WillisBack/dataset-financial-user-claim huggingface dataset:
This is my first year of repayment on student loans from XXXX   school. I applied and qualified for the REPAYE program, and have been paying monthly via Auto Pay sinceXX/XX/XXXX.

While preparing to file my XX/XX/XXXXtaxes on XX/XX/XXXX, I searched for my student loan interest tax document on Navient.com. When I was logged on to the Navient site, I found a message dated XX/XX/XXXX : " XX/XX/XXXX Your Navient Account Information It's time to renew your REPAYE Plan! '' I checked my email correspondence, and I had received no emails from Navient that referenced REPAYE renewal/recertification in any way. Since I am enrolled in Auto Pay for two separate Navient payments, I receive between 6-10 emails from Navient every month. All of the other emails I've received contain some reference to their subject : " Auto Pay Payment Reminder, '' " Here 's your monthly statement, '' and even " IMPORTANT TAX RETURN DOCUMENT AVAILABLE, '' but the emails which Navient claims were supposed to alert me to the REPAYE renewal deadline contain absolutely NO reference to the renewal or any urgent action necessary.

In fact, every month I receive multiple messages with the subject " Navient Account Information '' that simply confirm my automatic payments. It seems ridiculous that a message with that same subject would contain a link to the vital and urgent information about recertifying my REPAYE application. It is absurd that these particular emails would contain no relevant information about their purpose, and yet Navient uses all caps to alert me that there is " IMPORTANT TAX RETURN DOCUMENT AVAILABLE. '' I called Navient on XX/XX/XXXX, and was told I had been kicked out of the REPAYE plan for not submitting the recertification documents in time and would have to reapply, and was pushed to accept a forebearance in the meantime since I can not afford to make payments at the " alternative repayment '' rate of {$1800.00} beginning onXX/XX/XXXX. My monthly payment while on REPAYE was {$320.00}.

I am currently attempting to recertify and appeal the actions taken by Navient. Their unethical communication practices have already taken a toll on my finances and on my mental health. Again, this is my first full year of repayment on these loans and the first time I was supposed to recertify for the REPAYE program.
As of XX/XX/2018 I Notice a collection item on my credit report with company XXXX XXXX XXXX , XXXX  As I did a research on the internet I came up with address XXXX XXXX XXXX XXXX XXXX, MN XXXX. Of an item with XXXX XXXX, In the amount of {$2600.00} I disputed the item with all 3 Credit Report Bureau XXXX, XXXX, XXXX  in XX/XX/2018 and came back as verified and certified with XXXX XXXX XXXX. Please be advise that this item doesn't belong to me.
I have been a Bank of America for a few years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost BOM has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option. Surely there should be a grandfather option. Nothing was advised when opening this account that BOM would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business. I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to medical appointment. Constant automated message about call volume.I request BOM extend a waiver for a year that was offered to others in this situation by the XXXX Customer Care Resolution so that I have time to see what other options become available. I am a Senior with medical issues and limited income. 

Name on Account ( s ) : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : # XXXX Accounts : Checking, Savings Email : XXXXXXXXXXXX or XXXXXXXXXXXX
I purchased a vehicle in XXXX of 2015 at XXXX. I was told by the dealership that I was the buyer and XXXX XXXX was the co.buyer. I was recently made aware that my name is n't on the vehicles title or registration. I have made payments on this vehicle for more than one year and I am unable to drive the vehicle because I am not the registered owner. Wells fargo Dealer Services has reported this loan on my credit report but I am not the lawful owner of this vehicle. I am unable to locate XXXX XXXX who is the listed owner of this vehicle. I can not continue to make payments on a vehicle that I am not the owner of. Wells Fargo Dealer Services received the funding package from XXXX and did n't secure my interest in said vehicle.
I am a victim of ongoing identity theft on or about XX/XX/XXXX someone opened a Sam 's Club XXXX Credit using my personal information as the personal credit guarantor. I recently discovered this when I checked my personal credit report and discovered that a Sams Club XXXX account was opened and charged off. 
The name of the creditor is Synchrony Bank. I written Synchrony Bank about this issue XX/XX/XXXX I have n't received any written response from the bank.
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX J XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
This is not mine, I called XXXX and notified them. I never lived at the address the account was opened. I 'm sure it was one of my sons but this debt is NOT mine
I requested a verification from Fair Collections & Outsourcing after noticing a collection notice on my report. Now they have listed the debt as late payment on my credit report. This is a communication tactic they are using to get me to admit and settle this debt.
On XX/XX/2016 I contacted Experian to re-investigate XXXX Bankruptcy entires on my credit report, 2 days later I received the results in the mail, not only is Experian still reporting wrong information. They re-inserted a Public record that was deleted XX/XX/XXXX. This proves to me that Experian is being very unprofessional and vindictive when they are caught reporting wrong information from unreliable sources. please investigate.
I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
I want to file a formal complaint against XXXX XXXX of Wells Fargo. She pulled my credit with out my permission, denied me a loan based on credit when I was told she could get me a refinance loan WITHOUT pulling my credit and continues to send me boat loads of emails and documents to this day even though I was denied a loan after my credit was pulled without my permission. 

How do I file this complaint and seek legal representation for unjustice.
on XXXX, i used my Direct Express Debit card ( US TREASURY SSA PMTS ) to withdraw {$400.00} which incurred a {$12.00} international transfer fee, as well as a {$3.00} ATM fee. the first attempt errored, and no cash was dispensed. we talked to the bank, who admitted the machine had a problem, and just to try it again. we did, and successfully got the money. where the problem was, came from the fact that the first attempt did a pre-authorization, costing us a double debit against the card. 

we contacted the bank again, and got the printout proving that their system at XXXX " XXXX '' had indeed credited back the account within 2 hours of the error. ( ATTACHED ) We called into the call center for resolution as this still had n't credited back by the XX/XX/XXXX ( ruined our XXXX, as the money was for the gifts ) they said it usually took 30-45 days. but they would investigate. 

on XXXX XXXX we received a " credit back '' and we therefore felt this had resolved. 

on XXXX XXXX, we suddenly lost {$400.00}, with fees of {$3.00}, and {$12.00} respectively. When i called customer service, to find out what happened, i was informed this was done by the level 2 resolution center. and after explaining to the person that they needed to stay attached to the call until the system properly transferred, or the system would drop me, the agent ( XXXX ) became argumentative, and hung up ( this happens a lot, look them up in the BBB in Texas, they have an F rating ) i then called back in and finally made it to level 2, where i learned the payment on XXXX XXXX was a " temporary " credit, and it had been pulled back. they said they sent a letter, but no documentation ever showed either on the filing XX/XX/XXXX or the " credit '' issued XXXX XXXX, XXXX they still have not resolved the original error from XXXX XXXX. 

when i explained all this to the level 2, he became argumentative, so i asked for a supervisor, who became threatening. they would do nothing, so i asked for a phone number for corporate, which was refused, they only offered a fax number, and when i asked for the name to adress it to, such as their CEO, or Lawyer, i was told they ca n't give that information out due to requirements of the SSA, all i want is my money back that is due, but it seems clear they intend not to deal with it. 

today is the XXXX of XXXX, almost 3 months since the error documented in their own records.
I have completed the offer described on this website : XXXX XXXX   XXXX XXXX   XXXX When I called Capital One, they claimed that I didn't qualify because the {$50000.00} deposit was " not all at once ''. After I said that this was not in the promotion language, I was told I didn't qualify anyway. 

I asked to be transferred to a manager, who proceeded to bully me into accepting {$100.00}. I made it clear that I'll accept the {$100.00} as a gesture of goodwill, but that I need the remaining {$400.00}, and I will be filing a complaint to that effect.
I had a checking account with US Bank that I requested to be closed in XXXX. It was never done and they continued to charge me fees. Then they forced the account closed in XXXX with an outstanding balance for XXXX. I have been making payments to the collection agency on that balance since as I was unable to get US Bank to waive any of those fees. There is a payment plan in place. The account is closed and I 'm paying fees for them forcing the account closed. Then in XXXX there was a refund issued to that closed account of XXXX ( not sure where the refund came from ), US Bank then reopened my account for the XXXX and sent me a deposit statement. Then US Bank charged me XXXX for that paper statement, making the account negative. SO they reopened the account that was closed and charged me to close the account in the first place, XXXX in fees, which I have been paying. Then charged me XXXX to send me a paper statement, on a closed account that I 'm paying the collection agency for. I have written them several letters regarding this and they continue to send me a statement each month showing a negative balance. I closed this account, they never closed on their end and say they do n't see my request. Then charged NSF fees, monthly service fees and eventually closed the account, charging fees for that too. When I finally received the letter that the account was closed back in XXXX 2016 ( 5 months after I asked them to close the account ) they said I owed XXXX in fees. I set up a payment arrangement with the collection agency and have been paying. I wrote them many times over several months disputing the charges and the account balance, to no avail. So now months later they took it upon themselves to reopen this account and again start charging me fees.
I was making my student loan payments on time. My Father passed in XX/XX/XXXX. I notified Navient that my Father passed. I was in good standing with Navient. Upon hearing of my Father 's passing from me. Navient transferred my loan to a Collection Agency called XXXX. I made another call to Navient, asking them why my loan was transferred to XXXX. The Navient Representatives ( I talked to several CSR 's ) did not know why my loan was transferred, when they could see I made my payments, and said they can see in my account that my payments were on time. I called XXXX, and they said, I have no rights to talk to them about the Private Student Loan. And would not discuss the Private Student Loan with me. They sent a demand to the Estate Lawyer that they are collecting from my Father 's Estate. 
NAVIENT has been reporting to the credit agencies that I am late, They have now reported that I am in default.. I have been handed over to XXXX for full collection of the loan. During this past year, I have contacted Navient, and they would only say, that they would fix my credit when I showed them proof. I emailed them that proof on XX/XX/XXXX. They transferred my account to XXXX, which is collections in Navient as I understand it. In addition, Navient has transferred my loan to a company called XXXX. They are demanding {$12000.00}. This is more than was owed on the loan to begin with. 

With an open Estate the Courts rules " the personal representative should not pay any claims until after the time for filing claims has expired '' Furthermore, a " Notice of Rejection '' was sent to XXXX 's and they did not respond to the notice by the date specified in the notice to creditors, and according to Estate Court rules, Navient is forever barred from collecting the debt. ( G.S. 28A-19-3 )
I received a letter of collection from XXXX XXXX regarding a doctor billing from XX/XX/XXXX from XXXX XXXX XXXX in Washington State. This bill was never billed to my insurance and I had a conversation with this collection agency on XX/XX/XXXX regarding this amount and it was never billed to insurance. They indicated they would send it back to XXXX and not to worry about it. I received another notice with the same bill and now they are adding interest. I DO NOT OWE THIS BILL - IT IS XXXX XXXX XXXX ISSUE THAT THEY DID NOT SUBMITT THIS TO INSURANCE
I have an open case against Citibank re : a XXXX closed account. Seems Citi has been increasing the total balance due, and refuses like most banks to give the balance once the agreed monthly payment has been deducted. In addition in XXXX XXXX they claim I was XXXX ( now more ) days past due since XXXX XXXX. My original opened CFPB case number is XXXX. Also case XXXX is Cit 's response that they have to do a 60 day review. 

Since ( in the US as well as the world ) Citi has been caught in malfeasant activities as in my case not properly applying my {$70.00} ACH and increasing the balance owed, I will temporarily put a stop on my monthly ACH payments. Once the matter has been resolved I want to settle.It 's only fair! 

As in my now closed case against Citi # XXXX, losing payments, alleging they applied to this closed credit card account ( when the account numbers were written on the checks/money orders ) and calling me a " liar '', they are again exhibiting the same behavior. I will call the Citi XXXX on Monday XXXX.
Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines
We are trying to get help from USBank by modification of our loan. We have been asking for help and we have been sending in a lot of paperwork that they asked for, but all the do is pick it a part. We have been trying for over three months to get them the paperwork they want, but there is always something wrong. They wanted XXXX pay check stubs which we gave them and then they say, how do we know that there was a pay check under the pay check stub. Sent them bank statements right from our bank and it 's never what they want. The agent at our bank said that she does n't know what else to send them. It 's been three months now and we have given up, they won, all we can do now is walk away and give them our home. We have never missed any house payments anywhere in 45 years, but they wo n't work with us and they keep playing these games. It does n't make any sense to continue to make mortgage payments, it would be just a waste of our money. I am XXXX years old and never had these problem before.
Incurred debt to Identity. Contacted National Credit Systems. Person handling account was rude. Spoke with Supervisor she assured she would send me a Fraud Packet I never received it. Due to me needing to move paid the account on XXXX/XXXX/2015 and XXXX/XXXX/2015 and yet they fail to update my credit report. 

Even after a recent dispute in XX/XX/XXXX they are reporting it to XXXX for Residents, XXXX, XXXX and XXXX. I will be contatcting the property as well in regards to this matter.
I have disputed this account with company SEVERAL Times. This same account was removed from my credit reports on XX/XX/XXXX and XX/XX/XXXX. This company has yet again put this inaccurate and unverified account back on my credit report When I called the customer service rep was very nasty and rude and also told me the account was not coming up under my social security number. This collection agency needs to be banned from doing business because their tactics are illegal.
This account should be removed from my credit profile of all three bureaus because the creditor has failed to provide documentation of the debt as well as their right to collect for the third party. I have never heard of the third party company which this creditor is collecting for.
After I submitted complaint # 1 about Wells Fargo 's handling of our student loan, here 's what I have as of XX/XX/XXXX : - Despite the fact I was a customer in good standing from XX/XX/XXXX to XX/XX/XXXX, in XX/XX/XXXX our account went into defaults because suddenly two of three accounts were n't called out by number on my payment. Never a problem before XX/XX/XXXX, a problem now yet no notification that something had changed or shifted - Despite the fact I 've been paying {$500.00} every two weeks against the loan set since XX/XX/XXXX, since XX/XX/XXXX I 've had to pay @ {$700.00} extra to make up for the " default '' account and apparently still " owe '' {$320.00} - over an additional {$1000.00} out of pocket and a hit on my credit report, thank you Wells Fargo for the awesome refund of {$37.00} on so-called late fees - In their written response, Wells Fargo clearly states : " we are unable to send cosigners monthly billing statements. '' If cosigners are held to the same level of responsibility as primary account holders, we should legally have the same rights.
I see that there are XXXX hard inquiries on my credit that took place on XXXX XXXX, 2015. XXXX is from XXXX and the other is from XXXX XXXX. To the best of my knowledge, I did not apply for any credit nor do I have any reason why there would be such inquiries on my account. Can you please find out why these XXXX companies were checking my credit please? 

Thank you, XXXX XXXX
In XXXX 2012 my son opened a credit card with Discover, it was a student card. The card had a {$1500.00} limit, that summer he went to Florida and proceeded to charge an additional {$700.00} over his limit ( Discover allowed him to do this ). I am not even sure they checked his employment to be sure he could afford to pay off that kind of debt. When it came time to make payments on the card I had to get involved to help assist him with this debt, I had called Discover on his behalf and they needed approval from him for me to speak on his behalf he said that was ok. Meanwhile Discover added me on to the account as an authorized user, the way I found this out was the other day I was checking my XXXX account and they said out of XXXX payment XXXX were on time the XXXX that were late were Discover card payments. I do not have a Discover card in my name, I reached out to XXXX and XXXX, XXXX said they would dispute it for me, I could not get a hold of XXXX XXXX. I am asking for assistance to have Discover remove me off of my son 's account that I never approved them to do and to remover the XXXX late payments off of my credit report. Thank you.
Portfolio Recovery Associates is a debt collector. They are calling me and family members stating they are a compliance officer with XXXX County and state they have legal action against me. 

This is the information they leave with family : ( XXXX ) XXXX XXXX # XXXX
On XXXX XXXX, 2017 XXXX XXXX SUBMITTED A HARD INQUIRY ON MY CREDIT.
On XXXX XXXX 2014, a car dealership ran my credit XXXX times in 1 day by mistake. They thought my dad was me and kept running my credit trying to get my father a loan. so I never tried to get any loans so my credit should n't have been ran XXXX times. so all XXXX credit inquires on XXXX/XXXX/14 are not mine and should not be on my credit report
I have tried to resolve this issue through cfpb on four previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but Credit Information Systems has yet to remove them.