WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I called navient about my private student loans at XXXXXXXX XXXX  to cancel my XXXX payment. I was then told I would be removed from the rate Reduction Program and I would have to call back in XXXX to reinstitute the rate Reduction Program so I could resume payments. Previously my account was put into the rate Reduction Program in XX/XX/XXXX. I called today XX/XX/XXXX as instructed, to reinstitute the rate Reduction Program for my private student loans I was then told a payment had been already posted to my account on XX/XX/XXXX for the agreed-upon amount from the terms discussed in XXXX of XXXX. The navient employee I spoke to said that I had received unclear information from the XX/XX/XXXX phone call, he told me that the agent may have said could vs. would as far as being removed from the program either way the problem was and a payment of {$300.00} was removed from my account without my knowledge when the agent on XX/XX/XXXX told me my payments would be canceled and I would have to subsequently call back to re-enroll in the program. I spoke to navient for 54 minutes discussing this problem there is nothing more to do at the time I want to lodge my complaint and I want this to be evaluated because this is not the first time that I feel as though I have been deceived or misled by this lender as well as other lenders such as XXXX XXXX and Sallie Mae when it comes to my private student loans in the past. I have never had a specific example with dates and times as to my feelings about being misled.
Trying to purchase a home, XXXX and XXXX creedit score in in the XXXX range. However, Equifax rating is in the XXXX range. I tried to reach Equifax and felt uncomfortable providing my Social Security over the phone. I reviewed the CFPB article on building and keeping good credit and I do not see anything in Equifax cedit report that would explain the low score. This is my basic complaint. Will you help please.
Debt collection agency : Medical Data Systems. Received telephone call at my place of employment without written or verbal permission to do so to discuss a debt owed. Continued to contact my employer after I verbally asked not to.
Equifax Security Breach : I 'm very concerned that the most secure data I own was given up by a company I 've never done business with and have not control over. The implications of this breach are enormous for my family and for our nation considering half the population was impacted. I think the Federal Government needs to step in to protect the U.S. citizens on this security threat. We ca n't wait and need to do something now. This should have just as high priority as the funding for Hurricane victims. Please help.
I have a number of times contacted this company about private loans and this includes a career training loan. I have asked for them to lower payments or make it at least manageable to pay back. They stated the lowest they could make it was XXXX that is only for a year and then they would have to relook at the accounts and see if I would be able to keep it. They originally wanted over 800 dollars from me which is an entire paycheck. I have done my best for a year and now they want to up not only those loans but all of my payments on all my loans. I already pay over 600 a month, and am barely getting by. I am literally filling bankruptcy on my other debt because I can't keep up. My career training loan, was years ago and I can't seem to put a dent in it at all. Not to mention the school was not accredited and basically a scam and they ended up changing their name and closing a couple years later. When I asked the company of loan forgiveness as the school closed later they said their was nothing they could do for me. This company is a trap, and if I knew then what I know now I would have never gotten loans period. I need help.
Transunion refuses to remove this from my credit. The bankruptcy courts of South Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.
I am writing to request a correction of the following information that appears on my XXXX, Experian, and XXXX XXXX report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX  to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, Experian, and XXXX and filed disputes via email as well as certified mail with no help.
I have a dispute with a local towing company. Towing company charged higher amount than they promised and also higher than they are allowed to as per law. Also as per their service agreement they have to take care of all my stuff but they did not bring my front license plate. So I opened a dispute with BECU under their visa dispute program but to my surprise I found that they have contracted it out to third party company and this dispute department did not investigate my dispute properly and their decision was " '' towing services were completed we do not have dispute rights against the merchant '' '' we are not disputing whether towing services are provided or not we are disputing the amount they charged and their service. ( i.e. they lost my license plate ). Also I had to call police because towing company was harassing me at my home. Also I feel betrayed that BECU convinced us that we are protected and they will take care of us in such event but actually they contract it out to third party company who really does not care.
Experian is fraudulently and vindictively punishing those who have filed CFPB complaints against Experian.     Every time I want to temporarily remove a security freeze ( or perform virtually any other type of online function ), Experian refuses with the lue they can not verify my identity. They then insist that I have to use the mail to submit my request and great delay and inconvenience. They do this as retribution for previously filed CFPB complaints against them.     When requesting a temporary lifting of a credit freeze, I correctly and precisely enter my PIN and other identifying data. I enter my address exactly as it appears on a recent Experian credit report I have in hand. Each time, Experian refuses to unfreeze my credit file because, they lie, they are unable to confirm my identity.     Experian then suggests I pay them {$25.00} per month for their credit monitoring and credit lock service. When I enter the exact same personal information and pay them {$25.00}, they can then miraculously immediately confirm my identity.
Contacted USbank Employee Staff ; XXXX, XXXX/XXXX/XXXX because USbank website DOES N'T allow complaints. USbank denial & refusal to resolve ACCOUNT FRAUD & EMBEZZLEMENT of my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Called US Bank ; XXXX, Spoke to US Bank Employee ; MEAN/HATEFUL OLDER WOMEN, She was n't grossly incompetent, She was DELIBERATE in HER ACTIONS to SEIZE OVER {$150.00} ( One Hundred & Fifty Dollars ) of OVER-PAID CREDIT CARD PAYMENTS with False UnTrue Statements. 
US Bank Supported the Confiscation and Seizure my REFUND DENIED TO ME. 
US Bank Employee ; MEAN/HATEFUL OLD WOMEN, Disgruntle, Argumentative, Distorted the Facts, and made False Allegations ... She was Typical US BANK Bureaucrat. ( see attachment Letter )
Below is the complaint I just sent to Navient. 
" I recently came across an article written in the XXXX titled " The Accusations Against Navient '' and my issues is specifically in section # 3 " Handling Payments Incorrectly. '' I have had an issue with Navient regarding this issue and I would like something done about it. On XX/XX/XXXX, I started making payments on my loans. Since my Subsidized Loan ( current balance {$6300.00} ) is at 0 % interest thanks to the benefits of XXXX Military, I requested my mailed in check payments be allocated to my Unsubsidized loan ( current balance {$13000.00} at 5.75 % ). This was a painstaking experience because each time I had to call and spend a minimum of a half hour talking with a customer service agent to ensure my payments would be allocated solely to the Unsubsidized loan. Fortunately, after each phone call, I was able to get my payments allocated properly. However, starting on XX/XX/XXXX, Navient would no longer allocate my payments to just my Unsubsidized loans stating that I could not do that since it was a consolidated loan. After arguing for some time, I had enough with it and gave up. My question is why could I pay on my Unsubsidized loan only from XX/XX/XXXX, through XX/XX/XXXX, and then not be able to do so starting on XX/XX/XXXX? This is frustrating and I 'd like something done about this. My next step, if not handled properly, is to follow through with media sources and the consumer protection agencies. '' I have created a spreadsheet with all my payments proving my case that I would happily share with you. Thank you for your time and help with this very frustrating issue. 

Very respectfully, XXXX XXXX
XX/XX/XXXX, I called Sallie Mae to start the process of paying my student loans. I graduated XX/XX/XXXX from XXXX University. In finding out that my monthly payments were quite high, I wanted to find out what options were available to me to lower the monthly payment. 

I spoke with a very nice woman, based in Indiana. I believe her name was XXXX. She told me about the rate reduction program. I applied, and was told that I would need to miss a payment in order to be considered. Though I thought this was strange, I obliged. 

Soon thereafter, I found out that I had been accepted to the program. By that point, I had all of my loans scheduled on autopay, and, according to everyone at Sallie Mae, everything was on track and good to go. 

On XX/XX/XXXX, I tried to apply for an apartment in XXXX XXXX. To my surprise, I was denied and told that I had an exceptionally low credit score. Because Sallie Mae was the only company that I was indebted to ( besides federal loans ), I immediately thought that there might be an issue with my Sallie Mae account. I spent my entire lunch break speaking with an associate, and then a supervisor. The supervisor assured me that the credit issue was not associated with Sallie Mae, and that the company had never reported anything related to my account. 

When I returned home from work, I ran my credit report, and found that my extremely low credit score was, in fact, due to Sallie Mae reporting my " missed payment '' to the credit agency. Because of my low credit score, I was denied housing and had to spend years fixing it. This was a huge hassle - especially for someone right out of college. And to make matters worse, my interest rates/monthly payments were astronomical.
We are the seller of the property. Appraisal for property with accepted offer of {$330000.00} came in at {$310000.00}. Comps used were XX/XX/XXXX/XX/XX/XXXX when the most comparable property sold XX/XX/XXXX. Our home was listed XX/XX/XXXXand closed XX/XX/XXXX. The appraisal was incorrect and we sent detailed corrections to the First National Bank XXXX, PA XXXX XXXX Asst VP XXXX and requested corrections be made. The appraisal had many inconsistencies and contradictions. No value was given for 10 items. The appraisal stated that the neighborhood value of homes were consistent and appraisals generally fell no less than 5 of purchase price. In the Opinion of Site Value, he gave the home a value of {$390.00} ,XXXX and then said it was not a consideration for the appraisal. He stated no improvements were made in 15 plus years and the home is 4 years old. We contacted a real estate attorney for a consultation. The attorney agreed that we had no true value of the home. In addition, when an appraisal is contested, another appraiser does the appraisal. We offered to pay for the second appraisal but the bank chose to use the same appraiser. The bank Underwriter accepted the false appraisal and accepted the appraiser 's refusal to make ANY corrections to the appraisal. We asked for this in writing and were refused. 
However, we do have phone and emails on the matter plus supportive documentation. Although there is no proof, the attorney said that these refusals can give the perception of collusion. I spoke with a local WV bank and was told they have never had an appraisal come in that far below the selling price and they assured me they would never provide a mortgage loan based on a false appraisal. Most disturbing was Mr. XXXX XXXX absolute determination to not review, discuss, or correct ANY of the items that were pointed out. He knowingly submitted a false appraisal. And in return, the First National Bank knowingly accepted the false appraisal. This can not be a viable or legal practice. We felt backed into a corner by all parties involved. We felt bullied and did not feel anyone had any interest in the outcome other that the money they stood to receive. We have no idea of the connection of XXXX XXXX XXXX relationship with the bank.
I contacted Caliber Home Loans for a modification as I was having difficulties paying my mortgage because of a hardship. I received a trial plan which was increased my payment {$230.00} per month. I contacted Caliber Home Loans on three separate occasions with no explanation. My latest call to Caliber was yesterday and the single point of contact informed me that I would have to talk to XXXX XXXX to find out the how Caliber came up with the increased payment. The single point of contact also told me that if I could not afford my home to surrender it. I want Caliber Home Loans to tell me how they came up with the increased amount and perhaps work with me to lower the payments. 

Also, I have not received an explanation from Caliber regarding the Obama Hardest Hit Funds they received back in 2016 upwards of XXXX. I was advised that XXXX went towards the principle and that would lower my payment however that was not the case.
I had a bank loan XX/XX/XXXX in which I had a couple of late payments. this loan was paid in full XX/XX/XXXX. I contacted Transunion and asked them to remove from my credit report, but they refused, stating that it had to stay on my report for 10 years. this is wrong. from what I read on your website, this can only be reported for 7 years. THIS IS NOT A BANKRUPCY. it was last reported XXXX this is over 8 years old. thanks
Through numerous requests, I've followed the guidelines of the FCRA in requesting that Equifax fulfill their mission statement and report accounts with integrity. Equifax have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based, which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Equfax, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX  accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Equifax have NOT verified this information and they need to be removed from my credit report.
On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.
I called XXXX XXXX the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of XXXX. When I reached out to them they told me that the debt was too old and they can't receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay the debt.
Chexsystems has a bank on my report that should n't be on there. They removed one bank but they did n't remove the other. They should have removed it. It does n't belong to me and I would appreciate them removing it. I am tired of going back and forth with them. I just want it removed.
my prior complaint with CFPB is XXXX and the Huntington Bank case # is XXXX. I thought they had fixed the errors but it isn't. They have now take the one line of credit that was paid off and reopened it adding around {$3300.00} in debt and now have subtracted that amount from the other line of credit that should have all the debt. 

On another note I just had my credit run and now the XXXX who is guarantor on these lines of credit shows they have charged of {$23000.00} in this debt, yet I have never missed a payment to Huntington Bank and I am continuing to make payments to Huntington on a monthly auto pay system. I have frequently called the Huntington reps and am getting blown off again. 

XXXX XXXX
Bank in question : Wells Fargo Tuesday XXXX I have been a wells fargo customer for 10 years, not that it seems to matter. 
I deposited a check via mobile deposit. 
When I went to see where the funds were they said there was a hold on the check because of " fraud ''. I asked for more information but they declined. I then went to the clients bank that gave me the check, they said the check was good and the money had already been debited out of her account. I spoke with multiple associates who told me multiple different things, one said the fed put a hold on it, another said the check image eas bad. The issuer of the check and her bank even tried to rectify the situation with wells fargo but they still wouldnt work with us. Then we were going to cancel the account but could n't because they had already taken the money! After this an Executive Wells Fargo supervisor told me they would be charging me a {$12.00} fee if I the issuer cancels the check. The systen will run the check again on the XX/XX/XXXX of this month and when I asked them not to do this they refused, and said I didnt have a choice, then I filed a complaint and when I asked for a copy of the complaint the executive said No. So what is to keep them from deleting my complaint and any record of the transaction and forced fees if I was to seek legal action? This is absolutely un-ethical. 
Thank you for your time!
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX, Opened Date XX/XX/XXXX, Balance {$3600.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts. 
The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable. 
On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out. 
XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding. 
overdraft fee XXXX overdraft item fee also. 
check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX. 
In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for. 
went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit. 
After complaining to bank they would not let me online again. 
Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account.