WillisBack/dataset-financial-user-claim huggingface dataset:
I do not have exact dates as this problem has been ongoing since    XXXX   XXXX   2016.  I am currently a   XXXX   XXXX  , unemployed, with a cosigner who is also  unemployed . My income is  XXXX  $ I am o n scholarship a nd   XXXX   at my   XXXX   XXXX   and have absolutely no way to make any sort of payments to Navient. I have been told numerous times by Navient there is a form online to fill out, which I have completed and sent back, only to be told that I must mail the document in. I have sent transcripts and asked for an explanation however, the responses I received were automated. I do not currently have a cell phone, I live abroad and rely solely upon wifi. Navient refuses to resolve my issue via secure emails and will not discuss the problem with my cosigner. My cosigner has attempted to talk with  Navient  as well, they assured her that my loans could be deferred  as I am a full time student  however they need to speak with me. This all could be easily resolved if my cosigner were allowed to speak on my behalf, yet apparently this is not an option. I am now receiving emails telling me it is nearly too late, I have logged onto my account, desperately tried to find a REAL person to email my issues to and have had no success. Each email I send is responded to with a computer generated message asking me to call instead. I am incredibly frustrated, I have never had a good experience with Navient and would like this resolved immediately so that I am not further into debt than I already am.
I just got back my Equifax dispute results and It says that I did not include account names, numbers, and the nature of dispute. Which is wrong since I always put account numbers and company name and nature of dispute. I was disputing XXXX XXXX for not verified because Equifax has not supplied me the documents used to verify this debt. Also they have not provided me who and when they allegedly verified this debt. Confirmation number is XXXX
i deposited a check I received with USAA FSB. Days later, the check was fraudulently cashed a second time, so the deposit was reversed from my account. I contacted the issuing bank, XXXXXXXX XXXX, and they requested that I contact USAA bank to initiate a fraud claim, but USAA FSB claims they have no process or interest in processing a claim, so I am left with {$420.00} fraudulently being taken from my account and USAA FSB refusing to help.
I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and XXXX XXXX showing on my credit report on XX/XX/2018. I asked for Equifax, XXXX, and XXXX to please validate this information with United States Bankruptcy Court XXXX District of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX District of Alabama stating they do not report this information.
I see in my report that an address that I have never lived and that the company XXXX has me in collections. I have never opened an account with them I have called the company and they have forwarded me to a collection agency. I keep on telling them that they charging the wronge person but they have not done anything. The address that shows up in my report as XXXX Ny. I have no clue of that address because I have never lived there nor have any clue of that place.
On XX/XX/2018, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/2018, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/2018 to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.
On XX/XX/2016 I notified my property managers that I will be vacating my rental due to XXXX orders I provided them with the orders to break my lease. I left country XX/XX/XXXX and did not occupy the residence in the month of XXXX. The property managers however threatened to report me to the credit bureau as well as keep all remaining funds from my deposit if I did not pay the month of XXXX as well as asked me to pay from XXXX XXXX XX/XX/XXXX and whatever they do not spend they would send back to me but I refused due to military rights and clause. They reported me for unpaid rent and damages that are false. I did an inspection with one of the property managers as well as forwarded an email with proof of cleaning services but they still falsely reported this information to the credit bureau. during our walk thru the manager stated that holes in the walls from pictures will be taken out of the deposit I agreed and the manager stated that it wouldn't be no more than {$200.00} of which my deposit was {$690.00}. I also purchased new blinds and fixtures for the entire apartment, no other damages were noted. I ask that this be removed from my report due to false information and threats to attempt to seek debt not owed
Open credit card accounts : XXXX XXXXXXXX XXXX XXXX Reported XX/XX/2018 Balance : {$380.00} / {$300.00} XXXX/XXXX Reported XX/XX/2018 Balance : {$590.00} / {$500.00} " Identity Theft Victim / Equifax Data Breach '' I never authorized ( authorization ) too pull / view my credit report too open accounts!!!
I bought XXXX computer using barclay card with 0 % APR for 12months. I was paying {$100.00} every month. In XXXX 2015 the remaining balance was {$200.00} and was charged with XXXX dollars of interest for not paying off entire balance on time. It turns out that it was deferred interest card. Well nobody told me that when I was signed up for card. What kind of practice is that? They made XXXX and lost customer. I will never use barclay services.
Refer to complaint # XXXX This is a continuation of the complaint, which is still not resolved. While they are no longer calling me 8 times per day, they are still calling from collections. I began asking for the XXXX XXXX form for my private student loan with Navient in XX/XX/XXXX. To date, I have received no such form, despite requesting it twice and being told that it had been requested and sent. Today, I was FINALLY given a number to their XXXX department, where the advocate said it had never been sent. In the meantime, my credit score has plummeted from XXXX to XXXX soley due to their reporting of my delinquency. This collection and reporting should have stopped when they sent out the form, which they did not. The advocate said today that she would fax the form tomorrow to my financial counselor, and that this would all be cleaned up once the form was approved. However, I have reason to believe that this might not happen, since they have not been forthcoming with me. This has caused a lot of frustration over the past months. I 've been lied to and sent in circles, being transferred from one wrong department to the next. This phone number should have been given to me back in XX/XX/XXXX at my first inquiry.
Synchrony Bank single handedly made my credit score plunge BY cutting my credit limit and causing my cards to appear at XXXX % utilization rate. I have XXXX credit cards ( lowes, walmart, amazon, tjmax- score lowered and XXXX closed ) with this bank and it is no question that they cause me great harm. My score dropped so low, I was denied a mortgage because of their malicious credit practices that are truly unfair to the consumer. I have never been late on any payments and have always paid as agreed. Please investigate their malicious practices. If I could sue them, I WOULD and have placed a formal dispute with the company.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX this account doesn't belong to me. Please delete.
To whom it may concern. Not only did you not respond to my QWR in XXXX days you have not fixed your errors. As you know the CFPB has been notified and you finally sent me a letter saying you are researching. Not only did you not apply the XXXX payment correct. I had not received a bill from BSI or statement since XX/XX/XXXX. I paid off what was due and had still been fighting your incorrect again applying of funds there. XXXX is trying to make late as no bill and no online access. I received nothing for months and asking. Also your online statement shows nothing. I have emailed with zero response for a month. I copied CFPB on emails with supporting documents of my screen shots as well as attorney who is compiling all of the violations. I finally received XX/XX/XXXX bill on XXXX/XXXX/16 mailed by BSI on XX/XX/2016. Strange how that worked having to go to CFPB just to get XXXX to actually follow the rules. As a servicer as well the overall incompetence and overcharging has been caught. As with adjustable my payment in XX/XX/XXXX was XXXX which is the only time it can adjust yet all of a sudden now you are charging a different amount which is illegal and the changes were never put in to writing from you. It was just added as you felt necessary and I went through my entire loan with lawyer and we have actually found a great deal of violations which will entitle me to thousands now for the bullying and false charges throughout on this. I do not know why XXXX can not fix their wrongs correctly. It just so happens that my niece is now dating a man that used to work for XXXX and now is at another commercial loan company and he was pretty high up at XXXX as well as XXXX assets and a lot of information is coming out from this. It is quite interesting how this will be public with an investigation now by some lawyers and other people in southern California coming forward. Stop stealing money and apply the payments correctly. I should now be paid up through XX/XX/XXXX with all the charges that were wrong and still XXXX later can not be applied correctly. Also per the statement directly from XXXX in XX/XX/XXXX my XX/XX/XXXX payment had a partial of XXXX just sitting in the account and no one told me you were holding extra money. She said to pay XXXX so the entire XXXX would be applied but now XXXX just changes when they want. It does not work that way.
I have a home mortgage loan with Bank of America for a rental property I own that went through a loan modification from XX/XX/XXXX-XX/XX/XXXX. I made all of the modification payments on time, and I received a permanent modification of the loan in XX/XX/XXXX. Bank of America has sent information to all XXXX credit bureaus showing that the XX/XX/XXXX payment was late. I only realized this error was on my credit report recently after going through the process of trying to refinance the mortgage at my primary residence. I spoke with Bank of America several times about it, and they have consistently stated that their records do n't show that my payment was late. I have tried to dispute the item with XXXX and XXXX several times, but they are telling me that Bank of America 's records show the payment as late. It is very difficult to talk with someone at the credit bureau to understand the source of the records, but it clear at this point that Bank of America has sent erroneous payment history to all XXXX credit reporting agencies. I also completed a loan refinance for my primary residence last year, and I had to accept a higher interest rates because my mortgage FICO scores were higher than my regular FICO, due to the error from Bank of America, which is the only late mortgage payment on my credit report for the last 10 years ( and half of that time, I had XXXX mortgages ) .s.
I had several accounts at Wells Fargo From XX/XX/XXXX - XX/XX/XXXX and I was forced to take my banking elsewhere because My account magically kept going negative and i was getting inundated with service fees on a daily basis to the tune of hundreds and possibly thousands. I lived over an hour to the nearest branch and kept on having to drive to XXXX XXXX XXXX just to make deposits in the middle of the night. I knew something was a miss but things kept shuffling around. Wells Fargo Was an account I set up on line Several years ago and started using it as they were getting larger and were possibly moving up towards the massachusetts area. After several accounts were set up and kept overdrawing at one point they froze my account and kept charging me overdraft fees and I had to pay them all down because otherwise I could n't open up another bank account with another bank as the XXXX would block me and show I owed money to Wells Fargo. Now, after seeing that these accounts were manipulated I am sure that my account was one of them. I had direct deposit and service fees and set up fees kept showing up and wiping my balance down so I would bounce checks and incur even more fees. It was a nightmare and I feel I was part of this scandal as my accounts can easily be verified and confirmed. My full name is XXXX XXXX, THe last checks I had from Wells Fargo would Show the address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX or a XXXX, XXXX Address. 
I was forced to pull all my banking at one point as my money kept disappearing. I know this was intentional and now after seeing this scandal I am convinced it happened to me. 
My email address is XXXXXXXXXXXX and my Cell number is XXXX but I know the bank has all my records going back.
On XX/XX/2018 XXXX XXXX XXXX of XXXX MI, my brother, attempted to make a money transfer from his XXXX XXXX ( XXXX, Il ) bank account to the checking account of XXXX XXXX XXXX of XXXX MA ( family friend ). XXXX 's bank is XXXX  XXXX XXXX ( XXXX MA branch ). The amount to be transferred was {$6600.00}. The funds were the last installment of a XXXX administered by XXXX for my use. The money never arrived. 

XXXX has pursued the matter with XXXX XXXX, who said they can not be held acccountable, and I have contacted XXXX 's bank who said that as the receiving institution there is nothing that can be done from their side. Each bank claims that an investigation needs to be made from the other bank. 

These funds are critically needed by myself and my wife ; both of us are XXXX and without other income apart from Social Security. I have all the relevant account and routing numbers if you need them later on. Many thanks, XXXX XXXX XXXX XXXX XXXX
On multiple occasions I have disputed information with Equifax and recently I have put in writing as I have on multiple occasions asking to be provided with whatever documentation they are receiving from the creditor that is verifying the information and during my last call with them acknowledge receiving such information but said they do n't have to comply in so many words I 've requested many things of them in writing and each and everytime they say they do n't have to provide it to myself.
It 's funny how two years in a row, when I try to retrieve my free annual report via the annualcreditreport.com site, the most consistent bad actors are XXXX and Experian. I have run into issues that ultimately prevent me from retrieving my free report. This year, I tried and received a blank page from Experian and a " Technical Difficulties '' page from XXXX. However, XXXX was able to show me my information just fine. This seems like a catch all, because when I attempt to get my report from Experian or XXXX via paid means, everything works just fine.
i requested a loan modification in XXXX 2013. I was put on a 3 month trial, made all 3 payments on time and was told it would be approved. Then in XX/XX/XXXX, I was told that Ocwen did not receive approval from the Bankruptcy court for this modification so it was denied. I have paperwork showing it was approved. Ocwen then modified the terms of my loan without my knowledge, back-dated the paperwork to XX/XX/XXXX and sent me my contract that they signed in XX/XX/XXXX but I signed in XX/XX/XXXX. My escrow was at a negative balance at this point, they never applied any of my payments to my escrow for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and are telling me I am delinquent. I have a letter from the Office of the Consumer Ombudsman stating they were going to advance my mortgage two contractual payments to bring me current and i am now being told it will only be one month and I am still delinquent.
I used Care Credit in XX/XX/XXXX and charged {$1400.00} on the card which was under promotional for a year. I paid most of it off and had a balance of {$490.00} in XXXX the month before the promotional offier was up. It also states that my deferred interest charge if not paid by XX/XX/XXXX I then needed to get dental XXXX again XX/XX/XXXX and had to charge {$2000.00}. It seems as though they added all of the interest going back to my XXXX XXXX promotional offer. As of today my balance is {$2300.00} They have been putting money toward my XXXX promotional offer and my balance for that is now {$1700.00}. I made a payment for {$1500.00} today. I was not aware that I had to request the payments to go toward the old balance that incurred the interest rate of 26.99 %. I had known this before I would have called and requested my payments to go toward the other balance with the high interest rate.
This company is reporting inaccurate information on my credit report. 
I have contacted them by mail twice with no response after 30 days Source Receivables Management XXXX XXXX XXXX North Carolina XXXX
XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have concerns with how Navient handled my consolidation loan repayments since consolidation over two years ago. It appeared to me excessive interest payments and fees were charged based upon how Navient structured the loan repayment start dates so as to, in my opinion, intentionally maximize their interest rate profits at my expense.

As of last month 's payment XX/XX/2018, Navient had in place an online feature which included a running balance feature. This feature is crucial for loan repayment as it allows us, the consumer, the ability to spot any errors and to quickly spot, exactly, how our payments are being allocated. More importantly, it provides a permanent record of all transactions on our accounts. The removal of the running balance feature creates a tremendous hardship for the consumer in having to factor extensive math equations in order to keep for themselves accurate running balances.

Why has Navient removed this feature? It is troubling that Navient would remove this running balance feature, especially now, in light of the complaints filed in recent law suits alleging Navient has mishandled student loans repayment monies. Please advise.
In XXXX, I was made aware that Condor Capital had been forced to close their offices in XXXX due to predatory loaning practices. I then received a bill from Condor Securitization Trust, and was told to make my payments to them. In XXXX I began to suffer financial hardship as I found myself homeless due to unforeseen circumstances and began falling behind on payments. In XXXX I decided to move out of state and voluntary-surrendered my vehicle and this is where all of the frustrations began. After surrendering my car on XX/XX/XXXX, the company could not tell me the status of my vehicle. I requested further information on the location of my vehicle and never got one. They could never provide me with further information and every time I called I was n't given proper information. My car was auctioned off and I did not receive a notice of sale until after the sale was made in the amount of {$2500.00}, leaving me with a balance of about {$11000.00}. After covering the repossession fees only {$1500.00} of the sale was put toward my loan. I finally found work and wanted to begin making payments toward my loan. Since I had n't heard from the company I decided to reach out to them to try and work out a payment arrangement that was less than {$380.00} as I 've just started working and took a reasonable pay cut because of the area I moved to. They proceeded to tell me there was nothing they could do. I asked to be transferred to a legal department or collections department and was told they could n't do that. I was told I could make payments online and that my account was fine. When I went online, and tried to make a payment the site said I could not make a payment with a credit or debit card and needed to call them back. So I immediately call them right back and was transferred to this woman who claimed that my account had miraculously been transferred to the escalation department ( in the matter of 10 mins. ) and that i could only make payments via XXXX XXXX or XXXX XXXX. Then as I reviewed my account it says that my last statement created was inXX/XX/XXXX, but they claim they 've tried to get a hold of me to make payments, but I updated my account information with them when I moved and never received anything from them. Then the website says the last payment made on the account was onXX/XX/XXXX, but they claim I am 108 days late on making a payment. I am frustrated and feel as though something sketchy or unfair is taking place because the company can never give me a straight answer.
This account was previously disputed and removed from my XXXX Credit Report in XX/XX/2016 under XXXX XXXX. Now it has been put back on my Report by XXXX XXXX. 
As I have explained to them this is not my account. I know nothing about it, and it should not be on my Credit Reports.
I 've received  two calls, one o n Thursday   XXXX   XXXX   at   XXXX   XXXX   and  one t oday    XXXX   XXXX    at   XXXX   XXXX  . Both times they left a voicemail saying, " We have an important message from   XXXX   XXXX   XXXX   this is a call from a debt collector please call  XXXX . '' I have no debts. This is a scam
I found in my Equifax credit report my personal information a wrong date of birth. In credit report they have XXXX XXXX XXXX as my date of birth which is inaccurate. My correct date of birth is XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). I want this to be updated as soon as possible. thank you.