WillisBack/dataset-financial-user-claim huggingface dataset:
My loan is from XXXX and was originally from XXXX XXXX. It was bought by Navient after I had been paying on it. They have been unable to tell me where the payments went that I paid prior to them buying it. I was charged the full amount again by Navient after they bought it. I made payments to Navient, and then went back to school in XXXX. I spoke with the school and Navient and was told that I would not need to pay while I was attending school. My credit was affected and reported as late, I had to submit a dispute with the credit bureu. I have faithfully made payments to Navient since XXXX. Paying more than the minimum amount, and paying early. The balance is always the same and never goes down. I have requested numerous times that I get a print out, and that something is not right. They have yet to send me the accounting print out, and then on my credit it now shows that the balance is increasing. They can not answer where the money is going, or where the money is for my account. I know that the balance that I am still showing owe is not right. When I log into my account it always shows that repayment is to begin the following month. They don't have an answer for that either.
I submitted to XXXX XXXX ( 1 ) Police Report ( 2 ) Copy of FTC Identify Theft Report but is failing to agree to delete the account and remove from all 3 credit bureaus
My name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX. My son is also XXXX XXXX XXXX he is XXXX XXXX XXXX and we both live at XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX, my son went to XXXX medical services. They have charged my credit report for failure to pay this bill. I am a member of XXXX XXXX XXXX since XXXX and I have had medical coverage the whole time. When I called the Gold Key Credit Inc of XXXX XXXX. XXXX to explain they made a mistake, they told me I had to get my son to pay! I am estranged from my son. My Cell XXXX and email is XXXXXXXXXXXX. Thank you for your attention to this matterXXXX
An automatic charge was made to my Capital One account and the card company did not provide me any notice of the charge. I subsequently accrued late fees, which affected my credit charge. I paid off the late fees, even though I disputed them, but they will not release the rewards that I am owed.
After careful review on my behave of the consecutive timeline period provided by "XXXX XXXX XXXX" correspondence and all paperwork necessary in resolving this case; as stated in the attached letter "ChexSystems Request for Investigation" that was initiated by you (******.) and disputed for investigation by me on XX/XX/XXXX; ..it was written by your letter that if ChexSystems does not receive a response to this investigation requested by XX/XX/XXXX this "disputed item" shall be removed from the "ChexSystems" files. ChexSystems and myself were notified of the outcome on XX/XX/XXXX--that is more than 1 month and 12 days that passed over as directed by the Federal Fair Credit Reporting Act!
In XX/XX/2017, I applied for a loan modification with XXXX which was my lender, all required documentations was submitted, as well as the trial payment that they required were sent and collected by them, on XX/XX/2017 I received a phone call from XXXX saying " Congratulations! we have received the trial payments and all documentations is already completed, you should be receiving the modification agreement next week, do not sent any mortgage payments until you receive the modification agreement reflecting your new mortgage payment, you need to sign them and send them back '' ; at the same time of all this process I received a letter from XXXX saying that my loan was sold to a new lender Select Portfolio Services, and they will honored any previous modification agreement already approved. 
Until now I have n't received my modification agreement, I have been calling back and forward to both companies XXXX and SPS, and they just keep saying that I need to keep waiting. 
It is taking to long and I am calling every week with the same answer. I do not want to lose my house and I can afford the high payment. Please help.
Continuously calling my employer. I 'm not allowed personal phone calls and they call during work hours and after work hours.
I applied for home modification back in XX/XX/XXXX and was approved for XXXX years and after XXXX years Bank of America sent me a letter stating the modification was denied due to lack of the co-borrowers signature. I have applied several times since then. This last submit of a modification it was sent to a upper level because it had been over XXXX days for a response. XX/XX/XXXX, a different case manager called and stated the case manager told me the wrong thing and I had to reapply again. This has been going on since XX/XX/XXXX and I 'm exhausted and look like I will lose my home because Bank of America does n't communicate with each other. Loan # XXXX ... Please help I 'm trying so hard not to lose my home and I 've worked very hard to believe in the mortgage system and the judicial system. Thanks in advance.
I 've been paying off my Citibank student loan on time through an automatic transfer from my bank account for the last 4 years with the same rate. Recently, I received a call from a debt collector so I investigated what was going on in my account. Turns out, my interest rate increase from 7.25 % to 7.5 % in XXXX 2016. Because of this increase my bank did n't transfer the proper minimum amount which led to a small fee adding up over time and the debt collector call 5 months later. I went ahead and paid the balance but continue to receive calls from the debt collectors 5x or more per day. The only notice of this increase was hidden in my electronic statement the month of the increase. There was no warning and since I receive electronic statements that you have to login to review this was too easy to miss. I emailed Citibank about this issue and received this strange reply : " Interest rates for our private student loans are variable based on the 3-Month Prime Rate index as published in the Money Rates section of The XXXX XXXX XXXX, rounded up to the nearest one-eight percent plus a margin. The margin does not change ; only the Prime Rate is variable. Variable interest rates are adjusted quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX based on the published 3-Month Prime Rate index 30 days prior to those dates. 

Private Loan interest rates have increased by .25 % for XX/XX/2016, effective XXXX XXXX, 2016? XXXX XXXX, 2016. The Prime Rate published in The XXXX XXXX XXXX on the reset date changed to 3.50 %. This is why your payment increased. The notice was on your statement. 

Your payment due on XXXX/XXXX/2016 has not been received. 

Please be aware that your account is past due. Collection activity will continue until this account is brought current by either making the payments due or through an approved deferment or forbearance. Remember, making your student loan payments on time may help you build and maintain a good credit history. '' I feel like I 'm being taken advantage of and need help. Thank you for looking into this!
The 2015 XXXX XXXX truck under purchase from a XXXX, Texas dealership was returnedvoluntarily after contract for vehicle signatures were found to be forged to XXXX XXXX dealership financial group. Deal was extremely padded without my consent or authorization. Legal and binding signatures for myself and co-buyer were submitted tothe Office of Texas Attorney General for legitimate verification of my true and personal signature along with co-buyer. Harassing mail and phone calls for remaining after sale oftruck have come from NCB Management Services of XXXX, PA. They have become extremely belligerent in nature and disturbing. I am requesting immediate halt to their attempt to collect on a forged contract for vehicle purchase.
I noticed in XXXX that my score was raised by at least XXXX points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
My credit report is showing a " hard '' inquiry from XXXX XXXX on XX/XX/2018, that I did not authorize. I don't have any services with XXXX.
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as cash advance loans and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.
I have a credit card account with XXXX XXXX XXXX XXXX. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( United Recovery Systems-URS ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH XXXX ( XXXX XXXX ) and URS. Despite my attempts to make payment, XXXX wo n't take a payment and refers me to URS. Furthermore, URS indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is XXXX XXXX billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is XXXX XXXX still billing me? Why is URS indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). URS has also advised that interest and late charges can still accrue, which suggests that XXXX XXXX has not passed they debt. Please help.
We purchased a home in XXXX XXXX with a conventional mortgage through XXXX XXXX. It was transferred to XXXX shortly after its inception. We received a notice in XXXX XXXX that the loan would be serviced by SLS. We did not set up an impound account for property taxes when we purchased our home. 
Because of that, we paid our property taxes prior to their XXXX XXXX due date in the amount of {$2500.00}. In XXXX XXXX, we received a check from our local tax collector/treasurer for an overpayment in the amount of {$2500.00}. After a telephone call to the county treasurers office, I suspected that SLS had mistakenly thought that we have an impound account. I promptly returned the check to the treasurer/tax collector with a letter stating that we do not have an impound account -- never have, never will. I also sent SLS an email alerting them of their error. 
Fast forward to XXXX XXXX, when SLS sent me a bill with a notation that I have a delinquent tax advance charge of {$2500.00} that is due by XXXX XXXX, XXXX. Please help. I do not want to pay for taxes that I have already paid. Please note that our local taxes are due in XXXX installments of {$2500.00}. I have paid XXXX installments.
I have 2 XXXX XXXX accounts. I paid the balances down to {$0.00} on both accounts on the same day but 1 of the accounts is still showing late but the account is current. ( The account with the {$500.00} balance ). Please fix this.
I disputed the 'date of first delinquency ' with Equifax . They completed their investigation but did not address the issue I disputed ( they responded stating that the balance, close date and date of last activity was correct when I specifically disputed the DATE of FIRST DELINQUENCY ). I called the creditor to confirm the correct date and re-disputed with Equifax ( XXXX ) and provided all the contact information of the person that I spoke to at the creditor. They have already completed the investigation and did still did not address the issue that I have disputed. I am including copies of the letters that I have sent them during the dispute process. Equifax failed to properly investigate this information and is continuing to report inaccurate information on my credit report.
Sallie Mae employees on more than three occasions have deliberately made inaccurate statements about what I need to do about my account, including supervisors that I spoke to about the issues. Add to that, they have kept my account almost a year over in forbearance limbo because staff at Sallie Mae, who seem to be paid for interest accumulations, would go on my account and made changes that were unauthorized or would call my co-signer, a XXXX year old person, and coerce her into making decision they know are not in the interest of my account. They have even wrongfully coerced her to pay money which was not due.
Afni collection agency is asking for  XXXX  dollars for a  XXXX  account I have no information about or anything contact information to settle the debt.
Someone used my information, and fraudulently sign a forge signature and or my personal information was used to open an account. whoever opened this account refused payment and damage my good credit history. I did not open or authorize this account, and I request that it be closed immediately
I have some credit inquires in my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX.
I submitted a check in the amount of {$160.00} to the Georgia Student Finance Commission for two of my Student Loans on XX/XX/2018. Check Number XXXX that is directly affiliated to my XXXX XXXX Checking Account. The XXXX XXXX Resolution team is also Researching this matter. ( Conf. # XXXX ) I called The Georgia Student Finance Commission when I received an alert from the Credit Bureaus that my accounts were past due. I have kept my Accounts in Good Standings for over 4 Years. I don't believe in coincidences but base on my research, whenever I have mailed my payment to the Georgia Student Finance Commission there has always been a problem with the processing of the check submitted. There has never been a problem when I have called in my payment. I have a great relationship with the Georgia Student Finance Commission and I would like for that to continue. I am sure that this problem can and will be resolved. I will call in my payments from now on or set up Automatic Drafts from my Bank Account.
Synchrony Bank XXXX only allows the following ways to make payments, by mail or by phone. When mailing in payment by USPS, it seems that the payments are not received to well over the payment due date. This could be due to the lack of response from their mail department or the payment processing center, as many other checks that I mail out for other vendors are received on time. They also do not allow a grace period for mailed payments. Thus causing payments that are sent well before the due date to accrue late fees. 

The big issue is however, how they display their late fees to the consumer. On the statements, since its a fixed monthly payment, the payment due still shows the fixed payment ( for example {$99.00} ), and the Fees & Charges on the statement show {$0.00}. However, the late fee is actually rolled into the principal and not shown as a Fee & Charge. This is easily looked over and missed. Thus causing the principal to go up and interest to accrue. Even though the payments still stay fixed at {$99.00}, I was told by one customer service rep that consumers do miss this a lot and that it was good that I caught it early, as most consumers are hit with a HIGH balloon payment at the end of the loan period. ( All accrued late fees & interest ) To me this is a very conniving towards the consumer, as the consumer does n't notice it and continues to pay their fixed payment without noticing that they are accruing late fees when mailing in payments.
whom it may concern : A notice of execution was placed on me. Im getting harassing letters and phone calls about what I allegedly owe through the company XXXX XXXX, XXXX. I have spoken to this company and multiple times and have asked for proper debt validation, which is allowed by Revised Code 1319.12, 1321.01,1321.51,1321.71 and 4767.031 laws and have been denied.

Today I was given information to contacted the law firm Lyons, Doughty, Veldhuis, P.C. ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ) formally XXXX XXXX XXXX. I spoke to several associates XXXX, XXXX and their New Jersey Associate XXXX XXXX in an attempted to ask for proper debt validation. I was transferred several times and placed on hold. I shared with XXXX that the account had been closed and two cases have been filed under this collection agency. XXXX informed me that I could not receive any documentation and I should contact XXXX XXXX. I did as instructed only to have my call be redirected back to the law firm using the same number provided. Once asked why the call was redirected, XXXX explained to me that all XXXX XXXX calls are forwarded to Lyons, Doughty, and Veldhuis to prevent debtors to call seeking information. This comment caused concern and it was under my impression that the law firm and XXXX XXXX may be the same entity. However, I repeatedly asked for documentation to include 1 ) who transferred title of ownership on debt ; 2 ) who was the trustee ; 3 ) who has the certificate of notice/default. I also asked for a legible copy of judgment. The conversation was unpleasant and I was told that the law firm does not have a copy of the transferred Title of Ownership. 
The associate XXXX XXXX consistently attempted to discuss the debt and whether I would make restitution. He then responded back that they will send me what ever they have and stated that the time has lapsed to receive this validation when I stated to him I had the right to this info he kept repeating the statement they going to send what ever they had and I had no right to this validation request because time has lapsed. I stated I had the right to this info and he disconnected the call
I was foreclosed on in    2008  by  CitiMortgage. As I foreclosed on I was under the impression that I can wait seven years for it t o drop from my credit but CitiMortgage reopened the case and withdrew their foreclosure on the home. I am now still showing as owner of the home but with a nonpayment of near ly ten years. I have tried a deed in leui but the bank sees my financials and just talks about keeping the home on top of me. The taxes alone will crush me so a deed in leui is not possible. The house is not habitable because it has sat for ten years vacant and with no upkeep. I have had three  lawyers and talked to every agency known to man but they all give me the same response. I cant help you but you can call ... .. agency for help. I am trying to move on with my life but I am unable to and there is no other option but to file complaints with every agency known to man. How can a mortgage company foreclose on you and then reopen and continue to ruin your life like this is ridiculous. I am in the military so I cant exercise my right to file for bankruptcy because I will lose my job.
I do n't know where this is coming from. I just got {$550.00} delinquent payment on my credit history.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
I WAS CHARGED FROM THIS SAID COMPANY XXXX XXXX XXXX ON MY CITI CARD FOR {$14000.00} I ON XX/XX/17 I CALLED TO REPORT THIS WHEN I SAW THE CHARGE ON MY STATEMENTS AND THE CREDIT CARD CITI FILED A FRAUD COMPLAINT AND GAVE ME THE CREDIT BACK ONTO MY CARD FOR {$14000.00} BUT THEN THEY TOOK IT BACK AND SAID I HAD TO PAY FOR THIS CHARGE.. I CALLED THEM BACK AND TOLD THEM THIS WAS A FRAUD AND I HAD NO IDEA WHO THIS COMPANY WAS AND I NEVER AUTHORIZED THIS CHARGE AT ALL. THEY WERE SUPPOSE TO OPEN UP ANOTHER CLAIM BUT THEY NEVER DID SO NOW I AM CONTACTING YOU IN HOPES TO GET MY MONEY BACK THAT WAS TAKEN FROM ME WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND ALSO DEALING WITH MY SICK HUSBAND WITH MEDICAL EXPENCES AND HE IS ALSO A XXXX XXXX. PLEASE HELP ME
I am a single mother and I have had trouble making payments since my divorce. I have called several times and each time they give me the run around and tell me that I can afford XXXX from each lender. I only bring home XXXX and after I pay all of my main living expenses I am left with XXXX for the month to buy groceries for me and my children and gas to get to work. FedLoan told me that there is nothing they can do to help me that my account will just have to default. Then they proceed to tell me that they do not do wage garnishing until it is delinquent XXXX! Everything I have researched and my XXXX lender have told me XXXX. I told them that I was in the process on consolidating and I just did n't want the account to start wage garnishment before this is final. I have nothing else to give them and they will not take in consideration that I have children to feed. They just tell me there is nothing else they can do. I told them I will even pay each of them XXXX a month and they said no.
During the recession, I incurred personal credit card debt and in late 2014 called Wells Fargo Financial to ask for an interest rate reduction to reflect the fact that my payments were never late. A Wells Fargo representative said they could n't do that but gave me the names of XXXX credit counseling agencies, which the representative said would be able to negotiate a better interest rate. I signed up with XXXX of the XXXX agencies the rep recommended and always paid the agency on time. A year later, I checked my credit report only to find that the agency paid Wells Fargo late for the first 3 months I was enrolled in their program. I went from having no late payments to several. Wells Fargo refuses to remove the late payments off my credit report or the name of the credit counseling agency from its recommended list.