WillisBack/dataset-financial-user-claim huggingface dataset:
Multiple times putting me in forbearance without permission. I have to call and keep asking them not to. This has happened at least 3 times. Advertised and told me to go into the Repaye program without explaining the major interest on the back end. Delayed my entrance into program by getting 3 different answers about what they needed. Put me in forbearance again. Got out of income based repayment plan when saw interest amount and decided to pay off. Paid extra to apply toward principal. Applied it toward interest. Now they put me in forbearance again. I am on tape requesting I record the phone calls so I can prove Navient that every time I call someone gives me a different answers with an apology saying Im so sorry so and so told you that. That isnt the case. Ive explicitly told them do not put me back in forbearance and they keep doing it. I asked for a different borrower and they told me I have to find one on my own. I want to pay off my loans but I am scared they will not apply my money correctly. Please help. Just get me out of Navient.
The original creditor XXXX XXXX XXXX XXXX in XXXX, South Carolina cashed a check I wrote for {$300.00} for a pet deposit. However they sent me to collections saying I owe {$340.00}, not factoring in or including my previous payment. My account was handed over to NATIONAL CREDIT SYSTEMS where they inquired about payment of this {$340.00} in XX/XX/2017. Later in 2017 I sent them an official letter disputing the charges, saying they were not valid, and requesting proof of debt. I also sent them proof of my check cashed by XXXX XXXX XXXX. They did not/have not responded to me since. However the collection debt is still open and on my credit report, and negatively affecting my credit score. 

Since I have requested proof of debt, and since I have provided proof of payment, the creditor should comply with these requests.
This company has ignored attempts to provide proof of the debt, they have ignored my request to delete this from my credit or provide what the FDCPA 15 USC 1681 623a7 requires. They have threaten ignored and seems to have a calloused disregard for my rights and the law
I have made consistent payments on time into my private student loan through Wells Fargo. I still have late fees issued to my account, even though the monthly payment was paid well ahead of time, and for more than my minimum monthly payment. This has been done multiple times in the past few months.
Macy 's withdrew $ XXXX from my Bank account without authorization. While they refunded the money, I want them to refund associated interest for as many days to all impacted cardmembers. 
Also, they debited my credit card on XXXX for {$430.00} ... WHY? First you take a payment on XXXX on a zero balance and then DEBIT my card on XXXX again!! Why should I pay criminals like XXXX and Macy 's for what did not need any payment??? Refund me all such debited amounts back to the card as well as credit my Bank back on any unauthorized, criminal withdrawals. 
Macys and Citi also changed the credit card site SO MUCH that I can not even download my statement or even see my account details properly, they also undid all my autopay so that they could have me go late!!! I had called the customer reps who also could n't be too much help. Shameful, ignorant and simply criminal!
XXXX XXXX reported my account 30 days late forXX/XX/XXXX to both Transunion and XXXX. My payment was due XX/XX/XXXX and my account was paid on XX/XX/XXXX, which is NOT 30 days late. XX/XX/XXXX is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
I submitted a dispute against Capital One to all 3 credit reporting agencies. Capital One advised XXXX to DELETE Capital One account from my credit report. XXXX has deleted all information about my Capital One account as if the past 5 years of excellent credit with them did not exist. Capital One does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.
This debt was paid back in 2011 for a version bill that was paid way before it went to a debt collection agency. I want it removed off my credit report.
Central Financial Control / Syndicated Office Systems put a collections account for XXXX $ on all XXXX of my credit reports XXXX / XXXX / XXXX back on XX/XX/XXXX. 

They had not sent me a notice of right to dispute. When i contacted the collections agency requesting verification of debt they never sent me a debt validation letter. Furthermore they contacted family members including my brother and threatened legal action to collect this debt which they never verified. 

I disputed these debts with the credit agencies XX/XX/XXXX and they decided to verify them without any justification or reasoning.
The original creditor " The XXXX XXXX '' performed surgery on my wife 's cat. They stated we should use XXXX XXXX, and we subsequently applied and were granted {$4500.00} for the surgery. They performed the surgery, and did not anchor the leg pin correctly. The pin stuck out of the cats skin more than an inch, and required constant wound care. We took her back, and they said they had no idea what to do, and we had to beg for antibiotics. They refused to perscribe cat pain killers even though she had a XXXX out of her back. They then informed us that they had fired their office manager, and would not take the XXXX XXXX which they had suggested directly that we use, and that the full amount was due even though the credit terms with XXXX XXXX were 2 years no interest. This is unacceptable and borderline fraud. We attempted many times to talk with the business owner to come to some arrangement. 

We have since filed a small claims case against the practice, and we had notified the business of the court case prior to them selling our account to a collection firm " AUDIT AND ADJUSTMENT ''. When we found out about the collections, we contacted the collection firm and notified them that the debt was disputed, and sent them copies of the court papers. 

Their response was a simple note with the name, but not address of the XXXX XXXX ( I believe that FDCPA requires the address as well ) as their verification of the debt. We called back and reiterated that there was an ongoing dispute and pending court action. Imagine my surprise to when my credit monitoring software notified me today that " AUDIT AND ADJUSTMENT '' had filed a collection record. First the debt is clearly being disputed and a Judge will decide if the XXXX XXXX is liable tomorrow. Second for them to go after myself and my wife and ding our credit when there is a clear and specific dispute and pending court action where we are the moving party is insane.
1. Had made previous dispute regarding the company charging late fees on payments that are within the months time but apparently are n't within billing cycle.
2. Company had waived late fee and just notified had to make payment after the XXXX or XXXX of the month. I went to make a payment today on the XXXX. Then found a {$41.00} late fee charge.
3. Called customer service regarding this new late fee charge. Customer service representative described previous incident regarding payment. I am informed the representative that I had a letter from the company removing late charge. Also, stating to make payment after XXXX or XXXX.
4. I also stated that this charge was posted on my account on XX/XX/XXXX ( Screenshot ) representative then put me on hold to contact other department. Representative came back online and stated they will waive {$25.00} fee off the account ( which was previous late fee amount ). I told representative that will not suit me and I wanted no late fee charges as per company 's letter and I just wanted to make my payment. This had to be reiterated many times until representative stated {$41.00} late fee amount would be removed within 48 -72 hours. I stated that if this would be reflected online so I can review. I did not make a payment today so I can check after amount time after the representative told me it will be removed.
I was taken in by a investment scam. I explained to Capital One what happened, that the company did not deliver services as promised, and would not allow me to withdraw my own money. The numbers I had for the company did n't work, and no one responded to my email. Capital One reversed the charge but then re-billed me for the charges once the company provided fraudulent documentation regarding the claim. Capital One would not listen to me despite the proof I provided. They did not complete an investigation with due diligence and enabled a company illegally conducting business in the United States to defraud me.
I have account on my credit profile from XXXX and XXXX on these accounts that on my credit the reporting agency is n't reporting accuracy on my profile.why is n't the credit bureau made to obey the laws their not above the laws they supposed to be governed by the laws If the fair credit reporting act 609 states that account should be 100 % accuracy why is these bureau allow to keep things on a person file that causing hardship in my life I been turn for employment due to the negative impact on my credit I feel I 'm being discriminated against due to in accurate information that being reported
I 'm having continual problem gaining access to my funds. I just opened this checking acc't last week, and since then it has been one hassle after another. I was approved for the checking account, then all of a sudden I can not access my funds. I 've spent 2 hours today working on this.
Your Bank wants for information. Why did n't you asked for the SSN and State ID or Drivers License before you accepted my deposit of {$25.00}. I feel that I '' m being profiled unfairly and that if it was a XXXX last Name you would n't be putting me through these changes. This is n't right period. 

I 'm tired of the runaround I 've been given today. I want access to my Account by XXXX today or I am filing a Complaint with the Consumer Financial Protection Bureau. I 'm sorry for this, but it 's not right what you are doing. For the record my SSN except the last 4 digits is : XXXX. My Kansas ID is : XXXX XXXX XXXX XXXX XXXX XXXX ( my new address that I provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX or XXXX which is my preferred contact number. 

It 's a shame it had to come to this. I prefer to be contacted at the preferred contact number or this email address ( XXXXXXXXXXXX ) For the record, I 've enclosed my Kansas ID ( with my former address, city, and state ) and my Birth Certificate that proves I 'm a Citizen.
My credit is frozen with all three credit reporting agencies, but on XXXX XXXX 2015, XXXX XXXX issued me a brand new credit card. I sent letters to all three credit reporting agencies asking how it was possible for me to get a credit card when my credit is frozen and they responded with " There is an Active Security Freeze on your credit file. '' They did not answer my question. I want to know how it is possible, if there is an Active Security Freeze on my credit file was it possible for me to get a credit card.
I began aggressively disputing the below accounts since  XX/XX/XXXX  when I noticed they was charged off.  <P/>  1  )   XXXX   XXXX    XXXX   2 )    XXXX   XXXX    XXXX   3 )   XXXX   XXXX   4 )   XXXX  (  FOUR  ACCOUNTS )  XXXX   5 )    XXXX   XXXX   XXXX    ( been disputing since   XXXX   XXXX   )   XXXX  My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting.  <P/> In response the credit bureaus  1  ) told me the debt was valid,  2 )  reported it as fraud and  3 ) ch anged the status of the account from charged off and closed to charged off and open. None of which addressed my complaint.  <P/> Because of their response, although neither of which was my complaint, I then sen t TWO l etters  (  XXXX   and  XXXX   XXXX  ) asking for validation for the debt since they were stating it was a verified debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me.  <P/> Inaccurate reporting is occurring because :  1 )  Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation.    2 )  The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules.    3 ) T he bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
This is concerning the recent Equifax security breach. According to Equifax my personal information may have been impacted by this incident.
Hello, I have contacted TransUnion as well as the below companies, as I was instructed to do, MULTIPLE times about the following " credit inquiries '' that were absolutely unauthorized and are currently negatively affecting my  credit score. I  did apply for an auto loan in   XX/XX/XXXX   but this was through    XXXX   XXXX  /   XXXX   XXXX    only. I have received zero assistance or response from TransUnion custom er service, and to my knowledge they have NOT investigated this matter as they are obligated to do. AND its nearly impossible to get ahold of them, worst credit bureau out there and clearly not interested in protecting consumers Date :   XX/XX/XXXX   XXXX / XXXX    XXXX  / XXXX /  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , CO   XXXX   (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX  (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  (  XXXX  )  XXXX - XXXX    XX/XX/XXXX     XXXX  / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  (  XXXX  )  XXXX - XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  X, AZ 85038 (  XXXX  )  XXXX - XXXX   Please let me know if you have questions, and if any actions can/will be taken.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX   XXXX
I feel the XXXX XXXX XXXX is attempting to artificially manipulate the value of my home in order to create an easily acquirable foreclosure by a coercion with some entity desirous of manipulating someone from their property through predatory practices. 

I believe XXXX and other entities perhaps XXXX are working together with a Government Entity ( XXXX XXXX XXXX ) to untruthfully manipulate Real Property values, perhaps for a merger with surrounding townships and/or municipalities. This is a potentially harmful situation for the inhabitants of this area, particularly myself as a potential target. A vehicle labeled " XXXX.. '' repeatedly cruises the area for unknown reasons ( XXXX passes per day seems excessive for a dead end road ), the vehicle labeled " XXXX '' passes multiple days per week and several times per day some days. This has been occurring for several weeks to months now, and I feel this is a method toward an artificial manipulation sought to conceal inaccurate claims of valuation and untruthful claims of ownership and boundary. Is it not illegal for the State XXXX of Arkansas to participate in such actions prematurely and with prejudice? It feels like harassment and appears designed to drive people from their homes. 

There is a proper Quit Claim supporting the purchase of this property from the XXXX ( family ) named in the attached documentation and after purchasing I submitted the requested documents to the XXXX XXXX XXXX notifying them of " NO RELATION to XXXX XXXX '' ( previous owner ), however, I still receive mail from their family and feel there is an associative problem. These potential doubts of ownership, relation, and boundary may be related to XXXX XXXX ( past surveyor of " XXXX XXXX '' ), a Real Estate entity, or to the potentially fraudulent reception of government benefits by the son ( XXXX XXXX ) or the mother and previous owner ( XXXX XXXX ) neither of which reside at this residence, but use this address for mailing periodically. Financial, Legal, and Medical documents have been sent to my home regarding both the Mother and Son. My response is to mark the mail as Return To Sender " XXXX Does not live here. '' and mail it back unopened. I have attempted to remedy the situation by moving the mail box, but these problems still exist in different forms and at different times. I believe that an investigation of improper identity associations, property claims, property valuations, and/or property boundaries related to real estate trade that may be uncovered will shed light on questionable and/or criminal practices regarding Real Estate, Predatory Mortgage Practices, Land Disputes, and the improper use of Residence Identity for the reception of Government benefits.
I have been a member of TransUnion ' s Credit Monitoring service for approximately the past ten years. Approximately four months ago I signed in to my TransUnion TrueCredit account to get my latest report and everything went blank. No score, no report, no nothing. The " dashboard '' remains blank no matter what I attempt to do. I have updated the credit card I was using. At first the system would not accept it ; however, it finally wo rked and the funny thing is they have no problem charging the new card for the monthly fee. Additionally, the system will only give me the option to update my  XXXX  agency report occasionally and it never actually works. It just takes me to an error screen that says : " We are temporarily unable to complete your request. Looks like we are experiencing a problem ''.  <P/> Furthermore, I have called in at lea  st five times over the past three months and I get the same standard unhelpful answers : " They are aware of the problem, try again tomorrow, and it could be a browser issue ''. I have tried three different computers ( Home Mac, Home PC, Work PC ) and four different browsers ( Safari, Opera, Chrome, and Explorer ) on numerous occasions. Nothing works except that it appears to allow me to block or unblock my file.
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Extremely Poor Customer Service. In fact, I would have to say it is unbelievable. I even spoke to a supervisor who was clueless and simply repeated everything their   representatives have said before ; however, they could not resolve the problem and that is unacceptable.
The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.
I was offered a credit card over the phone about XXXX years ago by XXXX XXXX for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.
This all began in the middle of XX/XX/XXXX after i received a new job offer in Puerto Rico. When i called I was told that there was no problem taking my car down to Puerto Rico and that all that I required was a letter from them saying that it was ok to take. on XX/XX/XXXX I called again to see what the titling process was in Puerto Rico and was then advised that I could no longer take the car. On XX/XX/XXXX I then called again after I had reviewed my contract. In the contract it clearly states that I am able to take my car anywhere within the United States. When I called I was initially told that they were only allowed to let my car go anywhere within the 51 states. So I happened to ask what were the 51 states and was not able to get an answer as there are clearly only 50. After I was transferred to someone in the United States I made it very clear that Puerto Rico is a part of the United States and that they are now breaching the contract. They told me there was nothing they could do that their legal department no longer allows cars to go to Puerto Rico. In my honest opinion this is now blatant discrimination. They now have put me in a very bad position and now I am running out of time to resolve this problem.
Collectors called family members and people I no longer have contact with. Threatening tone. Would not give me any information about this so called debt, and kept telling me that I needed to pay. This debt is not legitimate, and all these collectors did was try to embarrass me by contacting my family and old friends, making it sound like I had a warrant on the run.