WillisBack/dataset-financial-user-claim huggingface dataset:
Loan recently transferred to Navient. I am currently experiencing financial and family hardship and attempting to place loans on deference. Told I did not qualify by Navient agent when I called. I filed a complaint with the XXXX and they have not responded. Website difficult to navigate and just leads me around and around in a circle telling me to sign in to my account again and again every time a click a link attempting to navigate to the loan deferment site. I asked Navient through the XXXX to provide paperwork since it is not possible to apply for a deferment online and I have not received that either. I have now been waiting since XX/XX/2017. However, I did receive an email from XXXX from their office of consumer advocate asking me to keep making payments while they check into my complaint which is completely unhelpful due to my current financial in, hardship.
Back in   XXXX   I contacted CFPB regarding my JcPenny account with Synchrony Bank. Here is original complaint : " Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud. The problem is with my former JcPenny card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as 30 days late on my  XXXX  credit report. I was assured that the report would be corrected and the 30 day late would be corrected and removed. To date, this has not been done and  XXXX  is showing as 30 days late, breaking their promise to me via the letter received. FIX IT! '' I received hard copy letter via postal mail on  XX/XX/XXXX and   XXXX   XXXX  , 2017, that they were updating the bureaus to reflect current closed status and not past due. The problem has never been fixed, as my bureaus are reporting STILL as closed Past Due. I highly suggest this be fixed immediately, without further lies and B.S. - I was told this would be taken care of, and shocker, it has not been. " " in our previous response dated   XXXX   XXXX  , 2017, we requested all major credit bureaus delete the late payment associated with this account from your personal credit history. You were informed that the updates to personal credit report may take up to 60 days. '' - Its now past the 60 days!!
This is ridiculous and shameful that a large retail bank, lie and deceive, to get out of trouble.
I have contacted my lawyer, and will follow up with legal action if ALL bureaus are not updated and corrected within 30 days of this complaint. CFPB get of your lame  XXXX  and follow up on this, not just take the easy way out.
I am trying to switch my loans from forbearance to an income based repayment plans. I enrolled in an income based repayment plan in mid XXXX and supplied all my financial information. On XXXX XXXX, 2017 i was enrolled in an income based repayment plan, BUT only some of my loans were enrolled. The rest were placed into a standard 10 year repayment plan. I was given a minimum monthly payment that reflects an amount that is approx XXXX dollars more/month than what should be based on my financials and also what navient also admits it should also be based on annual income. i 've called 4 separate times spanning the past 30 days to resolve this issue. Every time Navient i 've called, navient stated that my federal loans are taking a longer time to enroll but that it wil be done within a few days.. this was the same response FOUR TIMES. At this point i 'm becoming nervous because i cant afford my monthly payments but my payments are due. I 've already payed my XXXX payment because i do not want to default on my loans but i can not keep up and navient will not resolve this issue
On Monday, XXXX XXXX XXXX, I tried to get a passcode from M & T Bank, to access information about my bank accounts, instead of having to provide the first 5 digits of my Social Security number. I did this on the advice of the local police department, which advised citizens to take this action in light of the XXXX hack. I spent hours on the phone and even visited a local branch of my bank. I was given wrong or contradictory information on the phone and in the bank and was kept waiting on the phone and in the bank for inordinate amounts of time. I never was able to register my concerns about bank security or get a passcode. 
On Wednesday, XXXX XXXX, I phoned my Congress member 's local office to ask for their help. They tried to contact the appropriate department of M & T Bank but were also given a run-around. I 'm very concerned that an identity thief could easily gain access to my account information via the bank 's automated customer service on the phone, and the bank appears to be completely unconcerned about this big hole in its security system. M & T Bank should stop using social security numbers as identifiers and provide any customer that asks for one with a passcode. It 's also frustrating that the bank systematically conceals contact information from its customers, making itself inaccessible and unaccountable. It 's impossible to find relevant phone numbers for its security office on its website or from phone customer-service personnel. Because of the XXXX hack, the bank should take action to correct these problems as soon as possible.
On multiple, yet separate occasions, I have submitted online payments towards my monthly bill for Navient. Although paying before the due date, I seem to get an email stating that my account is past due. When looking at my online statement, I see a notice stating " payment not processed ''. Of course, I called my bank to see if it was an issue on their end, and it was n't. I made another payment, and instead of cancelling the second payment, Navient has accepted the payment, and continued to charge me for the next month. I can prove, mind you, that I have not been late on any monthly payments. I also had to consolidate my loans after XXXX XXXX closed, causing my balance to double. I can not defer payments, they will not lower payments, and they keep insisting on forbearance for a year, paying only what I can. I have done this once, and noticed that my interested doubled. No thank you. Let me also add that you can no longer make payments online using a credit card. You have to call and use a debit card to make a payment over the phone, and customer service is not the easiest to deal with.
I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX
On XXXX XXXX I called Apple Law firm to help me with my debt problem. A friend gave me a number to call that she saw in a t.v advertisement. So I called and got set up. Signed contract and supplied creditors information, a Notary lady came to my house to sign papers. It was until recently I applied for a car loan and found out that all my credit accounts were in bad standing and on my credit report. I called the office and cancelled contract using XXXX as a way out. I sent a cancellation XXXX by fax, email and talked to office manager XXXX XXXX to cancel. I was not happy with service. I requested a refund for my money back and they customer service email account replied it can take XXXX. Copy of email in attachment ). 
Well that was 5mos ago. So I reported to XXXX XXXX, They sent XXXX correspondences within 4weeks on my behalf with no reply. Case closed. So now I am sending all my information in an attachment regarding emails, contract, and other notices. 
I even suspect Apple Law firm scammed IRS. I had my identity stolen and someone filed XXXX taxes using my social security number that I reported to Apple Law group on XXXX XXXX, XXXX XXXX XXXX XXXX who said she 'd make a note of it, Also, that creditors were still calling, harassing me at home calling multiply times a day. I have phone records to prove that.regarding my late accounts. .Apple Law group has never supplied me with any name of attorney they worked under even though it says in contract, business license, or tax id number. Only have spoken to " XXXX '', " XXXX '' possibly same person and Once to the Manager XXXX XXXX who I had to talk with regarding closing my account-contract. I NEVER received information on pending accounts or work done on my behalf. They received {$390.00} per month from my checking account. XXXX XXXX, I sent copy of sent XXXX statement with my address, and was told to change address with the New Address- Apple Law group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. Its in the contract. On XXXX XXXX, XXXX XXXX creditor called me to offer me a settlement on my account. I started to get suspicious but continued working with Apple Law. 
I 've been scammed. 
.
In 2009 I lost a job that I had for about 20 years. I found a job 3 months later making XXXX less so I got behind on my mortgage so I ask for a modification they did in but the payment went up I told them that it will be hard but it took a long time and I hired a attorney to help me he drag it along for over a year then I did n't hear from the attorney then I found at he was suspended. So I had to do it myself I think they took advantage of me. Then I ask for another modification because I was struggling they did it went hire I struggle they did another one it went to XXXX over XXXX more then what the original payment in 2009. I thought that when you get a modification the payment go down ( am I right ) so I have gotten behind and they will not help me that 's why I am turning to you guys for help we took in my father-in-law he is retired because he has no place to live and we took in my daughter and he XXXX baby 's so was in XXXX relationship. So all the bills went up I am looking for help so I do n't lose my house my son is upset because we might have to leave.
I was told by XXXX XXXX XXXX XXXX XXXX in XXXX Florida once this debt was paid off it would come off my credit report, as of this date it still remains on there. It was paid in full in the amount of XXXX on XX/XX/2018. That means it remains on my credit report for 7 years which is ridiculous, it was paid again in full, not settled in full but in full. That decreases my credit score when it comes to even getting car insurance, and 7 years is the going rate for XXXX XXXX in a number of states, I've went through this with another company before, they should not be permitted to do this.
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( FRANKLIN COLLECTION SERVICES, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XX/XX/2009, XXXX, ACCOUNT NUMBER : XXXX, INDIVIDUAL ACCOUNT, {$180.00} ) is inaccurate because Medicare-XXXX General Information : ( " XXXX. We are a doctor 's office and heard that we can not bill people with both Medicare and Medicaid, even if we do not participate in Medicaid. Is this true? 
XXXX. For services that are covered under Medicare, you can not bill a Qualified Medicare Beneficiary ( QMB ), even if your office does not accept XXXX. A QMB is someone whose income does not exceed 100 % of the XXXX XXXX XXXX and who is eligible for XXXX paying Medicare premiums, deductibles, and coinsurance for both Part A and B. 
Even if the person signs a document accepting liability for any treatment costs, you still can not bill them, as QMBs can not waive this right under XXXX. Providers who bill a QMB for costs above the Medicare and XXXX payments ( even when XXXX pays nothing ) are subject to sanctions '' ). ( XXXX ). I am requesting that the item be deleted to correct the information. 
Enclosed are copies of ( Partial XXXX Credit Report with item circled, ) supporting my position. Please reinvestigate this matter ( s ) and delete or correct the disputed item ( s ) as soon as possible.
On XX/XX/XXXX, I was approved for a permanent loan modification. I was required to pay XXXX PER A MONTH starting XX/XX/XXXX. Everything was going great, until XX/XX/XXXX, when LO AND BEHOLD, Chase Bank sends me a bill showing that I am over {$11000.00} in arrear on my payments. 

When I called to receive the answer, the woman stated I did not pay XX/XX/XXXX XX/XX/XXXX. AND XX/XX/XXXX. 
This is totally false. I am enclosing all of my bank statements showing that my payments were withdrawn directly from my account, and that NONE of my payments were returned NSF as she indicated. 
I am also enclosing copies of all of my mortgage statements showing that NOT ONE mortgage statement shows that I am past due any money.

Finally, if I am approved for a loan modification as I was back in XX/XX/XXXX, I should have nothing that I owe Chase Bank because all arrears are added back to the mortgage. 

This is A HUGE ERROR. I am very, very concerned.
I contacted both Equifax and XXXX in XX/XX/2018 to explain that Im a victim of identity theft. They continue to report this fraudulent information on my credit file despite my numerous attempts to have this issue resolved. On XX/XX/2018 i received a letter from XXXX stating that these fraudulent accounts are mine. Again, they are not mine they are fraudulent. I have not opened these accounts and i didnt authorize the opening of these accounts. I would like both Equifax and XXXX to provide proof which supports their claim that these accounts are mine.
Several attempts to contact the Advantage Group regarding alleged debt collection accounts which are appearing on my credit reports. All correspondence sent to Advantage Group is via US Certified Mail. Despite having received my correspondence this company fails to reply. Despite the collections accounts not being verified, I 've attempted to expedite deletion of these accounts by offering to settle. No response.
Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX, XXXX XXXX
I first received a call from XXXX XXXX with Summit receivables phone number XXXX on XXXX on my employer 's phone at work. I asked that they do not contact me at work any further. She called me later that night on my cell phone and stated in her message that she had verification of employment and verification of income for a matter on XXXX XXXX, XXXX XXXX of residence, and made it seem as if legal action was being taken. On XXXX, I received a call on my cell phone with a message now stating that she will move forward with her audit to get verification of employment and income. On XXXX, my employer received a fax from summit receivables requesting my personal information to include my salary and other terms of my employment, which my employer did not fill out or return to them. On XXXX, my employer once again received a call from them asking to speak with me but I was unavailable at the time. I have yet to receive a verification of this debt from summit receivables as well.
5/3 Bank severely mismanaged my escrow account causing a deficient of {$3700.00}. They bought out my mortgage in XX/XX/XXXX. They mismanaged the property taxes for my property for XX/XX/XXXX. They said they thought my property taxes were {$330.00} when in turn they were paid the previous year as {$2400.00}. My prior mortgage company paid the appropriate taxes the year before but they said they had no idea what the correct amount was for. How could this be? I have had numerous mortgage companies buy out my mortgage for 15 years and have never had this issue before. They also did not even pay my mortgage insurance when it was due in XX/XX/XXXX. I had to pay it so it would not lapse. This company mismanages and does not treat its customers fairly!!!! DO NOT GET A MORTGAGE OR DEAL WITH THIS COMPANY!!!
I had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XXXX of XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, Transunion, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and Transunion failed to resolve the issue. When I contacted XXXX  and Transunion, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX and Transunion regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX and Transunion. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!! 
It should not be on here. 
ThanksXXXX
I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' with XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.
I did not receive a notice of the right to dispute the debt XXXX claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, XXXX XXXX XXXX even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.
Long story short, I'm a XXXX year old New to debt and I talked to two representatives in one day who told me I owe two different things! I was trying to understand why my amounts changed after making my third payment today & why one representative is telling me I owe one thing while the other is telling my I owe another. I get on the phone with the manager for her to be rude as XXXX from the moment she picked up. I understand " this isn't a customer service '' gig but at the same time, 1. I'm not going to keep paying money to people who obviously don't know anything. 2. If I'm trying to understand what's going on, and you're going to act like it's killing you to explain to me, the debt will never be paid. Why would I pay something and at this point I don't even know if it's legit. I'm asking the lady okay what will happen if I don't pay so I can understand their process and she goes " well you either pay or see what happens '' like XXXX kind of XXXX is that ... what's supposed to happen? Not only that, the manager didn't even give me her name, when I asked to speak to someone above her she goes " you won't be speaking to anyone else. I'm the only you're going to be talking to '' and you aren't getting paid either. I'm trying to be grown enough to get this XXXX figured out but she will not talk to me like I'm below her.
I have submitted to Equifax on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX Hospital they received it and put a fraud alert in my report. In XX/XX/XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report.
I received a letter this data was verified and I sent a letter saying tell me how you verified it when I know for a fact I have never been to this hospital and do n't even know where it 's located.
I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX ( duplicate pull ).