WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is that it required XXXX emails/phone calls to Navient to identify, correct, and prevent suspicious/fraudulent/illegal activity to my account. Below is the detail : On XXXX/XXXX/16, I called Navient to make a payment to my account on past due amounts for XXXX 2016, XXXX 2016 and XXXX 2016. The Navient rep received my payment and stated that this payment had made my account current. At the time, I also asked about options for an IBR plan since I started having financial difficulties in XXXX 2016. The Navient rep informed me of some options, and I asked if I could request a future forbearance to give me time to research. He agreed. After the call, I started researching IBR plans. When I logged into my Navient account a few weeks later, I saw activity on the account that was suspicious and confusing. I called and emailed Navient four times after I discovered the suspicious/confusing activity to request clarification and ask Navient to research their records to confirm whether or not the Navient rep I spoke with on XXXX/XXXX/16 had correctly processed my request. In response to each of these emails and phone calls, Navient provided me with incomplete and inaccurate information about my account. On a fifth attempt, on XXXX/XXXX/16, I spoke with a rep named XXXX who was finally able to ( 1 ) provide me with correct information about my account, ( 2 ) identify the Navient error that created all the suspicious and confusing activity to my account, and ( 3 ) place an internal request to correct the Navient error that incorrectly caused {$780.00} of interest to post-actively capitalize on my account on XXXX/XXXX/16 as a result of the XXXX/XXXX/16 phone call. She also identified and removed other suspicious activity that would cause more interest to incorrectly capitalize on my account on XXXX/XXXX/16. Had it not been for XXXX, I would not have had a resolution and Navient would have gotten away with fraudulently and illegally capitalizing interest to my account.
I purchased a XXXX XXXX back in XX/XX/XXXX in the month of XX/XX/XXXX. I fell behind on my payments due to Santander 's predatory interest rate and fees. Santander sent me a letter asking for $ XXXX in XXXX I contacted them and offer them $ XXXX they did not accept my offer. They charged off the loan in XX/XX/XXXX now two later they sold it to a junk debt buyer who is now riding by my house shining lights in mu window. Santander has wrote this off a loss of income how do they sell a debt they claimed a tax deduction for and a tax break. They got their money for the car and a lot more. I received no re-assignment of debt or proof that the guy driving around my house has legal proof to harasses me.
Back in XX/XX/XXXX my ex spouse while I was XXXX defaulted on a mortgage of the home I won in a divorce. Unaware of the factor when I returned from XXXX, the bank ( Fay Servicing ) refuse to give me information without his consent. After several months going back and forth finally i was given access to the account. I went before a judge on XX/XX/XXXX with an attorney that pleaded for me to be given a chance to conduct a modification. The Modification process was started I was suppose to be given 30-45 days to complete and get a written answer. Fay Servicing only after 14 days denied my Modification given me no written response. Only a verbal denial from a XXXX XXXX who was assigned to my case. There was never a fair chance. now moving forward they have forced me and family to be evicted from the home. They refuse to allow me to buy the home back or even respond to any messages in trying to obtain a newly written loan with them to keep my home. 

New evidence is that the home had black mold infested in the walls. Which resulted in health matters for me and XXXX children. I have reached out to Fay Servicing they seem to never return phone calls and you can not even get through on the main line that I am using XXXX. I feel as a XXXX for my country, mother, and customer I was not given a fair chance or even compensated for all the legal fees and turmoil that has impaired my ability to keep shelter for me and my children. I even pleaded with the banks to allow me to purchase the house back offering money before it got to this point. I have paid over {$6000.00} to various entities including one bank to conduct a modification that was deemed the trustee under Fay Servicing. This injustice needs to be stop and investigated and corrected due to this business not conducting their foreclosures properly or given the consumers the ability to regain control after a financial hardship.
I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX XXXX on XX/XX/XXXX then I see another one from a XXXX XXXX XXXX also onXX/XX/XXXX and I see another one and XXXX XXXX also XX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.
today I checked my credit report and found on there some inquiries that I never requested or that are unfamiliar please get off. 
XXXX XXXX on XX/XX/XXXX consumer request XXXX on XX/XX/XXXX written authorization XXXX XXXX code on XX/XX/XXXX XXXX  on XX/XX/XXXX for c ollection   XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX for consumer initiated transaction XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all these are unknown unfamiliar
XXXX XXXX 2018XXXX XXXX XXXX 2018.IN XX/XX/ 2018 I FILED A CHAPTER XXXX BANKRUPTCY. THE JEEEP WASNOTINCLUDED. IT IS FINANCED THRU XXXX XXXX. THEY ARE NOT REPORTING MY POSITIVE ON TIME PAYMENTS TO THE CREDIT BUREAUSTO RAISE MY CREDIT SCORE.
I have an automatic payment set up through my bank. The payments to Navient are made a week before the due date. For this month, in the five years since I 've been making payments, Navient sent me a notice that my loans were all past due. I called them to verify payment had been sent/received and their records indicated they had not received anything. They also looked through their " lost and found '' and could not find a payment matching the amount and date it was sent. I called my bank and they verified the payment was sent and it went through. I am currently in the process of fighting with Navient to fix the mistake on their end and remove the past due notice on my student loans. My bank has sent over the required " proof '' indicating the payment was made in full and on-time.
XXXX XXXX XXXX can pull your credit report to see if you owe money to other apartment complexes before they will rent to you. This lowers a persons credit score.
Caller id says gila Corp but when answered it is a message instructing me to call an XXXX nimber for " municipal services ''??? Well I have no idea who this company is and according to my credit report which is free of collection items that I do not owe, then there isbnobreasoj for me to call the number. On XXXX/XXXX/2015 this number called me three times. They call once a day but they called three times at XXXX, XXXX, and XXXX
My mortgage provider made an error and reported me late for over 30 days. I initiated a dispute with Equifax and the mortgage provider sent them a letter to remove the information over three months ago. Equifax has not removed the information. I have called and written letters and provided them with the letter stating the incorrect info should be removed. The other two bureaus took it off immediately. Every time I attempt to contact them they pass the ball to another department, this erroneous information being on my report is negatively affecting my FICO score. What can you do when its the credit reporting agency making a mistake?
Saw that there was a collection on my credit report and called the collection company to verify. Told them I didnt receive notice or notifications that i owed anything and offered to pay in full if they would remove it from my credit completely. They said that they sent a letter and I was notified but I didnt receive anything at all. They told me that was my problem and said I needed to contact the post office. They said they would take my payment and report it as paid in full. I dont believe this is fair since I didnt receive notification. I argued with the customer service, but they were rude and didnt help me. I will pay this balance in full but I want it off my credit, I would have settled before collections but I was not notified.
I have been a victim of XXXX XXXX Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX So many are duplicates as well.
On  XXXX / XXXX / 2017  a money transfer of {$1500.00} was sent to   XXXX   XXXX   XXXX   XXXX   XXXX   vi a Western Unionim  error. I calle d Western Union within 1 hour of the funds being sent to request a transfer to the correct company. Western union stated it could take up to 48 hours for the transfer to process, so then I request a refund and that would also take up to 48 hours. I call   western un ion on  XXXX / XXXX /   17  to see if the refund was available and they said  XXXX  had not replied to the refund request. I called  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and  XXXX   XXXX   XXXX   has no record of the transfer of money seeing that I do n't even have an account with them and the account  number that was sent on the transfer does not even match their account numbers. I sent a fax of the western union to   XXXX   XXXX   along with the sequence number, and they have no payments in their system. Western Union ref uses to refund me the amount that was sent to the incorrect company. I have no account now or in the pass with  XXXX   XXXX   XXXX   or any of it 's affiliate s. Western Union  repersentive have stated that they have sent multiple request to  XXXX   XXXX   XXXX   XXXX   XXXX   since  XXXX / XXXX / 2017  (  at least 3 emails ) and have not been replied to.
The debt was settled and paid several years ago. I continue to be contacted by a credit collection firm, Midland Credit Management , Inc. XXXX handled my settlement and has contacted this creditor requesting a cease of contact. I continue to receive mail pieces from this collector for a debt that has been paid several years ago.
We got a bill in the mail from Bank of America to pay our new escrow due. We did n't understand why the escrow due did n't reduce because two months prior we learned that one of our mandatory forced insurance premiums went down by {$300.00}. Upon investigating, we learned that our hazard premium 's dwelling value dropped by {$30000.00}. No one at Bank of America could tell us why. The other forced flood premium was still holding a dwelling value of {$40000.00} more than the hazard dwelling value. No one from Bank of America could tell us why. We were directed to call another number and it turned out to be the claims dept for the flood insurance and they could not help us. We then telephoned the phone number at the bottom of the hazard declaration page and it was not the insurance company named at the top of the page, but it was called Bank of America Insurance. Not even XXXX there could tell us why the dwelling value dropped, nor why it differed from the flood policy 's dwelling value by {$40000.00}. We then discovered that, ever so oddly, our city taxes and our flood premium went up for the new year the same exact amount our hazard policy went down - literally by the dollar. We are fascinated, but still, no one had any explanations for any of the changes. Bank of America said they would start a review. We 've heard that before when the difference between the two policy 's dwelling values were only {$10000.00} off from each other for the last 10 years. It makes no sense that the old difference has now turned into a {$40000.00} difference in value. We get no answers. We never get any money back when policy premiums drop. Why this year it happened we still have no answers for. Can you tell us? We tried to file through NYSDFS, but the claim 's Submit Button would not work.
XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.
My mortgage was " sold '' to loancare by another company. Based on getting paid monthly, we always paid our mortgage on the XXXX before late fees accrued and paid online. After the mortgage was changed to loancare, we have had to pay " late fees '' based on when it is paid. Ex. 1-5 days {$5.00} extra, 10-15 and 15-30 {$10.00} extra. Not to mention, IF for whatever reason we get paid late, we have to pay the mortgage later and then there is a real late fee ... so we are paying DOUBLE late fees. Again, I stress, we have NEVER had to pay late fees with our previous arrangement. We do not have a ton of money so every little bit counts in this day and age. I called loan care to explain the fees and they said it is a fee to USE the online payment option. Being the technology age, this is the ONLY company that CHARGES to pay a bill. It is also very odd that a fee would change amounts based on when a bill is paid. I called numerous times to ask for the due date to be changed so I can avoid these charges and they said " no, the due date is based on your last company 's agreement, therefore, we will not change the due date. '' They do not even try to work with you. One lady even said, this is how we make our money. I am so appalled that they do not work with and it is frustrating to pay extra every month for no reason. To my understanding, this is a management company that works for financial institutes. It is not fair to the customer to pay extra on top of what we agreed upon.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX  XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX  XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Equifax Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
I received my credit report from Equifax and found that n my personal Information there is an inaccuracies with my last name and address. My last name was spelt wrongly as XXXX XXXX instead it should be XXXX XXXX is the correct spellings. it need to be updated or removed. And also I never had a post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX should be removed from my credit report as soon as possible.
Today XX/XX/2018, I logged into my Navient student loan account to make my monthly payment ( it was 2 days past due ). This payment was to be in the amount of {$68.00}. I made this payment and immediately noticed that the amount stated for next months payment is {$190.00}. I did not receive any notice, in any form of this change in payment amount. I phoned Navient and the representative told me they sent me an email notice on XX/XX/XXXX regarding the change. A thorough investigation of my inbox, trash and spam folders for that date yielded no such email. 
The company did requalify me for graduated repayment ( although at a slightly higher rate than I was previously paying ), but accepted no responsibility in my not receiving notice of the change in repayment terms. This is not the first issue I have had with Navient and I wish their shady practices to be taken seriously.
Was in XXXX in a tour that turned out to be pressure sales tactic. 
The guide in the middle of our drive, say that if we do n't buy anything, she 'll will charge us {$600.00}. This was not an option as we were under their supervision in a van where we did n't know where we were. I figured since we were held hostage, the only way to get out was to pay her using a credit card, then afterward called the CC company to not authorize the charges, XXXX for {$590.00} and XXXX for {$3000.00}. So when I contacted CapitalOne and told them that I did n't authorize the charges they put my request in the their Fraud Department, who basically said that since I signed the transactions I have to pay. When I tried to tell them I was under duress, that I could n't do much in that situation, they refused to listen. So they basically pushed the transactions back to me.
PNC Mortgage made a double payment out of my escrow on XX/XX/XXXX and XX/XX/XXXX to pay for my homeowners insurance causing my escrow to go into the negative. XXXX XXXX only has a record of 1 payment posting on XX/XX/XXXX. I am now missing {$1000.00} from my escrow due to this double payment. I have notified them via their Secure Message site on XXXX and on XXXX submitted a Notice of Error on their Secure Message site by which they must respond timely as required by RESPA. As of the evening of XX/XX/XXXX, I have still received NO response from this mortgage company.
This is an ongoing problem with Experian. I believe now after receiving my updated credit report that they are doing this on purpose and today I filed a complaint with the State Attorney Generals office and the FTC and am in discussions with an attorney about filing a lawsuit if this does not stop.
Experian is still reporting my XXXX XXXX Account as being late when in fact it was never late and they refuse to show proof that it was late. They are in violation of the law. I believe they are also violating the statute of limitations by reporting the account.
Secondly they have a written comment on two of my accounts stating that I have disputed them in the past which is a false statement and blatant lie on their behalf. They are stating that my XXXX XXXX XXXX Account in the comment section " Account information disputed by consumer ( meets requirements of the FCRA ). I have never missed a payment with this company so why would I dispute it? THEY NEED TO REMOVE THIS COMMENT IMMEDIATELY as it makes me look bad.
Then on my XXXX XXXX account Opened in XXXX of 2017 ( I have never been late on this payment as it is a new account so why would I dispute it? ) Yet they have a comment saying " Account previously in dispute '' this is a LIE and this comment needs t to be removed immediately.
It is very obvious that they are simply adding stuff to my credit report to get back at me for filing these complaints. It is also obvious that I must now file a complaint with the FTC, State Attorney Generals offices against the CFPB as you are not investigating Experian for breaking the laws. This has to stop!
I applied for a credit line on XX/XX/XXXX for {$14000.00} and paid my bill on time every month. The amount I paid was {$46000.00} to XXXX until they sold my debt to Springleaf on XX/XX/XXXX and I keep paying {$230.00} each month until today. As yo can see my debt was paid XXXX times more and my balance with Springleaf still {$12000.00}. I try to contact them and ask a debt reduction but they told me any deal on this issue. I found this company on XXXX with a very bad reputation.
This company put a negative collection against my credit reports. The states joint account, I am not even marrieds nor involved with anyone. This is not my debt.
On XX/XX/2006 I opened loan Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone No : XXXX in Equifax Credit report and Reinvestigate showed " this account has not been closed '' but I spoke with XXXX XXXX ( Now XXXX XXXX ) they said this account is closed, and I do not have plastic credit card either. On report additional information says " Account Transferred or Sold ''