WillisBack/dataset-financial-user-claim huggingface dataset:
My loans through Navient were deferred because I went back to get a XXXX XXXX. I graduated on XXXX/XXXX/2016 with my XXXX XXXX. On the Navient website, it showed I did not have any payments due by my typical date of the XXXX of every month. In late XXXX ( after the XXXX ), the Navient website said I was due with a payment on XXXX/XXXX/2016. I paid all the requested amounts on all my student loans, and paid extra on XXXX of my student loans ( so that I could pay that XXXX off early ) - and this all happened on XXXX/XXXX/2016. My account on this date showed everything was paid properly and there were no notices of being late. 

On XXXX/XXXX/2016, I received my first e-mail that I had a payment due on XXXX/XXXX/2016 - except it was more than I expected. I log in to Navient and see notices that all but XXXX of my student loans was past due, and the past due amounts were past due for the exact amounts I paid on XXXX/XXXX/2016 for the payment due XXXX/XXXX/2016. I called customer service to get it corrected, but unbeknownst to me, they corrected by taking the amount I overpaid to XXXX loan and split it up amongst the ones that were overdue ( thereby reducing the overpayment intended to go to that XXXX loan ). 

Later in the day, I did not understand what they did, nor did I receive any notification over the phone or through e-mail about this matter, so I called them back. After sitting for a grueling 1.5 hours on the phone and asking to speak to a manager, I came to understand that since I graduated on XXXX/XXXX/2016, they backdated a payment due on XXXX/XXXX/2016, hence my original payment made on XXXX/XXXX/2016 for the XXXX/XXXX/2016 due date was retroactively applied to a payment that was backdated due XXXX/XXXX/2016. After asking how they can backdate a due payment over a month later, I was told it does n't matter because I was assessed no late fees and my account was up-to-date. At this point I hung up because further conversation was as pointless as watching paint dry. 

At no point did Navient notify me through e-mail or mailing that I had a payment due on XXXX/XXXX/2016. And at no point did Navient notify me that they were going to backdate a payment due on XXXX/XXXX/2016 - both e-mails and their website listing of messages prove they made no attempt in notifying me. 

If I had not overpaid that XXXX loan and had it split up to cover this ghost due payment, I would have been listed as being late and charged fees. I do not feel like I can be the only XXXX this has happened to, because in my talks with customer service, it is evident there is gross mismanagement - especially when my questions about how they can do this went unanswered and I was told it does n't matter because the account was up-to-date.
In XXXX of XXXX we called our mortgage company ( Bank of America ) and asked if we could refinance at a lower rate with some additional funds to help us get through this difficult time ( unemployment ). It was then that we were offered a Home Equity Interest only Line of Credit. At the time the real estate market was booming and they offered us a huge loan. we were told we would qualify for the HARP program just take the line of credit, in addition to that, we were working with a representative never actually getting a modification payment. We were offered a payment that was higher in fact, so high we couldnt make the payment. This continued with XXXX XXXX a new representative because the other one was laid off. XXXX stated if I show good faith by making 3 payments they would continue to work with us and find a way to consolidate both loans. I asked XXXX XXXX If they could apply a percentage of debt forgiveness to make both loans affordable. Instead my 1st mortgage loan was sold to XXXX leaving me no other option but to pay both loans individually. Unfortunately for me I was not knowledgeable enough to get it in writing her promises before making those payments. 
The two loans would have totaled XXXX a month totally unable to make that payment while on XXXX. 
I have since called them imploring them to please work with me even as recently as XXXX/XXXX/XXXX. My original mortgage was with boa and they sold the loan to XXXX as soon as i made 3 very high payments to them deceiving me by not combining the two loans making them affordable to us. They lied so many time to me and worst part is they never gave me a modification. They never explained to us the fact that the mortgage was a priority not the line of credit. I never would have fell behind if i was n't paying the interest on the line of credit. I did n't understand my allegiance belonged with my mortgage. THEY ARE THE ONES WHO TOLD US WE WOULD NOT BE ELIGIBLE FOR ANYTHING BECAUSE WE WERE NOT LATE WITH ANY PAYMENTS!
The account XXXX XXXX has been calling me everyday, along with others. During work at XXXX pm at night and I have told them I was willing to pay and send a money order in. She is not excepting that since she stated that it is policy that they have 15 pre-stated payments set up from a bank account. I told her that I do not have money to keep one open and that I would send a money order from a bank and email a copy of it before I send it. I also asked her about the person who called me at XXXX pm and she stated that there was no record of that at all. I told her that it happened 4 times and that I have the number that called me in my phone. I picked up her call on Friday XXXX and she did nothing but harass me talking over me to listen to her after I asked her about what she was going to do after I send a payment of about {$34.00} and she stated that she needs a bank account or I need to buy a prepaid card and load my paycheck on it and call back to set up the 15 payments to come off every month after my paycheck was added to it. I told her that I can pay about {$110.00} a month and that I would send it at the end of every month. She stated that I needed to pay over {$200.00} nothing else is acceptable. I also told her that I received a letter stating that if I do not arrange something I can not use payment program which they wo n't let me use, my balance will be due in full immediately, they are taking legal action, and they may report the default. I did look on my credit and they reported it months ago which they say in the letter that they may due but in fact, they have already done. I am tired of getting calls all hours of the day and it seems if they do something wrong calling they delete the history. 
If any documents are needed I will send them upon request since there is information that is confidential.
Hello, I opened a auto loan with Santander Consumer USA in XX/XX/XXXX. The original note amount was XXXX. I admit, I have been late on some payments but I have ALWAYS paid them to include all late fees. Recently, in XX/XX/XXXX I found out my outstanding payoff balance is {$16000.00}, I messaged them and asked them why? They told me it was because of the way payments were made to my account. That is absolutely ridiculous. In FOUR years, I have paid {$13000.00} of which {$11000.00} has gone to interest, {$270.00} has gone to " fees '' and leaving only {$2100.00} going toward the actual principal. I formally asked Santander for a refund. My balance owed should be {$4100.00}. I have reported them to the XXXX XXXX XXXX and the Attorney General 's Office for the State of New Mexico since I found this out and have had no action in my favor thus far. I believe this is theft and they should be prosecuted. The interest they are charging is absolutely wrong and criminal! Please help me solve this matter. 

Thank you. 
XXXX.
I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( Chase, XXXX, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( Chase, XXXX, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from chase which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.
In XX/XX/XXXX, I began to repair my credit with a direct effort to secure a better FICO score. I began by paying off a loan with XXXX XXXX for {$4600.00}. I then acted to lower credit usage by paying down credit cards, lower credit utilization. I have not applied for any credit cards with exception of a XXXX XXXX late last year. If there are any inquiries on my credit report they should be deleted because they are not at my request. XXXX XXXX   reported the {$4600.00} as paid off on XX/XX/XXXX. For the months of XX/XX/XXXX and XX/XX/XXXX my FICO score was XXXX. XXXX XXXX provided FICO score each month included in my monthly statement. When I inquired on my XX/XX/XXXX FICO score, I learned that it had only advanced 5 points to XXXX. I called XXXX XXXX quite irate and they informed me that this score was provided by TRANSUNION. I spoke with TRANSUNION and they specifically stated that they could help if I made a payment to a subscription to XXXX. I was then directed to FICO where it was almost impossible to speak with a live agent. Being certified in the Fair Credit Reporting Act, I knew that my score rightfully should have been in the 700 plus range. I asked FICO to make the correction, the response was they would assist if I purchased a subscription. This is certainly consumer fraud and I request that my score be corrected.
I have had a title pawn with XXXX  XXXX for 2 years and I pay XXXX a month..but if I'm late I pay XXXX per day that I am late. For the last 3 months I have really struggled..the payment has went from XXXX to as much as XXXX per month. Last month I informed the store manager that I would be late and she said well XXXX you are always late and this is an ongoing problem. I said yes I am late but i always pay all fees associated with the account. So the store manager say come in on Friday but I can't extend your loan. And that was on XXXX the XXXX..and I asked for another extension..but it was denied. This is a trap for a person to never get his or her title back.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX  XXXX
My loan is with Navient and there are several issues. They have XXXX sites and XXXX claim that my payments are different and in XXXX different areas there are three unique payments due. When I call they give me yet another amount due - none match whatsoever and the amount that actualy gets taken from my account is another amount. Nobody gives me an answer and I get the run-around every time. They say one thing and take out another. I make payments and they out them towards other loans that I did not request to pay off which are lower interest. This company is a scam and the people that I deal with are just taking orders without compassion for their customer. I recently got a notice for past due payment and they said it was due to XXXX - how is that my fault? I asked for a manager and they stated that there were no managers on staff at the time of my call which is XXXX on a Wednesday morning!!!!!! How is that possible. Again, this company is corrupt and is taking my money. I do not trust them and have been dealing with them for months now. Its not getting any better, but worse. i need help.
On XX/XX/2018 I received an updated Experian credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Experian detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Experian conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Experian able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Experian credit report. This is my final attempt at a resolution with Experian regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
Bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX case XXXX XXXX  in the XXXX   XXXX ohio federal bankruptcy court. One account, Honor Finance has been notified of the filing and discharge but refuses to change the status to closed and XXXX. Multiple attempts to speak with someone results in voicemail. No call backs and no return emails. The bankruptcy was discharged and by bankruptcy law, they are required to change the status correctly. This is now affecting my credit report as they will not show account closed. My account with honor finance is # XXXX. I have disputed each and every Credit agency report. This account was not reaffirmed in the bankruptcy.
I attempted to make a Payment to   XXXX   XXXX   a old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from 3rd party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two thin gs : : : They do n't have me as   a credit collections client and therefore it should be remove according to FCRA law [ 623 ( a ) ( b ) ]. Or ....
Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law [ 623 ( a ) ( b ) ] should also be removed.
Common Wealth Financial keeps contacting me about a debt that they say I owe. I have asked them for proof of the debt being mine. They keep telling me they have emailed me the proof and such. I have not received XXXX email from them. They keep calling my phone and when I answer they hang up, on a recent phone call they called me and I answered they wanted my SSN and date of birth which I do not give out to someone who calls me. I told them they have not shown me proof and the man on the phone said he has emailed me like 20 times and I told him he did not. He then said " this young lady on the phone is talking to me like she is my mother '' and ended the call.
I have asked Sears/Citi Bank for a long time to remove these late payments. At the end of XXXX they Sears/Citi Bank said I was such a great customer that I did not have to make any payment for the first 3 months of XXXX. As you can see from the prior and post payment history, I was never late paying this credit card. 

So I took advantage of the offer and look what happened? 

Now they ca n't even report it correctly? Every bureau is reporting a totally different and inaccurate payment history. So either remove the fictiticous late payments or remove the entire error ridden account. But do something according to the FCRA & FCBA laws!!!
I have a a unverified account from NORTH SHORE AGENCY. I had previously disputed this account. I have never done business with NORTH SHORE AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NORTH SHORE AGENCY.I declare Myself competent. I am not a Corporation or a Public Entity.NORTH SHORE AGENCY must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, NORTH SHORE AGENCY are agreeing to your Commercial Dishonor, exhausting. My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might  constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 
any additional interest, charges, or other fees placed on this account. I want to request that NORTH SHORE AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I am attaching a copy of the investigation request I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days. Over 45 days have passed, and I have yet to receive my results.
I have filed several disputes with all XXXX credit bureaus and each XXXX is still reporting XXXX XXXX incorrectly on my credit report. This bill was paid off XX/XX/XXXX. Each credit bureau which includes : Equifax, XXXX and XXXX are still reporting delinquency as of XX/XX/XXXX.
I received your correspondence regarding the debt with the above creditor. I contacted them to report unauthorized transactions placed on my account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of XXXX by XXXX XXXX XXXX XXXX and at that time I advised that I wanted the card blocked and to dispute the transactions and request that no further transactions to be placed on that account. I received a new card in the mail which I never activated. I explained that I did have a rental car with XXXX on XXXX/XXXX/XXXX and that the charge of XXXX placed in XXXX was authorized. XXXX XXXX choose to pay the unauthorized charge despite my dispute and since I did not authorize the charges I am not responsible for that amount or any charges incurred based on the payment of that charge. I explained that I will not be paying any of these fees because as I stated I did not authorize these charges and did not owe XXXX this amount. I have already filed a complaint with the BBB due to the poor customer service and unwillingness of XXXX XXXX to process my dispute. I explained that In reviewing my account you can see prior to this I paid my balance in full and had intended to pay off my account until they processed these charges. My XXXX Statement shows clearly that I reported the card lost and yet XXXX XXXX continued to pay charges that were made with the lost/stolen card. The XXXX and XXXX charge both came in on the lost cards account number and yet they paid both transactions. I explained to XXXX that I believed that my card was left at their location and an employee there used that card to post additional transactions to that card. As you can see as of the XXXX statement that card was never used again except by XXXX and that is because it was no longer in my posession. When I brought this to their attention they stated that the employee had been fired who processed those payments and told me to dispute it with XXXX XXXX which I did and still the charge was paid and I was charged the associated fees. Additionally there was no proof of my signature authorizing either transaction placed on XX/XX/XXXX or XX/XX/XXXX which I did request from both XXXX and XXXX XXXX and have yet to receive. Additionally I am requested that this item be removed from my credit file immediately until I am provided with written verification of my authorization of these charges in addition to written verification of my acceptance of XXXX XXXX 's Terms of Service to include my signature. This correspondence was sent to the creditors attorney in XXXX of XXXX and they have yet to respond.
I have an account with XXXX XXXX XXXX. I applied for the card to rebuild my credit. I have a small Account consisting of {$1500.00}. I make the full payment each month. However the last two months the Balance has been over {$1500.00}. They told me it's because I made payments over that amount however I don't know how that's possible because If I try to use the card it will either show " Denied '' or " Approved ''. 

On XX/XX/XXXX i made a payment of {$1500.00}. I was able to use the full amount of my balance {$1500.00}, however when I tried to schedule my next payment on XX/XX/XXXX it said I still owe {$68.00}  due XX/XX/XXXX from the previous month. 

They said every time i go over my alloted {$1500.00} I get reported. I extremely frustrated because of the following : 1. ) I pay my card in full each month but for some reason they with hold or not show some purchases on the card. WHich leads to confusing balance updates 2. ) Then they charge me for over charging my card, which they have t power to deny payments.

3. ) They report this behavior like its my fault they can't keep up with the purchases on my card. I get the negative hit and they make it look like its the consumers fault 4. ) in the end its their fault for not updating my purchases and payments in time.

I'd like to report them for this terrible, unethical behavior. It's bad business.
I never use XXXX in my live and i never been. Btw i just get my SSN since 2012 so please please respond me at XXXXXXXXXXXX or call me XXXX to discuss this matter. Ty so much