WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX XXXX was debited from my checking by Navient through an electronic check ; the check noted " Verbally Authorized by Your Depositor ''. While Navient has my permission to obtain electronic monthly payments from me on the last day of every month, for a calculated payment, mine for the past six since months ( since XX/XX/XXXX ) has been XXXX. I never received any correspondence informing me my payment was going to increase. I went through this same dilemma back in XX/XX/XXXX when they charged me {$700.00} without informing me of the changes. While they did refund me for that incorrect amount at the time, it was painstaking. While I have confidence they will also refund me this time around, I am so angered that anyone should have to go through this in the first place. They continually fail to inform borrowers that their payments will be changing and for how much ; it has to stop. I am taking this action today as it is really the only action I can take on a Saturday. This transaction was posted to my account on a Friday evening and I have been unable to resolve any issues with Navient as they're closed over the weekend. I attempted to make headway with my personal financial institution but their dispute department is also closed for the weekend.

I am requesting three things : First, to be refunded in the total of {$590.00} immediately. I never received any correspondence for monthly payments increasing to the deducted amount. My permission, verbal or otherwise, to be charged for {$590.00} was never obtained by the company. If, after the fact, Navient tries to inform me that an IBR plan expired and I did not complete the required paperwork, I will note that I never received correspondence about an IBR plan expiring, nor about what my new monthly payment would look like. My second request is to be sent correspondence at least 60 days prior to a plan expiring that contains detailed information on how to renew and/or extend your plan. Finally, Navient should never be allowed to charge a borrower anything other than what is reflected in their monthly billing statements. If Navient has intent to the aforementioned, then I am requesting for notification at least 30 days in advance to when a fee will increase, explaining why, and listing in detail what actions the borrower can take if they are unable to afford to make those payments.
I am a single parent. On XX/XX/XXXX, I co-signed for my daughter to obtain a signature student loan from what was then known as XXXX. It was recommended to us by the college she was attending at the time because she needed the money for the next semester tuition. I was a XXXX for the XXXX. I thought that we were obtaining a low interest loan through the college foundation. Beginning in XX/XX/XXXX, my daughter would receive bills from XXXX requesting payments on the loan. An " upaid '' fee of XXXX and an additional " past due '' fee of XXXX was added onto the total each time increasing the amount of the loan. It was my understanding that college loans were to be repaid after graduation. She could not repay the loan at that time because she was still in college. She would receive a bill showing a past-due amount. I would receive a letter showing interest and stating " this is not a bill '' with a loan repayment date of XX/XX/XXXX The principal amount on the statements sent to my daughter were increasing. In XX/XX/XXXX we received letters threatening to and then stating that we had been reported to consumer credit agencies for delinquency. The interest rate on the loan moved from 11.75 to 12.125 to 12 %. I am not sure why or when this occured. The interest rate now is 12 %. 
On XX/XX/XXXX my daughter received a letter granting her in-school deferment which she did not request. The letter that was sent with it used a loan interest of 9 %. 
On XX/XX/XXXX, I received a letter from Navient. I had never heard about this company and did not know who they were. They informed me that I had a loan that I was a co-signer on with them that was past due and that I owed them {$300.00}. I had no idea that the loan was due. When I asked them why they loan was now due, my daughter was still in college, they said that she had had enough time to graduate. I did pay the XXXX and have been paying on this loan since. 
I have tried to investigate every avenue for lowering the interest rate, consolidation, forgiveness, or anything I could do to help us with this now huge loan. It is overwhelming. I thought that we had borrowed money from a safe place for families who needed help to send their children to college. I was very wrong.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please remove the accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
My credit report is showing a public record XXXX. However, I am unaware of the record dated for XXXX XXXX, 2014 and Equifax has failed to report the source of their information for this judgment. All of which is a violation of the FCRA!
I received an advertisement in the mail from Capit al One 360 S tating that if I opened a new ca pital one acco unt, entered the Code "  XXXX  '' and receiv ed 2 direct depo sits of {$250.00} or more I would received a {$400.00} account Bonus. I opened the account, I was targeted due to being a new resident in the  XXXX  area and I have received FOUR direct deposits since opening the account, as of today I have not received my bonus deposit of {$400.00}. I have called capita l one 360 multiple tim es and have received a difference answer everytime  I call. I have met ALL of the requirements and there is no reason for them to withhold my bonus any further. I feel as though capital one has defrauded me, I would have never opened an account with them if I would have know that they would give me the run around concerning an advertisement that they sent me. I just would like my bonus and to be able to have a good banking relationship with capital one.
I have been repeatedly contacted by a company called Empire Mediation Services, but only refer to themselves as EMS. Their initial call was to tell me that I had taken out a payday loan in XXXX XXXX that I did not pay back. I asked who the creditor of this loan is and was told XXXX XXXX. When I asked what city and state this company is located in I was told that they do n't know. I asked how this loan was taken out and was told online. After telling the company that I did not take out a loan they told me if I did n't do something today they would sue me. I was told that the creditor had direct deposited {$300.00} into my bank account in XXXX XXXX. I indicated to the company that I never had a loan like this and they have the wrong person. I was then told that they hoped I enjoy getting court papers and being sued. I indicated that I do want to go to court with them so this can be cleared up. I have had numerous calls from this company with the same debt. I have been told that they will be filing charges with the court for defrauding a financial institution and writing a bad check. I asked them to please move forward with this process as I want to go to court with them. I have been given different dates that I supposedly took out this loan, with their staff switching between dates in one phone call.I have been told on one occasion that when the creditor had tried to cash my check they found that my account was closed with my bank. When I said that I have had the same account for over a decade, the reason for the check not clearing was non sufficient funds. I asked what the date was for this and received yet another date. I have not received the verification of the debt and creditor as requested. I have also yet to receive any court documents or notice of a lawsuit being filed against me as I was told would happen. I have looked into this type of scam with the Michigan Attorney General 's office and feel that this company is perpetrating a fraud against me with the intent of getting money from me that I do not owe. I have also pulled copies of all of my bank statements from 2 years prior to the earliest date this company claimed and 2 years after the latest date this company claimed. There are no deposits from any loan company or any direct deposits other than my own paychecks or verified agencies such as the IRS. There are also no incidents of NSF in this time period as claimed.
I requested a XXXX  demo of an online app but did NOT authorize opening an account and did NOT authorize any transactions to the account. I received an email today that states I have been bill approximately {$72.00}. I have not been able to contact XXXX. I did file a customer support ticket with XXXX online and have not had a response. 

Because XXXX states it is affiliated with Chase Bank by being a Chase Bank company I called Chase Bank and was told they know nothing about XXXX  and were not able to assist me.
Security Credit Services is attempting to collect a fraudulent debt. They have listed an account on my credit report for {$890.00}. They are not licensed to collect debts in the state of Massachusetts in which I am a resident.

In XX/XX/XXXXI sent written notice via certified mail requesting validation of debt and 93A Demand Notice informing them of their illegal activity. They failed to reply.

In XX/XX/XXXX I sent a 2nd notice via certified mail 93A Demand. They failed to reply.

In XX/XX/XXXX I sent a 3rd notice via certified mail 93A Demand. They failed to reply.

They are unlicensed, reporting illegally and attempting to collect illegally.
Dear Sir/Madam, I am writing to report very illicit actions by Scottrade Bank and their affiliates. Specifically, for a period of at least two years, Scottrade Bank lied to the OCC about their net capital to pass on the illusion that their bank was less than XXXX XXXX in assets. Scottrade Bank and the OCC conspired in a manner that Scottrade Bank was left from out of the regulatory purview of the CFPB and the OCC refused to investigate. 

In fact, during 2013, the OCC and CFPB forwarded complaints back and forth at at least 6 times, with neither agency taking jurisdictional authority over the issues. 

Finally, after months of contacting Senators and the CFPB, Scottrade was finally taken under the jurisdiction of the CFPB. 

However, now Scottrade Bank is refusing to reply to all or any of my complaints, even when the items and disputes are substantially different than previous complaints.
XXXX   XXXX   XXXX   and I  agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX due  XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
CARTER-YOUNG, INCXXXX is trying to collect on debt that is not mine. CARTER-YOUNG claims I owe {$350.00} toward a medical/health care. I spoken with a representative via telephone and have verified the XXXX XXXX they 're looking for does not share the same SS #, yet a " collections '' notice exists on my XXXX credit report.
I leased a Toyota XXXX in 2012, XX/XX/XXXXI made payments every monthe. In about XXXX of 2012 They lost a cashier check for {$600.00}. This check remained missing until just under XXXX dos they cashed the ck. They however have carried me a a late payee ever since that date with an acruing act and a negative credit score. I hired an atty to pursue this to resolution,, but they continued to refute the payment. I have not received a statement from them for over a yer. I have continued to make my payment of $ XXXX each mo and inclose a note reqauesting a statement. I di get a hold of someone before XXXX of last yr and he said he would get back to me immediately. I have heard nothing. My else is ending next month and I acannot obtain credit to obtain another car with this on my record.I have all the receipts and the return receipts for the mail sent to them. They will not even reslpond to my attys calls or mine. ''they do not even answer my calls. I would like to resolve this matter This company has not made any effort to clear this matter up..It is like they are getting even with me more challenging their bookkeeping. 
XXXX XXXX XXXX XXXX, XXXX. My email is XXXXXXXXXXXX
I receive frequent calls from  Portfolio Recovery Services.  While I was willing to talk with them at first they began to call so frequently and began to try and guilt me into paying a debt I explained I could not afford that I was forced to block them. They continue to call me nearly every day from a new number.   At one point, they called so frequently that they called within five minutes of my phone being reactivated.
I have ten or eleven phone numbers blocked from them sinc  e   XXXX   alone. There is always a n  ew one, with a new area code to disguise who they are.
Additionally, I have been insulted in their aggressive attempts to collect, one caller go  ing so far as to accuse me of " living off the system '' when I explained I was not married and did nor work and so I could not make a payment on what was a medical credit card debt. I am a student.     I have been criticized and pushed when I have explained my inability to make a payment, to the point I have had to hang up to be left alone. I have been shamed for not being able to do a payment plan like they want me to and I have been reprimanded like a child for being too busy getting off a flight to visit family for  XXXX  to call them.
Upon transfer the servicing of the loan from XXXX to Mr. Cooper, our escrow account is not correct and is now showing a shortage. We received notification from Mr.Cooper that we are now short funds in escrow. We contacted Mr. Cooper and Spoke with XXXX in the XXXX, Texas. She stated that she would contact us back, but after several attempts this is still a stagnant issue with them. XXXX saw what we saw, a blatant accounting issue, yet this company still wants to add more to our monthly payment for this '' shortage ''. While with XXXX, we never had a shortage with them. I am providing the following documentation : 1. XXXX statement of XX/XX/XXXX showing our escrow account activity 2. Public records of our taxes that show only one tax increase on the school taxes of {$120.00} for the year. 
3. Mr Cooper notification dated XX/XX/XXXX Showing we are SHORT {$2200.00} 4. Loan statement showing they want XXXX more each month a total of {$1400.00} more a year. 
5. Statement from XXXX XXXX XXXX showing the Declaration page showing the yearly premium of XXXX We are looking for an accounting statement and the return of the payment to where it should be. XX/XX/XXXX payment is coming due and we want this issue resolve asap. Thank you
With the XXXX data breach, my wife and I spent hours trying to 1 ) get our credit reports from Transunion, XXXX and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from Transunion and XXXX on line but XXXX is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call Transunion to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. XXXX should be paying this not us as they made the XXXX up. This entire process needs to be shut down.
I need extra money and my credit scores wasn't that great. I went online and found this loan company XXXX. It was the biggest mistake that I have ever made. I took out the loan in XX/XX/XXXX. It was for {$3100.00}. My payments started out at {$360.00} a month. Then I could no longer afford that amount so I started paying {$270.00}, As of today, XX/XX/XXXX, after two years, the principal on this loan is {$2500.00}. I called to get a pay off amount today for Monday and I was told that the pay off would be {$2800.00}. I asked them how could this be. I did not understand anything the guy said. I told him that this has to be unethical and illegal and hung up. I do not understand how could have a loan that I got in XX/XX/XXXX for {$3100.00} would have a payoff of {$2800.00} in XX/XX/XXXX when I have been making payments of originally {$360.00} and now {$270.00}. I know that I should never use companies like this but this has to be illegal. The way they are doing this loan, it would take forever to pay off. Also, after 2 years only XXXX has gone to the principal. Also, how could the principal balance be {$2500.00} and the pay off would be {$2800.00}? This makes no sense and I could not understand all the fees and interest charges that the person was alluding to. I also did not know that the loan does not have a term. I thought it two years it would be paid off. 

I did not understand these terms an never would have signed up to something like this. I was just in a car accident and needed money to pay bills. My credit score is fair now that i can actually get a loan at a bank. I wanted to try to get money to pay this off but do not want to pay what this is showing. It is not right.
I have been in the short sale approval process for over a year now. I finally had an approval but we were unable to close due to some repairs needed. Both my realtor and I have tried to contact Wells for an extension but no one returns our phone calls. Not only are we at risk of having the buyer walk, but I am at risk of losing a job offer that requires proof that the short sale is going through. Wells forced me to default on a loan so that I could get a short sale approve and my credit continues to be destroyed despite my best efforts to get something completed. This is beyond frustrating.
I have an issue with predatory lending. The loan originated with   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   in   XXXX   during the height of the mortgage crisis. Unfortunately for me, this loan has been transferred to several loan servicing companies from  Litton and currently Ocwen.  I have a good credit rating and do not want to see it compromised because of this loan. Conversing with  Ocwen has resulted in N O RESULTS. The loans are neither   XXXX   XXXX   nor   XXXX   XXXX   so I can not apply for a HARP loan to refinance my mortgage. I am have read several things online about the horrors of these loan companies and  Ocwen th e loan servicing company, but do not know what to do. I need some help. Because I am  upside down in my mortgage, no one will offer me an opportunity to refinance my mortgage.
I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me
XXXX  XXXX XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX18. I contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
The account in dispute is Child support enforcement.This account is delinquent I am not questioning that, but it has been paid every month for 4 years in a row. I sent supporting documentation showing the payment history directly from the creditors website. Since the initial dispute they have continued to make the reporting more and more derogatory. Initially it showed 120 days late but reported the payment history. After the 1st dispute the moved it to 150 days late, after the second dispute they added a note that creditor recently located me and moved it to 180 days late. I have made on time payments for 4 years straight and again uploaded the evidence of this to Experian. This reporting needs to either be corrected to report the accurate reporting of the 4 years payment history and the insinuation that I was just recently located or it needs to be removed altogether. They are in violation of both the FCRA and FACTA. It is obvious that they are on a vendetta because I dared to dispute their inaccurate reporting. Please Help. I did try to upload the payment history on your site but the attach button is not working
I paid my XXXX credit card ( {$90.00} balance ) in full or so I thought. The card was one day late and was charged a late fee. I did n't realize that I had incurred the late fee therefore did n't think I was carrying a balance. I do n't recall seeing the statement last the credit card statement either? 

I used the card again in XXXX and when I went to pay the bill off in full again, I realized I had a past due + 30 day balance. I am in the mortgage industry and realized the impact this ONE LATE PAYMENT BECAUSE I WAS ONE DAY LATE now has dropped my credit XXXX points and the cost of credit I pay increases because i was 1 day late on a {$90.00} balance. And I pay this Target card in full overtime! 

I reached out to XXXX and the person I spoke with indicated they would open an investigation and realized that I was one day late and have a great pay history etc. I received a letter stating the investigation was complete and they found out they found I was late. 

While I realize I was, I feel that this impact it has on my credit and financial history is extreme for a 1 day late credit card when I the consumer thought the card was paid in full. I would have paid any amount due then have my credit affected the way it has. 

Thank you!
I made a lump some payment of over {$20000.00} and the company could not find nor tell me what happened to my payment for over 2.5 weeks. Employees could not verify that payment would be made even though it had been deducted from my back account. Everything was resolved but it took over 2 weeks