WillisBack/dataset-financial-user-claim huggingface dataset:
Navient misused my information and unauthorized a double payment last XXXX on my auto pay plan. They tried to hide it by not having a scheduled payment in XXXX. I still received a notice for a reminder about a payment coming out in XXXX. I contacted them and received the money back for the unauthorized amount. I was told that if I send my bank statement to them that shows the overdraft fees that I received on my bank they would refund me the money. I still have yet to see that money. I then called them in XXXX to make sure there was n't a payment coming out. They had to remove it. I told them that I wanted the last XXXX scheduled payments on my yearly income based plan to be canceled. I also asked to have my banking information removed from my account. When I talked to them about the income-based repayment plan they tried telling me the only way to do it is to have automatic payments set up ; which is complete XXXX. My bank information is none of their business. In the last three weeks, my mother has received multiple phone calls on her cell phone and home phone. I have received XXXX phone calls and have also received multiple emails. This is a form of harassment and I am sick of this company. I will not pay them any money until they give back the money I am owed and placed on a payment plan that I feel comfortable with. The amount is XXXX thing but the way I pay the amount is a completely different thing. I understand the company is being sought by the Federal Government and feel I have been mistreated by this company. They have taken advantage of me and have illegally broken contracts! I took the money out from XXXX XXXX Bank at a certain interest rate. Navient then bought the loans and doubled, nearly tripled the interest rate. I never signed a contract with Navient and still have the original documents of the contracts I filed with the bank. My name and signature are on those. This is a definite unlawful act by Navient and justice must be made to them. They are profiting off of people like me. I was making payments and now I do not feel comfortable working with this company. I would much rather have my loans bought out and removed from this company than have to deal with them again. I am tired of the harassing emails and phone calls and going after my family needs to stop.
Equifax refuses to remove an invalid judgment on my file. I have gone to the courthouse, and they have no docket on file under my name, and they said they would not have been able to verify a judgement with a credit reporting agency, as their is NO DOCKET on file, or recorded judgement for my name. The judgement is not on any other agency report, only Equifax. I have disputed this twice with Equifax. I have asked them their method of verification. They refuse to remove it, and have offered no method of verification. This needs to be removed from my credit report.
Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error.
On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. 
My request was sent via XXXX Certified Mail, Receipt # XXXX and was delivered on Sat, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Identification Card, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card for identity and address verification. 
I have received no response from TransUnion regarding my written request to be provided with a free, complete copy of my credit report. 
I have not received my credit report as requested from TransUnion. 
I am a Victim of Identity Theft and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
On or about XXXX/XXXX/2016 XXXX XXXX XXXX incorrectly reported me to Early Warning Systems that XXXX closed my checking account for cause. This is wrong. I closed the account due to lost checks. XXXX did not suffer any monetary losses. I demand that this be removed from my Early Warning report. Thank you.
The XXXX XXXX was started XX/XX/XXXX for {$10000.00}. It has been sold at least twice. I and my co-signer have paid in {$9200.00}. I went into bankruptcy from XX/XX/XXXX to XX/XX/XXXX. 
The loan is now with Navient.. This is a private loan. Navient has accrued the interest during bankruptcy and applied {$640.00} from the bankruptcy administrator toward interest while the court shows principal payments. 
This XX/XX/XXXX ( XX/XX/XXXX ) Navient advised me to take a forbearance and capitalized interest and fees and I paid them {$50.00} to do this. The terms were to start payments XX/XX/XXXX. This agreement was taped., now they say that I missed XX/XX/XXXX and they say I owe an XX/XX/XXXX payment plus a late fee. 
This loan has been handled this way throughout, selling the loan, advising forbearance and capitalizing interest. 
To sum up, after 13 years, paying in {$9200.00}, and a bankruptcy the PRINCIPAL IS {$10000.00} OR {$440.00} LESS THAN THE ORIGINAL PROCEEDS.
Capital One Auto Financing is currently reporting a balance of {$11000.00} on a car that was repossessed years ago. The account was charged off. Therefore, the balance should be {$0.00} not {$11000.00}. 

The incorrect balance is negatively affecting my credit score as it shows a false balance of {$11000.00} in addition to the charge off and repossession.
I had a lease that was supposed to end in XX/XX/XXXX. I took the car back to the dealership on XX/XX/XXXX, returned the car and entered a new lease with the same company. Was advised older car was paid off, and no future payments would be withdrawn. I received an email stating that a payment will be withdrawn on that account on XX/XX/XXXX. Not sure how they can do this when the account balance is XXXX. They say it is because I am still in autopay. How can I be in autopay when the balance is XXXX?
called this company for several months they said they sent me a card swiped they didn't ask them to prove they sent it they didn't please take this off my credit report so I can go on with my life Please
Discover student loans has failed to remove late charges on my account that were charged in error. These late charges accumulate to {$60.00} dollars which was reported to all credit agencies and negatively effected my  credit score. Discover has since removed the late fees that was reported to the credit bureaus ( only after multiple requests ), but has failed to remove the charges on my actual account. This has increased by first student loan payment by {$60.00}, which is a fraudulent charge. I called Discover  on  XXXX  and spoke with a representative who assured me that these charges were in error and that I would receive follow-up and guidance on how these charges would be removed and the expected date of resolution is  XXXX . I never received any follow-up from  Discover  and the charge of {$60.00} still appears on my account.     The kicker is that  Discover  does not even charge late payments anymore yet they failed to remove this late payment from my account ( which was erroneously added to my account in the first place ).
I just learned that this is ILLEGAL in Pennsylvania. My interest rate is phenomenal and paying it off is killing me. Is there any recourse as it is ILLEGAL to recuperate the monies I have paid in to them over the past year+?
I paid the XX/XX/2019 credit card installment of {$100.00} but Citi has not credited it to my account and has harassed me with some 6 telephone calls in 1 week! Citi maintains no office for payment!
To whom it may concern, My name is XXXX XXXX I contacted Transunion, XXXX, and XXXX about a tax lien that paid off and after I paid it the Dept. Of Revenue still filed as a tax lien under Public Records to all XXXX credit bureaus. I disputed the Public Record as inaccurate to all XXXX credit reporting agencies. Documents verifying that my balance was deducted from my taxes in XXXX was provided with a written statement, and a a paid in full letter. The tax lien then was reported as paid. My issue is my balance was paid before the lien was even filed. I sent all credit reporting agencies my documents supporting my claim. Experian deleted the Public Record after reviewing my evidence of the error. Transunion, and XXXX still reflect the tax lien as a judgement. Today I called Transunion Tuesday XXXX/XXXX/XXXX @ XXXX and spoke with XXXX XXXX who stated she was a supervisor. I explained the situation to her. I informed to XXXX I 've been disputing this judgement for a year. She stated she does n't show any info where the balance was paid in XXXX. I asked how Transunion verified the judgement as being accurate she responded we verified it. I asked if it was verified what documents were you provided. I told her based on FCRA regulations I also have to receive evidence, especially if this public record is hindering my credit worthiness. XXXX stated she does n't have to verify anything and she was a supervisor. I asked because she seen the paperwork I sent verifying the balance was paid, did she see the other documents I sent with it. I informed XXXX I sent a letter hand written explaining my issue and a letter from Dept. Of Treasury stating the balance was deducted from my income tax refund in XXXX. XXXX said the information was in my file. I asked if she could read my written statement to verify it was received and she refused to answer my question without giving me a explanation of why. She was rude, and condescending. I was very upset and asked for her manager she hesitated to give me a name and said she had several managers. I said since you have so many please give me just one of their names she reluctantly gave me the name XXXX XXXX. I was very confused as a consumer I have the right to ask a credit bureau what is in my file to confirm it was received. I taken photo copies of the documents I mailed to Transunion. I hope this issue wo n't be the same with XXXX. Thank you for your time I 'm hoping I can get some results.
I purchased a house that closed on X/X/17. My title company mailed a payoff check to Chase Auto Finance on X/XX/17 for my XXXX XXXX XXXX. I continued to get calls from Chase regarding a late payment. I called Chase on X/XX/17 twice and spoke with customer service who informed me that no check had been received or posted. I then called my title company who put a stop payment on the check, issued another one, and sent it overnight with a signature required that was signed for by Chase on X/XX/17. On X/XX/17, after my calls to customer service, Chase posted the first check which had the stop payment on it. The check was returned as invalid and Chase reported to my credit that my account was 30 days late. As well, the refund they issued me was also stopped and I was charged a fee by my bank. On X/X/17, I called Chase and spoke with supervisor XXXX who told me the check had been received on X/XX/17 and he was not sure why on X/XX/17 I was told it was not received. I then called my title company and initiated a three way call with myself, the title employee, and XXXX to find out the status of the check issued, and signed for, on X/XX/17. XXXX could not see that any check had been received on X/XX/17 despite it being signed for by an employee of Chase. He explained that there was no way to call the mailroom to find out and no way to check the status of the check. He explained that it took 24-48 hours to reflect once a check had been received. As it was now X/X/17 and the second check appeared to be lost, the title company employee confirmed with XXXX that she could go into a Chase local branch and pay the loan so she put a stop payment on the second check on XXXX and went into the branch on X/X/17, paid the loan off and received a receipt. Today, X/XX/17, I spoke with XXXX  who told me he " had bad news '' and that on the same day, X/X/17, the payment was being made in person by the title company employee, the second check had posted to the account. He told me that this made the payment made in person on the same day " invalid '' and that since a stop payment had been issued on the second check, we would need to wait until it bounced back to start all over again. This also meant that the second refund they had sent to me, which was {$30.00} less than the first one, would also be stopped again. I asked him if he could assure me I would not have a 60 day late reported to my credit and he said he was unable to have any control of that. When I asked if I was able to speak to someone higher than his position, he told me the only other way to speak to someone was to " maybe call the executive offices ''. I am at wits end and my credit and emotional stability have suffered.
Hi I need to lodge a complaint against Barclays credit card. I paid my deferred remaining balance of {$75.00} on XXXX XXXX but on the XXXX XXXX statement, they charged me for deferred interest charges in the amount of {$220.00}. They said they reserve the right how to apply payments. I paid {$100.00} that covered the deferred remaining balance of {$75.00} on XXXX XXXX which was the due date. I can not afford to incur additional interest of {$220.00} as I paid everything related to that balance by the promotional time period. I think it is just unfair on my part that the bank is taking advantage of it and asking me to pay additional {$220.00} and that is why I am reaching out to you. The minimum payment due was {$39.00}. Thank you.
Experian credit reporting agency repeatedly adds my son XXXX XXXX to my credit reports every time they do an inquiry on myself XXXX XXXX. My social security number is XXXX. My son XXXX XXXX 's social security number is XXXX. We have different addresses ; My address is XXXX XXXX XXXX XXXX. XXXX XXXX NY. My son 's address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. With different ssn 's and addresses, I do not know way Experian can not get things right. On my last personal credit report # XXXX sent to me by Experian on XXXX XXXX, 2016 which included XXXX pages, Experian listed 19 ( nineteen ) incorrect credit information listings, on that report, that DO NOT apply to me, at all, but they do apply to my son XXXX XXXX. Pages XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all have 1 ( one ) incorrect credit information listing that DO NOT apply to me, at all!!! Pages XXXX ; XXXX ; XXXX ; and XXXX all have 2 ( two ) incorrect listings that DO NOT apply to me, at all!! And page XXXX has 4 ( four ) address identification numbers that DO NOT and never have applied to me XXXX XXXX XXXX. There are an additional 6 ( six ) addresses listed that DO NOT and never have applied to me XXXX XXXX XXXX, which makes XXXX definate mistakes made on my credit report by Experian. I would like to make a fervent request that You see to it that Experian Credit Reporting corrects ( deletes ) all the misinformation that they repeated list on my credit report, so that a fair and honest report goes out to all creditors on my behalf. XXXX Bless You and Thank You for looking into this serious matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX or XXXX
XXXX XXXX XXXX, amount for {$2600.00}. I have sent XXXX XXXX XXXX, XXXX a debt validation on XX/XX/XXXX and XXXX XXXX XXXX, XXXX did not respond to my demand. I then received a court letter from Lustig Glaser and Wilson, P.C. stating I was being sued. I have no knowledge of this debt.
This company as not validate this debt and has a negative mark on. My credit report Ive asked them to respond with the signed agreement for the account and they have failed to do so, now the account is not mines and they need to remove ASAP
I signed the closing disclosure on XX/XX/XXXX for a refinance home loan with Loandepot.com. 
Today, XX/XX/XXXX I checked my loan depot account online and noticed they have multiple closing disclosures that show a different : monthly payment, closing cost, homeowners insurance amount, and different cash amount given to me. 
I spoke with XXXX XXXX, the Sr. account manager, and she mentioned the reason it changed because the insurance was not included in the loan estimate, and that there was a renewal of the home insurance which is more expensive. The home owner 's insurance it 's included in the closing disclosure I signed which rejects XXXX XXXX XXXX 's explanation of the increase. 

I left a message today to XXXX XXXX wanting to cancel because according to their legal documents, I can cancel on the closing disclosure ... One of my closing disclosures on myloandepot.com account is dated today XX/XX/XXXX. So I should be able to cancel it. XXXX XXXX responded on a voice mail that I can not cancel because the document I signed it 's a legal binding document. 
IF it is a legal binding document then IT IS ILLEGAL TO CHANGE EVERYTHING AFTER I SIGNED IT.
I have complained to Chase about XXXX XXXX XXXX tactics, XXXX XXXX XXXX called my mother about my loans even though her name is only one loan. I have advised XXXX XXXX XXXX that I am working with an attorney on my debt only, per the attorney I am not allowed to speak to them about anything. XXXX XXXX XXXX changed the due date from the XXXX to the XXXX which is causing me to go late every month, the XXXX the due date of my other loans. I am not sure it was ever changed. Chase told me that I will have to catch up the loan but I am working on all of my debt so I am unable to do this. I want of all the negative marks removed due to my due changed being changed. My credit s being affected by this and I have told Chase this numerous times. My account is now almost 30 days later again and I ca n't keep having marks on my credit due XXXX XXXX XXXX changing my due date. I am working with an attorney on my debt only, therefore I ca n't speak to XXXX XXXX XXXX on this.
The usda home loan reported in experian is showing as open when that account is closed, they also repirted the foreclosure started in XX/XX/XXXX when in reality is started in XX/XX/XXXX, these people are reporting a very high amount of balance including almost 50,000 in attorneys fees for which i shouldn't be responsible because i try to pay those prople for years but they rejected my payments just because they discriminated my soc sec household income for which they are under investigation, i meed you to investigate why these people is reporting wrin info iny ccredit, even though i can still buy a new home with a private lender and what they are doing is not taking that opportunity from me, i still want experian amd usda to report the truth in my report. Is not my fault that usda discriminate payments based on income type and have been sued before, but as you will see usda is the only debt in my report i have no problem paying anybody that dont discriminate XXXX income, usda is the only one violating my rights. I please ask you to investigate what they are reporting is a closed account as open and the trial was on XX/XX/XXXX, the forclosure started XX/XX/XXXX, they ate reporting it waz XX/XX/XXXX, Fortunately there are private investors that understand that banks and credit agencies do commit fraud and report wrong information just to hurt people ijust feel sorry, if you cant do nothing to help is good to know that by law it will be remove in two years anyways and regardless i can still buy a nrand new home, if usda dont want XXXX  incone payment others smart lenders will. I hope you can help these people should stop breaking the law just because they are full of hate too sad but is good to know that there are better lenders out there. hope you can help with this situation. Thank you.
My father passed away. I notified XXXX XXXX of his death on XX/XX/2018. They said wait 30 days for information and that his account would be frozen. The exact balance was unknown to us at the time but was likely {$200.00}, it is now a month later and the balance is {$420.00}. They charged the account a late fee and interest and refuse to remove it even though they admit it shouldnt of happened and that it should of been frozen back on XX/XX/XXXX. I was never provided a balance payment even though I gave them new contact info. This is a violation of the card act. 

As insult, a supervisor said something to the effect who cares if hes charged fees or interest, hes dead and you dont need to pay it off. I dont think he understood how disrespectful that is and that it offered no comfort as we have to close the estate. I dealt with employee XXXX They told me to write a letter to the company to disput policy, but gave me no specific contact info. 

They wont let me access or pay the account in the meantime as Im not an account holder. 
Please help, this is making me sick.
Diversified Consultants , Inc . 
XXXX XXXX XXXX, FL XXXXACCOUNT NUMBER : XXXXXX/XX/XXXX/XXXXXX/XX/XXXXToll Free : XXXX. 
Fax : XXXX. 
Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Diversified Consultants or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Diversified Consultants , Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/1982XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
In response to Bank of America - claim number XXXX Please note that the documentation alleging a signature card with XXXX XXXX being identified as a sole proprietor is false and erroneous as the correct signature card ( attached ) which was a recorded part of the Motion to dissolve clearly shows the account was designated as an " S '' Corporation '' and any errors or omissions in entering a correct employer ID # s or other errors were the fault of the employees of BOA and their failure to properly obtain the correct ID # for the Corp. and their failure to properly enter the account as a Corp. account when it was CLEARLY designated as such does not constitute any mitigation of their responsibility for the losses incurred by the Corp.
Ive tried contacting Transunion to remove an old utility bill XXXX from XX/XX/2010 that does not supposed to appear after 7 years & they refuse to remove it.