WillisBack/dataset-financial-user-claim huggingface dataset:
I have 3 issues : 1. I have been on an income based repayment plan since XXXX. My standard way of communicating with Navient was via email, but they mostly spammed my inbox with XXXX. At some point in XXXX, they sent me a renewal notice for my IBR. Thinking it was just more XXXX spam, I missed the email, and my loan went into standard repayment. I did not know until I was 2 payments behind. A customer service rep advised me to take a forbearance, and I did to avoid having to pay the high balance. She did not inform me, however, that in taking a forbearance, I would no longer qualify for my 1 % interest deduction I had been receiving for making on time payments. I only noticed after looking at my account. When I called customer service about it, they informed me even though I had always made on time payments, I would NEVER be able to earn back my 1 % interest deduction. 

2. Every year I submit my family 's tax returns to renew my IBR plan. Every year, I have received a payment amount that has allowed me to work toward paying off my principal. This year, they offered me an extremely low payment, even though our family income went up. If I chose to pay this amount, I would never pay off my principal, and my interest would accrue and be capitalized each year for my unsubsidized loan. In effect my loan balance would be going up. Even though I pay much more than they are asking, I am still behind on my interest, and all of my payments are going toward SOME of the interest. I am making no progress on my principal. To make matters more complicated, my subsidized and unsubsidized loans are grouped, and they always allocate my payment to the subsidized loan first, so even if I wanted to work on my unsubsidized loan to keep my principal from going up, I would have to physically call one business day after my payment to tell them to put the extra money toward that loan. And I always forget. They will not let me ungroup those XXXX loans because they were disbursed on the same date. If I want to know how much interest I have accrued so that I know how much to pay to keep my head above water, I have to select each loan individually, then add everything up, then call them to make sure it 's going where I want it to go. It 's all very confusing and could be solved by assigning me the appropriate repayment amount in the first place when they process my IBR. I 've never had to deal with this before, and I do n't know what has changed. It seems overly complicated and full of traps that will not lead to my success in paying off these loans. 

3. I had a XXXX loan that was transferred to Navient in XXXX, and though I applied for IBR for that loan with XXXX, the application did n't carry over and I am paying the full amount. Though Navient has offered me the chance to reapply for an IBR for this loan, I am worried that the amount they will assign me will be detrimental to me paying the loan off, givien my situation described above. This has caused me to fall even further behind on the other loans above, adding to that problem. Again, way too complicated.
On XX/XX/XXXX I retired from my XXXX job after 26 years due to medical problems ( extreme stress at work ). I got behind in my mortgage payments and tried to catch up, to no avail. Last month ( XX/XX/XXXX ) my mortgage company sent me a letter saying that if I did n't catch up on my payments, they would foreclose on my house. I tried to work with the with XXXX on a loan modification but it was denied. At the recommendation of my mortgage company, I filed an appeal which was denied this past week. Before it was even denied I received one of those packets with pictures of my house and surrounding properties and sale prices of houses like it from the company. In my opinion, my mortgage company never planned on approving my modification or appeal.
On  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
I am complaining about XXXX accounts that I have with Wells Fargo. They have them listed as a charge off. I do not have the last XXXX numbers due to the age of the loans. The first is XXXX and the second is XXXX. I have tried for years to pay on these accounts and each time I try I am told that these accounts are sold and they supply me with the name of the buyer and the phone number. I call the number and they say that these accounts have been closed and to call Wells to ask any questions. Nobody will let me pay on them and nobody will let me settle on them. They just keep calling me late month after month. I have tried for years to pay or settle and nobody will let me. I recently wrote another dispute and attached is the response. I am not disputing the amounts even though there was clearly charges that should not have been on the accounts. I am disputing that these accounts should not be called late when they are closed. I am disputing these accounts that they are calling them late and will not let me pay on them. I am disputing these accounts because they say they are a charge off and still calling me late. I have disputed with them many times in the past. I never get a reason and they only say that the info is accurate. No it IS NOT!!!!! It is a crime to call someone late when the account is closed. It is a crime to report someone late when you do not accept a payment. I also want to make a formal complaint. I have been told by an employee that is in management at Wells Fargo, that Wells has reached out to all the local banks in XXXX and told them not to lend to me. If I do stop in a bank for money that Wells is to be contacted. I have this from an iron clad source and I want action now. Black balling is against the law and if this is not corrected, I will file suit and sue for as much money as humanely possible. This bank has mad a personal vendetta to black ball me and hurt mine and my wifes name and I am done tolerating it.
I purchased a XXXX Chevy HHR XX/XX/2013 from Drivetime for XXXX-XXXX. I ca n't remember the exact price because I do n't have the paperwork with me but it was in that range and I do have the paperwork. At the time I did not realize that this price was way too much for this vehicle. I admit I did not do my research. Be that as it may, some how I find myself 3 years and 4 months into a 6 year loan and I still owe over XXXX dollars on this car. This car in excellent condition for trade is only valued at $ XXXX- {$4300.00}. How is this fair? I 'm in the military and my family has grown since the purchase of this car and we really need to be able to trade or sell this vehicle for a larger one but we are upside down and trapped so it is hopeless and impossible. I 've have talked to several dealerships, private sellers and auctioneers, and even drivetime themselves to see if anyone can do anything for me and all of them have said it 's not possible with what you owe on the vehicle. I even tried to see if drivetime would allow me to trade to them for a larger vehicle and just roll the remaining balance into the new loan and they said I just owe too much. Which is crazy cause I owe exactly what they told me to pay for the vehicle. I 'm just lost and at my wit 's end and hope you can help me remedy this situation. I 'm not looking for anything extravagant or any extras I just want to be treated fairly so that me and my family can have the proper sized vehicle.
Per FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Complaint Equifax has reinserted the following Accounts and Tradelines onto my credit file without the proper notification. 
XXXX County Case # XXXX, XXXX County Case # XXXX, XXXX XXXX Account # XXXX, XXXX # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX US Bankruptcy Case # XXXX, US Bankruptcy Case # XXXX, XXXX XXXX XXXX Account # XXXX I spoke with a female representative on XXXX XXXX, 2016 at approximately XXXX for over XXXX minutes, at which time I was transferred to the Special Handling department. I advised the representative that many accounts had been removed or deleted from my file to which she said that they were re verified, I proceeded to ask her how that took place and she replied that the tax liens were verified through the courts. I asked her who they speak with and she just repeated " the courts '' I asked for the number and I called the courts directly and spoke to an court clerk and she advised there was no way to prove that someone Equifax had called to verify my alleged accounts. I have spoken to both XXXX County NC Clerk of Court and US Federal Bankruptcy Courts and they both advised there is no record keeping system or verification pertaining to credit investigations from Credit Bureaus. I have yet to receive a definitive answer from either court. So I question the validity and verification process from Equifax. 
I was never given the proper notice on the aforementioned accounts there for my Equifax has denied my right for due process afforded to me under the law. I am demanding that Equifax remove these accounts and tradlelines from my credit file. These injurious actions have lowered my credit scores and there by jeopardizing my ability to secure a mortgage or loan with beneficial interest rates and terms.
I closed a Citibank account and made sure there was no out- standing balance. But Citi did n't take enough to clear a late payment penalty, which should not have been charged, and then in the following month it charged a late fee on the late fee -- in other words, a XXXX % in XXXX month penalty for a phantom bill.
This complaint is in regards to a tradeline being reported on my TransUnion credit report as XXXX XXXX. Per the Florida Attorney Generals Office, this loan is in violation of the The Florida Consumer Finance Act, which prohibits a lender, regardless of their location to offer loan products to residents of Florida without holding a state issued license to do so. According to the Florida Office of Financial Regulation 's Division of Consumer Finance, XXXX XXXX does not hold the required legal license to provide loans in the state thereby making this tradeline invalid by law. Continued reporting of an invalid account is a direct violation of the Fair Credit Reporting Act. I have disputed this tradeline repeatedly with Transunion only for them to send an e-validation to the lender to confirm my name and address, never investigating the validity of the alleged loan with the appropriate agencies as I have outlined above. This invalid tradeline is being reported illegally by an unlicensed lender and Transunion continues to refuse to effectively investigate this fact, willfully disregarding FCRA requirements. I am again requesting CFPB assistance in enforcing federal law and having this illegal tradeline removed from my TransUnion credit report. XXXX XXXX is an online Tribal lender who is not licensed to provide loans in FL. They are illegally reporting this invalid account in an attempt to extort payment from me and TransUnion refuses to perform a simple validation with the appropriate agencies that would confirm this fact. I demand that TransUnion either permanently remove this item from my credit report, or provide evidence that they have validated this lender 's legal ability to enforce this alleged account and it 's reporting.
Discover Credit Card : My credit line was declined. 
My automatic payment was removed. 
I was charged a late fee. 
The bank will not return the late fee. {$25.00}, this is the fist time I would be late. I am not sure why they will not return the late fee.
I spoke to a rep in the special handling department and I informed her that it was  XXXX  different social security numbers reporting on my credit report which are not mine. She informed that those socials was tied into  XXXX  accounts which is not mine! I 've sent experian faxes to prove my identity and they still wo n't remove those accounts from my credit report.
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX
I have sent this company multiple communications regarding an account that was opened in my family fraudulently. As of today they still have not resolved the issue and everything I call I get the run around
I made my regular payment on XXXX/XXXX/2016 of {$50.00} and Bank of America went in again the next day without my permission and drafted another payment without my permission of another {$800.00} plus over draft charges of {$27.00} per day therefore to date this amount is {$160.00} plus another {$27.00} each business day until they reimburse my checking account at XXXX XXXX XXXX XXXX XXXX!
I was sent a letter stating I owed a debt to a company named XXXX XXXX XXXX on or about XX/XX/2019. On or about XX/XX/2019 I responded asking Midwest Fidelity Services to verify the debt as I did not believe I owed any company named XXXX XXXX XXXX. On or about XX/XX/2019 I received correspondence back with a print out of a non-signed contract with my name typed in the signature line. On or about XX/XX/2019 I responded back to Midwest Fidelity stating that what they provided does not prove the debt exists, is valid, or was taken out by me. That again, my name was typed in the signature line, not signed, that the company XXXX XXXX XXXX lists a XXXX XXXX XXXX address and is not licensed to make loans in Tennessee, and that the amount of the loan had an APR of 434 % which is illegal under Tennessee law. I asked that the company remove any negative listings on my credit report but I logged in to check my credit report and they are listed. I checked the Tennessee database if Midwest Fidelity Services is licenses to collect debt in Tennessee and the website lists their application as pending. As such, they are trying to collect I do not owe, they can not provide any signed contract, and the loan that was allegedly made was done so by a foreign company in the XXXX XXXX XXXX who is not licensed to make loans in Tennessee and charging an illegal interest rate. It is also questionable that the company is trying to collect a debt in a state where their application is pending so they are not yet fully licensed to be engaging in this practice in Tennessee.
I obtained a balance transfer to this Discover card with 0 % interest. Subsequently, I made some purchases at the regular purchase rate of 15.74 % in the amount of {$520.00}. In XX/XX/2017, I noticed that the " balance subject to interest '' was now at {$610.00}. I paid {$620.00} that month believing that I would only have the balance without interest remaining. However on the next statement the balance subject to interest was standing at {$430.00}. At this point I called customer service at Discover to find out how much I needed to pay to avoid paying any further interest fees and was told they had no way of knowing. The customer service representative said to call back next month ( after another month of accruing interest ) to find out how much I would need to pay to eliminate the balance subject to interest. 
I feel this " balance subject to interest '' on the statement is deceptive and that there should be an easy way for consumers to determine how much is needed to eliminate that amount.
Santander Consumer USA is practicing unfair   auto loans, interest is added to your loan daily which is NOT on your loan contract. Santander als o cons their customers into making their payment turn out to be late despite being made on time by taking extra long during their processing. All  XXXX  of my car payment have all been applied towards interest only. My auto loan has decreased a total of {$50.00} in 3 years! Please help do something about this company! I am begging! I have paid almost {$14000.00} on this loan and I am currently {$12000. 00} upside  down! I am unable to trade in the car to get a new car now that my credit is great. Please help me get this rectified so that my principal balance is lowered and I am able to get out of this horrible situation!
I bought car financed by Quality acceptance have been making payments on car since XXXX 2016 received a call from XXXX from Quality telling me I was up 3 months behind in my payments and I needed to pay almost {$1000.00} to her immediately or they would be possessed the car. I have verification that I 've been paying the car note each month which I will send to your company and I 'd like for you to investigate my complaint
Our Bank of America XXXX mortgage was included in our Chapter XXXX Bankruptcy XXXX, XXXX. We completed the payment plan and the bankruptcy was discharged XXXX XXXX. After the bankruptcy was discharged, Bank of America starts reporting our account as 180 days delinquent and over {$10000.00} past due. I sent documentation to their XXXX XXXX location on XXXX XXXX, XXXX, revealing the papers and discharge. So they remove the {$10000.00} past due and show a XXXX balance on the account, but failed to removed the delinquencies that popped up ( XXXX and XXXX, XXXX, 120 days past due ) and then XXXX XXXX. We are trying to refinance our mortgage under Harp before the program expires in XXXX. You can not lawfully report delinquencies on an account when the trustee is making the payments and there was no breech to the contract. Please help
XXXX XXXX, XXXX - report to Experian that my identity has been stolen ( stolen XXXX/XXXX/XXXX ) and used to open three fraudulent accounts ; XXXX XXXX XXXX, XXXX XXXX, XXXX I opened a dispute to have these removed as well as all hard credit inquiries of which there were eight. 
I reported to my local police, I was advised I had a Security Fraud Alert on my account for 90 days, it could be extended to 7 years once I submitted the police report. This would carry me until XXXX/XXXX/XXXX with the fraud alert. 
On XXXX XXXX, XXXX, Experian allowed another hard credit inquiry from XXXX XXXX, unauthorized and fraudulent once again. I received numerous ( urgent ) calls at my place of employment from XXXX XXXX trying to verify my intent to open an account. 
I have been on hold with Experian for 52 minutes, because I am not allowed to open a dispute online, I must navigate their web of confusion. 
Oddly, an account can be opened online, with no proof of who you are, however I 'm not allowed to dispute a fraudulent account online. 
Experian has failed and I 'm not able to get through to them because their lines are super busy because - well, there has been a breach with another credit reporting agency XXXX, perfect definition of irony. 
What really needs to happen seems so simple - allow consumers to open lines of credit when they are fully able to provide proof of who they are, with picture ID, in person. Something perhaps like what is required to prove you can work in the USA, complete an XXXX and provide originals of the documents required.
Citimortgage is being unfair in evaluating us on a loan modification. They are making it very difficult for us to keep our home and suggesting that we do a short sale when that is not what we wish to do. We were offered a loan modification back in XXXX of XXXX. We were told by XXXX that we may qualify for some government programs that was put into place by President Obama. When the paper work was submitted by XXXX it was declined and we could not understand this decision since we were offered a modification through Citimortgage back in XXXX. We have been passed around to three different representatives since our process began back in XXXX XXXX and each representative does not fully read our entire case file. I believe this leads to poor judgements and decisions on our behalf. 
I have attached a file with extensive details and facts.
I was paying my debt on time but paying extra. I wanted the extra to go toward the principle. Anyway they did that and that changed my next do date without me knowing. Then the calls started XXXX at night and after speaking to someone they called XXXX that morning. After paying XXXX the next morning.
I received my bank of America monthly statement. I used to be a bank of America employee. I never use this account and the closest banking center is 45 miles from my home. Bank of America never notified me of any changes that would take place to my account and now I am being charged with a XXXX service fee. My balance was {$5.00} It was opened in XXXX of 2016. I  never received a fee prior to this. I called the customer service line and told them to close the account and waive the fee. After 30 minutes on the phone I was transferred to the collections department who informed me I will continue to accrue a XXXX a month fee and they are unable to close my account until I pay the negative balance of XXXX. She also stated I will receive another XXXX fee on my next billing cycle. I have no transaction history on this account. had they notified me that I would accrue a monthly charge I would have closed it earlier. I received no correspondence from Bank of America.
I have been receiving calls from several different numbers stating that I am " a person of interest '' and must file a statement within 48 hours or the case will be forwarded for further legal action. 
The first time I actual spoke with a person, I was asked to verify my SS and I refused. I told them to stop calling me and that if this involved a debt they needed to contact my attorney who works with XXXX XXXX XXXX. ( I work in the XXXX ), I gave them all the contact information to reach XXXX XXXX XXXX, XXXX, which they have not done. 
They continued to call me and leave automated messages on my phone. 
When I call them back after a few weeks, I had to verify the last XXXX of my SS. Then the man ( XXXX XXXX ) said I took out a payday loan in XXXX 2013 from XXXX XXXX, and still owe {$480.00} on it, how do I plan to take care of this debt. I said I never had this loan and have never heard of XXXX XXXX. I told him he would have to talk to my attorney, and that once I got validation of the original loan I would have my attorney call him. He claims to be with Concord Resolution and his numbers are XXXX and XXXX.