrow accounts instead of covering it themselves. Someone screwed up really bad!
I was unable to make my payments on time for my Capital One credit card due to a job loss. My job ended for a 90 period in XX/XX/2018 due to the rules of the company I was working for. It was intended that I would o back to work in XX/XX/2018. When this happened I informed Capital One that I may have some issues in making my monthly payments but would be back on track and pay any past due amounts as soon as I was back to work. I kept in communication with Capital One the entire time with updates. In XX/XX/2018, I was informed that the job I was slated to go back to was delayed until XX/XX/2018. I informed Capital One. I was informed on XX/XX/2018 that the job I was slated to go back to was no longer available to go back to. I informed Capital One again and even made a {$300.00} payment on XX/XX/2018 to pay all past due amounts and get the account current. I began searching for work and informed Capital One that I would not be able to make monthly payments until I found work. I found work in XX/XX/2018 and paid all past due amounts as well my current XXXX payment with a payment of {$330.00} on XX/XX/2018. I made an additional payment on XX/XX/2018 of {$87.00} to cover my XXXX monthly payment only to find that my credit card was placed in a restricted status by Capital One. I called and spoke to representatives at Capital One beginning on XX/XX/2018 to find out why my card was restricted when I had everything paid up to date and to have the restriction lifted. I was told by Capital One that my card was restricted because back in XX/XX/2018 my account had become 120 days delinquent. When I made the XX/XX/XXXX payment of {$300.00} I was offered a program to have the restriction lifted. The rules of the program were that I would have to make 3 consecutive on time payments to have the restriction lifted. I was NEVER informed of this program or it's rules and was done without my agreement because at that time I didn't have a job and therefore could never commit to making on time payments. I was also informed that this program started in XX/XX/2018. Capital One also informed me that they would not lift the restriction because I was placed in a program and did not adhere to the rules of making 3 consecutive on time payments. The issue is that Capital One refuses to lift the restriction on my credit card because I did not adhere to the rules of a program that I was never notified I was in. They claim they sent me a letter on XX/XX/2018 but the letter was never received by me. They claim that the letter would have also been online when I went to my account and to this day there are no documents online. I am basically being punished for breaking rules of a program I was fraudulently placed in to begin with and that is wrong on all levels.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Our company runs a XXXX to help low income communities with access to bill payment and phone balance reloads. We do this by deploying bill payment machines into convenience stores in low income areas. We opened an account with Bank Of America to allow store owners to deposit the funds from the machines. When I opened the account, I explained exactly what we do. A couple of months later, the account suddenly gets classified as an " MSB '' account, and gets frozen by the bank 's MSB department. Because of the bank 's actions, we have racked up over {$1000.00} in fees which is absolutely unacceptable. At this point, I just want my money back, and to close the bank account.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Account Name : XXXX XXXX XXXX High Balance : {$18000.00}
On XX/XX/2018 I sent via overnight mail at my expense a guaranteed cashiers check in the amount of XXXX to satisfy my monthly principal and interest. On XX/XX/2018 I received notification from XXXX that Seterus received the guaranteed cashiers check. As of XX/XX/2018 Seterus has not applied the guaranteed funds toward my mortgage principal and interest. Seterus is willfully trying to cause my mortgage to be in late payment status.

In addition to Seterus not applying a guaranteed cashier check their have been two other instances where Seterus has not attempted to apply payments that have been sent. 

On XX/XX/2018 I attempted to make a payment through their on line payment service for {$2300.00}. The transaction confirmation # for the payment was # XXXX. Seterus Inc did not accept the payment. On XX/XX/2018 I sent by overnight mail at my expense a second payment for {$2300.00} which would have satisfied my XXXX due date. Seterus once again did not accept the check.
I do not owe this company the amount stated, requested validation and evidence and nothing has been received.
I have contac t Hunter Warfield and ask that they stop contacting me. I never had contract with them. I have never signed a contract with Hunter Warefield.  I 've never gotten a solution other than continue harassing phone calls from some rude guy.
Equifax is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable accessible housing with this as a factor. credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already a public record and they do not report to any credit bureaus. I am being penalized as if this bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to my inability to to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if i had followed through and none of the forgiveness or debt relief.
I have a Paypal Mastercard and a due date of the XXXX, on XX/XX/XXXX I had a payment due of {$25.00}, on XX/XX/XXXX at XXXX I made a payment of {$50.00}. I received an email thanking me for my payment at XXXX. I then received an email on XX/XX/XXXX at XXXX XXXX stating my payment was processed. I then go online at XXXX XX/XX/XXXX and notice I have a late fee. I call the XXXX number and she states their system has not updated and that the late fee will be removed. I tell her there should not be a late fee if a payment was made on time prior to XXXX like your contract states. She then tells me the same thing. Reading online these seems like a tactic they use to collect late fees from customers who pay on their due dates. This can not be right. Thank you
I have requested on XXXX occasions now that Transunion remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Transunion refuses to conduct a proper dispute. Letter is attached from XXXX.
I have been on the Do Not Call Registry for about 4 years now and I am getting calls from debt collectors when I have NO DEBT!!! There is NO excuse for them not obeying the law & failing to update their databases. This recent call is from NCB Management at XXXX. There have been others with different numbers but not sure if from the same company.
I never had a loan with a bank that is showing up on my credit report as a derogatory account. Iv'e tried fixing the problem with the company and thru the bureaus but the problem has not been fixed and the account is still on my credit report.
I pulled my TransUnion And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with TransUnion stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called Applied credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at TransUnion today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with  XXXX  as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( TransUnion or   XXXX    ) will not provide proof and I have did all I can do.     I also advised  XXXX  the following Inquiries are fraudulent /not authorized by me :   XXXX    XXXX / XXXX / XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX  -  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  I advised TransUnion the following iquiries are fraudulent/not authorized by me :   XXXX   XXXX   XXXX     XXXX  via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.
There is a fraudulent account reporting closed on my Equifax file. It seems to be a credit card from XXXX XXXX. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with Equifax. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.
I just got a letter from a collection agency saying I owe XXXX {$74.00} I called the collection agency who told me i need to straighten it out with XXXX. After over an hour on the phone with and talking to XXXX different CSR 's they all tell me they have no record of me ever having an account with them and there is nothing they can do. the collection agency told me they are scheduled to report this to the credit bureau within 30 days
I went in to The XXXX XXXX XXXX of Suntrust bank to cash XXXX checks issued by XXXX of their customers written to me. 
I was greeted by XXXX XXXX and she informed me that they could only cash XXXX of the checks due to the amount of funds available in the branch. I understood and asked that she cash the smaller of the XXXX checks ( {$4200.00} ). I then asked if I could return on the next business day and cash the second check. Her response was " we do n't print the money here, you can come back and check '' ... I immediately flushed red and showed my discomfort at being so rudely spoken to. I then if she could arrange a date for me to return and have the check cashed, explaining I did n't want to make unnecessary trips if I could n't conduct my business and she replied " NO and there will be a XXXX dollar fee, because it 's a business check '' I left the branch, with neither check redeemed.
XXXX is reporting account XXXX as my account as a result of transfer from Bank XXXX XXXX in XXXX XXXX. This account is not mine and XXXX should remove it from my credit report. On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from Bank XXXX XXXX. On XXXX XXXX, XXXX, the XXXX order the XXXX Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.
On Thursday, XXXX XXXX, 2017 I was reviewing my Experian Credit Report online and wanted to add a 100 word consumer statement. I have added and changed a 100 word statement to my XXXX XXXX credit report. However, after much searching, I could not find a place to add that statement. So I called Experian twice and the first level person on both calls had no idea what I was talking about and on the 2nd call the 2nd level person had no idea what I was talking about ; so I told him I was going to make a formal complaint to the CFPB.
I am constantly being harrassed by a company called XXXX XXXX. They say they represent Castle payday and I owe {$700.00}. I told them that I did bot borrow that much. I offered to make payments and they refused saying it was n't enough. I have been called by several people, the most recent is XXXX at XXXX. He yelled at me and said he has me on tape refusing to pay, and will have me served legal documents at my job. They also called other family members, including my under aged grandchild. This behavior must stop. When I asked the person who called my last week there address, they refused to give it to me. Please help me ...
I need to file a complaint against XXXX for illegally re-aging my credit history for an account that is reporting wrong info to my file. I have not been associated with the account # XXXX XXXX for over 7 years. the information is updating so wrong each month. this account has no balance nor activity for over 7 years and overtimes that I dispute it it comes back verified, active, open and still showing inaccurate lates. It is even showing that I am still " OK '' each month but I DO NOT HAV ETHIS ACCOUNT OPEN NOR DO I HAVE A CAR WITH THIS COMPANY! How are they dong this? I asked for all the testaments and the late to be verified and have received absolutely nothing. I even filed a complaint with XXXX and this company does not exist in your database. I feel very used by XXXX, they are careless in their reporting and have done me no justice in providing me with a correct investigation that is required by FCRA law. This company does not exist and these informations can not and have not been properly verified. This account is reposting incorrect info each month and its hurting me. I have had no late in XX/XX/XXXX or XX/XX/XXXX as XXXX is repeating, this account was not in my possession than and the statue of limitations have expired as this car was returned during my XX/XX/XXXX Bankruptcy!
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, Experian and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Medical Center  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source
Quicken loans XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.
Mortgage Payoff Nondisclosure of Recording Fees : I contacted Mortgage company for payoff information of my mortgage on Wednesday, XX/XX/2018. The representative advised me of my payoff amount for XXXX different dates disclosing if I wired the funds to Mortgage company there is a {$15.00} wire/processing fee but did not disclose any additional fees to me. I called again Thursday, XX/XX/2018 to confirm my payoff amount for the date I was wiring the funds and again was informed of a {$15.00} wire/processing fee and no other fees. 

XX/XX/2018 I wired the payoff amount plus an additional {$42.00} and change to round to the next XXXX dollar. When I checked my account to confirm they received my wire the amount was recorded minus {$65.00} of the full amount I wired. Upon contacting Mortgage company to question the missing {$65.00} I was told there are recording fees of {$25.00} and {$40.00} that was never disclosed to me on any previous calls or conversations. 

I called XX/XX/2018 to speak with a supervisor regarding the nondisclosure of the recording fees and I felt they should be paying the recording fees since it is Mortgage company 's responsibility to record the release of mortgage and any other required documents. Also, since the {$65.00} of recording fees was never disclosed it was company 's failure to disclose that they should waive those recording fees. The supervisor was not interested in " the customer is always right '' motto and proceeded to defend company and that I was responsible for the recording fees. 

I am a XXXX XXXX XXXX in 2 states and if I fail to disclose some of the simplest charges or information to the public I am accountable and can encounter reprimand and or fines from governing commissions or agencies. I am under the impression with the tightening of the rules & regulations ( Dodd Frank ) that disclosure was not only necessary but mandatory.
In XX/XX/XXXX and XX/XX/XXXX, I was covered by Medicaid for all medical expenses. This company is trying to collect a debt that I do not owe and does not belong to me. I have request Gold Key Credit, Inc to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Gold Key to remove this derogartory collection account from all credit bureaus immediately.
I DO NOT HAVE AN ACCOUNT WITH AFNI. I AM NOT LIABLE FOR THIS DEBT FROM XXXX XXXX XXXX. I AM NOT RESPONSIBLE FOR THIS DEBT
I was told I was receiving a 24 month promotional period for my enrollment and I only received a 12 month promotional period. My original purchase was {$2200.00} and after over a year of making payments each month, my balance is now {$3000.00}, more than the original purchase and the interest accrued is roughly {$1500.00}. This should not have happened as I was told I was receiving a 24 month no interest promotion.
I originally had my student loan thru XXXX XXXX, they turned it over to Nagivent, so I made arrangements to pay Nagivent XXXX dollars a month so they would stop garnishing my pay checks, I was paying them each month and in the fifth month of paying they told me I had to start all over again, and the keep calling and harassing me at least six times a day, so my complaint is, If they are garnishing my pay check that means they are getting paid and should stop the phone calls, I tried working with them but they are making it impossible to do that!