WillisBack/dataset-financial-user-claim huggingface dataset:
Since the complaints and lawsuits have been put into the lime light against Navient, and seeing how they seem to align with how I 've been treated, I decided to file a formal complaint. Over the course of my Navient loan I have asked for forbearance, but have also been innocuously ( or so it seemed ) been driven towards forbearance. One time in particular I had gone on unemployment due to a lack of work through my job and had contacted Navient about my inability for a long while to access my account online with them. Through contacting them I talked to a woman who also talked about my forvearance ending soon. So, I brought the XXXX up and she 'd directed me to go online and file out a specific form ... to which I reaponded that i could n't get online. I was told I 'd be sent the form through email ... and I have n't gotten it. Now, come some time later I call and end up going on forbearance because I ca n't get online to access anything they 're saying would or could be provided for me. I feel between a rock and a hard place .... I hear all the time of payments getting lost or mixed up and as a person who really ca n't afford to have payments just *poof* disappear ; I 'm afraid. Now, starting today it seems that I 'm getting calls by random numbers with 90 % do n't answer ratings because they 're false Navients trying to get money. This is all nervewrecking. 

P.S. I just moved to my new address and have not bothered to try to deal with Navient until my forbearance ended. It just ended this month. Which during the same time all the lawsuits came up. I ca n't even just get online to change the address, nor do I have an identification number to give them to bring up my loan. For all intensive purposes when I 'd called them at first the woman did not know if I 'd even had a loan.
I am not really sure about the nature of this alleged debt. I received a call today from a lady identifying herself as an agent trying to collect a debt. She knew my name and the last XXXX digits of my SS #. When I confirmed my last XXXX, she went on to tell me that she is calling about a debt that supposedly occurred over 11 years ago for XXXX. I discontinued the conversation and advised me that she may contact by mail. I have no recollection of this debt. My husband called to verify the source and she advised him that a lawsuit would be involved.
I purchased XXXX gift cards each for {$490.00} + {$5.00} activation fee for each card. When I tried to register and use the cards, I was informed they cards had been " compromised '' as the cards were attempted to be used several weeks before I even purchased them. So they were not activated as a security measure by the company. They informed me they would send me out XXXX new cards to replace these cards. The XXXX new replacement cards were loaded with {$490.00} - {$5.00} fee. So for buying XXXX cards originally, I have now been charged fees on XXXX cards, the XXXX original and the XXXX replacement cards.
For more than six months I've tried to close a Wells Fargo savings account I opened. 

I've personally spoken with several representatives on three separate occasions to try and remedy the situation. Each time being assured the account would indeed be closed. 

Despite those assurances, the account is still opened. I received just today yet another " Wells Fargo savings account updates. '' I deeply regret opening this account. I can't imagine to what end this is benefiting them, it just feels oily in a sleazy unethical way. 

I'd just like to put an end to whatever game they're playing and successfully close this account.
My checking account with JP Morgan Chase has been manipulated for years now. On XXXX/XXXX/16 my account balance was {$580.00}, with a pending ACH transactions of {$120.00} and {$20.00}, XXXX/XXXX/16 account balance was {$510.00} with pending {$60.00}, {$100.00}, {$25.00}, with check # XXXX for {$290.00} out for payment. ACH transaction of {$120.00}, {$60.00} {$100.00} and {$25.00} was paid, which left a balance of {$190.00} that was showing on XXXX/XXXX/16 as the balance in the account. Same balance was on the account at XXXX am on XXXX by XXXX XXXX my alert on the account said I was overdrawn {$190.00} all the ACH transactions that was cleared the day before, suddenly reappeared the next day triggering a negative balance, that incurred ( XXXX ) overdrawn fee. Chase manipulated my account after the check came in on the XXXX/XXXX/16, by erasing the {$190.00} balance so they could sub-batch all transaction from high to low to maximize their fee. Now all the transaction were now showing they came in on XXXX/XXXX/16 so could justify their fee, erispective of how these were posted. I am fed up of big banks manipulation of customers that does not carry huge balance.
interest/fees charged ; attempts at reconciliation rebuffed ; request for records denied as " proprietary ''.
The issue is with Credit Karma. They are a 3rd party agency that gives out false information determines there own factors in credit scores and misrepresent the true score. My credit score changes with them almost daily and goes down even though there is no movement or nothing has changed on my credit report. These kinds of site should be put out of business for reporting false information and leading people to believe what they are reporting is true and accurate when it is not.
My name is XXXX XXXX and I have mortgage with Ditech Financial. First, I to express that is not listed on my credit report because they stated that they do not have to report to the credit bureau because it is a line of credit. Then, I ask for a modification, which they offer me XXXX but it only for a year and starting the second year it will go back to the same interest rate which is XXXX and the modification was a XXXX. So I did n't accept because that was defeating the purpose. They also keep sending me a letter stating that I am eligible to waive my late fee but when I call they said I 'm not but I do n't have equity in the home and Im under water because I owe XXXX but the house only worth XXXX. 

Can you please help?
I have contacted Equifax several times to get this issue fix. I contacted Equifax on XX/XX/2018 and recently on XX/XX/2018. On XX/XX/2018 I received a confirmation # XXXX that the following address has been deleted but these address are still associated with my account. All of my personal information is incorrect with Equifax. My name is spelled incorrect. My employee is listed incorrect and associated or previous address are still showing up on my report. I have included a screen shot of a recent report from Equifax still showing the former addresses listed.I have also included ID for proof of identity for name correction. The only address that should be showing up on my report is the XXXX XXXX ... Proof of current address is also included.
I was a former a student at XXXX XXXX in XXXX Nevada. In order to afford the tuition, I needed to take on private student loans. the school only gave me the option to take loans from their private student loan lender. I was threatened that if I took to long to think about it my classes were gon na be dropped. i was making payments for these private student loans and then they were sold or transferred to Campus Student Funding LLC. The school closed and so did the XXXX. My Federa Studnet loans have been forgiven and not my private student loans. so here I am with no degree and in debt due to the ambitious And scamy practices of my school whose corporate members filled their pockets with the student 's money. I need that my private student loans be forgiven.
At or around  XXXX  I visited Pay-O-Matic to send money to my teenage daughter who was in  XXXX   XXXX . I received a call from my daughter that she had issue picking up and the funds, which I was charged {$24.00} to send and when I reviewed the receipt I realized my daughter 's middle name was listed as her first name. I returned to the Pay-O-Matic at  XXXX  when I had a short break between work calls, I waited for the cashier who helped me to complete the transaction with her client, I signaled the gentleman who was next in line alerting him it would only be a second because I was there earlier and the young woman made a mistake with my transaction. He graciously allowed me to go and I showed the clerk the error, and she responded " you still need to get in line I cant let you skip the line. '' I asked for the  manager, sh e said " she 's right there but you still need to wait in line. '' I called the number listed in store  (   XXXX  ) to speak with someone re : the improper information entered and the fact that I was frantic when my daughter extremely needed the money and could n't receive it because of the clerk 's error. I also want to note that while t he manager calle d in to fix my transaction ; she asked I move to the side to handle the next customer.   My daughter has gon e to two lo cations, had to pay transportation and could n't receive her funds. The customer service I received was poor! especially given the fact that my  XXXX . was thousands of miles away, I paid for money in minutes it has been hours and I was made to wait additionally while the crowded check cash continued business as usual, and helped someone else through my turn.   I am asking for a formal apology from the business, and a refund because I paid {$27.00} for daughter to receive much needed money in minutes, and because of clerk/ashier error it took hours.   I also believe that the business needs to speak to the staff about quality customer service despite demographic community/area served.   On review of the slip it was completed correctly, and was data entered incorrectly. I look for speedy resolution.
Im continuously harassed while at Wells Fargo bank branches in Arizona. I had to endure further harassment and discrimination today at a Wells Fargo branch. The bank limits my daily purchases to {$310.00} dollars, The bank refused to increase this limit. My Wells Fargo debit card information has been stolen at least three times in Arizona, The police have refused to process police reports in regards to this, since its based on obvious hate crimes, fraud and negligence involving both government officials and the Wells Fargo bank.
Comenity Bank is the worst company I have ever dealt with. One of the worst cards to apply for. My card was issued through HSN, after buying an LCD TV through HSN for {$1400.00} and I now been paying this company over {$2200.00} with late fees and VERY HIGH Interests, they are still reporting me negatively ( every Month ) to Credit bureaus. Hate Comenity Bank they do n't care if you are up to date with your account. DO NOT APPLY FOR THIS CARD!!! They are one the most unorganized, unprofessional company I have ever worked with, VERY RUDE customer services. 
Buyer beware, this company will not ever lower your interest rate no matter how good your rating is with them. I been charged for late fees OVER N OVER, again - If anyone is STRATING A class action suit - I will join please let me know.
I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XXXX of XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX mortgages. XXXX XXXX  the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial XXXX meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you.

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.
Today is XX/XX/XXXX, I have not receive a letter or bill from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX College. I did get a letter from Allied Account Services Inc with XXXX XXXX  creditor for {$850.00}. I was confused about who and where this bill is with. I did not know that I could dispute it. There was not a letter sent out saying that I could dispute the bill.
We attempted to buy a home underneath the minimum timeframe from foreclosure in order to qualify for a conventional XXXX loan. We had been renting for over 2 years and finally had the reserves to try to become homeowners again. We learned of the possibility of a private investor option due to our high income, exceptional credit score, and available cash. We attempted to go this route with dire consequences. 
The details of the case follow below in format of the letter written to the company on the day of the 4th and final scheduled closing. We contend that displeasure with this letter led to a final denial of the loan. This was a disastrous event for our family, as we had no home to live in for over 2 weeks while also being saddled with excess and unexpected moving and storage expenses. It was traumatic and unnecessary. Upon reflection of the situation and wondering how the loan could have been denied with such speed ( finally ) on that very day, I realized that my gmail account contains a photo, which would have shown up with the email. I am an XXXX, my husband an XXXX and we have XXXX. Implicit bias is a real problem in America. This kind of racism is worse than the display of derogatory words as graffiti in a neighborhood. 
Whether or not this is found to be racially motivated, it is definitely unethical at best. 
We wish to call attention to this private & unregulated money industry that is beginning to invade a real estate market still vulnerable from the wounds suffered by the regulated mortgage industry. This company overpromised and when signs of incompetence began to surface and questions begin to be raised, they under delivered, using the excuse of **loan conditions apply. There has to be a limit to when these companies can pull the rug out from underneath American families. This was not a business deal gone wrong, it was the livelihood of XXXX adults and XXXX
Midland was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded
I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX Unsecured Loan, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX   XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Equifax, XXXX and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.
NOTE : This is a problem with XXXX, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XX/XX/XXXX, I signed up for a Wells Fargo " Student '' Visa credit card. I used the card normally for three years. 

In XX/XX/XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XX/XX/XXXX, Wells Fargo had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for Wells Fargo to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted Wells Fargo and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, Wells Fargo marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and Wells Fargo ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about XXXX. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of  the thre bureaus, but not XXXX. XXXX acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted XXXX over the phone, and today signed up for an account on their website so that I could document their refusals. XXXX maintains that they're under no obligation to review my dispute, since I've " already disputed '' the information.
I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX , XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Account is not mine. Credit alert set up and police reports sent in regards to existing fraudulent accounts. 

This frauduent account new on my credit report : Date account created was XX/XX/2015 right after my ID theft report. 

Never opened this account, never been late on a non existing account. 

Account number on credit report : XXXX Called with no resolution. 

Please resolve, thank you both XXXX and Transunion, XXXX XXXX XXXX
On XX/XX/2018 I was scammed by an XXXX  page name @ XXXX # XXXX, PayPal account was XXXX XXXX XXXX, and email address XXXX who was pretending to be a tattoo artist whos whole XXXX  page was a fraud he used images of other peoples work. He tricked me into sending him XXXX dollars for a tattoo deposit and because I sent it as ( send to a friend ) to him so he would receive his money faster I wasnt able to cancel for a refund and PayPal denied my fraud dispute. I was totally scammed
Re : Equifax tracking # XXXX Customer Reference : XXXX Equifax sent a credit report for my XXXX listing XXXX judgments and over XXXX liens, all of which pertain to other companies, not mine. 

-- XXXX XXXX has only ever operated in the State of California, with all our clients also located in the State of California. Most of the companies listed in the report are from other states. 

-- My business has never missed or been late with a credit card or any other loan payment. 

-- My business has never had a judgment against it, nor has there ever been a legal claim filed against it. 

-- There are not now, nor have there ever been any liens against my business.. 

Therefore, the listing of companies that have nothing to do with myself or my business, is erroneous and the result of either fraudulent claims by other parties or negligence on the part of reporting agencies who failed to cross-check names, TIN numbers, and/or addresses. 

These errors have adversely affected my credit report, resulting in the loss of credit from at least one lender.
We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
Hello, I have a Rush Card. Today I loaded XXXX dollars to my card at XXXX though greendot. Then I called to check my balance to make sure It was credit. It said it was. Later I went online to pay my care note and the system said I have insufficient funds. I called Rush company, they had me on hold forever. I talked to XXXX ppl. Then I finally talked to someone they said they cant locate my money. I provided ref # and everything. All they tell me that they send to higher authority and there 's nothing they can. So now Im out of XXXX dollars and carnote not paid. I read on the internet ppl have not be getting their money. what can we do about our money.