WillisBack/dataset-financial-user-claim huggingface dataset:
I 've asked Navient ( formerly XXXX XXXX ) for XXXX things : 1. ) to have my cosigner released from my loans, and 2. ) to be provided with amortization information on my loans. Navient has denied both requests, for reasons that have not been made clear. There is no reason why my cosigner should not be released. I have paid as agreed on my loans for the entire time I 've been paying my loans, and I 've never defaulted. I formally applied to Navient to have my cosigner released and they denied my request, in writing, but with no reason explained. Also, there is no way to obtain amortization information for my loans. I 've asked Navient through their message center and was told that the information " is not available at this time. '' These practices are wrong. I 'm looking for information on the terms of my loan, which they refuse to provide. I 'm not looking to lower my payment, I 'm not looking to get out of my payments, and I 'm not looking to change the terms of my payment plan in any way. I 'm simply asking Navient to release my cosigner because there 's no reason for her to continue to receive correspondence from them or be bound to my loans, because I 've paid as agreed for the entire term of the loan thus far.
Trans Union is ignoring my requests to investigate an account from my credit file that does not belong to me.
The XXXX XXXX XXXX put me in collection that I didnt borrowed with them. Date open XXXX2017 ... {$500.00}
I have for the last XXXX3 years been billed for credit monitoring thru XXXX and equifax. The amount billed to me monthly is XXXX. The score reported thru XXXX and equifax has never matched the score reported to financial institutions when I applied for a loan and they pull their own report. This makes absolutely no sense. If I am told I have XXXX credit score and everyone publically states on websites and commercials " know your score '' then why is the score they tell me I have under the repirt they give me any different from the report these XXXX credit services give to lenders? 

Exactly how many credit scores does a person have? 

This is rediculous and not explained to me by the reporting agency or lenders at all. 

What was the point of paying for this if the information isnt the same? 

XXXX score should mean exactly that. 

And these companies control the info as to who gets a loan and at what rate because of the scores they generate. Apparantly different depending on who is asking for it ... its utterly confusing and misleading and rediculous. XXXX credit score should mean XXXX credit score period. 

I cancelled my XXXX subscription tonight only to be told by the XXXX rep that it wont be cancelled until another 10 days from now??? And it took me 10 mins of saying no to various " can we keep you for this reduced price or other service '' questions not to mention talking down to me that I will lose a life lock monitoring service if I leave them .... ummm ok done means done and cancel means now not 10 days later. 

Paid for nothing in my opinion. Complete waste of time and money. 

And the reporting of different scores depending on if you are an individual vs a lender is completely misleading, confusing and upsetting! XXXX score should mean exactly that. This whole system needs a review and makeover!
Original Request for Loan Modification : XX/XX/XXXX. For loan # XXXX. 

I complied with all Carringtons request for documentation. I sent materials requested by Regular Mail, by XXXX XXXX, and by Fax. Each time I would be infomed that some part of the documentation was. Not received or missing this occurred on a bi monthly basis. 
I was asked to repeatedly send in the following documents : two months Social Security statements, Proof of Rental Incone, Tax Return, Business Tax letter of explanation, Form 4506t, Bank Statements with my name circled, Request for Mortgage Assistance, Paper Statement of Bank Account, Profit and Loss Statement. 

These are the individuals I have spoken with over the past year : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are the dates in which I have supplied the requested documents beginning : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All these requests and returns were sent in XX/XX/XXXX The pattern continued for the year XX/XX/XXXX. Requests and dates sent XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, As you can see, I have been exceptionally diligent only to be given the royal run around Please investigate this recalcitrance on the part of Carrington Mortgage so that some resolution is made Thank you for your kind attention
My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior.
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ACCT # XXXX On XXXX XXXX, XXXX I contacted Capital One recovery department to check the status of an account I was disputing. Upon speaking to the several agents, I was transferred to a manager named XXXX/employee id # XXXX sometime between XXXX - XXXX EST. From there I requested that the manager provide me with the date the credit card was opened but I denied. I then ask the manager if he could provide me the address the account opened with but was denied. After several attempts over the line I was recording the manager stated that the card ending in XXXX was opened using my current address XXXX XXXX XXXX XXXX Fl, XXXX. Pursuant to the Fair Consumer Reporting Act ( FCRA ) sec. 623 ( a ) ( 8 ) - " Ability of consumer to dispute information directly with the furnisher i.e. ; " Capital One ''. At this time, I am requesting that a thorough investigation be made pursuant to the above mentioned FCRA rather then just a validation from your company without any real proven documents supporting this aforesaid validation. I am unaware of any business relationship or debt with your company, therefore I do dispute it. 

Your company is claiming a credit card had been opened in my name, I'am kindly requesting that you please produce the following documents to back up your " verification '' to the credit bureaus : 1 ) A copy of the signed application where I authorized the account under the address XXXX XXXX XXXX XXXX FL , XXXX that the manager said it was opened under. 
2 ) Copies of the authorized charges 3 ) Copies of any authorized terms of the agreement 4 ) Proof you have that the terms of agreement were in deed violated that has resulted in the reported negative alleged trade line. 
If unable to provide clear and all documentation of the above mentioned, I will then kindly ask in the removal of this account within your office and in the immediate removal within all XXXX of the credit bureaus. XX/XX/XXXX I did notice this account in i did file a affidavit with the police department but I did not further pursue it because my credit report was n't important to me at the time. 

I thank-you in advance for given this your upmost attention.
I sent a MoneyGram to my son. When he tried to collect the money they said they needed more info. I called the number, was on hold over 30 min. and was disconnected. Called again, on hold another 30 min. 
Why does it take so long just to give them info they already have? My son is needing this money now! Called third time and got disconnected again.
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, Equifax, AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX  IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, Equifax, AND XXXX or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
On XX/XX/2016 I went to XXXX XXXX to look at cars. The salesman stated that we could go ahead and get the paperwork filled out Incase I found a car that I wanted to purchase but that it would NOT be ran through my credit if I did not find a car that I liked and wanted to purchase. I did not end up finding a car through them or purchase a car through them but they ran my credit anyways without me saying they could.
This was paid already upon a car accident that happen in 2010, and this is the first time I have heard anything about this money they said I own.
XXXX XXXX did not send a Tattletale notice per Wisconsin law.

To wit : Tattletale Notice If the applicant for the open-end credit plan is married and the spouse is not a party to the application for credit, Section 766.56 ( 3 ) ( b ), Wis. Stats. requires that the creditor mail written notice of the extension of credit to the non-applicant spouse. The notice must be sent to the non-applicant spouse before payment is due, and may be addressed to the non-applicant spouse, or to both spouses if the applicant states that they reside at the same address. The tattletale notice requirement may be satisfied by sending one of the following : a copy of the document evidencing the obligation ; a copy of the credit disclosure given to the applicant spouse ; a brief statement of the nature of the credit extended.
I do not have a contract with XXXX XXXX/XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.
There are 9 medical bill from XXXX XXXX XXXX   hospital that have been sent to Kings Credit Services dating from XXXX to XXXX that should of been billed to XXXX. My daughter and I had insurance and we were seen several times over those 2 years yet these bills were still sent to collections. I have submitted proof from XXXX stating we did have ins. I also sent a letter from where we were see ( clinic ) showing proof we had ins, yet their billing dept says otherwise. Their response to this was they never received ins information, yet they were. I have tried several times to resolve this issue since XXXX. Their notes state that ins was never turned in but we seen them throughout out stay in XXXX and that was 2 years. I know that proof of ins was provided.
I 've been contacted recently by a Debt Collector with the most smelly attitude on earth weeks ago, the. She recently contacted me again threatening me that I have til the XXXX to pay my overdraft of {$120.00} from XXXX bank. But when I received the letter last week Monday, XXXX XXXX the letter informed that I have 30 days. But having her contact me knowing that I am in school at the age of XXXX trying to pursue my career especially off of a different number with a local area code is really rude of her to do so with the same attitude. I tried to inform her to do not call me anymore but she hung up the phone. Which is really unprofessional -- she needs to go back to school and pay her own debts.
Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.
Originally I had my loans through  XXXX   XXXX  and they had set me up with a repayment plan. After a few years of paying I found out they had set me up with an interest only payment. Being a young student and a  XXXX   XXXX  I thought they had setup a repayment plan just like a car, so I had setup an automatic payment. To find out that the {$500.00} a month I was paying was just interest alone and my interest rate was over 10 %. When I called about being in the military they said I did not qualify to get a military interest rate even though I spent 6 years and several months in  XXXX  back in  XXXX . I finished school in  XXXX  and not knowing well they placed me on a new repayment plan after trying to decrease my interest. They did decrease my monthly payments but now I will be in debt with them until  XXXX . Now from time to time I login and find I do n't have a payment due then I receive an email saying I have a payment due. Their system is not accurate. Being young and not understanding I trusted my school. Now understanding better, I will end up having to pay them ov er 2 to 3 times what my classes cost me for all their fees and interest charges. Can anything be done to assist?
On XX/XX/XXXX XXXX XXXX XXXX Debited me {$690.00} From Company XXXX/Google. I realize the claim for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX $ XXXXx11 Months despite to my claim, en several time it was ignored ... XXXX XXXX XXXX Do not understood ... And confused me with letter different to my real complaint. 

$ XXXXx XXXX= XXXX by a service that I never Authorized or was authorized. 

As XXXX  XXXX XXXX do not paid attention to my complaint or claim. I decided no continue with my claim, but I see it as a BULLYING TO THE CLIENT. 
BY PART OF GOOGLE/XXXX OR XXXX  XXXX XXXX ... I BELIEVED ... 

TODAY OBSERVING MY ACCOUNT XX/XX/XXXX THE BULLYING CONTINUE. 
OTHER FRAUD CHARGE OF {$690.00} PAID TO GOOGLE ... .QUESTIONS ... WHAT BOUGHT MR.XXXX? WHAT ADDRESS WAS USED TO DELIVERY THE FRAUDULENT MERCHANDISE OF {$690.00}?
Duplex  XX/XX/XXXX   {$10000.00} purchase price   XX/XX/XXXX  per manent financing -payoff of {$48000.00} rehab loan {$6300.00} paid {$47000.00} loan amount - {$360.00} payments - {$370.00} annual taxes - {$590.00} annual insurance {$69000.00} payments  XX/XX/XXXX  streamline refinance {$43000.00} balance - {$290.00} payments for 84 months.   - {$270.00} remaining {$15000.00} payments  XX/XX/XXXX  refinance - XXXX  payoff - {$9300.00} plus {$3900.00}  'cash out '  to commerce - {$590.00} to   XXXX   XXXX   {$54000.00} payments {$1000.00} in escrow account {$1000.00} unapplied funds {$18.00} fee returned {$15.00} late fee {$410.00} payment returned XX/XX/XXXX  {$540.00} {$560.00} {$530.00} checks returned in  XXXX  No payment in XX/XX/XXXX   XXXX  foreclosure notice  ( news clip ping from a lawyer ).  <P/> Dozens of calls and faxes to cancel  XXXX  foreclosure. Modification offer increased {$360.00} payment to nearly $  XXXX .  <P/> Did not sign. Request for terms reducing the payment. No response as of  XXXX  mailed {$2300.00} payments - All returned. ( {$500.00} application fee sent   XXXX   XXXX   never collected ) foreclosed 2 days after denial ( ( by   XXXX   XXXX   ? ).   XXXX  was n't late yet. Reinstatement quite -less than  24 hours prior to sale- showed ONE late fee.
They are credit inquiries showing up on my credit reports that should not be the as they are fraudulent XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX Please remove these at once if they are still one my  report as inquiries as they are fraudulent
On XXXX XXXX, XXXX, i called Transunion to have inquires that i didnt authorized removed. I spoke with a US rep that was handling my request. As the rep was confirming the inquires beening removed, the phone call was disconnected. i called back and waited 23 minutes to get another US rep on the phone. i explained to him what happen and how the US Rep was deleting unauthorized inquires and could he continue. He stated that he could n't do it. Again, I explained that the other US Rep was in process of deleting theses unauthorized inquires. however, he didnt care. Needless to say, he did n't help me with what the other US Rep was more then willing to help me with. There 's 5 inquires from XXXX from car loans companies. none of theses compies had my authorization to do so.
My pymt is due on the XX/XX/XXXX, however I will be paying on the XX/XX/XXXX, which I advised them via email. They have no right to talk to anyone that way. Today XX/XX/2017 I received an email from Prestige Financial : Hello XXXX, Your file has been sent to me for review. Im not sure why you feel its acceptable to pay at your convenience rather than your given due date. We are a strict 2nd chance loan we choose to work with you as a courtesy however I need you to contact me today to discuss the matter further. Thanks XXXX @ PFS XXXX XXXX Account Manager Prestige Financial Services , Inc. 
A XXXX XXXX XXXX XXXX [ T ] XXXX [ F ] XXXX XXXX
I was written by mail claiming I owed a debt of {$23.00} for service in XX/XX/XXXX. I have not lived there since XX/XX/XXXX.. I called and they said they would look into the matter then on XX/XX/XXXX they reported I owed {$130.00} to the transition which showed up on my credit report.
They continue to call my work and I have asked 6 times to stop calling me at work. They have failed to listen. They stated that they have left me messages on my cell phone, but they never have. As soon as I spoke with them at my work number and asked them again to, stop calling here, I also told them I would try to call them this afternoon, they called right back on my cell phone.
I originally owed money from XXXX XXXX for a personal loan in the amount of {$2600.00} plus a pay day loan of {$250.00} for myself and another payday loan of the same amount under my wife. About a year and half ago I suffered from severe financial difficulties that I no longer can afford to maintain my payments. I employed XXXX XXXX XXXX XXXX of MA. to handle my repayments. XXXX XXXX accepted the arrangements and as evidence I have copies of cancelled checks to support my claims. Lately, I received E-Mails and letter of collection from Ad Astra for more than {$3000.00} and had refused to accept the cancelled checks as evidences of payments. They stated that the payments made were just for interest only. As a result of the derogatory remarks on my credit history, I ended up being turn down by XXXX XXXX XXXX for housing and in spite of my grant for an automobile grant as a XXXX veteran, I ended up with a higher payment interest rate because of this.
in 2013 I had a account with Bank of America my boyfriend at the time had asked if he could deposit his check in my account so I agreed and signed the check he deposited it for me. Then I get a letter stating that my account was locked, come to find out it was a fake check and I have n't been able to open a account since.
I was billed a late fee and subsequently charged XXXX the minimum monthly payment for XXXX XXXX billing period. The payment in the amount of {$35.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Dillard 's Credit card, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX as well as XXXX ( Supervisor of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised me that they would remove the late fee but as a XXXX courtesy but the double payment of {$79.00} is still due. I asked for her manager and XXXX refused stating she would not transfer the call further. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office was located in XXXX XXXX XXXX, Iowa. Both XXXX and XXXX were very rude and condescending and basically stated that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.
I currently have an auto loan with XXXX XXXX. I am currently 2 months behind on my payments as I have had a change in income and have been struggling. I am no longer working and have XXXX small children, also my husband is the only one working and is a XXXX veteran. I have contacted XXXX XXXX to make payment arrangements or see if there are any other options for me at this time so that I may get back on track with my loan to avoid repo of the vehicle. They have told me there is nothing that they can do for me at this time. They can make payment arrangements but the amount is still high and I am not able to pay it. I have tried a number of times to refinance the vehicle and no one will refinance due to owing more then the vehicle is worth or because the company is XXXX XXXX that the original loan is with. I am trying to work with XXXX to avoid anything further action, but they are not willing to help me out. They told me on XX/XX/2018 that I could have gotten a 6 month modification on my loan but that would have been only if I had a deferment available on the account. I was NEVER previously told this information or I would have done this for sure. They held this option from me and now I am suffering from this. I need help and I have tried to work with XXXX XXXX and they are just not willing to work with my as a customer. I will never get a loan with them again. I live every day with the fear and anxiety, stress that my vehicle that I take my kids to doctors appt and ext will be gone when I wake up and we will have no transportation.
For 7 years I previously had two 10 year CDs with DIscover Bank ( opened XX/XX/XXXX and XX/XX/XXXX ) and received a " Welcome Letter '' and " Account Agreement Disclosure '' via XXXX several days later for each. I was fully aware of the 9 month interest penalty associated with early withdrawal. 

I opened a 3rd CD in XX/XX/XXXX. via electronic signing. I did not receive a " Welcome Letter '' nor an " Account Agreement Disclosure '' for this 3rd CD. A reprint of the welcome letter ( attached ) was requested and received about two weeks ago. 

I have withdrawn ( early ) all money from CD1 and CD2 and willingly paid the 9 month cancellation fee. I have tried to dispute the outrageous 24 month cancellation fee, {$2200.00}, for CD3 but could not. As a result I have also withdrawn ( early ) all money from CD3 and reluctantly paid the 24 month cancellation fee. 

I was not advised of the ridiculous 24 month penalty prior to opening this 3rd CD.