WillisBack/dataset-financial-user-claim huggingface dataset:
Navient never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead Navient kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through Navient if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT NAVIENT!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of Navient not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.
Received a letter from AMOCAL Systems or XXXX, they use both names, stating that XXXX XXXX XXXX XXXX XXXX was owed {$5500.00} from me. I called them. They said the bill was for services provided to my adult son. I explained he was an adult and this is not my bi ; ll. They stated someone said I was responsible so I had to pay this or they were providing negative information on my credit to the credit bureau.
A request for verification was sent to NCB Management Service onXX/XX/XXXXwhich was received on XX/XX/XXXX Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted NCB Management Service via  telephone at XXXX XXXX and spoke with NCB rep at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the XX/XX/XXXX day, I informed NCB Management Service via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request.
I have 6 missed payments showing up on my report and I have not been late on this account. I pay them extra for credit protection in case an emergency comes up. This company offer customers the option of paying through XXXX XXXX but for some reason they will not post payments the same day. A year ago my job work load got light and I told them that I was not working my regular 40 hours and I wanted to use my protection plan and it seems like I did not get approved for it because I have these six late payments showing up.
I have tried unsuccessfully to reach a live person in customer service to assist me at Experian. I have not been able to obtain a free credit report from them - ever. I called today numerous times at numerous numbers available on the internet and their site and was never able to speak to a live person even after entering my social security number, zip code and house number several different times. XXXX and XXXX   were awesome and very helpful and I got what I needed. Experian makes it so you never speak to a human being I am told. They want you to send your personal info through the mail and if lost, not their problem. They open you up to identity theft. How do I speak to a human at Experian regarding my credit report and placing a freeze on it. Their site is not helpful in addressing my questions either. Very user unfriendly. Please help me. Thank you.
I was approved as an XXXX in XX/XX/2016 which was cleared and I subsequently passed the background investigation. However in XX/XX/2016, XXXX informed me that it would be conducting another background check which I did not pass. I failed the background check because of a previous XXXX that I sustained. I immediately submitted certified proof issued by the court the the XXXX has been reclassified under a XXXX. Additionally, state law does not permit for this type of XXXX to be re-portable beyond seven years from the time of XXXX. Checkr also conducts background checks for XXXX, XXXX. I failed the background check with this company as well due to the information that is being reported erroneously.
Early in 2018 I noticed my FICO credit score decreasing from a level which had been above 800. Upon gathering further details via credit reports it was noticed that Professional Finance Company had an account in for collections of {$750.00} with my name. Per the XXXX credit report the item was opened XX/XX/2018 from an original creditor listed as XXXX  XXXX. This was first reported on XXXX XX/XX/2018 which I disputed on line at XXXX in XX/XX/2018. Upon calling Professional Finance Co to clarify they did not confirm or provide information about the amount in collections. I have no record of a bill from whomever submitted the account. Also no mail or other records from Professional Finance. I submitted a certified letter to Professional Finance Co of XXXX CO in XXXX via US post office requesting detailed information. A signed receipt of the certified mail was received however again no information received from Professional Finance. I have also submitted via mail in XX/XX/2018 to XXXX disputing the information upon which they have not been able to supply any further data other than to confirm the debt is assigned to myself. I have over 30 years of strong credit records with never a collection issue. Now I have a negative note on my credit report ; however no one has provided me with any record of this credit item and where or how it originated. This is impacting my finances as I have taken out other loans this year which have been at less than preferred rated due to this unknown and unverified credit date by Professional Finance. I would like this removed from my credit and my credit score restored.
On XXXX/XXXX/XXXX I attempted to pay my credit card from Citi Bank. I noticed that I had a high balance and I never use the card on top of having a late fee for XXXX of XXXX even though I paid XXXX on that month they still gave me a late fee. So I called to try to cancel doing business with this vicious bank. They refused to waive fee and did not explain why I got a XXXX} balance despite paying high amounts every month and not using the card at all there is no way my bill can be that high. They also solicited my business by offering me a low interest credit card when I got card it came with a hefty interest rate of ( 23.99 % ) OUCH!!!! are we in America?? 

I requested to close my account and it was a very hard process. I was lied to by the rep at Citi Bank I was told when I made that XXXX payment that if I call in XXXX they will waive any late fee since I am paying a big chunk of bill and on top of that it only a few days. The reason was I was a victum of the Hurricane attempting to help family and friends this was the only reason I was late. Citi Bank and it 's employees did not care. I therefore want to close my account and have a full audit of my account they refuse so I hereby request the assistance of CFPB. 

Outrageous conduct by Citibank it 's called calculated legal theft of monies of millions of poor people.
I am part of the equifax breach, was offered protection and after 7 days received the signup email to trustedid premier. The website keeps crashing and will not let XXXX set up an account. I have tried for 3 days with no success. They say to keep trying, the phone is busy.
On XXXX XXXX, 2016 I mailed a RESPA Qualified Written Request to Chase ( XXXX ) in XXXX Ohio. The letter ( with a copy of the original application form ) was a follow up to correspondence from Chase which included a copy of a loan application with a number ending in XXXX. The application also referenced and entity XXXX ( XXXX ) in connection with the same number ending in XXXX. Our letter sent XXXX XXXX, made the following request : " Please provide the XXXX number for the herein referenced APPLICATION for a Chase Home Equity Line of Credit. To date no acknowledgement or response has been received from Chase in regard to this request for information pursuant to RESPA 12 USC 2605 ( e ). Our correspondence was sent via US Postal Service with the tracking number XXXX and was delivered according to the USPS website on XXXX XXXX, 2016 at XXXX XXXX in XXXX, OH XXXX.
XXXX PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM EXPERIAN . WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE XXXX IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.
I just called FedLoans to see what they offer to people who are relocating for a job. I have to relocate at my own expense, and can not afford pmts until XXXX after I settle in at my new location. They have nothing to offer. They offered a new repayment plan, which would have increased my repayment amount to something that I can not afford. I should not have to do all of that just to postpone my payments for a month to a month and a half. Can the CFPB help with this?
This is a fraud claim was filed with XXXX back in 2011 ... .9 years ago! 
XXXX XXXX never reach out to me.Violating the Debt Act law. Plus its been 9 years.This is an violating of the Debt Collect Act.
SOMEONE APPARENTLY TRYING TO GET SOMETHING AND USING MY SS # DUE TO THE AMOUNT OF INQUIRIES ON MY REPORTS I DID NOT AUTHORIZE THESE INQUIRIES
Transunion Transunion XXXX Transunion XXXX Transunion plus transunion XXXX XXXX needs to send me their hard credit inquiry of XX/XX/2018 also ( they do monitoring for transunion ) They keep sending me their advertising via email Please notify them to cease harassing me since I Reported them to your agency.
I have various checking accounts at Wells Fargo and use the online payment system from XXXX to make payments by check, which is mailed to the recipient. Recently I wrote a check for about {$2300.00} to my insurance company for a homeowner 's premium. This was to replace policy I had paid for a week or so earlier with a better one recommended at the last minute by the agent. I asked the agent to hold onto the check until I had received a refund from the other policy, and she has kept the new check on her desk. But in the meantime, Wells Fargo debited my account for the {$2300.00}, causing the account to go into overdraft and impose a {$35.00} fee. When I complained, WF reversed the overdraft fee and explained that this type of payment is debited from the customer 's account on the date specified by the customer when the payment is ordered, but that the payment is not forwarded to the recipient until the check is cashed. The representative had no answer for why this should be different from the procedure with a traditional check. In my view, the bank is not at risk in this transaction, because it could simply refuse to clear the check if there were insufficient funds in the account, as it does with ordinary checks. I feel the process is designed to increase the odds of an overdraft for which a fee can be charged. It is similar to the practice of booking withdrawals before booking deposits, even if they come in the same day. This practice should be barred.
mortgage service charging borrowers ' excessive fees : late fees - swept onto accounts on or before the grace period actually expires. Issuing " late fee '' correspondence to accounts that have been set-up or on Auto draft, EFT or ACH and triggering inspections leaving borrower to absorb costs that they have no knowledge of ; healthy corporate advances and misapplying payments due to error in payment process ; reversing payments ( long enough to collect " per diem ( s ) '' ) and, then applying late fees after corrections ; calling borrowers who have asked company to Do Not Solicit ; letting bankruptcy accounts walk away without the knowledge that they can reaffirm thus locking them into payments that eventually cause foreclosure because of no reaffirmation ; not reporting on-time payments to credit bureaus and borrower has no knowledge until they are into re-financing ; borrower 's are told not to make the current month payments while awaiting for re-finance decision and if the re-finance is not approved, then the payment considered late and [ borrower ] absorb late fee and are now a month behind and struggling to catch up. Not sending borrowers ' [ their ] time-stamped collateral after payoff and much more. 
The systems algorithm is primarily set-up to sink the borrower thus, these malicious atrocities and others leaves one scrambling for payments that could have easily been applied in a timely manner had Borrowers been told to make the payment so not to affedt their credit report. Borrowers are aware of this and know that this particular mortgage service is getting worse... now they are trying to re-brand because of a lawsuit payout. Nothing has changed, they are still predatory lenders.
I went to the University XXXX XXXX and have student loans through Discover. I have recently contacted them to get a lower monthly payment since they want more money than I pay in rent. The told me I could split my payment which is not helpful. Then the executive at Discover told me to contact a lady that specializes in repayment and I have yet to get a phone call back, not to mention the fact that I get XXXX phone calls a day harassing me for money.
The HARASS me everyday for money!!! I can not make the minumum payments, and they REFUSE to take anything lower. Its all or nothing with these clowns!!! I was lied too when i went to school, and have been THREATENED multiple times by these cowards via the phone. I HATE THEM! 

They will take your last penny and make sure you have no food to eat, and think everyone has a money tree in their yard! WOW, what a horrible company to work for. I would rather be homeless than work for these cowardly money sucking low lifes. 

I would have never went to college if I would have known this XXXX would happen, hows that make you feel!?!? 

They just refuse to help, refuse to let you pay back your loan based on what you make. They are no help, theyre horrible humans on the phone, and I wish nothing but the worst for them. 

You want {$800.00} a month and I make about {$17.00} grand a year and live at home ... cant even afford to move out because of you XXXX! 

XXXX XXXX XXXX
They called a few times already. But leave no message or whatever. I do not know who they are but I did XXXX there number. It could be from when XXXX XXXX is paying XXXX dollars of bad debt practices to consumers so my other debts might have been paid to them. But nothing in my mail or anythingelse except there phone calls but not leaving messages is harrassment anyways.
This creditor is reporting negatively on my credit report. I send a debt validation letter and i received a print out on XX/XX/XXXX. The letter is not any verification of debt with this company, i sent a second letter on XX/XX/XXXX and i have never received any response back even though my letters were send certified mail. This Debt is for XXXX originally from XX/XX/XXXX.
So I dont really check my credit report, and recently after all the data breaches and what not that have been going on I finally looked into it. And what I've found was kind of shocking. 
On my open accounts from XXXX XXXX XXXX XXXX they have miss reported it on 3 different occasions. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on WELLFARGO CARD SER ( which is closed ) they have mistakes on there also XX/XX/XXXX and XX/XX/XXXX and I found an Iquire from XXXX XXXX XXXX showing a XX/XX/XXXX pull but Ive had this account over 2 years! 

I have never been late on paymets becuse they are auto paid i reached out the the lenders and they refused to fix the problem these late scores are hurting my credit. I didnt think I had to watch out for these shady practices. Please help
I was reviewing my finances with my friend who pointed out this discrepancy with my account. I was not aware that my account was set up in this manner as I never authorized such. We initially contacted the Wells Fargo customer service line on XX/XX/2019, and made a complaint via the phone. After a long hold, we were advised by the customer service representative that they had wrongly attached the Wells Fargo Visa to my personal account to cover overdrafts. I advised that I wanted all the funds reimbursed over the amount of the actual overdrafts and any interest to be placed a 0 % until we had an opportunity to fully resolve the matter and all costs. A few days later, I noticed that a partial reimbursement of the most recent overdraft charges had been credited to my account in the amount of approximately {$510.00}. Still pending are numerous overdraft charges applied in previous years as stated above for the same identical fees in the amount of {$300.00} per occurrence, although the overdraft could have been for a few dollars. As such, on XX/XX/2019, I visited the local Wells Fargo branch and met with XXXX XXXX, Personal Banker, XXXX, XXXX. I filed a grievance with Mr. XXXX at that time. The Wells Fargo reference number for this research is XXXX.
MAJOR issue here. Back in  XXXX ,  XXXX , I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forward to  XXXX , and I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date   XXXX   is showing : Company Information :  XXXX   XXXX  Date of Inquiry :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  Experian is showing :  XXXX   XXXX  Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX  And   XXXX   shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.
I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this. 

I am now hoping you may help me with this case. 

Thanks :
I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.
This complaint pertains to my Experian credit report only. The information from the other credit bureaus has been removed. 
The creditor XXXX XXXX, Account # XXXX has refused to correct dates of delinquency or inclusion dates under the Chapter XXXX that I filed on XXXX/XXXX/XXXX. Instead they keep using the date XXXX XXXX. The date XXXX uses on my credit report of XXXX XXXX is causing the negative information to remain on my credit report for XXXX additional years. Also archived reports from Experian show that I had delinquencies in XXXX ( which I included in my disputes ). The negative information should be removed this year. Instead it is showing that it this account will continue on record until XXXX XXXX. 
More than 7 years have passed since my filing of Chapter XXXX and original delinquencies, therefore I feel it only fair that they stop reporting the wrong negative information on my credit report ( Experian ). I have sent in many complaints to Experian only to have nothing done.
Had a fraudulent bill as a result of identity theft at an old apt with XXXX on my credit in collections, disputed the bill collection was removed from all XXXXreports now XXXX keeps reporting on my payment history that I have an open acct with them and I 'm missing payments every month ruining my credit I have had this removed from all other credit bureaus except experian who just keeps telling me the info is accurate and and was verified by the company I do n't understand how I 'm being reported as not making payments when I do n't have an open acct and it was found that the original acct was removed