WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX , I received an email from Navient stating that I had until  XXXX   XXXX  to contact them about setting up a payment arrangement. I emailed them right back and explained that I did not have access to a phone and would need to handle via email. They explained to me that I could not and needed to call. When I called Navient and explained my personal and financial situation,  XXXX  said that I could apply for an Income Based Repayment program but that there was no rush to submit my paperwork. When I called back the first week in  XXXX , suddenly my account was charged off despite  XXXX  explaining that there was no rush to submit paperwork and payments. I have been working with  XXXX   XXXX  to see if there was a resolution to removing the charge off status of my loan when she informs me that a loan of mine has already been charged off and was done so in   XXXX  . I never received any documentation about this, despite being in constant contact with Navient, including submitting forbearance and payment arrangement claims. I asked her who the collection company was and she said it was the same company for the new loan -- all new information to me.   She stated that her records indicate that the charge off is valid and that she has no record of my conversation with "  XXXX   XXXX  ''. I explained to her if I had been made aware that the information I received was time sensitive, I would have submitted the necessary paperwork but between  XXXX  and  XXXX , no one told me that my time was limited. Both of those ACTUAL representatives ( not an automated system ) told me that there was no rush to submit my application and paperwork, since I was in a particularly dangerous and volatile situation.   Now, speaking with  XXXX , apparently the burden is mine to prove that these conversations existed, regardless of their vast telephone monitoring software. And I must dig up my records to show that I actually spoke with  XXXX  and  XXXX . This does not even consider my apparent charged off loan that I never knew about and never received any communication with them in reference to. When I log into my Navient Account, but accounts still show as valid, current, and accepting payments.   This inaccurate reporting of loan information is dangerous. I now have practically insurmountable debt standing between myself and purchasing a home -- all because their separate departments do n't communicate with each other or with me.
They have called me serveral times including my mother XXXX my father XXXX stepmother once and my daughter XXXX. They have accused me of multiple things but all different to each person. They called from an unknow number telling each of us we need to call ARA at XXXX by end of day or we would all be served. I call back and question them and informed them that I paid on the loan and they told me to prove it to the judge and hung up on me. But they keep calling all of us. They called me using our local sheriffs office number and when I called it back they informed me they dont make phone calls like that. They called my father stating they were from the State when he asked for a phone number to verify it she stated she couldnt give that information out and hung up.
I made a payment on XX/XX/XXXX through XXXX XXXX XXXX 's website using XXXX XXXX XXXX as normal. However on XX/XX/XXXX I received a voicemail message. I returned the call early the next morning ( XX/XX/XXXX ) and spoke with a Mr. XXXX. He indicated that it appeared that the system was unable to locate my account. He said there may have been a glitch on their end since they were updating their system. I used another form of payment and made the payment. He indicated that any fees incurred were waived and my account was at XXXX. On XX/XX/XXXX I spoke with Ms. XXXX because when I went to make a payment on my account online, it said it was blocked because it was overdue. She informed me that their system had been down over a week but my account was current but the late fee and miscellaneous change was still reflecting in the system. I explained to her that I had spoken with Mr. XXXX and he had ensured me that those fees were waived. She said she saw the note but nothing about fees being waived. She said she would put in the request. I just received my current bill and the fees are still on my account, which total {$42.00}. I don't feel I should be obligated to pay them since they were having problems with their system.
I was told the total of the truck was XXXX my payment would be XXXX a month. I get my payment book and every payment says XXXX I call XXXX XXXX XXXX the guy says it because some months have more then 4 weeks in them. I make my 1st payment then by the time I make my 2nd payment they saying I owe XXXX dollars on the truck the paper work I signed the only paper work I got says XXXX but the kcredit place says I owe XXXX saying I gave the sales guy permission to sign my name on form which I never did so I was not aware of me being locked in for 5yrs paying XXXX a month oweing over 12,000 dollars in interest I was only made aware of it once I made a complaint to the credit people about my account saying I owe XXXX dollars.
Hello, I 'm a XXXX. I took out XXXX school loans from XX/XX/XXXX-XX/XX/XXXX serviced by Navient ( formerly XXXX XXXX ) for well over XXXX. For the next 6 years I finished my XXXX ( 5years ) and XXXX ( 1 year ) at XXXX including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with an average yearly income of XXXX. Through out these six years I was repeatedly and from the very beginning was steered by Navient into forbearance. 

The cycle began with when I started residency and my loans went into repayment and I discovered that the monthly payment was almost equal to my monthly income. I was told by the company that deferment and forbearance is my best option unless I had another source of income. Yearly I would receive letters stating that forbearance was expired and that the next payment ( almost equal to my income ) was due and several times received a late fee because I failed to make that payment. Then I would call and was told that the best option was sign a forbearance to avoid further penalties. In the end I was left with nearly XXXX $ when I graduated fellowship. XXXX When I got my first job as an XXXX at XXXX XXXX XXXX, I met with an financial advisor who explained that an option called Income Based Repayment was available and I could have also taken advantage to Loan forgiveness that would have saved me over XXXX $ over the years, however it was too late because now my income has substantially increased and I did not qualify. 

I feel that Navient steered me as an struggling borrower toward forbearance, and obscured information about programs that would have saved me over XXXX $
on XXXX XXXX, 2017, XXXX XXXX put 3 Fraud Medical collections on all 3 credit bureaus. We notified XXXX XXXX by phone call that these were not my debts, but were Identity Theft. I never had any knowledge of the bills, nor was I at the medical facilities they claim these were from. 

They agreed that these were due to Identity Theft and would remove from all 3 credit bureaus. However, they continued to leave on there. 

I filed a XXXX XXXX Police Report detailing the Identity Theft and the Fraud specifically from them and the account numbers. 
They still have not removed the Fraud that is not mine from collections under my name.
Over 45 days ago, I sent a request to Equifax and XXXX XXXX asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.
This is the substance of my complaint against Capital One. They have employed one stalling tactic after another in processing my home equity loan application. I believe early on they realized the interest they were collecting on my Capital One credit card balance was about the same as they would be collecting on this much larger home equity loan, so they put my application on the back burner. Is this not illegal? They have cost me and my son ( to whom I am going to gift a part of the loan proceeds ) more than {$1000.00} in additional interest on our credit cards. If one instance of this behavior is not illegal, should they not be investigated to determine if a pattern of this consumer abuse exists? 

You are able to monitor the progress of your application on their XXXX. It offers no communication, secure or otherwise. For nearly two months there has been nothing for me to sign, nothing for me to provide, yet, over that time, it has consistently reported, " 9 complete, 2 [ documents ] in review. '' When his subordinates ceased communicating, I sent an email to XXXX XXXX, Manager ( the text is attached to this complaint ). Nearly ten days have gone by and he has not responded. Read this and you will get a full timeline and details. 

The next document I am attaching is a letter from Capital One advising that they are exiting the home equity loan business. Why send this to me? My application had already been in process for three months! This makes me wonder if any of the people with whom I have been communicating still have a job at Capital One. 

The next communication I received was an email asking me to take a survey. After I checked boxes critical of their customer service, I was INVITED TO CONFIRM THAT I WAS WITHDRAWING MY LOAN APPLICATION! Of course, I did not do this, did not submit the survey. What kind of trickery is this?
My wife and I borrowed to buy our home from XXXX XXXX XXXX XX/XX/XXXX. She passed away suddenly on XX/XX/XXXX. My mortgage had been purchased by Wells Fargo Home Mortgage several years prior. The people denied all help and even made reference to my XXXX marriage saying I could use my " XXXX '' as an excuse to blame their treatment of me after my wife of almost 20 years passed away. The person that make the insulting statement was XXXX XXXX. He spelled it for me.
Under the Laws of the FDCPA, I have previously sent XXXX XXXX a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe them. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I enclose copies of my requests to XXXX XXXX, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to XXXX, XXXX XXXX and XXXX. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
I have attempted over the course of 4 years to correct this issue with my credit file. The issue is primarily with Equifax but has been an issue with the other two. There are security questions that allow you to view your report. On these forms are questions about lines of credit, loans, retail cards and bank cards I have never owned. I am, because I have n't the answers to these questions, not allowed to see my report or to properly dispute this information. 

These items are as follows : Mortgage loan XXXX XXXX Home equity line of credit - XXXX XXXX Retail card - XXXX XXXX Retail card - XXXX XXXX Auto loan lease XXXX XXXX Installment Account XXXX XXXX Student Loan - XXXX XXXX If these items are what they seem like, then I have not only been kept from my file, I have also been kept from protecting myself from fraud and I.D . theft. 

Any help would be greatly appreciated.
When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of two or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.
This Chase Freedom credit card is a blood sucking credit card, Chase bank is filled with Liers and Scammers, I was overseas in the month of XXXX and without informing me chase closed my credit card, I only had that credit card in my posession in XXXX and had such a hard time, there was no letter, no warning, they are like a traitor. My XXXX XXXX XXXX got delayed because I gave my Chase freedom credit card information to the XXXX but as my card was closed they could n't charge and sent me my application back. 

Moreover, I reported some of the fraudulent charges from the Year XXXX, and I got a credit of {$3700.00} on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX I asked the Credit card company to cut the check and sent to me, they do n't want to write the check and kept on lying to me till today XXXX/XXXX/XXXX, and now they are subsequently placing the charge back on my credit card, Now I only have a credit balance of {$1100.00}, {$2600.00} has gone in the pocket of Chase. They are making a fool of me everyday, saying that they cut me a check today, they cut me a check tomorrow, as If I am a fool and will do nothing about it. 

Whenever we dispute a charge, Chase takes back the money from the merchant but do not give it to the customer, thats how chase makes money, thats their money making mantra, I am calling them from last two months, sometimes they say one things, other times they say another thing. Chase freedom is not Freedom, it is incarceration. 

I have attached the screenshot, you can see last month the credit balance was $ XXXX and this month it is $ XXXX What is this nonsense, I recieved no letter, nothing from chase freedom.
XX/XX/XXXX, I received a statement from Discover Card stating my charges for the prior month. Included on that statement was an erroneous charge. I reported this to Discover and was told that they would remove the charge but also had to cancel my card so the number could no longer be used. They also said they would issue me a new card. They removed the erroneous charge and canceled my old credit card number and I sent them my credit card, cut in two. but they never issued me a new card. Later when I told them I 'd never received the new card, they said I 'd have to re-apply for a new card. After much haggling, I finally tried to apply for a new card. But they rejected my application saying they could n't verify my credit. I found that that was because when they canceled my credit card, I no longer had any credit. my credit history consists of only several closed accounts so my credit score dropped from XXXX to XXXX. So Discover wo n't issue me a card because " they '' canceled my prior card. Now I have no way of obtaining credit even though I 've have perfect credit for the entire time I 've had a credit card beginning in XX/XX/XXXX, 29 years. I do have a Debit/Credit card from my bank the XXXX XXXX, but I 'm led to believe that that credit is only valid through that bank and is not reported to the national credit reporting agencies.
I have been working with Sallie Mae on my current student loans and from XXXX of 2017 to current. They have received information from public records and have been harassing my ex-family members. They have not been authorized to use this information and it was not given to them by me or the co-signers on my loan. I believe they are taking private information of people I may know and using it without their knowledge. Sallie Mae is already under a class action lawsuit.
I have XXXX complaints to file with my XXXX loans which are serviced by Shell Point Mortgage. 
The constant misapplication of payments has caused me great suffering and great confusion. I am the managing memeber of XXXX. I also have been originating mortgage loans for 25 years. I have had loans with almost every servicer in existence over the last 25 years.
I received a letter for debt collection from XXXX XXXX XXXX XXXX in XX/XX/XXXX for a parking ticket on a car that I do not own and a ticket that is not mine. In the letter they threatened to boot/tow my car if I do not pay them. I sent a letter to XXXX XXXX XXXX via certified mail on XX/XX/XXXX and was verified they received on XX/XX/XXXX, requesting for VALIDATION of debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I also asked for the name and address for the bonding agent of XXXX XXXX XXXX XXXX. My request was ignored and XXXX XXXX XXXX  XXXX continued their collection activity, sending me another letter, dated XX/XX/XXXX. Again requesting payment of ( unvalidated ) debt, threatening of action against my driver 's  license, and booting/towing of my vehicle.
Transunion received my documents XX/XX/2015. XXXX XXXX Ireceived investigation results. They deleted XXXX XXXX, butregarding XXXX & XXXX I 'm told I must contact the creditors? 
Why is it my job? Transunion is not in compliance with the law. 
Do I need to hire another expensive lawyer to expedite this? 
XXXX was my legal team. I 'm done. They submitteddocuments to me which I submitted to Transunion ; as well as ; theother XXXX credit bureaus. Again I ask, why the discrepanciesbetween my documents and the inflated figures provided by thebanks?
A man with an XXXX ( country of XXXX ) accent called and asked for a name I do not know. When I finally was able to get him to tell me what he was trying to do, it became clear that he was trying to pressure me into paying someone else 's debt. He said I was this other person 's contact to pay it. He was lying and should be sent to prison for this tactic.
Experian lowered my overall credit score. When I called member services to find out why, they looked into it and could not find any reason for the lower score. They would not correct. Sent me to a financial advisor but could not talk to an advisor unless I bought and identity theft package. Nothing on the report no fraud alerts, late payments or new accounts to dispute.
I disputed this information because this was not my debt. I contacted XXXX XXXX services and I have a XXXX balance. This belongs to XXXX XXXX. The incorrect debt was removed from my credit on XXXX XXXX 2016. I recently just saw that this debt has been reinserted after it was deleted on XXXX XXXX
I, ve have asked for information from Experian on these accounts by certified mail, now im asking thru this site, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX, unverified XXXX XXXX XXXX, XXXX, unverified XXXX XXXX, XXXX. XXXX, unverified XXXX XXXX XXXX XXXX XXXX, unverified You can upload thru this site all documents you have that verifies these accounts as listed
My legal name is not reported on XXXX and it will not let me update my information, yet I have had the name for over 10 years ; There are employers reported I have no knowledge of and accounts opened that I also have no knowledge of. I can not receive any of the XXXX credit reports because I am unable to verify my identity because the information I have found reported to XXXX does not belong to me. My monthly income is not accurate either.
XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX # B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Americollect is trying to collect on several medical bills that are not mine. I asked them to validate the debt and they sent an break down of all debt BUT they are not mine. There is nothing other than the name and address that links this to me. They did not show anything with Date of birth, or Social Security number. They are only using my name and my name is common. None of the items they are reporting to the credit bureaus are mine
I could not make my XX/XX/XXXX payment, as I was in XXXX  school. When I called at the end of XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XXXX payment XX/XX/XXXX. I made my XXXX payment XX/XX/XXXX to ensure the XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.