WillisBack/dataset-financial-user-claim huggingface dataset:
I am enrolled in forgiveness plan and have submitted my renewal application on time ( XXXX 2016 ). They have had me showing deliquent all along. I 've been calling since about XX/XX/XXXX to resolve the issue. Everytime I call Navient the reps see my renewal application was submitted on time & my payments have been committed to the agreement according to my plan but my application was never processed or applied. They say they will have someone process my application and that never happens. I have been dealing with this now for almost 7 months. I 'm on the phone for about 2 hours each time I call. It takes approximately 1 hour to get a representative in the United States and another hour with the American representative only for promises to be not be followed through on.
On XX/XX/XXXX my husband and I celebrated our honeymoon in XXXX ( XXXX and XXXX ) for Two days into our arrival in XXXX. We were robbed. Money as well as an electronic device ( iPad ) which consisted of personal information, were stolen. Along with many other articles. We traveled to XXXX from XXXX. By rental car.The agency I rented from, took my credit card information and passport information to keep on record. When we returned home XX/XX/XXXX with in a few weeks XXXX receipts for XXXX paid traffic violations were paid by automatic payment charged to my XXXX XXXX card from the rental car agency. I did not dispute the charges. Totaling in about {$700.00} American dollars. Today XX/XX/XXXX, I receive XXXX bills from a collection agency. Which is servicing for " XXXX XXXX XXXX XXXX XXXX. 
The addressed envlope was sent via regular mail. Delivered to my home it was in the correct name but not the correct address. XXXX separate bills with the same amount totaling to {$320.00}. The company Cedar Financial that sent these bills to me was promptly called by myself.I have never received anything in the past 2 years stated I owed XXXX separate amounts of {$320.00}. I spoke with XXXX separate people. XXXX in which was speaking as if they were a robot. Asking more then 3 times for payment information. Stating they accepted all major credit cards or check. I asked to speak to a supervisor.I was transferred to a gentleman. Who stated if I do not make payment today, my credit would be in jeopardy. As and wages I make will be garnished.In all of my years of being a credit holder I have always had impeccable credit.
In  XXXX  of  XXXX  I renegotiated my rate in the rate reduction department of Navient. I have been in this program for few years now and each year I renew the terms. For the year beginning in  XXXX  of  XXXX  I agreed to pay {$440.00} on the  XXXX  of each month until  XXXX   XXXX . My fixed interest rate for that time period would be 3.5 % for  3  of my  4  loans with the company while my  4th  student loan would not be included. Earlier this month I logged on to my account to make sure that everything had been update with a 3.5 % interest rate. The 3 loans have not been. Instead my loans show variable interest rates of 2237 Signature Student Current Balance {$16000.00} Interest Rate 4.250 % 2245 Signature Student Current Balance {$20000.00} Interest Rate 8.250 % Current Balance {$26000.00} Interest Rate 14.750 % When I called into the rate reduction program ( after being bounced around other departmen t 4  or 5 times even though I expressed to the operators that I needed to speak with someone from the rate reduction program department ) I was told that due to a failure on their end my application was stuck in the review process for longer than intended. During this time Navient still took out of my checking account the amount of money we agreed upon in  XXXX . I was also told that if I logged back on to my Navient account after  XXXX   XXXX  I would see that all of my information would be updated to the correct amount. I just logged on today   XX/XX/XXXX   and the rates have not changed.  <P/> My concern is that my total balance will go up higher than it should because of the incorrect interest rates.
Nationstar is not posting payments in the amount received. We are sending XXXX they are only posting XXXX. They are also not posting in a timely manner. We paid our XX/XX/XXXX payment XXXX/XXXX/16. As of the statement we received on XXXX/XXXX/16, the payment does not show how much went to Principal and interest. The online website does. Also their statements are only sent out 4 days before the duedate. See XX/XX/XXXX statement date of XXXX/XXXX/16 due XXXX/XXXX/16. We have made our XX/XX/XXXX payment on XXXX/XXXX/16 and it has yet to show on their website or the statement. It is taking sometimes up to a month to post a payment. 
They are also charging a XXXX legal fee. after much discussion and no reason as to why that was charged they finally removed the charge. This has happened every month since they bought the mortgage. 
I have tried every month since XXXX 2016 to resolve the issue with the payment amount without success,
I lost or had my cashiers check stolen on or about XX/XX/2015. The check was drawn on my Santander Bank account. I had Santander branch # XXXX research the matter they found {$4000.00} and {$10000.00} check, but not the {$14000.00} check in question. Somebody cash the check or if lost their account will be off {$14000.00} somewhere? I will assist with all information regarding this matter, as soon as you need. Thank you for any assistance you can do. XXXX XXXX. XXXX, XXXX XXXX.
This company Midwest recovery systems, has purchased a debt that was closed out by the original creditor (   XXXX   XXXX   ). They have added it to my credit report and this is not acceptable. The debt was originally my  XXXX  year old son 's medical bill. The bill was supposed to be paid by the insurance company, this debt was closed out by the original creditor.
American Express tried to debit an unauthorized amount of {$900.00} out of my checking account, when I had a {$0.00} below ( I did not owe them anything ), causing me to get a returned payment fee with my bank and American Express. When I called American Express to report this, they acknowledged I did not owe anything, but said I tried to make the payment, so they would not credit me back the fee. I told them I definitely did not make a payment of {$900.00}, when I had a {$0.00} balance ... that just does n't make sense. All I wanted was for them to remove the fee they were charging me for THEIR mistake, but they refused to do that. I then asked to speak with a manager and they just transferred me around to other people with the same job title, putting me on hold each time, never putting me in contact with a manager. This is ridiculous. They need to be held accountable for this.
In early XX/XX/XXXX my Key Bank & XXXX debit cards were stolen along with my Driver 's license out of my wallet. Immediately, I reported my cards stolen and the fraudulent charges that were brought upon my account. Unfortunately I was n't fast enough and whomever had already committed their criminal acts. As instructed by both banks, I immediately filed XXXX police reports and came into both banks to sign affidavits. After doing so I played the waiting game. Recently I reached out to both and I had been informed by both banks that my claim was denied. Somehow, this criminal withdrew {$3000.00} from my XXXX XXXX account and just under {$2000.00} from my KeyBank account. The problem is I only had {$10.00} in my KeyBank account and about {$10.00} maybe {$20.00} in my XXXX Account so how were they able to withdraw such amounts? Also, I had my accounts set up so that I COULD N'T go negative. I 'm a student XXXX at the University XXXX so I 'm unable to work and pay off this ridiculous amount nor should I have to because I did not commit the criminal act. I 'm not asking for any money, or anything of the sort. I simply do n't want to be held liable for something I did n't do. All I want is a positive account balance that 's not going to disrupt my credit. I do n't care if it 's a new account at XXXX $ I just want the issue resolved.
XXXX XXXX XXXX/XXXX/XXXX Ally Financial XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Equifax got hacked and all the data they had on me has been stolen. Their cybersecurity practices are abysmal and could cause great harm to me and my family for years to come.
About four years ago my wife and I filled for chapter XXXX bankruptcy. This mortgage collection company took over our mortgage, specifically called Fay servicing out of XXXX Texas. They have made it almost impossible to work with them. They wo n't take our payment unless we call them and set it up each month. They seem to have trouble keeping track of payments made. Always saying we owe them money, when in fact we do n't, we have to keep showing them our bank statements that they collect the money them selves. Our bankruptcy attorney has to alway contact then, so they can talk to us over the phone. They keep adding bogus charges to our account, then they wo n't discuss the reasons why they are charging us. Now for two months they wo n't take our payments. Because they say we owe them {$2000.00} for some unknown charges they conjured up again. We checked the reviews online and everyone dealing with this company has troubles with them.
I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed XXXX and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems XXXX XXXX. Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either XXXX. They say that it was last reported XXXX 2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XXXX 2015
I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
On XX/XX/XXXX I had {$210.00} left in my account over the weekend. On XX/XX/XXXX I had a ( - {$120.00} ) the bank said because they don't process payments on weekends that's something I should if been told opening an account, so I'm confused because I was told every transaction that was made over the weekend did not come out of my account until yesterday how is that possible when funds were deducted from my account every time I made a purchased so how did it not processed when my funds are low she said I had {$330.00} to start off so how did I get down to {$210.00} if they where not processed til yesterday now I get hit with a {$35.00} overdraft today XX/XX/XXXX this bank has been scamming people for a while I just opened this account XX/XX/XXXX and now I'm going through this.
this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 

I also have been making my regular payments on this account. When i call in and make my payments no one has Ever told me that i was late or had a balance past due. If they simply told me this i could have made the payments to get the account current. how is it legal to NOT tell a customer " Hey XXXX by the way you even if you make the minimum payment you are still behind ''. It would be that simple ... .This is UNACCEPTABLE
I have been using  a Fidelity credit  card since  XXXX  and make on time payments every month. In  XXXX   XXXX ,  Fidelity c hanged the credit card servicing company to ELAN FINANCIAL SERVICES. Due to such transition, my existing auto-pay setup no long works. However, I did not receive any notification for the transition and was not aware of my auto-pay expired until I got a collection call on  XXXX   XXXX  saying that I have a past due amounts which I did not pay. I paid down the past due balance right way and kept paying on time since then. However, ELAN FINANCIAL SERVICES reports a 30 days delinquency to all credit bureaus on my records. As a result, my FICO score reduced from  XXXX  to  XXXX . I felt that I was not fairly treated because my credit history was heavily damaged due to a fact that is not result of my fault. As a result of such negative impact, I did not receive the best rate I can get when I re-finance my mortgage recently. I d emand Fidelity Credit  Card and ELAN FINANCIAL SERVICES to correct my credit report by removing the delinquency records and compensate me on the incremental interest payment I have to make on the mortgage.
I have two mortgages with JG Wentworth. I need copies of my most recent statements for each mortgage for a refinance I am working on for my primary residence. I spent the better part of the day XX/XX/18 simply trying to get someone on the telephone. I probably spent about an hour trying to research the correct phone number after trying many and being told I was in the wrong department, another hour on hold, and a final hour arguing with various JG Wentworth representatives who were unable to assist me. At one point I had a representative assure me after asking many security questions and confirming my email address that she would email me my statements, but she never did. I have checked all spam and junk folders. I still do not have my most recent statements and I have no idea how to resolve this situation. My request is for the most basic service with respect to my loans - if JG Wentworth is unable to provide such service, they should not be in the lending business.
After recently refinancing with Wells Fargo for our mortgage, my wife and I were issued credit cards that we did not authorize or were ever made knowledgeable of. The only reason we discovered this was when the cards were mailed to us.
TransUnion My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to XXXX XXXX TransUnion I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with TransUnion with the XXXX at this time is this a comeback on me for disputing them .I feel they play games with consumers
I signed a contract with a local health club when I was XXXX XXXX XXXX. My mother immediately called and sent a copy of my birth certificate. The account was to be closed and I never used the membership. It has been 4 years and I found out this debt is on my credit report. I called the company and they stated that the debt was valid.
This company is reporting inaccurate, out-dated and misleading information on my personal credit report they have damage my good name! and refuse to delete inaccurate, out-dated and misleading information, even after numerous dispute notices, after 6 months of fighting this problem, nothing has change! this third party company has violated the Fair Credit Reporting Act. 
They have fail to send me the documents that I requested after 6 months of disputing They reporting wrong names, Wrong addresses that I never live at. 
They reporting inquiries that I have no knowledge of.
Second time this matter has been brought up with the cfpb. American Express offered an interest free business account for 9 months. Shortly thereafter, I began receiving interest fees on the account. I filed a complaint and the fees were refunded. 
I skimmed through my statements the last three months and noticed that interest fees were once again assessed. I reached out to American Express and chatted with employee named XXXX ( ID XXXX ). He mentioned that my payment was late and for that reason interest was charged. I explained to XXXX that my payment could not have been late as the account was set up for automatic payment. XXXX explained that since the auto payment had been cancelled by a previous representative ( without my request ) that a new auto payment needed to be set up. I requested that he refund the interest fee and he proceeded by refusing the refund.
I am deeply disturbed by the recent news that the Navient, formerly XXXX XXXX is going to be subject to enforcement action by the CFPB due to their business practices. Both my wife and I have a consolidated account with them and want to pursue assistance to deal with the unfair and deceptive business practices of that company. We consolidated in XXXX under duress and with no options or discussion of the impact of that decision. Due to our financial situation at the time, we were told that deferment would be the best option and at no time was any income-driven plan discussed for repayment. We spent MANY hours on the phone between XXXX and XXXX in attempts to resolve our situation, or work out a solution, but it is clear there were other options that were not discussed. In addition, because we consolidated accounts as spouses, we are not able to apply for public-sector forgiveness that is available to others working in our same jobs, solely due to the fact that we consolidated under the direction of XXXX XXXX. Between XXXX and XXXX we accrued interest and late fees totaling approximately {$20000.00} as our balance in XXXX was {$58000.00} and in XXXX it was approximately {$78000.00} ; we have been working to pay that down since then and our current balance is {$71000.00}. I am requesting your assistance to reduce our loan amount due by that amount as we have suffered excessive charges that would not have been applied to our account had this matter been discussed. Finding proof that XXXX/Navient appears to have deliberately acted in ways such as this is sickening as it directly impacts our family 's financial future. Thank you for your assistance.
Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and XXXX. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.
I sent a letter to Credit Bureau certified XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from XXXX and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze
This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.
Company is attempting to charge a {$1100.00} tax fee on a vehicle used for personal use. The company mailed documents ( affidavit ) to the wrong address even after, i called and emailed them on numerous occasions requesting that they update the mailing and billing addresses. Now they have assessed this large fee to the account and state that it could take them up to 6 months to remove. I can not wait this long. They acknowledge receipt of the document and still refuse to remove the charge.
I prepaid my property tax to XXXX County Il in hopes of taking advantage of the recent tax law changes. 

Payment made XX/XX/17 for {$7600.00} Amerihome Mortgage Company refunded from my escrow {$6600.00} They refuse to pay me the full amount of my payment and owe me {$1000.00} AmeriHome XXXX XXXX XXXX XXXX, NJ XXXX XXXX
To whom this may concern, I am having significant trouble   with the customer service of  XXXX   XXXX   XXXX   XXXX   (  "  XXXX  ''  )  and having even more trouble with  XXXX  recognizing my consumer rights.     By way of background,  XXXX  has been reporting a number of false records to my credit report, including but not limited to reporting my living address as " CEASE DESIT  XXXX   XXXX  '' as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB,  OCC,   and other regulators concerning illegal marketing practices of  XXXX      To follow up on my previous concerns,  XXXX  claims that their current submissions to my credit report abide by the Fair Credit Reporting Ac t (  " FCRA '' ) but nothing could be further from the truth. Indeed,  XXXX  has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to TransUnion and  XXXX  are not only not supported but also conflict with each other - raising serious concerns as to what information  XXXX  is reporting on consumers and what process they use to verify that information.     For my personal situation, TransUnion reports that a  XXXX   XXXX  loan with an amount of {$35000.00} was opened on   XXXX   XXXX   XXXX   However,   XXXX   reports a similar, although not identical loan of {$35000.00} was opened on   XXXX   XXXX   XXXX       I would like to know, why  XXXX  company is reporting similarly looking loans with conflicting information and produce a detailed report of how  XXXX  reports " open dates '' and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as  XXXX  to clarify whether these  XXXX  accounts are referencing  XXXX  loan or they are  XXXX  different loans.     The above instance of conflicting information is just  XXXX  example, I would like  XXXX  to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.
This ishould a debt from XXXX XXXX. I spoke to their rep who stated that the equipment was worth {$500.00}. He said that if I returned the equipment, I would only owe {$90.00}. Someone from Afnight credit collectionscore called me stating that I still owe {$590.00} even after XXXX received their equipment. I returned the equipment in good condition months ago. This total amount due is incorrect!