WillisBack/dataset-financial-user-claim huggingface dataset:
Navient has only offered me forbearance and never a repayment plan, deferment or loan forgiveness. After logging onto their site Navient does n't list the break down of my loans, which college it is, location, amount of the original loan prior to accrued interest and the amount of interest listed of 2.5 percent is n't accurate either. I would have never agreed to forbearance if all of the risks and high interest were explained to me. Also, Navient continuously stated to me that my income was to high to qualify for anything else other than forbearance before taxes I make XXXX and after tax XXXX. In addition, I have serious health condition that I disclosed to Navient due to my high medical debt from being hospitalized several times, this was to no concern to them they simply ignored it and kept pressing forbearance. In addition, Navient sent me a paper statement just recently when I originally asked for electronic. Lastly, I work for the XXXX and was n't informed I may qualify for loan forgiveness either partially or full.
In XXXX 2014, I purchased windows from The Home Depot. The Home Depot representative, XXXX XXXX, told me that the financing was 24 months interest free through The Home Depot card. When I received the first statement in XXXX 2014, it showed staggered interest rates, I contacted both CITI ( the underwriting bank ) and XXXX XXXX of The Home Depot. XXXX XXXX has repeatedly told me that there must be a mistake because it was supposed to be 24 months interest free. Every month since then, upon receiving the statement, I have contacted both CITI and The Home Depot. Every month, I was assured by The Home Depot that there was a mistake. However, I am now paying over 26 % interest. This is predatory and deceptive lending practices of CITI.
I've sent a wire transfer to their bank ( XXXX XXXX XXXX ) in NY coming from XXXX NY last XX/XX/2017 to fund my Coinbase account. I followed all the instruction stated in Coinbase website how to deposit through wire transfer. My bank has confirmed that XXXX XXXX XXXX has XXXX the {$5000.00} wire transfer.. I opened a file with case ID # XXXX dated XX/XX/2017. I tried to contact their customer support numerous time on phone, email, XXXX, XXXX & internal messaging, but no response whatsoever. It's been over 2 months now & I missed so many buying opportunities in cryptocurrency trading. Please help me get my money back to my XXXX account or deposit to my XXXX account. 

Thank you very much. 

XXXX XXXX
Set a debt validation letter with specific information requests about this debt. This company responded with letter that says I owe the debt and nothing more.
I have consistently been pushed in the direction of forbearance with Navient. I've been out of school for almost two years now and while I couldn't make a big payment they have told.me.thatbas long as I stay in forbearance everything is okay and eventually my loan will be forgiven.
Trans Union is in violation of the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ). TransUnion is required by Federal law to verify, they have not and continue to report inaccurate information.
This complaint is against Ally Financial. I have been paying extra money with my monthly payments. I was told to call them and tell them what I want the extra money applied to. For the past two months I have been calling ally and I can not get anyone on the phone who understands English. When I ask to be transferred to an american representative, They either end the call or just refuse to transfer the call. I called ally bank several times last week. The representatives call the call center and could not get an american representative on the phone. This is affecting my credit as I am continuing to incur late charges. I would like to speak with an american representative so this problem can be solved. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX XXXX
Experian has not removed an item in which I have advised is beyond the 7 year time period. XXXX erroneously is providing the first date of delinquency. It is not XXXX of 2009 in which XXXX is reporting. It is XXXX or XXXX of 2009 which this item would be deleted off my report. The payment made to comcast I was told in XXXX 2009 by my cousin was for previously owed bills. The remaining balance was for XXXX, XXXX and XXXX for a total of XXXX dollars making the first date of delinquency in XXXX.
TodayXX/XX/2018 I attempted withdrawing US Dollars from my account in Coinbase. After attempting to withdraw, I receive an email saying my bank is cancelling the deposit. However, my bank XXXX XXXX, states they never received any deposits nor blocked or cancelled any. So I tried Withdrawing again from Coinbase, and depositing into my XXXX XXXX  account. Again, they say bank cancelled deposit, again bank denies. I lost $XXXX already on this, nobody at Coinbase responds, its a shame they even are licensed. Please help me get my money back.
I have contacted Chase multiple times on XXXX and XXXX for a credit card application due to misplaced fraud alerts. They repeatedly asserted to me over the phone that they are sending hard inquiries to XXXX, not XXXX. I agreed with the hard pulls under the impression that they would contact XXXX. It turns out that they lied every time. 

The choice between XXXX  and XXXX  matters here because they mishandled my recent fraud removal requests and I am still working with them to resolve the issues. Until the matters are settled, a hard pull from XXXX  would not help my issue with Chase but only damage my credit score. Chase thus unfairly harmed my credit score without my genuine consent on hard pulls.
I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX at one time two collection agency XXXX and Cach LLC was trying to collect from me for the same credit card, after contacting court and you ( CFPB ) one of the attorney from XXXX contacted me and I am actively paying them, Cach LLC continue to send letters with the same account # and different amounts, every time they call me I tell them I am already working with XXXX. at this point I feel they are harassing me, they are also on my credit report, I would like to have them ( Cach LLC ) off my credit report and stop all the unnecessary collection letters
On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX sent me an email stating their investigation did not fix the error on my credit report because XXXX and Equifax companies that reported the information to them was certified. No other explanation was given.
I called their rep - XXXX from the Montana call center to discuss and they refused to reverse the {$1.00} they charged me. NO where on my statement has their been any indication of any balance subject to interest charges. So when I reviewed the statement I saw nothing in balance subject to interest and nothing in the interest charges. They put the {$1.00} in " FEES '' but it amounted to a minimum interest on {$11.00} which they failed to disclose for XXXX credit card statements that there was a balance subject to interest. It was not readily apparent due to the fact that there is also a large balance which was at 0 % interest for which I already paid a fee and there was not to be any more fees. 
I believe they should be placing any balance subject to interest clearly on the statement. They failed to do that. All balances subject to interest were listed as XXXX XXXX XXXX XXXX. They did that for XXXX statements, charging me {$1.00} XXXX times. 
And they advised they will also charge me again.
XXXX XXXX - related to 3 of my accounts with them, XXXX XXXX, XXXX, walmart On XX/XX/2018 I had a hard inquiry done on my Credit score and everything came back fine. Nothing All but one credit card I had was paid to XXXX on XX/XX/XXXX. 
Suddenly in the mail I got a letter dated XX/XX/XXXX from XXXX XXXX stating my XXXX card - they ( OUT OF THE BLUE ) did a recent inquiry on my credit and they found. 1 ) Serious Delinquency 2 ) A Number of accounts with Delinquency's.. So they were lowering my avail balance from {$700.00} down to {$100.00} ... I thought wait I just had an inquiry on my account done, how was this possible. 
But I get an alert stating my Credit has changed and I should check it. So I did When I look into it and find out Synchrony was the one who put put the delinquency on my Credit Score ( over a 38 day late balance of {$42.00} dollars ) Now mind you on XX/XX/XXXX my report was clean - nothing for PAST OR DELINQUENT in a couple of years. and all but 1 CC was paid to XXXX by the XXXX So on the XXXX. Synchrony put a 30 day past due on my score. 
So now I get this letter stating after a review - Serious Delinquencies, Number of Accounts with Serious Delinquencies, Lack of recent loan installment information. BLAH BLAH BLAH 2 pages. 
So now my Score tanks by a significant number. 
So I send them a scathing letter back - SO YOU CAN ONLY GUESS WHAT IS ABOUT TO HAPPEN NEXT ... ... ... .. 
I get couple of notices saying my credit is improving again - I think Great .... yeak ok. 
Synchrony in turn does not tell me but they close another ( XXXX ) account ( which had a XXXX  balance for over a year mind you ) Then on XX/XX/XXXX they send me a letter stating they closed a third account ( walmart ) on me stating same exact wording as XXXX letter. ( Walmart also has had a XXXX Balance for over a year ) After all of this is said and done end of XXXX I get noted that my XXXX account is now " improved '' on my credit score ... .. Here I am now with 2 accounts closed, another one with dropped avail amount. 
So you want to know the domino effect of these smucks has had on my credit with their added on XXXX. By them having to close my accounts due to a XXXX lines about number accounts Delinquent, Serious Delinquency. I had 1 delinquency and it was put there by them. So today I get a note saying my credit is changed again - I look to see that Because Synchrony dropped one credit line and closed my 2 other accounts - my available amount of credit has dropped so that also effects my score which again dropped .... Synchrony is a bunch of clowns, who played with me and jacked my credit rating into the tank.
Three days prior to the close of escrow ( XX/XX/XXXX ) it was disclosed to the buyer 's agent that the lender was denying funds for a loan that was for the purchase of a home. There was a XXXX provided to both parties on XX/XX/XXXX with no indication of trouble with the buyer qualifying for said loan. The buyer was prequalified, escrow was pending, and suddenly the buyer 's loan is denied with just three business days left prior to the close of escrow. These are examples of extremely poor business practices by XXXX XXXX
Trying to close bank account with Chase Bank over the phone. A branch is too far away to visit. Even when I pass their verifications, they refuse to close the account. When I mentioned my consumer rights, they hung up on me. I sent this email to them : '' I want to close this account now. Per consumer laws, I have the right to protect my personal information and privacy. The failure to close my account violates my consumer rights to protect my personal information and privacy. I have the right to disassociate myself from this bank and protect my personal information. Your personal service is unacceptable and intolerable. I want my account closed. This account does not have any money in it and it will never have any money in it. There are no pending transactions. ''
I have never used XXXX. I noticed some XXXX charges on my bill and called Chase Bank to report the fraudulent charges. They asked me to look through my bill and report which charges were fraudulent. I told them that I never used XXXX and all the XXXX charges were fraudulent. I looked through the rest of the bill and told the representative that I didn't see any other fraudulent charges. 

They told me they'd cancel my card, issue me a new one, and reverse all the XXXX charges. They reversed most of them, but I had to go through and check their work. I noticed five charges they failed to reverse, totaling {$110.00}. 

This is unacceptable. I shouldn't need to check their work. They failed to verify that they reversed all of the charges. This sounds like a broken process and one that the Chase Bank has no incentive to remedy. 

The transactions they failed to reverse are as follows : XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XXXX
I purchased a washing machine from Conn 's a while back and I fell behind on my payments. A few months back I started an auto draft from my bank account of XXXX each paycheck ( bi weekly ) to resolve this debt XXXX my payments are {$67.00} XXXX. On XXXX/XXXX/2015 I received a call from a Conn 's representative that i was still behind but she would take a {$20.00} payment that day and that would be caught up. I made the payment but the calls about the debt have not stopped. It is currently XXXX and I have received XXXX phone calls today. XXXX of which have come AFTER I spoke with someone today about discontinuing the calls as I have caught up with my payments. It has long been their practice to call anywhere from 6-9 times per day in resolution of a debt. Receiving what feels like a call every 90 mins feels like harassment.
XX/XX/XXXX I signed up for a Citi Gold account with Citi Bank. The promotion code " XXXX '' I opened the account with said that I would receive XXXX Thank You Points after making a bill pay for XXXX consecutive months. 
On XX/XX/XXXX I received confirmation from XXXX XXXX that the promotion was successfully applied to my account. 
On XX/XX/XXXX I confirmed received confirmation from XXXX XXXX that I had fulfilled the terms of the promotion and that I would be receiving my points no later than XXXX/XXXX/XXXX. 
As of XX/XX/XXXX I have not received the points and after contacting Citi, they have refused to honor the terms of their promotion. Instead the bank has continued to string me a long, while charging me $ XXXX/month in fees.
My parents had a reverse mortgage with Wells Fargo Bank, father passed away XXXX XXXX, XXXX. I notified Wells Fargo Reverse Mortgage that I intended to purchase the property. They have put me off many, many times by withholding necessary information for me to save the property. 
When I could n't find my parents ' will, a Reverse Mortgage Home Preservation Specialist told me to fax my birth certificate, which I found out too late by others in the department, had no bearing in any way. They changed Home Preservation Specialists many times, transferred me into voice mailboxes that were full, was transferred into voice mailboxes that were supposed to supervisors, but we 're not, and when I did leave voice mail messages, no one would return my calls. When I requested to speak to a supervisor, I was told, they are out to lunch '', they are in a meeting '', " they are on the phone ''. They never gave me any names of any supervisors, and Home Preservation Specialists would promise a call-back within 48 hours, but no supervisor has ever called me. 
When I finally found my parents ' wills, I went to the Main Branch of Wells Fargo, at XXXX XXXX XXXX XXXX XXXX, here in XXXX and asked for help. A representative phoned Wells Fargo Reverse Mortgage Department, spoke at length with a Home Preservation Specialist, and was obtain much information that had been withheld from me ; she also faxed both of my parents ' wills and a letter requesting a delay of proceedings. 
Seven days later, they issued a Notice of Default. 
I was referred to a Wells Fargo loan specialist, who I spoke with once, he promised to call me the next day, but did not. I got the name of another loan specialist, my brother secured a loan, we faxed the pre-approval letter to Wells Fargo Reverse Mortgage. 
The Default Notice names XXXX XXXX XXXX XXXX XXXX, which I have contacted for help, but nothing has changed. They refer me back to Wells Fargo Mortgage listed on Notice of Default, but they had no information on me, even though I am executor, and refused to speak with me. I had to fax wills to them. They told me it would take 72 hours to process, before they would discuss matters with me. When I called back after the 72 hours, I was told it takes 7-10 days to process. 
I am running out of time to save this property I only last week found out that we needed a probate lawyer Lawyer began his part Friday, XXXX XXXX, XXXX, but probate takes 60 days We were given 90 days to respond to Notice of Default Probate will take us beyond that date Wells Fargo has refused to requests to work with them SELECTIONS BELOW DO GIVE PROPER DESCRIPTION. I am making a selection because it is required, but it is NOT ACCURATE
There are addresses that do n't belong to me and it is fraud. I never lived at these addresses and I want these addresses removed from my credit reports which are as follows. 
XXXX, XXXX XXXX XXXX, reported XX/XX/2016 XXXX, XXXX XXXX XXXX, reported XX/XX/2016 XXXX XXXX XXXX XXXX, XXXX, reported XX/XX/2016 I have previously requested for these address and old information of previous address to be removed from my credit report the following address below XXXX, XXXX XXXX XXXX I also request that all previous telephone numbers be removed the only telephone number that I want to be listed on my file is XXXX
victim of identity theft and fraud I have never establish credit or lived outside XXXX before 2014
I purchased a vehicle from XXXX XXXX on XX/XX/XXXX, I did have some issues with repairs during that time the company did fix the issues, ( some and others we had to deal with ourselves ) ; however I have been having issues with XXXX XXXX reporting my loan information correctly. The first time I contacted MM was in XX/XX/XXXX and requested, for XXXX to correct the loan and monthly payment amount, they corrected the loan amount and still had the incorrect monthly payment. I was checking my credit back in XX/XX/XXXX, still was not fixed I waited and check again in XX/XX/XXXX and notice again the information was wrong with XXXX XXXX, so I contacted the business and Experian to report incorrect information on my credit with XXXX XXXX, once again the loan and the monthly payment amount was incorrect. I spoke with XXXX and she told me XXXX   have changed their reporting company due to issues, so I asked her why I have to keep dealing with this issue, she stated I wasn't the only one dealing with the issue, as if I was supposed to feel better. Then she proceed to tell me I need to contact the Credit Agency and dispute, well I had already filed the dispute twice and this would be the 3rd time  disputing. When I called Experian they told me to contact the Business, so I contacted XXXX again she was very rude, when I was telling her this information about my credit and that their company is reporting fraudulent information. Since XX/XX/XXXX Experian have tried to contact XXXX  for a month to get the correct information. Now I notice with All Reporting Agencies, XXXX XXXX loan has been closed on my crediting report, of course I am still paying and still trying to find out what I need to do to get this information corrected on my credit report and now working on getting XXXX  to report my car loan. The loan amount is currently {$13000.00} and the monthly payments is XXXX, however I pay XXXX - biweekly, never been lately or missed or payment. So now inaccurate information remains after the complainant disputes it, and now they are not reporting the information to any Credit Agency. The owner did reach out but he was asking me to send him information to show my loan amount and my credit report to show the loan is closed. If the finance department is reporting my loan information to their reporting company and the report company notifying the Credit Agency, why do I have to do their leg work? If I was late or stop paying they would rush to report. I also wanted to know if XXXX  ( private financing ) have to report the interest on my loan to the Credit Agencies, or should they only report the loan amount. Personally I feel if I am paying Loan + Interest, every thing should be reported. Thank you for your time and assistance with this matter.
When my vehicle was repossessed in XX/XX/2017 the remaining balance was {$8000.00}. This balance was reported to my credit bureau reports by Toyota. It is the law that the towing company is not to disturb the peace when coming to pick up the vehicle. The whole time the towing company was here which was at XXXX XXXX. and for at least 15 minutes as they were struggling to secure the vehicle, they had their high beams shining in my neighbors window. In addition, they banged down my door as hard as they possibly could for a good amount of time. The two guys from the towing company furthermore were extremely rude not that I expected anything more. They are supposed to give you the opportunity to get your belongings out of the vehicle before taking it which they did not do, instead they peeled wheels and sped off again disturbing the peace. The towing company was at least an hour from where we live which we feel was Toyota being vindictive towards us. My wife and I had to schedule an appointment to come and puck up our belongings from the vehicle. When we got there we found all of our stuff in a trash bag very carelessly thrown together and therefore as a result a lot of our stuff was broken/damaged. There is a law in place which states that we are to be notified of the time, as well as place that the vehicle will be auctioned in the event my wife and I wish to participate in it. Toyota neglected to notify us of this information. I instead received a phone call from a collection agency collecting on behalf of Toyota for the amount that was owed at the time of repossession. I asked the representative if the vehicle had been auctioned off and I was informed that in fact it was. I advised the representative from the collection agency that it is the law that Toyota is to notify me of the time and place of the auction and she agreed with me. I asked to speak with the supervisor of the collection agency and in formed her of my situation. The supervisor thought something very suspicious was going on and she was going to investigate the matter as to which I expressed my gratitude for. I told her I also wanted to know how much the car sold for at auction. I eventually heard back from the supervisor who advised me that the car sold for {$17000.00} which covers my remaining balance and then some. I was advised by the representative that I still owe the {$8000.00} which she did not feel was justified but that it was just what Toyota was informing her. I have tried to no avail to dispute this with all three credit bureaus numerous times. I have also spoken with the executive office of Toyota, they will however say anything and everything to make their actions/claims appear valid.
I checked my XXXX credit report & noticed a derogatory mark on my credit report from Midwest Recovery Systems concerning an unpaid loan in the amount of {$1400.00}. It states the original creditor was XXXX. I do not recall this loan which is from XX/XX/2015& I never received a letter or phone call before this was added to my credit report. I request verification or immediately removed from my credit report.