WillisBack/dataset-financial-user-claim huggingface dataset:
Somewhere XXXX & XX/XX/2018 I called XXXX XXXX to Place a complaint due to they report me delinquent on my credit report when I was never late my payments were made thru a 3rd party company from the dealership I made all payments and I have proof I disputed on credit report look like it was ok. I was denied a promotion due my credit was low due to fraudulent being reported and my credit card companies were now lower credit limits as I was be seen as risk when I pay my bills on time now this has cause undo stress financial loss of income as well as my credit taking a big hit. I consult with attorney whom told to try and handle it before doing intent to sue now it's doing the same thing again as its providing from getting new apartment and the embarrassment that comes along with this illegal reporting wrongful information.
I paid off my loans with checks that were provided to me through my title company when I refinanced my home. The checks were sent to the address listed on their website for borrowers, XXXX XXXX XXXXXXXX, XXXX, PA XXXX on XX/XX/XXXX, via the USPS. The checks were received and cashed by XX/XX/2018 yet had not been credited to my accounts as of XX/XX/2018. I contacted Navient and asked what was needed to prove payoffs were made. The customer rep stated I would need to provide copy of cancelled checks. I then contacted my title company and they in turn sent me copies of all 6 checks, front and back showing the checks had indeed been cashed. I uploaded the images to Navients website the same day I received them which was XX/XX/2018. I waited 2 days and when I did not see them uploaded. I contacted customer service and was told I had sent them to an incorrect address. I was also told that any overages would be returned ( and I quote ) to XXXX XXXX XXXXXXXX. at that point, I was so frustrated, that I asked to speak with a supervisor. I was told that a supervisor would tell me the same thing. I had to ask 4 times to speak with a supervisor before finally being put on hold. At which point I thought a supervisor would pick up the line. NO, the same rep kept returning and giving excuses as to why the supervisor was not picking up. After about 20 minutes on hold, I finally hung up and called back. I got a very pleasant rep that explained what the policy was and it could take up to 10 business days to complete the process. My main complaint is I am concerned that the policies and tactics this company uses, will in turn cost me more money and my loans will not be paid in full when they have had my money since XX/XX/2018.
The bank charged me a {$35.00} fee which was unfounded and a huge disservice as a single mother who literally counts pennies to feed my child. I will not have anymore income for two weeks and that {$35.00} dollars was literally the budget to feed my daughter! Child Support issued my benefits on XXXX/XXXX/16 ( documentation attached ). I wrote a check in the afternoon on XXXX postdating it for XXXX/XXXX/16 which is when the {$130.00} showed up in my bank ( which was initiated on XXXX ). Yet, somehow when I woke up on XXXX/XXXX/16 the check had already been cashed ( again it was post dated XXXX/XXXX/16 ) and I had a {$35.00} fee. I do not have any money to throw around and I am disgusted in the Bank of the West for fraudulently sneaking in fees like this. I would normally let it slide, but I do not even have {$35.00} left in my bank to feed my child for the next two weeks thanks to this unexpected fee which I did my best effort to avoid by not letting my account go negative, but still got XXXX over by Bank of the West!
Over 10 years ago, I inquired about the loan forgiveness program for XXXX and or those working in XXXX XXXX, and I was told that I had to make " consecutive payments '' for 10-years, and to call back after all payments were completed - this information was given to me by customer services ( I am not sure which lender I had at the time ).
Well, over 10-years have gone by, and I called back to inquire about the program, and I was told I did not qualify because I had never completed the " proper paperwork '' to qualify. I stated that I was not told that at the time, and that all I should be concerned is " making consecutive payments for 10-years ''. I was told by Navients customer services representative, there was nothing they could do. All they can do is start me on the program and start the program from the beginning - and not taking into consideration my previous payments. I was shocked and sadden to learn I did not qualify for the forgiveness program due to being misinformed - is there anything that can be done? I have thought about getting an attorney, but same that seems useless. Thank you, XXXX XXXX
Legal action was taken against me by Wakefield & Associates, INC on XX/XX/XXXX and papers were served on XX/XX/XXXX. They 're suing me for a debt dating back to XX/XX/XXXX in the amount of {$720.00} on behalf of XXXX. I disputed this account with all 3 major credit reporting bureaus on or around XX/XX/XXXX. All three bureaus deleted the item from my credit reports after their respective investigations. I filed the disputes after noticing that the amount was incorrect and that they seemed to be charging interest on an old debt. I am now looking into legal aid for what steps to take against them as they seem to buy old debts that are at, near, or past the Statue of Limitations for collections and then file lawsuits to try and collect.
Macy 's has charge me 8 month interest on a closed account that i request to be closed on XXXX XXXX 2011 because high interest rate it does n't state after you closed an account that Macy 's is still able to charger you interest it only state that Macy 's can collect the remain balance which i owe. The agreement that i sign was terminated upon my request if it is closed you are only to collect the the remain balance Macy 's agreement was terminated so were the late fee Macy 's has not sent me any type of information that state after account is closed Macy 's is able to charger you late fee. so i decide to file a complaint against Macy 's so please investigate this case Thank you Sincerely XXXX XXXX XXXX
XXXX Mortgage incorrectly reported my loan being late 30 days, after contacting XXXX Mortgage they provided me a letter to aid me in correcting the report quickly. XXXX XXXX and XXXX corrected the error and Experian is still not correcting it. I have called Experian 3 times and when requesting to speak to a manager have been told that no one is available, and even been argued with and refused to allow me to speak to a manager. 

It has been over 30 days since I submitted the complaint and still nothing has been done.
When renewing my balloon home equity loan with Bank of America I was told I did not qualify and would have to apply for a modification. After 18 months my approval came through with Bank of America writing that I now had an affordable home equity line of credit payment. That is true for the first XXXX payments - not so much for the next XXXX payments that span 38 years. Then the rate goes to a close to market rate of 4.125 % with me paying more in finance charges than the amount of the loan more than doubling the amount owed. Bank of America gave me no indication that this was the only " modification " available until I received the paperwork. I had tried other avenues to write a loan but could not due to the stricter lending standards and the fact that my credit score took a bad hit when they reported me past due while the negotiations lingered on. 
This is a usury loan that only benefits the Bank of America. Even though I have made all trial payments timely and the new loan is in effect the old loan still shows on my credit report as past due. Due to the stricter underwriting rules placed on the big banks who caused the housing collapse ( i.e. Bank of America ) and in turn the recession I could not get a loan renewal. My only option, other than foreclosure, is to agree to a loan modification that cost me {$60000.00} finance charges on a {$59000.00} loan.
All three  Credit  agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act.      XXXX  willfully disregarded the letter on 3 more occasions responding with generic letters attached herein.     In the process,  XXXX  sent 4 different credit reports on 4 occasions. It came to my attention that  XXXX  is willfully granting access to and business entity for no " permissible purpose ''.     The report  XXXX  sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''. I called   XXXX    and asked about this - they told me " Entities who have Certified to  XXXX  they have a " Permissible purpose '' can have my credit no need for anything in writing or for  XXXX  to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to  XXXX , no reason at all - this is " Permissible Purpose '' for  XXXX  to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report  XXXX  mail to me,  XXXX  gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time   XXXX    has breached the act.
I disputed two items on my credit report via XXXX. The items listed by this company were removed. They have been unable to substantiate the negative item on my credit report. It was removed. Then, my report shows that it was re-reported on XX/XX/2017 AFTER they had already deleted it. NOTE : They do not have my permission to send anything to me via mail nor do they have permission to report my mailing-only address to any consumer reporting agency.
I notice that Experian credit bureau is reporting inaccurate personal and public information on my credit report. I have sent several notices requesting them ( Experian ) to validate this inaccurate information, where it came from, who's their point of contact, and what document proof they have to support this inaccurate information that they're reporting on my credit report. Experian has not been able to or just flat out refuses to send me any supporting documents that validates this inaccurate information that they're falsely reporting that is a valuation to my rights. I have sent supporting document to Experian from the reporting agencies that Experian claimed verified this inaccurate public information stating they did not and do not verify and personal or public information nor do they report any information to the credit bureaus.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory and free for every account, not an option for us to have deal with with an arbitration clause thrown in. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I was scammed off of XXXX from a seller for sporting even tickets in the amount of {$220.00}. The person selling the tickets was wanting to use XXXX. I use XXXX transfers through my Wells Fargo account pretty regularly and this is the first time I have ever been scammed. I then did more research and found that Wells Fargo nor XXXX would be willing to reimburse and track the funds and return them. The seller claimed to only want to use there chase pay or XXXX account attached. I had no idea this could happen.
On XX/XX/2018 approx XXXX EST I received a call from someone who identified themselves as working for XXXX XXXX XXXX XXXX This person asked if I was my name and I replied in the affirmative. The agent never verified my identity though DOB or last 4 of my Social Security number then proceeded to disclose a debt to me, including the full amount owed and to whom. I believe this violated the FDCPA as only my name was asked and my ID was never verified.
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Charge off for  XXXX   XXXX  accounts are saying charged off in  XXXX   XXXX , that is not accurate, they were charged off in  XXXX
I am currently in a Income Based Repayment Program. I decided to re-enroll in school, so I signed in to check out my account and I discovered that I was charged a total of {$8.00}, XXXX in capitalized interest. So I contacted Navient and inquired about the fees, I was informed that during my re-certification for the 2015 term, my application was turned in late. I informed the customer service representative that I never received a notification stating my application was late and I was never informed by Navient that I would be charged {$8600.00} in capitalized interest. So, I asked the customer service representative to show me the documentation stating that Navient reached out to me about my re-certification being late. I was informed that she was not able to go that far back in the records and I should log onto my student loan account. I was not able to access the information and I informed the customer service representative and she told me that I was informed and I should be aware of the fees when I applied for financial aid. I explained to her that I was not aware and I did not receive notification from Navient. I am not pleased with this situation because I was not aware and if I did not log into my account, I would have never known I was charged those outrageous interest fee. Navient has not did a great job of keeping me informed about my account or my loan and I am very disappointed.
I have never lived at this address : XXXX XXXX, IL XXXX Kindly remove it from my credit report
I noticed a collection on my credit report by Diversified Consultants from XXXX, FL. I had never received any information from them regarding alleged account, so I sent them a letter on XXXX XXXX, 2016 asking for verification and giving them my current contact information. I never received a response. I then disputed with the Credit Bureaus asking that they help verify the information or delete the account. The information came back verified, but as a paid collection with zero balance. It was then changed back to having the original balance and a status of " derogatory ''. I still to date have never recieved any communication from this company, nor have I ever paid or had a business relationship with them. The credit report states that the account was from a previous XXXX bill and I have verified with XXXX directly that I have no outstanding balances with them.
See attached letter from the XXXX XXXX XXXX XXXX, XXXX dated XXXX/XXXX/XXXX requesting {$1100.00} on behalf of XXXX XXXX. XXXX XXXX is not and has never been my Cable/Internet or Phone/Communication provider and I have always resided in XXXX, MA.
I 'm writing to get a response from Bank of America regarding my FHA loan. I 've spent allot of time trying to get my situation resolved and to get BOA to close out my FHA loan. The property has since been foreclosed, resold, and currently under contract again to be sold. It is completely out of my name through county records but Bank of America is n't reporting it to FHA and further making it hard for me to move forward. I have been trying for well over a year calling FHA frequently to see if BOA has done their part and it continues to sit without being resolved. I have previously spoke to XXXX, my case manager, and left him a recent message hoping to get a clear answer but I 'm awaiting a response. I would greatly appreciate this to completely be finalized and closed so my family and I can move forward. Thank you.
I have a mortgage with Nations Direct. I lost my main job and it caused my income to drop. I immediately contacted Nations Direct to talk about lost mitigation or maybe a loan modification. I was denied any help. They just kept giving me the run around. They had me to send the same papers over and over again stating they never received them when I got confirmation each time that they did go through.
This Creditor is acting like they want me to lose my home and not offering me any type of loss mitigation
I have sent certified letters to all creditors to which I have a dispute. My understanding of the FCRA is that the creditor is to note my account to a credit reporting agency as disputed within 31 days of receipt of notice. I checked my credit report with all XXXX credit reporting agencies, and my creditors that were notified did not note my accounts as disputed within their alloted 31 day timeframe. I sent the credit reporting agencies a certified package containing the page of the credit report showing that dispute is not noted, and a copy of the certified reciept and green card to prove that 31 days have passed without the creditor noting the account as disputed. XXXX has fixed my report. Experian and XXXX refuse to remove the disputed accounts even though the creditors are in violation of the FCRA 31 day notice. XXXX took it upon themselves to mark the disputed accounts as disputed, something I DID NOT ASK THEM TO DO. I specifically sent them a letter requesting they remove the account due to the inaction of the creditor. I am requesting the CFPB to enforce the FCRA with XXXX and Experian and have them remove items that I disputed with creditors that are not marked disputed BY THE CREDITOR. I also have a bankruptcy on all XXXX reports that I have disputed, and I have not been given information as to where the investigation data came from to support keeping them on my report. They also do not state disputed by consumer. A current lawsuit with XXXX concerns the requirement that the source of public records are revealed to the consumer ; where did the credit reporting agency get their data? Just listing public records is insufficient. I have been working on clearing my credit report ever since a fraud alert was placed on my account in 2009. It has appeared and disappeared many times without my taking any action to remove it. XXXX has stated they will put a fraud alert on all XXXX reporting agencies for me, but I need to have the disputed data removed. I also want XXXX to remove the dispute that was put on by their agency. I did not request and do not want them to post the dispute. I want the creditor to post the dispute. My attention is with the creditor, not the credit reporting agency who is not working on my behalf but on the behalf of creditors who pay to use their services. XXXX has some sketchy procedures including not removing items proven disputed and not noted, as well as disputing items that were not requested by a consumer. They state that any communication from a consumer equals a dispute to them. I am adamantly opposed to XXXX for verification, and believe this system is unfair to the consumer. I hope that the CFPB can remove the items from my Experian and XXXX reports as requested since I have made a good faith effort via certified mail repeatedly to creditors to discuss these accounts. I am requesting that the CFPB provide the legal service of removing the disputed items as required by the FCRA since Experian and XXXX refuse to do so on their own.
Original Creditor XXXX XXXX - So they claim. 
Paid XXXX XXXX in XXXX 2009, before moving to XXXX, so how could I possibly owe them {$320.00}? 
Told XXXX XXXX to discontinue service, paid bill, and never heard anything more from them, even though left forwarding address with Post Office. If there were any additional costs incurred, certainly nowhere near {$320.00}. 
Never received anything from MEDCAH at all. 
Now they claim they want almost {$600.00}, including interest. This is nothing more than blackmail and extortion. 
These people probably bought this old utility bill from someone for pennies on the dollar, and now think they can ruin my credit, and demand {$600.00} for it. How can they be allowed to get away with this? This is a complete travesty of justice.
On XX/XX/XXXX I visited the New Jersey Lottery District Office at XXXX XXXX XXXX XXXX XXXX.I met with Deputy Director of Security, Audit and Licensing XXXX XXXX to discuss a review of case # XXXX aXX/XX/XXXX registered claim. XXXX XXXX informed me that after the New Jersey Lottery makes a payment any concerns involving law enforcement of crimes targeting a lottery winner are not theirs and to obtain an attorney. My XXXX XXXX  dollar cash payment was deposited in a Capital One 360 Checking account before being transferred to XXXX XXXX XXXX  because of account balance errors with pending or posted transactions. The XXXX XXXX XXXX account it was transferred to has a XXXX records request case number XXXX and Consumer Financial Protection Bureau request case number:XXXX. The Office of the Comptroller of Currency complaint case number:XXXX response suggested if I wish to pursue the issue to retain an attorney. However on XX/XX/XXXX a representation request to XXXX and XXXX my family attorney was declined. So I am undertaking account record recovery.