WillisBack/dataset-financial-user-claim huggingface dataset:
Navient continues to deduct additional payments over the agreed upon amount from my checking account each month. 

In order to receive their payment rate reduction, we had to sign up for automatic withdrawal. They are withdrawing over {$900.00} per month as opposed to the agreed upon {$640.00}, a {$250.00} discrepancy. When my wife calls, she is directed to the collections department even though we are, and have always been current with our payments. 
These loan amounts, many of which were accruing 17 % interest for years of deferments, have ballooned to well over {$200000.00}. All of her education was conducted online. It seems like this is one of the biggest scams in the history of our country. Im honestly appalled by this enslavement of an entire generation.
I was signed up for classes at XXXX XXXX of XXXX XXXX Michigan. I never attended the class. They are claiming that I emailed or called the teacher and claimed that I told her I would attend the class. However, I have never spoken with the teacher via phone or email. Therefore, I asked for prove an email that says this or phone records. Which the teacher has never giving out her personal phone number so I would have had to call the office and leave a message which I did n't. I always pulled up all my emails to and from her and never once was there an email about attended the class. I have had this teacher for years and yes if I did n't show up for class she would just keep me in the class thinking that I would show up. However, this time she was wrong because I never attended the class nor did I call her or email her. I have asked for prove which they ca n't provide.They are trying to collect XXXX dollars that they claim I owe. However the classes there are over XXXX They just do n't want to send the government back the rest of the money for the class that I never attended. M & M credit company
I shifted to XXXX last year because I am eligible for and going for the Public Service Loan Forgiveness program. I have been on the same income-based repayment plan since 2013. This last year, my income went up drastically. I've done my research and learned that I can stay on my plan, I just might need to pay more. I'm fine with this and it makes sense given the fact that I am going for PSLF. 

I have now applied twice to renew my plan, and been denied twice. " A letter '' is coming to me, but I was denied the first time on XX/XX/XXXX and still don't know why. I re-applied yesterday and was denied again today. I have received no contact back from them when I ask why. 

They are now moving forward with putting me on the standard payment plan, adding interest back to my loan so my payments are increasing even more, and ignoring my requests for an IDR repayment plan. I was with two other loan companies that were amazing, and am so frustrated that I have this experience now.
Discover bank requires a SSN to open a checking account and does not allow the use of an ITIN. Spoke to multiple agents who all said that I simply would not be able to open a checking account ( despite having a credit card and savings with them ). 
It also states on the bottom of the application that they need either of the XXXX, not necessarily a SSN : " Important Information To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each individual and entity that opens an account. 

What This Means for You - When opening an account, we may ask you to provide your name, address, Social Security Number or other Taxpayer Identification Number ( " TIN '' ), and other information that will help us to verify your identity. You may also be asked to provide a driver 's license, state ID card or other identifying documents. ''
XXXX XXXXXXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
Credit management company has called multiple times in the past 3 weeks alleging that I owe money ( apprx. {$300.00} XXXX to XXXX. When I inform them that I do not have a XXXX account they ask me for the last XXXX of my soc. # to 'verify the account '. I refused and said you give me the last XXXX digits, and I will tell you if you have the right person. They said they could n't do that. They said well perhaps it 's identity theft and we need to verify that. They said have you ever lived on XXXX, and I told them no. I told them I would run a credit report to see if I had any fraudulent information and to stop calling me or I would inform the attorney general of Michigan. They have called back 3 more times, and I have put a block on my phone for their number. I ran XXXX credit reports and there is no XXXX account or any other suspicious activity. The number they are calling from is XXXX.
First Financial Asset Management Inc, contacted my father on  XX/XX/XXXX  to attemp collection on a debt i no longer owe in  the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.
On XX/XX/XXXX I was contacted by XXXX XXXX about an Credit Card reduction program which assist me with getting my current credit cards into a 0 % reduction program. I was advised by XXXX  XXXX  that the program will cost me {$790.00}. I was told before the company could charge my card I would receive a call from XXXX  for me to authorize the payment with XXXX XXXX before they could process the payment ; however I missed the call as I was in a meeting. On XX/XX/XXXX I seen the charge of {$790.00} pending on my credit card from XXXX XXXX XXXX XXXX, FL. I called my credit card company and spoke to a representative and explain that I didn't authorized the charges as I was informed by XXXX XXXX that I would have to do before the payment could be processed. On XX/XX/XXXX the representative told me I couldn't stop the pending charge and I would have wait to file a dispute or call and ask for a refund from the merchant. On XX/XX/XXXX I called and spoke to XXXX XXXX and she advise she put in a request for a refund I never seen it, I called multiple times and spoke to Manger XXXX XXXX he put in a request for refund and instead of a refund on XX/XX/XXXX another charge posted for another {$790.00} to my credit card from XXXX XXXX XXXX XXXX XXXX FL, which I called XXXX  XXXX   again when I saw another charge pending on my account and told the representative that I didn't authorized this company to charge my card again, why would I let them charge my card again when I am disputing the first charge. The representative would not stop the pending charge again and the second charge posted to my credit card account. I have been disputing this charge with XXXX  XXXX  and the only phone number I had for XXXX XXXX  XXXX XXXX seem to not be vaild as the number is disconnected.
I came to know today my credit score suddenly dropped 30 points and I saw there was a hard inquiry done by XXXX XXXX XXXX on XX/XX/XXXX without my permission. So I am trying to report this as fraud hard inquiry was being done without my permission. I need to remove this hard inquiry from my credit reports. 

Another hard inquiry done which was fraud which I already reported long back was done by XXXX, XXXX done on XX/XX/XXXX. 

Need to remove these two hard inquiries from my credit reports of all three major credit bureaus.
After purchasing my home, for over two years I was with my original mortgage company, and was not late one time in payments due to being able to use automated payments with online banking. In the XX/XX/2016, I received notice my mortgage was purchased by LoanCare LLC. When the time was right, I changed the payment address through online banking and paid XXXX payment. Seeing that this went through just fine, I had not seen there was an issue, and when XXXX payment came due, it was paid via online banking automatically. This payment was made XXXX/XXXX/16. It was n't until the first week of XXXX, well past the due date, that I became aware the XXXX payment was not accepted. Rather than notifying me of this, they returned the payment to my bank account XXXX/XXXX/16, and stated I was late for XXXX. I was given no reason, and had to reach out to them to find out. In order to be sure the payment was made, I used LoanCare 's online payment to pay XXXX. I received notice that my account number had changed which is why it was not accepted. Oddly, it was accepted for XXXX payment but not XXXX with no fair warning as to why, and no help notifying me to be sure to change my account number if paying by check. That being said, I changed the account number with my banks online payment in time to make XXXX payment. But, unfortunately, the problem happened again. And even though I had been watching closely, I had assumed it was accepted since the money withdrew from my bank 's account. Sadly, not the case again. This time my payment was not returned to my bank account until XXXX/XXXX/16 well after the XXXX deadline. I sent an email right away to find out what happened, and to this day ( over 1 month later ) I have not received a return message and still do not know why XXXX payment was not accepted. Rather than use my online banking, I 've decided to use LoanCare 's website to make the payments since I know this will work. But, the real reason I am writing this complaint is that I received notice that my credit is now over XXXX points worse ( from Excellent to Good credit ) because of these supposed late payments. Again, I had excellent credit for a reason. My only fault was thinking I could make payments with my online banking, and have found out this was not the case. I tried to dispute the this via XXXX but, today learned it was updated but still showing XXXX payment as late. Thank you for your time.
Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose.
3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in I.C.2 in a communication to be sent to the borrower as indicated in I.A.18. 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX  XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
On XX/XX/XXXX I inquired with XXXX XXXX for new service. They said they would run a soft credit check to be able to provide service. I was very clear with them that I would not authorize a hard credit check and the representative assured me it would not show on my credit report. 

The HARD credit check immediately showed on my Equifax credit report and I filed a dispute on XX/XX/XXXX.  Equifax returned the dispute saying it was a valid record and refuses to remove it from my report. XXXX XXXX refused to provide any assistance in removing the inquiry. 

I cancelled my service request with XXXX XXXX on XX/XX/XXXX before any services were provided. 

I did not authorize a hard credit check and made it very clear to the representative that a hard credit check was not acceptable.
I want to send a serious complain about the terrible & not trust worthy practice Citibank is doing for their CitiGold checking account. I got invitation to open a CitiGold Checking account to open a CitiGold checking account for a XXXX XXXX XXXX miles promotion by meeting couple usage requirements, I got confirmation on XXXX/XXXX/16 ( see below ) that I met the CitiGold XXXX bonus miles promotion and meet the usage requirement and I will get my XXXX XXXX miles before XXXX/XXXX/16. 

I never got a bonus XXXX miles till today XXXX/XXXX/16 and I heard so many terrible complaints through XXXX search that Citi XXXX up and will not honor their XXXX bonus miles promise. 

I am request CFPB to step in to help me to resolve this False Citigold Checking promotion and get my XXXX miles credit ASAP. 

Thanks so much to protect consumer like me XXXX XXXX XXXX Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/2016 Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold Online Messaging Services. My name is XXXX and I will be more than happy to assist you with the XXXX XXXX miles promotion for checking account ending in XXXX. 

Our records confirm you met all requirements for promotion code XXXX. 

The XXXX bonus miles will be credited by Citibank to your XXXX account XXXX within 90 calendar days from the date when you completed all offer requirements. Please keep in mind this waiting period is standard for all promotions and can not be waived. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle, which will be no later than the end of the XXXX 2016 statement. 

Please note, all promotions will differ and are targeted to specific account holders during specific time frames. If you did not receive this promotion via your Citi credit card statement, personal email, or through U.S mail to your home address you will not qualify for this promotion. 

XXXX XXXX, it was my pleasure providing the incentive information. I hope you have a great rest of the week! 

At Citibank, we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number # XXXX listed above to complete your feedback.
I never received information regarding the debt that was owed by the apartment complex they reported I owed money to. There was never a letter sent to notify me of the debt that was owed from the company I received the debt from nor did they provide proof of the balance that I owed. I received calls that were very unprofessional. I paid off the debt because of the harassment I received but I do n't think the amount I was charged was valid being they did n't provide any proof of the debt I owed. I was pressured into paying the debt. Now the debt is showing up negatively on my credit reports. They should n't be on my credit report.
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquiries be removed.
In XX/XX/XXXX, Fifth Third Bank took over servicing of our mortgage loan for a property located in XXXX XXXX XXXX, XXXX. Fifth Third Bank contacted us for insurance information. We informed Fifth Third Bank that because we had just refinanced the mortgage within the year and insurance was validated in the mortgage process, the information was already in our file. We also warned Fifth Third Bank to not force-place insurance for the reason that the insurance was in force and was already in the servicing file. If in the transfer of servicing Fifth Third Bank 's file was incomplete, that is not our ( the consumer 's ) problem. Three separate telephone calls were made to Fifth Third Bank regarding the insurance. Today,XX/XX/XXXX, we received a letter dated XX/XX/XXXX stating insurance was force-placed on our property in the total amount of {$1600.00}. Today we called Fifth Third Bank stating for the FOURTH time that we already have insurance and that the insurance information is already in the servicing file. We notified the person on the telephone that we are prepared to sue and that we will be filing a formal complaint. This is that complaint, along with one we will file with the OCC. We will NOT pay the force-placed insurance. The failure to transfer servicing information is not our problem and should not be our inconvenience. Both of us ( owners ) are bankers by trade and one of us owns a mortgage company. We are well-aware that this is a servicing matter. The information on the XX/XX/XXXX notice is as follows : Fifth Third Bank, its successors and/or assigns, XXXX, XXXX XXXX  XXXX, XXXX, MN XXXX ; Account for XXXX XXXX XXXX, Account XXXX for property located at XXXX XXXX XXXX [ spelling corrected ], Unit XXXX, XXXX XXXX XXXX , SC XXXX. We contacted Fifth Third at approx. XXXX XXXX eastern time for the fourth contact today, XX/XX/XXXX. We supplied the insurance information today, despite the fact they already have the information in the loan file that is under one year old only because this is the FOURTH contact. This is their problem, not ours, but they made it our problem because they are lazy and/or inept.
XX/XX/XXXX  debit icon   XXXX   XXXX     XXXX   XXXX  Va    XXXX   XXXX     XXXX    {$11.00} XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va  XXXX  {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX    Va   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  debit i con    XXXX   XXXX   XXXX     XXXX , Va Us  XXXX  {$10.00}  XX/XX/XXXX  atm icon *  XXXX     XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  atm icon  XXXX   XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$3.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$100.00} XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   {$3.00}  XX/XX/XXXX  atm icon   XXXX   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$83.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$300.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   {$16.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va   XXXX   XXXX   XXXX   {$2.00} XX/XX/XXXX atm icon   XXXX   ATM Withdrawal {$160.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   , Md   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  atm icon * XXXX   XXXX , Va Us ATM Withdrawal  XX/XX/XXXX  Branch Banking And Tru  XXXX , Va U ATM Withdrawal {$200.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   , Va   XXXX   XXXX   XXXX   XXXX   {$8.00} XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00} XX/XX/XXXX atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$120.00}  XX/XX/XXXX  atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$100.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$160.00}  XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX atm icon   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$82.00}  XX/XX/XXXX atm icon @   XXXX   XXXX   XXXX  , Va Us ATM Withdrawal {$100.00}
Negotiated payoff amount was paid in full XXXX. They do not show that this was paid and are harassing us.
I contact XXXX on XX/XX/2018 to alert the company that a fraudulent loan had been obtained in our name. Since that time we ( my wife and I ) have continued to contact them by way of phone, email, and fax to remove the information from my credit report. As of XX/XX/2018, the company sent me a collection email when my wife called customer service on XX/XX/2018 to inquiry about the status of the identity theft. At that point, she was told once again, that we were behind on payments. When she communicated that this was identity theft, she was told they had not received the information so while on the phone she emailed the documents to customer service. 
I have upload the communications to the company minus an original fax that was sent in XX/XX/2018 that I can not locate the confirmation page. Though, at that time, I sent the documents via email and mail. 

XXXX XXXX
I have sent XXXX certified letters with return receipts to Trans Union requesting verification of XXXX accounts they are reporting. They have responded that they verified this information however, they have not sent me any documentation of the verification information that they have in their data base. The are in negligent non compliance with the FCRA section 609. I have also sent request for verification to the orginal reporter listed certified mail with return receipt. They failed to verify any information according to Section 623 and therefor it is impossible for Transunion to have verified anything especially since they have not sent ANY requested documentation to me. I have copies of all communication sent to and received from Transunion.