WillisBack/dataset-financial-user-claim huggingface dataset:
Several issues have taken place, I will try to bullet point for the most important issues that have occurred : In trying to find out how many months of deferment/forbearance I have left, the number of months remaining on each account differed and did not match with my records. In XX/XX/2016 I spend 20 hours over 5 days to try and get the answer from customer service, no one could answer the simple question " tell me what month/ year your system shows each of my loans was in forbearance ''. I was told several times there was " something wrong with my account '', but no one could tell me what. Finally, I was told paperwork would be sent to me in the mail. I never received this information I requested. I called back, and no record of the mail request was in the system. 
Additionally, I have been paying on time for the life of my loans because I set up my automatic repayment on the Navient platform. I have had several months of " forbearance '' the customer service reps AND collection department reps told me about, but I have bank statements showing that Navient auto-pulled my loan payment for those months. I have now accrued interest, which has been capitalized, FOR NO REASON and NO ONE at Navient that I spoke to 1 ) could help fix it ( they kept bouncing me back and forth between collection department and customer service ), 2 ) would put me on the line with a supervisor or manager, 3 ) tell me who I need to speak with to fix this. I was told " the only option you have is to default and let your loans go to collection department, that way you can create a customized repayment plan ''. I have no problem repaying my loans, but I will not pay anything when the loan servicer can not figure out what disarray they have jumbled my account into, not being able or willing to tell me where my money is going, and how to stop false forbearance. 
Lastly, I have tried to look at my repayments and how the money was distributed. I have been paying over {$800.00} a month for several years and my loans have seemingly gone up? How is that possible? When I confronted a customer service rep with this question the response was " no your loans have gone down, just look online at how each payment is allocated. All of the information you 're asking for is online. '' How is this an acceptable response when I specifically said, " I printed out all of my monthly payments from my online account ''? 

This company is a scam, they are going to end up ruining my life with all of their XXXX and no one cares. Please help me fix this! I want to pay back my loans and be able to live my life without worrying every day if my money is actually going to paying for my education! I went to college, graduated, got a good job, and am being penalized every month for adhering to my end of our contract, when Navient frivolously and erratically charges me for false issues, says I am not paying, making my credit score go down, stealing my hard earned money and still telling me I should let my accounts default as my very next option ... IS THIS A JOKE!? HOW ARE THEY ALLOWED TO OPERATE IN THIS COUNTRY WITHOUT HEAVY GOVERNMENT OBSERVATION AND AUDITING?!? THIS IS ABSOLUTE INSANITY! PLEASE HELP!
In XXXX XXXX, I purchased and financed a vehicle through Volkswagen Credit. Shortly after, Volkswagen admitted to having deceived its customers through fraudulent emissions practices in it 's diesel vehicles. The vehicle I purchased was a XXXX XXXX XXXX, a diesel car that was impacted by Volkswagen 's fraudulent practices. I have contacted Volkswagen Credit on several occasions to request that the take the vehicle back and eliminate the loan from my credit. I have been told that if I stop paying the car loan, the car will be repossessed and will impact my credit score significantly. I have continued to pay the loan and am current, but feel that there is rampant fraud throughout this issue. I do n't believe myself or other consumers should have an obligation to continue to pay on financing for vehicles that were sold deceptively. I have made no progress working directly with Volkswagen. Seeing as the company sold and financed a fraudulent product, I am hoping that you can help me.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3200.00} with XXXX, XXXX and XXXX credit reporting agencies in XX/XX/XXXX. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt with is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''
My husband and I had a loan with Citibank that was paid off in a short sale in XXXX 2011. 
Recently we attempted to obtain a new mortgage and were told that Citibank has been reporting us delinquent every month since XXXX 2011 and as recently as XXXX of this year. 
I have contacted Citibank dozens of times, sent pages and pages of documentation, talked to multiple service reps and they all say that they will get this corrected. It has been many months as recent as today, it is still on our credit report. Please help us to get this issue resolved. Thank you
XXXX XXXX XXXX XXXX . refuses to remove inaccurate negative remarks from my credit report after my repeated attempts to have them corrected.

On XX/XX/XXXX, I opened an individual credit card account ( acct ending XXXX ) with XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX, ( XXXX ) XXXX ) with a credit limit of {$300.00}. After not paying the overdue balance for some time, the account was closed in XX/XX/XXXX, and transferred to a collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX ). In less than a year, I paid XXXX XXXX according to an agreed-upon payment plan settling the debt in full.

Over a year and a half years ago, when I started paying closer attention to my credit score, I noticed that there were some negative remarks on my credit report related to this card. As of this complaint, there are 6 negative remarks remaining on this account over the last 24 months, stating that I missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not accurate as I had settled that out 3 year earlier. I reached out to both XXXX XXXX XXXX and to XXXX XXXX on numerous occasions, with both continuing to state that it was the other institution 's responsibility. I enlisted the efforts of a credit repair company, XXXX XXXX XXXX XXXX, for over 18 months at $ XXXX/month to try to get them to remove the negative remarks, but XXXX XXXX XXXX and XXXX XXXX maintained the same lack of responsibility. I contacted the three major credit bureaus myself to dispute and have them investigate, and still XXXX XXXX XXXX refused to remove these negative remarks that are highly injurious to my credit. The note that was added for me to this page of my XXXX report states : " Payments were made in compliance with the negotiated schedule. '' My individual credit report on XXXX  notes that the Balance is {$0.00}, and the Past Due Amount is {$0.00}.

I continue to be very frustrated by this, as it is negatively affecting my credit rating.

Hopefully this can get resolved soon. I do n't want to have to hire an attorney for this issue, as I 've already paid in over {$1000.00} for the services of XXXX XXXX I have attached the only letter that was sent to me from XXXX XXXX XXXX  regarding my dispute.
THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.
I decided to give this company another try after they failed the first time to provide services as advertised. I was skeptical but after seeing the results from my mother 's credit scores, I signed up in XX/XX/XXXX of this year. I shared my previous experience with XXXX, the representative who signed me up. She promised me that she would be one of the persons working on my credit file. Since signing me up in XX/XX/XXXX, I have not been able to speak with her. When I call and ask for XXXX, I either get transferred to her voice mail or am offered to speak to someone else. After using Continental for almost 7 months, I am not satisfied with the results. The representatives continue to provide me with the same information after every round of disputes are completed. I have done the majority of the work on my own. Most of my negative credit are from my student loans and inquiries so I don't understand the lack of results. All they are doing is taking {$79.00} a month to do absolutely nothing. I recently requested to speak with a supervisor to express my concerns. His name was XXXX XXXX. He apologized and also agreed that I had not been given enough information on my file to know how much progress had been made. He explained my positive and negative credit and told me he would follow up with me on XX/XX/XXXX to let me know my credit score. Since then I have not heard back from him. At this point, I want my money back. I can dispute my credit on my own and at no cost. I am disappointed once again and embarrassed that I gave this company another try to help me improve my credit score. It seems as this service is not for everyone. The information is not consistent and there is too many people working on the customer 's credit file. I want my money back and will do my own credit repair.
RE : XXXX Complaint ID # XXXX CA AG Complaint # XXXX I received a reply to my dispute and complaints with the CFPB, XXXX and AG from a senior regulatory affairs associate at Experian who said that the bankruptcy that is reporting on my file belongs to me because it has the last XXXX of my SSN, previous address and date of birth. I am enclosing the documents that I pulled from the pacer system, XXXX copies of government ID with signatures that do NOT match the ones on the bankruptcy petition as well as the proof that I was out of the country when this was filed. Not only that, but those accounts are not even on my credit file, nor have they ever been. I am also including the police report, affidavit and identification documents. If this is not resolved, I will have no choice but to take them to court. 

I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.
I had a credit card with Bank of America and was never late with a payment I was hospitalized in XXXX 2013 and released in XXXX 2013. I went to the branch on XXXX XXXX XXXX in XXXX Florida 2 days after my release to make a direct payment. I was assured by the branch associate that my payment would be posted and my account was still in good standing. The following month the account was closed before my next bill due date
I signed an agreement with XXXX XXXX to buy the property XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The closing date is XXXX/XXXX/2015. As a condition of the sale, XXXX XXXX insisted on using its own form, instead of XXXX, to make PSA, required me to purchase title insurance from XXXX XXXX XXXX XXXX, and force me to use XXXX XXXX as the closing agentXXXX XXXX Sales Team had reiterated that XXXX XXXX XXXX corporate policy dictates that we [ Builder ] do not make any changes to the contract nor use any XXXX forms ''. 
In XXXX 2015, the closing agent forged the closing documents, decided that the closing date would be XXXX/XXXX/2015, and team of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Wells Fargo used the Closing Agent to attempt to arm-strong me into taking financial obligation and risking down payment of XXXX cash prior to closing, and receiving nothing after closing. Their sole purpose is to gain money by deceiving me into thinking something which the fraud perpetrator knows to be false, robbing me with forged documents, instead of a XXXX, in the mask of complying with contract. 

Wells Fargo failed to deliver the appropriate loan documents required for the closing, never issued a written loan approval. However, Wells Fargo registered a forged final inspection approval. 

On XXXX, there was no valid Purchase & Sale Agreement, no Loan Commitment Letter from Wells Fargo, which on XXXX confirmed that they had never issued loan approval, nonetheless, the closing agent performed a fake closing. On XXXX, Wells Fargo wired the undocumented loan proceeds of {$490000.00} - which is {$7000.00} less than the expected loan amount - into the escrow account. 

By law, XXXX XXXX shall survive the closing date. However, soon after the designed fake closing, XXXX XXXX released my funds to XXXX XXXX without my knowledge, robbing me with the help from Wells Fargo. XXXX XXXX immediately put the property back to the market. 

Below is the contact information of Wells Fargo Home Mortgage representative : XXXX XXXX XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX
A XXXX XXXX, who says she is calling from an XXXX company, has been contacting numerous family members and friends about a vehicle that I do not have. I believe they may have obtained my information from an unknown source and are trying to extort money from me by using scare tactics and threatening me over voice mails.
Dealing with OCWEN is like an endless game of chess with masterminds when I am a rank beginner. This game has gone on for several years but I will single out the most recent demands : I was told that I owe in excess of {$9000.00} and I must come up with two down payments to remedy the situation -- the first amount being for {$4500.00} due on XX/XX/XXXX and, then another due on XX/XX/XXXX for {$2500.00}. Thereafter, until XX/XX/XXXX, I owe an additional {$500.00} on top of my monthly payment of {$1700.00}. If I am ONE day late, all bets are off and they will begin proceedings against me. I have sent money via XXXX because if I send a letter with the funds they always say that I have not sent them on time and charge me additional money. They blocked the XXXX account that I have always used at the same place with the same service manager who has always been able to send the money but this month was unable to do so. I then sent money orders totaling my monthly payment which they returned to me, stating they would need " payment in full '' or nothing. When I challenged the amount they were demanding, they came up with a date from several years ago during which time they said I failed to make my monthly payment. However, I was in bankruptcy court at the time and the US bankruptcy trustee was overseeing my payments. He would have pulled my Chapter XXXX bankruptcy protection as a result and I would have lost my home then and there. Payments are not posted accurately. " Relationship managers '' which you are assigned and who supposedly sign off on agreements are not there when you need them. After sending them the {$4500.00} they demanded, they called to tell me they needed an OK to post the funds. Despite the fact that I provided tracking numbers for both the post office and the XXXX, they tried to imply that I had not sent them on time even though I e-mailed them the tracking information for both overnight and same day transmission of funds which should have proved the funds were sent on time. I could go on for hours regarding the mountains of mail I receive, the demands and the egregiously fraudulent activity I have endured. I know others trying to manage similar situations, one of who is an XXXX year old lady who is XXXX XXXX and can not manage any of the unintelligible XXXX they constantly sling. Time to serve a cease and desist order on these despicable people.
In 2007, I applied to Navient for Student Loan Forgiveness. They approved me and transferred my loan amounts to Navient. I paid my monthly loan payment for ten years and was a XXXX XXXX XXXX   and a XXXX XXXX XXXX XXXX then went back to XXXX XXXX XXXX. I contacted Navient for the loan forgiveness and was told to contact MyFedLoan to apply for the forgiveness. I went through the process they approved my employment and my 120 payments ; however, I was not qualified for the loan forgiveness because I was not in an eligible repayment plan. Navient counseled me on my payment plan, they never told me I was in an ineligible repayment plan. Now I am told by MyFedLoan that I will need to make payments for another 10 years! I recently read some articles online about Navient and it recommended I file this complaint ; I hope I will receive a resolution to this issue.
I was informed by my Mother that she was contacted by the XXXX XXXX XXXX with a court order document # XXXX and that I am required to appear in court and a telephone number was left for me to return the call. I then called and was transferred to a XXXX XXXX XXXX who claims to be a Paralegal for XXXX XXXX XXXX. 

I was told that a creditor is seeking a lawsuit for the amount of {$1900.00} and that if I am willing to resolve this amount and if I am not that the suit will be forthgoing. They stated that they have attempted to send correspondence to my residence ( which I never received ) the address he stated was incorrect. 

I am not sure if this is legal under the Federal Fair Debt Collection Practices Act and I am hoping to get assistance in preventing additional calls and legal proceedings.
I received a letter from IC System back in XXXX XXXX, 2015 stating that I have a balance due from XXXX XXXX XXXX. I was shocked and researched the issue with XXXX XXXX XXXX immediately. XXXX XXXX XXXX confirmed with me on the phone and in writing that I did not owe them any balance and the communication from IC System is incorrect. Then, I contacted IC System to explain the situation to them on XXXX XXXX, 2015 and the representative ( XXXX ) advised me to mail them a dispute letter. Then, I did mail IC System two dispute letters. After I sent the dispute letter, I follow-up with IC System three times on the phone on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2015. IC System advised me that the status is pending the response from XXXX XXXX, but they will not report my file to the credit bureaus as they still need to do a investigation. However, I just realized they reported my file to the credit bureaus few days ago without clarified my account with XXXX XXXX XXXX. I called IC System today, XXXX XXXX, 2015 and seeking for help. Their response to me is I am sorry they can not do anything about it, I can dispute that from the credit bureaus if I want to. I believe the whole process make me very frustrated and helpless because of the mistake of a billing.
TD BANK AND IM SURE OTHER BANKS ARE BEING VERY FRAUDULENT IN CHARGING OVERDRAFT FEES by manipulating posting transactions time and date online. I monitored my account, posted a transaction earlier in the day, it posted the money was taken out of my account because there was sufficient funds in my account at the time. Later at night or the next day, they post their monthly bank fees and then return my previously paid bill as returned charge and charges me overdraft fee, AND THIS IS IRRESPECTIVE OF THE FACT THAT MY DIRECT DEPOSIT PAYCHECK POSTS THESAME DAY AS THE DAY I WAS CHARGED THEIR MONTHLY BANK FEES ... .THIS IS SO FRAUDULENT ... .NEWS AGENCIES AND THE PUBLIC should be notified if cfpb wont protect American citizens and the little guys from the greed and crimminality ofctbe big guys. Pls fix this and REFUND US THE ILLEGALLY FRAUDULENTLY MANIPULATEDLY-CHARGED OVERDRAFT FEES.
This is absurd, Ive sent a letter to XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. A bill is NOT validation of an account, Im devastated that They have reported delinquent information to the credit bureaus without being able to properly VALIDATE this information. I feel violated, Im requesting this account to be removed.
On XXXX XXXX,2017. I sent certified letters to XXXX XXXX XXXX asking them to validate 3 accounts they are reporting on all three credit bureaus. They fail to validate the debts. I do not have a contract with them. These debt are from XXXX XXXX which had no permissiin to share my medical information with a thid party. I also sent letters to XXXX, XXXX, and XXXX. XXXX XXXX deleted 3 of the accounts. XXXX still reports all 3 accounts. XXXX only deleted 1 account. I have had no verbal communication with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX C/o XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$94.00} They trying to collect a debt they do not have a right to collect.