WillisBack/dataset-financial-user-claim huggingface dataset:
Navient has been increasing my payments and interest rate monthly, It is very hard for me to keep paying when the installments increase without notice and by huge amounts. I called and asked for the paperwork to file a complaint and claim as part of the lawsuit, but have n't received any information from you. The call center rep told me that I would have the paperwork within 3 weeks. It has been 2 months. Please let me know how I file a claim and complaint against Navient. It is a shame they are doing this and has to stop! I would like some of my money back!
This medical account should not be on my credit report This under 180 Days please Remove Off My Experian credit report due too hippa violation!!! 

This collection acct is 1 month old ....
The Bank of America # XXXX listed on my credit report is reporting inaccurately. 

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my XXXX  it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my XXXX report dated XX/XX/XXXX. I've also included a previous XXXX  report that does not show any recent lates.
re numerouse complaints against, XXXX /wachovia bank / wells fargo bank, fraudulent forclosure / predatory lending/ forced home owners insurance, lets start XX/XX/XXXX, wells fargo bank say i missed 3 consecative mortgage paymants, that is a bare faced lie, i have all the proof of paymants international wire transfers, recieved and cashed by wells fargo bank, i was over paying on my monthlly paymant incureing a over paymant in excess of a {$1000.00} credit also my escrow acount was in credit of over {$5000.00} credit .for taxes and insurances paid, This is what wells fargo bank .Fraudulently did, They started forclosure preseedings, stating i was 3 paymants in arears, Then closed my escrow acount sending XXXX large checks to my insurance company, totaling {$5000.00} insurance was already paid for the year,? This deceptive act was deliberate act to deceive and deprieve .knowingly that the insurance company will send back the XXXX checks to the bank, wells fargo then fed the funds fradulently back into a closed escrow acount, the wells fargo fradulently made the amounts look like they were older paymants, they call this cooking the books? There were no missed paymants mortgage acount in credit of {$1000.00} when they refused paymant saying acount closed in forclosure and escrow acount in credit {$5000.00} on this day XX/XX/XXXX There was no grounds for forclosure in credit of {$6000.00}, also wells fago have a co signed insurance check for damage i had repaired for {$2500.00} that make my acount in credit forover $ {$8500.00} credit no grounds for froudulent forclosure, as a consumer why have i not been treated equal to americans, preadatory lending XX/XX/XXXX lending 50 % 0f house value {$520000.00} loan amount {$250000.00} Then forclose this is organised crime act of lending please explane why wells fargo bank have not been brought to justice for fraud and perjury committed between XX/XX/XXXX to XX/XX/XXXX crooks
Background : This is regarding a credit card I recently was approved for. It comes with a a sign up bonus if a minimum spending requirement was met within first 3 months go account opening. 

Situation : According to the Chase representative, the window of minimum spending requirement begins the day your card is approved, but you do n't actually receive the card for 7-14 business days, unless expedited. Hence you actually get less than the 3 month period to spend that {$4000.00} to get sign-up bonus. 
I currently have particular reason to spend money towards an upcoming vacation, which can substantially contribute towards, the minimum spending requirement. But due to the Bank 's practice, I wo n't be able to till I physically receive the card. This appears to be an unfair and or deceptive practice, based on my interpretation of UDAAP guidance.
My mortgage initiated with XXXX XXXX XXXX than transferred to Ocwen Loan Servicing. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. Ocwen Loan Servicing or XXXX are been fraudulent reporting information and or investigations because the information has been removed from both XXXX and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( Child Support Service ) said that it was an error reported on there behalf and XXXX refused to remove.
Equifax failed to safeguard my information and allowed hackers to steal it. They are not victims here but rather bad stewards. When I went to see if I was affected they attempted to wrangle me into an agreement that reduces their liability for this breach. No! I never entered into a business arrangement with Equifax and frankly they have no business making money off my personal information if they can not take the basic steps to safeguard it. I am now obligated to add credit monitoring, fraud alerts, etc. for the remainder of my life. We are talking decades I will have to live with a real concern of my identity being used and causing severe repercussions for me and my family. Does Equifax get this? Should their CEO have his information published in the XXXX XXXX, how would he feel?
Well Fargo wrongfully foreclose on my home 2008, and I have fought to have them compensate me for the action, which cause the loss of that property valued at over 200k, this complaint has been instituted ( 4  times ) the last time it was forwarded to XXXX for a local law firm to initiate the law suit they told me to acquire an attorney. that is the reason we attempted to utilize their services. the name of the firm was XXXX XXXX XXXX telephone number ,XXXX and a web address of XXXX.this information was given through XXXX # XXXX. 

My window of opportunity is going to close by the end of the year, and statue of limitation is going to end.
XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it was  Jefferson  capital which I received no notice what so ever via mail. Which violated my rights to dispute.
Messerli & Kramer PA sent a guy to my parents home where I do not live to give me papers that said Im being sued by my old credit union for a car that had and it was repossessed. The issue is I spoke to my old credit union XXXX XXXX  and was advised that they dont sue for a car that was repossessed. The car was given to my brother who ran into a financial crisis and couldnt pay the note by the time I got ready to take back over the note it was to late. Messerli & Kramer PA never sent me a notice saying the account was with their office. The only I received was from XXXX XXXX after the car was sold at the auction advising me of what was left over. This car was repossessed in 2015 and now Im getting a notice from this agency saying XXXX XXXX is suing me. My parents were very upset that this random man showed up to their home looking for me and then the papers he had werent sealed in an envelope they were paper clipped together out in the open for anybody to see my personal business. I wrote Messerli & Kramer PA a letter advising that I cant afford the now XXXX dollars that they say owe when the balance per XXXX XXXX is only XXXX dollars. Ive been working with my brother seeing how much he can afford to pay towards this so that I can get this resolved. Im currently in a financial situation myself and there is no way I can afford XXXX plus being told that Im going to be sued.
I got a ring in XXXX from Jared Jewelers. I have NEVER received a bill in the mail and have verified all the information. Before ever getting a bill I started getting calls every few minutes. Turns out I was late and no one said anything. I never got an email, never got a letter, just constant calls. I set up payments with Jared directly and was told everything was fine. XXXX of the payments declined for some reason that is still unknown to me. I was never notified of that until the calls started all over again. I was laughed at when I called back. I also let the lady that I spoke with know that I was getting calls after XXXX which is against the FCC rules. I still have yet to get a bill and I still have yet to get any actual notice of billing or amounts owed.
I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help.
I tried to access the report using the dispute process but could not. This is not the first time this has happened.
I purchased five money orders from XXXX in XXXX XXXX, 2017 totally {$2200.00}. They were made out to XXXX at XXXX. I put them in the apartment dropbox/night drop on XXXX XXXX, 2017 around XXXX. I am a XXXX XXXX and worked a three day trip. Upon returning on the XX/XX/XXXX I noticed I still owed the apartment. The complex claimed they never received them. I gave them copies of the money order stubs/receipts. After a couple of weeks they told of me I needed to contact XXXX and report them lost/stolen. I contacted XXXX and they said they had already been cashed on the XX/XX/XXXX. I was unable to file a lost/stolen report as they were already cashed. They said I could get a copy of the deposited money orders for {$24.00} each. I had five money orders and got all the copies. The copies DO NOT have any financial institutions information on them. I had to call XXXX back. They sent me Source of Receipt. XXXX XXXX says it is not their issue to get me the money back and ca n't help me. They told me the institution who cashed the fraudulent tampered money orders are responsible. Bank of America is listed as bank of first deposit. I called their Customer Service phone number who in turn sent me to another dept. who in turn said I had to go to a branch and fill out paperwork. I want to a branch and they said they can not help me. They said XXXX XXXX is responsible. The money orders were clearly altered and Bank of America allowed them to be cashed anyhow.
I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2800.00} and needed the extra money returned. What I did n't know was that the money was a transfer from MY LOC account. Needless to say I am out {$2500.00} at this time. 
The amount was a Western Union trensfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.
XX/XX/XXXX, I requested that Wells Fargo forgo the escrow account on my conventional adjustable loan as I am below 80 % of my XXXX. Wells Fargo sent me a letter two weeks later to say that it would not drop the escrow account as my original appraisal was XXXX and since my load was XXXX, it was not below 80 % XXXX. Wells Fargo used the tax appraisal completed by the county of XXXX which was not an accurate appraisal of my real estate property. I purchased the house for XXXX. Currently XXXX has an appraisal value at XXXX. I called Wells Fargo after receiving the denial of dropping the escrow account and pleaded my case. I was told that they would review again and escalate the matter. I just received my letter today XX/XX/XXXX, telling me once again that the escrow account will not be dropped and that my loan to value is more than 80 %. No calculation was provided to let me know how this percentage was obtained. This is certainly unfair practices by Wells Fargo. I can go a step further and say Wells Fargo saw fit to change my loan to one with an escrow account without my agreement. My loan has gone from {$1100.00} to now {$1600.00} per month with escrow. I am nearly 3 years out of a chapter XXXX discharge and you would think that Wells Fargo would be more lenient with its customers that are trying to get back on their feet. If I didn't know any better, I would think this Wells Fargo is trying to get me to go into foreclosure.
Ive been garnished through my income for multiple loans issued first by XXXX XXXX, then serviced through Navient and collected through some debt firm called XXXX. These are multiple private loans Navient has claimed are mine. Through their goons at XXXX, they have claimed to serve me, get a judgement and issue a garnishment, all without my knowledge. Now, the courts have told me I need thousands spent to file papers to state I was not served properly. I think this whole process is duress, as I was intimidated from the start. Now they collect almost {$200.00} per check from me for these loans they are claiming are mine, which I never was able to fight.
Overtime this is happened several times with Wells Fargo Bank. I get an alert that my account is negative I go in and make a transfer during the day which would cause the account to come to a positive balance at the ending closing available balance to be positive but then I will still get a fee. I have discussed this with them several times the recent transactions was on XXXX the XXXX 2018. It seems like they're not showing a true available balance things that are pending are not a part of the available balance therefore if it says it is negative {$79.00} and you transfer {$100.00} to cover it it seems like they're not showing a true available balance things that are pending on not a part of the available balance therefore if it says it is negative {$79.00} and you transfer {$100.00} to cover it they will still charge you fees based on pending items that were not told be not a part of that negative balance. Also even if you do cover it and it was apart of the negative balance and you've over covered it by having a positive balance at the end ending balance they will still charge you a fee because at some point the account was negative during the day but your clothing balance was not negative it was positive and you can see it in the system they won't return your fees based on their error. Even after I spoke to a representative and they could clearly see that I had made the account positive as a closing balance so there should be no way I would have a fee on Bill pays cuz I transferred money to cover it they still would not return the {$70.00} worth of fees which would now begin another set of fees on other items that I have sent through my account.
USAA increased the interest in XX/XX/2018 on a closed credit card account.
Commonwealth Financial Systems has been trying to collect a debt of {$910.00} from me from a hospital visit I had in XX/XX/XXXX. I've tried to work with them with no luck.

Now they have added a " new '' debt, with an " date opened '' of XX/XX/XXXX. This is causing two collections on my credit for the same debt, with one being for {$910.00} and one for {$920.00}. The one for {$920.00}, was with their {$10.00} fees included on it, but not listed. The original " debt opened ''.

How is it legal to report the same debt twice on my credit report. They have been very harassing and uncooperative with this debt since it fell into their hands years ago.
I have asked repeatedly for them to stop calling and take my number off their list. They need all my info including my name to do this. Would not give it to them. Still calling. I pay for my minutes and they refuse to stop. Help ... ... .This is Portfolio recovery.
{$600.00} amount I disputed with the collection agency, they refused to delete. I have never entered into a verbal or written agreement or contract with this company.
I am in the process of buying a home and realize there is a lot of inquiries on my credit report that I did not authorize. I have contacted the companies and none of them have a written consent from me to run my credit. These are not factual inquiries they are identity theft inquiries. here is the list of inquiries that need to be removed :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
On XXXX XXXX, 2016 I wrote to Transworld Systems Inc at XXXX XXXX XXXX XXXX XXXX and informed them that under the Fair Debt Collections Practices Act that I did not want any further contact from them. Then on XXXX XXXX, 2016 I received a letter from them including attachments. This letter is still demanding payment.
I received a letter from FMA Alliance , Ltd indicating I have a balance due to them as a result of an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$290.00}. I sent a letter requesting them to validate the debt, as I'm unaware of any such debt. The request for debt validation was sent to FMA Alliance on XX/XX/2019 and has not been responded to.
I took out a {$500.00} payday loan from XXXX, which was eventually sold off to XXXX XXXX XXXX. These collectors are hyper aggressive, calling my place of work and threatening to serve me court papers. I realize this is an empty threat. 

This is threatening my job security and while I've spoken to 3 different agents with this company, 2 of them have hung up on me while I attempted to get a written letter of debt confirmation. 

I told the agents I would be willing to pay down my principal balance from the original loan for {$500.00}, but no more. They got angry and tried to scare me into paying over {$1000.00} and proceeded to hang up on me when I tried to get their physical address in order to send a certified letter of debt confirmation, since I really don't know who these guys are.
Borrowed money in XX/XX/XXXX for {$1000.00} and the payments were never deducted from my bank account. After a few months, I contacted the original loan company and was told that they had no file with my information for a loan. I did not hear from them after that until XX/XX/XXXX when I received a rude message from a woman from XXXX XXXX stating that myself and my attorney needed to contact her. The woman also stated in the voicemail that I was the registered owner of a XXXX XXXX vehicle. The vehicle she mentioned belongs to my ex husbands wife, who happens to have the same name as me, following her marriage to my ex husband. I do believe the lady from XXXX XXXX received my contact information from my ex husbands current wife. After that, I continued to receive numerous messages about a file connected to me. I have been working with a credit repair company for a year and they had sent requests to this debt collector requesting they validate the debt but the documentation was never produced. I am in the process of taking the steps to purchase a home and I needed to get this debt removed from my credit report to move forward. I spoke with the lady at XXXX XXXX and requested validation of the debt which again was never produced. I was told my only option to resolve the debt was to pay a sum of {$850.00} to which I did pay on XX/XX/XXXX so that I can proceed with a home loan. All of the information that was listed on my credit report about this debt was incorrect and not validated. I am asking to have this information verified and corrected or have the account deleted from my credit report due to false information. I would also like to request a full refund for the sum of {$850.00} that I was forced to pay. Other than what was reported to the credit bureaus, there has not been any sort of documentation printed on paper regarding this debt.
Account paid in FULL via phone with XXXX XXXX : Tuesday XX/XX/XXXX. 
XXXX XXXX can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 XXXX XXXX  representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with XXXX XXXX. Recently spoke to XXXX XXXX regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with XXXX XXXX  to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will work with me. 
Please note : Married Name : XXXX XXXX ( EST. XX/XX/XXXX ) Maiden Name : XXXX XXXX
I purchased XXXX items from XXXX, the total price was {$33.00} and they denied that they used an old card. They say they used the card that was up to date, which is false, if they had, this problem would not have happened. I have a {$8000.00}. Limit and have a payment of {$170.00} due on XXXX/XXXX/2016, do n't know who put it on credit report, XXXX and all are on credit report, at once. Is there anything I can do to get them removed, my credit score went from XXXX to XXXX in a mighty swoop. I need some direction to get my credit score repaired. Thank you!!
I 'm a victim of identity theft and took information and opened up account   XXXX   XXXX   XXXX   account