WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX - I contacted Navient regarding the status of my account. The representative informed me that it was past due and suggested I applied for an income driven repayment plan. I did as he suggested, over the phone with him, and we didn't disconnect until it was successfully submitted. He stated he would take care of the past due and bring my account back to good standing. At this point, nothing negatively had been reported to the credit bureau.

XX/XX/XXXX, I called in because my credit score dropped XXXX points. This was reported to the bureau on XX/XX/XXXX. The status of my account had been changed, according to the credit bureau, and my Navient balance had gone up nearly {$10000.00} over a 2 month period. I've been out of school for almost 5 years, this has never happened before! Neither was this explained that this was going to happen or that's in depth, what he was doing that day ( XX/XX/XXXX).

The representative stated that no later than XX/XX/XXXX my account would be updated and it'll return to as it was. I was furious because I informed him that I should've been on an income repayment plan by that point. I logged into Navient.com while on the phone with him and sent the proof that I'd successfully completed the documents while on the phone with the representative in XX/XX/XXXX. That means that in XX/XX/XXXX, my account status should've changed from " forbearance '' ( although I had no knowledge thats what it was under ) to " Income Driven Repayment '' ... They had not processed the application. 2 months, and they had not processed the application!

So XX/XX/XXXX, after speaking with him and he reassured me everything was fine, I got an email XX/XX/XXXX that my " Income Driven Repayment '' plan had been approved and in full effect. This was my second time doing so.

I called in today, XX/XX/XXXX, and was told that upon them fixing the error, the status of my account would go into past due. How can my account leave " IDR '' plan, to a past due status all because of them?! I'd be forced to make the payment. This is totally unfair, their error, their scamming, and no one to aid me. Please help me with this!
I payed my balance off in full. I called the company to confirm this. They told me it was paid off in full. I was not aware that they claiming that they received the payment late in spite of sending the payment on time. I was travelling and out of the country so I was unaware that there was a {$25.00} dollar fee that has destroyed my credit scoer. So in spite of having paid the balance in full and confirming it. I was charged a late fee and was unaware.
In XXXX of 2018, the account I had with XXXX XXXX XXXX XXXX was closed and paid in full. On my credit report, it shows the account is open and is now late. It is hurting my score and making it impossible for my husband and I to buy a house. I have disputed the info with Equifax TWICE now, with supporting documents from XXXX stating that my account was paid in full and closed, and they still will not fix it. I also have included documents from the dealership stating the car is no longer in my name and showing the check they used to pay the bank in full. The other reporting agencies have it closed on my reports from them, as well as my husbands ( the co-borrower ).
I am a new customer at rush card and i cant access my direct deposit. I called and I got through nd was told my money was on the card and when I went to the ATM I could not access my funds. I called back and was told when the system come back up I can get my money but it has been 10 days since the system went down. I have still no been able to get my money.
XXXX XXXX was reporting on my credit report that a portion of my student loan, {$22000.00} was included in my bankruptcy therefore showing it 120+ days late and that it was now on a wage earner plan. All of this information is incorrect. Ohio law prohibits student loans from being included in a bankruptcy. These loans were on forbearance during this time. Also, my entire loan for XXXX XXXX ( a.k.a. XXXX ) owed is {$47000.00}. Why would only a portion of it be included on my bankruptcy. Again, all incorrect info. I sent them a letter stating this and the information was removed from my credit report. Within 30 days, the information was put back on my report but now reporting under Navient Solutions on my XXXX reports and under XXXX XXXX on XXXX. I would like this information removed from all credit reports as it is inaccurate information.
I refinanced my mortgage with Provident Funding ( XXXX ). We filled out the requisite paperwork at close including the instructions to establish autopay on our account immediately. Provident claims they did n't receive the paperwork and I received a notice after the first payment was due indicating that our payment was deliquent and that a {$70.00} late fee would be imposed. Provident is refusing to waive the late fee even though the mistake was made either by Provident or the title company they selected to facilitate the close. It is shameful that they are attempting to earn a fee off of incompetence on their end.
I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I  recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XX/XX/XXXX. XXXX XXXX which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called Gordon, Aylworth + Tami P.C. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.
I received a call from XXXX XXXXXXXX XXXX demand the balance of an account for about XXXX. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only. 
I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance ca n't be verified. 
First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX. 
As of the second email, the company has not validated the debit properly, but still reporting it on my credit.
This debt agency keep calling my telephone number XXXX day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.
Good afternoon as always, I make my payments on time XXXX usd,  over a 2.600 loan that I took back on XXXX, XXXX representative told me that I can pay more money in addition to my monthly payment in order to decrease the principal amount, the interest rate is 179 % insane but I agreed, anyway when I make a payment with extra money it never goes to the principal, and when it goes to the principal they take between 10 to 15 days even a month to be reflected in the principal amount, so when is time to make the monthly payment they charge me 179 % over the principal they had to has decreased already because I make an extra payment the last cycle, but I does not, they apply 179 % to the old principal amount, and once I make the payment days after the extra money appears and the principle never goes down. 
I pay XXXX usd every month in addition of that I always pay XXXX or more, supposedly the XXXXusd are interest for XXXX usd with 179 %, logical if I pay XXXX additional the principal should goes down XXXX or even a little be more, but with XXXX never happen you call them and they make up arguments, fees and a bunch of things that you never agreed with.
I was under the assumption that my student loans were paid off. I have contacted the US dept of education ( which have been very helpful ). Because they service my loan now. Which should be at a XXXX balance. The problem I am having is United States Aide funds will not send me a transaction history now. I am disputing my balance that they sent the US dept of education that I supposedly still owe. I have recorded phone calls of representatives hanging up on me and supervisors avoiding my calls. I have two voicemails currently waiting to be answered. On a second note I tried to rehibilatate my loan early in the loans life. I made the required payments and faxed them the contract they sent me only to be told I had to go through the rehibilitation program again. I told them I would not be dealing with them and they can take it out of my taxes. Keep in mind this was as far back as XX/XX/2008. Now I am running into the same runaround as back then. They refuse to give me any information on getting a transaction history from them. 
They keep forwarding me to the Us dept of education since they are now my ( should be paid off ) loans servicer. USAfunds is a joke with customer service and am also sure they are/or have violated many federal collection laws during the terms of my loans with them. My loans should be paid off and I can't get them to send me any info concerning my account. Please help me!!! 
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I received my credit card billing statement dated XXXX/XXXX/XXXX on XXXX. I noticed I had been charged {$5.00} in interest on XXXX/XXXX/XXXX. This did not make sense since my billing statement dated XXXX/XXXX/XXXX had a balance of {$1600.00} that is not subject to any interest until XX/XX/XXXXdue to a promotional balance transfer that USAA was offering when I opened this card in early XX/XX/XXXX ; there were no recent purchases or charges on the XXXX statement that would be subject to an interest charge. <P/>I called USAA on XX/XX/XXXX and was able to explain the error based on my view of this issue and was able to get the USAA Customer Representative to finally see the issue and ultimately agreed with me. She put me on hold several times in order to work with a back office associate on resolving this, as we both thought the interest charge was in error and should be done until the current billing period ends. I was disconnected after talking and being on hold for about 25 minutes. An hour later I called USAA back and explained that I was hoping to get reconnected with the original representative that was helping me because she appeared to understand the concern and did appear to be working on my issue with other internal associates. <P/>For the next 30 minutes I was forwarded to several other customer service reps and was never able to speak with the original person that was assisting me. To make matters worse, there were no notes in my file so that the people I was speaking with understood the issue that I believe was already being worked. I asked if this issue was going to get resolved and communicated back to me. I was told I would receive a call back from a manager. As of XX/XX/XXXX I have not received any communication back from USAA in regards to my reported issue for the interest charged ( in error I believe ).
TRANSUNION IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.
I have an overwhelming student debt - between Federal and Private Loans I 'm up to about XXXX. I have been working for weeks to get someone to help consolidate, but because the amount is so high and because I do n't make all that much no one will help me to get my monthly payment lowered to a manageable amount. Navient is useless because they just keep asking me how I expect to pay them - I do n't know, I ca n't afford over XXXX/month. I 'm just trying to start paying these back, I took the loans and I accept my debt I just ca n't afford such high payments but no one seems to want to help me pay off my debt ....
I have been harassed for over 10 years by a company called " XXXX XXXX XXXX '' Student loan. They have stated that I owe them around 7,000 dollars for a default loan that I never agreed to nor received. I have tried to explain to this company over the years that I never received this money and it is a mistake. I requested proof of the original document and they delivered me nothing. This company have continued to deny me any information and have sold the default loan to debt collectors now. These collectors continue to contact me at my place of work, even though I have verbally requested them not to do so. The school I attended during the time the loan was supposedly given to me has no record of this money. Nor do any of my bank accounts. My parents also have no records of this company nor of this money. I don't know what I can do as I do not have the money to pay a lawyer to look into this.
Requesting Immediate Review by the Consumer Financial Protection Bureau ( CFPB ) : -Notification received via email on  XXXX /2017 at   XXXX   XXXX  . from  XXXX  of a change to   XXXX    Credit report after careful monitoring weekly for over 12 months.
-Upon research, a collection was posted by : MIDWST RCVRY ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   , MO  XXXX  for {$3300.00}.
-To date, the CFPB has received 127 complaints about MIDWST RCVRY in 2017 --   XXXX   XXXX   XXXX   of 2017 already and   XXXX   XXXX   XXXX   2017-all similar to mine where collections appear with no notification to consumer prior to submission to Credit Bureau . In many cases, it is also where the consumer has no knowledge of debt or is associated with a payday loan company.
-CFPB database contains nearly 400 complaints about MIDWST RCVRY.
-Upon further investigation, this was provided to   XXXX   and   XXXX    only. Disputes have been filed with all  XXXX  major credit bureaus.
-Type/Rate of item on credit report are unusual code " OPN 09 '' and seen less frequently by the credit bureaus.
-This is damaging information to consumer credit reports and must be stopped.
I have notified credit systems international, a debt collector of XXXX XXXX XXXX, as well as XXXX XXXX XXXX directly, regarding an account they opened for an individual ( s ) that fraudulently obtained and used my personal information that I do not know and have never known. I have filed a police report and sent the fraud packet they requested to them via mail and never heard back. I have disputed the debt repeatedly on my credit report and they continue to report negatively on my credit and call and harass me for the debt that I never authorized, and they did not validate properly. I am at my witts end with this company. I had perfect credit before this identity fraud and am now unable to purchase a home with my husband for a fair rate that I deserve because they refuse to do the right thing and remove the reporting from my credit. On top of that, I have been denied credit with many financial institutions due to the impact of this collection, which I should not be held responsible for. I believe the company should be made whole for this debt, but they should purse the individuals at the addresses they offered services to in another city, and not me. I will never do business with them in the future due to the way they have treated me throughout this process, an innocent XXXX party of this debt.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Ability Recovery is a debt collection agency reporting illegally to the bureaus under their own name which is illegal on a MA Consumer credit report. MA state law says that an account may only be reported by the original creditor ( law below for your records ). They have been informed of their illegal activity via certified mail three times. They have failed to reply to take action for removal. 
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written  authorization from the creditor, report to a consumer reporting agency in the creditors name.
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX XXXX if you would like to verify the identity theft with the bank.
ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny.
Around XXXX of 2016 I applied for a loan and was denied because they stated that I was behind on my auto loan with 5th 3rd bank. I stated that I was not, so I called them up and they stated that this was because they put insurance on my vehicle. I informed them that I have always had insurance. As I am an insurance agent. So she stated that she would get it all corrected and have a letter sent to the credit bureau fixing the situation. Then the next month I get a letter stating that I was delinquent in my account. So I again call up and finally speak with XXXX XXXX who says no it has n't been corrected to please email copies of my insurance XXXX pages. I do ask instructed, after a couple hiccups I get an voice mail message from XXXX XXXX stating that everything is correct and that I actually do not owe anything until XXXX XXXX. I call back and verify this with him again. Then I wake up on the morning of XXXX XXXX, 2016 to find that my car is missing. I call the police where I am informed that it has been repossed. I have to wait until XXXX to get anything started. I call the bank and they tell me that I owe back money and I am not even allowed to talk. I keep getting over talked and told over and over that they are going to hang up the phone on me. I finally get to say what is going on they state they will have to do research but do not make any indication that they are going to make this a high priority since it was their error. I ask for a manager to call me back. I was told one would in 15 to 20 minutes later. We are over 24 hours and still no return phone call. After another round of phone calls at almost XXXX. I am told that they have figured out that this was in deed a " bank error '' but that they can not guarantee that I will get my car back today. When I stated that this was not an acceptable answer as my husband and I are both out a days pay due to this we could not have this go into another day. I was speaking with XXXX employee number XXXX who kept stating that he was doing me a service in helping me get my car back from it being wrongfully repossessed. Again he talked over, and down was very insulting during this phone call and hung up on me. I called back and asked to speak with the supervisor where I was told that they were the highest level of authority that I could speak to. I finally was able to talk with a supervisor XXXX XXXX, who was the first XXXX in all the day who treated me with any kind of decency. He told me who he was first and last name, his direct contact plus department line and made sure that I knew every step he was doing to get my car back as it should of been. I have never been made to feel so violated in all my life as I was by this experience. The bank had all the power over something that I had worked so hard for and have been making payments on for years ( I only have about 8 months of payments left ) and then to top it all off to be made to feel like no would listen to you nor be even a little empathic towards what it is you are going through or to even put on a front as to that they want to right a very big mistake.
Equafax data breach! Was informed was not affected then checked again and was told my data may be part of the hack! Called and was told to fill out form for free one year insurance to help with the hacking! Then would be charged after that for the coverage! First off- I never gave anyone the ok to share/ sell my information! They were hacked and now all my personal info may be out there for anyone to use to get a mortgage, credit cards, drank loan and drivers listens and voter registration! All media and what I have read about the hack states that my information may not be use for years! Is it a scam to get people to buy this protection package after one year??? Why should we/I pay for protection when an unauthorized business that makes money off of others personal information gets hacked! Especially when the info may be stored by the hackers and used at a much later date! Where do I go and who can help? The is the big question!
XX/XX/XXXX we completed a Deed in Lieu on a rental property. We had submitted all the required documents and was paid cash for key. We received a document dated XX/XX/XXXX Deficiency Waiver Agreement. When Green Tree transferred to Ditech we started receiving calls that we were late. I was informed that 3 months after we completed the paper work they went to record the deed and the property had been sold in a tax sale. As of XX/XX/XXXX we started receiving notices from XXXX XXXX XXXX XXXX XXXX about foreclosure. I have made every attempt to resolve this with both the Attorney and Mortgage Company with no resolve