WillisBack/dataset-financial-user-claim huggingface dataset:
I originally had my student loans under XXXX XXXX and they were sold to Navient without my consent. I had no choice but to work with Navient and forced to deal with this fraudulent company. When my loans were first transferred, a representative from Navient contacted me about setting up a repayment plan. At the time, I was still in school and did not have to repay any of my loans, as they were not up for repayment yet. They exclaimed that repayment on my loans had to begin immediately, since Navient was no longer part of XXXX XXXX and their regulations were different. Since I did n't truly understand what was happening, they forced me into the XXXX Based XXXX XXXX, which had the lowest monthly payment. I thought that this would be the best option, since I was only working part-time and did not have much disposable income to be paying off my loans. 
I am now four years into the repayment of my loans and they have done nothing but increase. Navient placed me on a payment plan that does not cover my monthly interest and I am accruing DAILY interest on all of my loans ( I have eight loans ). At the time of setting up the payment plan, I did not understand this, but I recently ran some calculations and realized what was actually happening. They are taking the extra interest each month and applying that to my overall principle, which has resulting in an extra {$8000.00} over the past four years. This is TOTALLY UNACCEPTABLE!!! This is complete extortion, because, had I not caught this, my loans would have continued to increase exponentially and I would be powerless to stop it. 
Secondly, when my loans were first taken out, XXXX XXXX had me under a 3.85 % interest rate, which is reasonable. When my loans were transferred to Navient, all of my loans were immediately increased to 6.55 % interest!!! This is nuts!!! When I saw this increase, I immediately called Navient and they spatted out some XXXX about how the interest has always been federally mandated at 6.55 % and I can not negotiate for a lower interest rate. I know that is a complete lie, because I can always refinance my loans for a lower rate and they are only trying to pull the wool over my eyes, because they have gotten away with it. 
Finally, once I realized that my interest has been compounding over the past four years and I have not been making large enough payments to cover the interest, I decided to make additional payments toward the principle. I contacted Navient about doing so and they blatantly told me that I am not allowed to make additional monthly payments toward the principle, as any additional payments would go toward accruing interest. WHAT!!!! This does not make any sense. How am I supposed to pay my loans off, if I can not make additional payments toward the principle when I have the means to do so .... This is complete bogus. 
Enough is enough with Navient and I am in the process of refinancing my loans because I finished with this fraud and deceit. I urge anyone else that is using Navient to get as far away from this company as possible, because they are going to take all of your money and you will never be able to out from under them. RUN!!!!!
I sent letters two letters which were both returned saying inaccurate address. Upon checking my credit report there was an XXXX TN address listed. Even the post office worker found it to be quite odd. Zip code does n't match to the rest of the address. One letter was mailed in XX/XX/XXXX and the second in XX/XX/XXXX.  Both were sent within 30 days of each other.
XXXX XXXX XXXX XXXX WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.
This debt is eight years old and has not been proven that I have legal obligation to pay. The statute of limitations for reporting this debt has expired.
In XX/XX/XXXX I did not get a bill from Commerce bank and they put a negative remark on my credit history as missed payment. I have been making payment to them and even told their representative about not getting the bill but they did not pay attention to it and they even closed my account. I have paid the balance down since XX/XX/XXXX from XXXX to XXXX as of now. After they closed my account and put a derogatory remark on my credit report i have been denied credit by other credit card company to even increase my credit line so that i can start a new business. I am going through a hard time as a result of this action of Commerce bank without my knowledge and inspite of them putting my wrong SSN in their system which again gives me hard time to get to right person in timely manner through their automated system. 
I need this negative remarked moved from my credit history and this credit card reopened. I am willing to pay it off in next 60 days. Please help me I have a family to feed and I have been a very responsible person to pay down the credit card and this is really irresponsive of Commerce bank to do this to me without even notifying me and giving me enough time to fix the problem even though the problem did not happen because of my actions.
i got the banks response to my inquire that is wrong my situation has changed but the payment should be a lot lower than it is do n't you think look at the high interest you do n't know if the situation has changed or not just guessing but it has changed my brother just got a new job but you see the payment ever drops at all the payment is to high for anyone does matter of any situation thanks
XXXX XXXX continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to  provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
I am being harassed by a company that refers to themselves as XXXX XXXX   XXXX. My family, friends, and I get phone calls frequently stating they have an open case against me that is being filed with the county or that I need an attorney because Im being sued. These calls phone calls are disruptive to my work life and could cost me my job. Ive blocked them numerous times but they continue to call with different numbers. They are relentless. They tell lies, use fear and coercion to make you pay. The most recent number they called with was XXXX at XXXX to myself and my XXXX XXXX XXXX father advising a case was filed against me with the district attorneys office and I am being served. Nearly gave my poor old father a XXXX XXXX.
I was in a car accident and was deemed not my fault. I incurred medical bills. I had insurance even though it was not my fault. The other party had insurance. All the insurance information was provided for both parties. 
I hired an attorney that contacted each vendor and explained that there was litigation in process and that it was illegal to report any debt until the actual debt responsibility could be determined. 

We disputed the debt even though they had NEVER disclosed the debt prior to placing it on my credit report. We disputed the debt through the vender who gave us High Desert Creditors info. In spite of our disputes, written attorney correspondence, and repeated follow up I find ( when I apply for a mortgage loan ) that High Desert Creditors IGNORED our disputes and reported the debt anyway. I may lose my fantastic rate because it dropped my scores approximately XXXX points. I have now suffered monetary damage.
I have a Regions Bank checking account. I was charged approximately {$400.00} in overdraft fees for purchases, some quite small. Regions Bank never alerted me that my account had issues. 

The Regions Bank representatives I contactd in Alabama -- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX -- refused to give me the address of Regions Corporate office so that I could write a letter. XXXX XXXX refused to even give me his title.
I am writing to express my dissatisfaction with the service provided by BB & T during the course of my application for and obtainment of a mortgage loan for my first home purchase. Specifically, I am making this complaint regarding the actions of XXXX XXXX, XXXX XXXX, and XXXX XXXX, all of whom worked on my loan application at various points. 

Please see attached a complete timeline of events that occurred between my initial inquiry on XXXX XXXX, 2015 and completion of the lending process on XXXX XXXX, 2015 - as well as my request for remedy based on the repeated errors and failures of BB & T.
My husband and I purchased furniture from XXXX XXXX. We applied for a 24 month interest free loan through XXXX XXXX that was being financed by 1st Heritage Credit ( First Heritage Credit XXXX XXXX XXXX XXXX, XXXX, XXXX, LA XXXX, Branch Manager XXXX XXXX ). The amount of the furniture purchase was {$2700.00}. We received correspondence from 1st Heritage stating our payment amount was {$100.00}. This means we would not pay off the purchase price within the 24 month interest free period if we paid their " payment amount. '' We then received a " 1st Heritage Payment Statement '' stating that our loan amount is {$3800.00}. 1st Heritage 's statements and correspondence have been very misleading. We did not agree to a loan amount of {$3800.00}. We also do not owe them {$3800.00}. We feel as though 1st Heritage is making these process misleading and trying to get us to pay an extra $ XXXX for the furniture that was financed. This process is so frustrating that will likely take money out of a saving account to pay off this loan as to not deal with a dishonest lender. It 's frustrating that this loan appears to be hard for the average consumer to manage and understand.
My Mortg age Loan is serviced by Selene Finance. I am trying to pay it off, borrowing money from friends and family. Selene Finance sent me a Pay Off Figure ( {$470000.00} ) valid up to   XXXX   XXXX . But I could not arrange the full pay off at that time and paid almost 50 %  ( {$220000.00} ) of t hat figure.   Now I am trying to arrange the balance amount again from friends and relatives and requested a new Pay Off. They gave me a new Pay O ff ( {$270000.00} ) valid  up to  XXXX   XXXX . This Pay Off figure is wrong an d Selene Finance is ove rcharging me by {$8800.00}, as shown in the attached calculation.
In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the XXXX XXXX XXXX XXXX  in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.
I paid the original creditor in full. I tried calling the debt collection agency and no one ever calls back. Its still reporting on my report that it is open by this debt collection agency.
I took out numerous loans for XXXX school from XX/XX/XXXX to XX/XX/XXXX. This is in addition for loans for my XXXX and XXXX education. XXXX of the loans that was taken out for XXXX school was from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, 1st Associates became the servicer of this loan. I received only an e-mail notifying me of this transfer, with no hard copies or attached documents. I completed forbearance paperwork while completing my fellowship, but the loan came into repayment in XX/XX/XXXX. I made a request to go to interest only payments in XX/XX/XXXX, and I was told I would be mailed the paperwork to complete this request. It never arrived, and I continued to pay my bill. I then noted that my interest rate was rising quickly, now 9.22 %. I decided to transfer the loan to a more reputable company who requested my master promissory note. I called 1st Associates to request this document, but instead got a letter in the mail stating, " Unfortunately, due to administrative error, we do not have a copy of your original agreement. Original contract terms are digitally uploaded into fields of our servicing database at account onboarding, guaranteeing a permanent record of the account details. '' This statement seems to contradict itself ensure presence of a document that they can not provide. I called again to request the documents and was told a request had to be sent through " Upper Management. '' I tried to find any contact information for XXXX XXXX ( which I think stands for XXXX XXXX ), but only find links to legal aid related to this company. I fear this may be a fraudulent company and am requesting help ensuring this is a legitimate lender before I continue to make payments.
Todays date:XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
To Whom It May Concern : I was put on a loan modification in XX/XX/2014. I paid XXXX payments. The second payment was a partial payment. 
I spoke to Flagstar Bank representative XXXX XXXX in your XXXX Florida Call Center. I told her it would be paid from my next paycheck. She said do n't worry about it. I 'm going to work on something else for you to lower your payment. I filled out all the required paperwork. When XXXX XXXX came, instead of receiving a lower mortgage payment, I received a payment schedule to start in XXXX XXXX raising my mortgage payment by {$400.00}. 
We have a unique situation with an XXXX year old XXXX daughter, who in the long run, her health might be negatively affected by not working something out with Flagstar Bank. 
The bank keeps saying I did not make a payment since XXXX, but that is simply not true. 
I would like a response to this message. 

Thank You.
When the new debit cards with the chip embedded on them are read on a pin machine with the chip reader, it automatically turns it into a credit card transaction, requiring a signature instead of the pin number, regardless if debit option was chosen. As a customer with Bank of America, my debit card was replaced prematurely from it 's expiration date with this new feature. As an agent for a merchant using the chip reader, I know this means the bank will charge us more for the transaction as a credit card than as the debit. I have discussed this with both my bank, who states the chip is a new requirement and with XXXX XXXX, who handles our merchant services, who states it is the card issuing banks fault. This is another case of banks taking advantage of the client.
My mother was returning calls and taking messages for me letting people who were contacting me know that I have been XXXX A call came through to my phone ( that I now believe was a cell phone, not business ) from a lady named XXXX and my mother immediately called the number back and spoke w/ her. She proceeded to tell my mother where she was calling from, what she was calling about, the status of my account, how many days past due I was ( which was 33 at the time and was said to be almost 60 ), and that I was in jeopardy of being sent to recovery. She then proceeded to get bank account information from her. There is no one authorized on my account but me and not only did this embarass me but caused an verbal altercation between me and my mother.
I have no idea what this is for. Debt has not been verified. no contract or signature provided.
EQUIFAX can not report correctly my address. In XX/XX/XXXX, I sold the house that my wife and I had lived in for 24 years and moved to a new house in the same town. When I ordered my free annual credit report in XXXX it still showed the old address so I contacted Equifax to correct the error. After realizing It was impossible to get anything resolved on the phone, I sent a letter, dated XX/XX/XXXX and furnished them with copies of our countys tax assessors details on our new XXXX state address and explained our move. I also furnished them a copy of my XXXX County XXXX Property Appraisers detailsI on our XXXX residence and enclosed a picture ( back and front ) of my drivers license for identification. Im sure this is complicated by my having two residences, one in XXXX  State and one in XXXX  ; however, I explained that in the XX/XX/XXXX, letter. The XXXX address is my address from late XXXX to early XXXX. From XXXX until mid XXXX we live in XXXX  State. Equifax issued a new report dated XX/XX/XXXX, however the new report still shows the same incorrect XXXX State address. Equifax shows the correct XXXX address as a previous address. 

Since I began trying to straighten this out I have received three Equifax reports under three different confirmation numbers all showing the incorrect XXXX  state address. On XXXX XXXX, I received an Email notice Your Equifax dispute had been completed. When I put in the information they requested they reply Great! Weve found your file. They then ask 4 question to verify that Its me. None of the questions applied to me. When I answered all the questions they replied : the answers you have provided does not match our records ; therefore we are unable to process your request online. 

Note, the final question asks about a student loan dating from XXXX. Im XXXX years old! Ive never had a student loan.