WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX My name is XXXX XXXX Called Navient on XX/XX/18 ; who is really XXXX XXXX on a Education Private Loan ; I have with them ; I have income based repayment plan with ; I was calling them because I received paperwork I was passed due ; I have checking allotments ongoing with them for 8 yrs now ; They said my recurring payments had ended, So I wanted to set up another repayment plan ; XXXX the representative stated I could only do an extension They upped my payments to {$250.00} from {$240.00} ; I explained to them I was a XXXX  ti my XXXX mother could not go further than the {$240.00} ; I was told by XXXX if I didnt pay the amount would not hav the repayment program plan ; Grudgingly I said I would try When he set my payments on a recorder he changed the payments to 6 and 6 6 months @ {$250.00} and another 6 months @ {$480.00} ; I told XXXX Its no way I could afford {$480.00} ; he stated if I refused I would not have the low income repayment plan forced me to electronically sign ; He asked me did I hav a lawyer ; I told him after this I need to seek one ; This was a SWITCH and BAIT Transaction ; XXXX XXXX XXXX ; XXXX ; Va XXXX
XXXX XXXX has made many attempts to collect a debt originally granted from GE Money Bank. They are reporting this collection to my XXXX credit bureau reports. After many attempts on heir part I finally agreed to pay {$25.00} a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. XXXX has now come to my attention and I believe that I qualify for protection/relief under this action.
Navient instructed us to place student loans in forbearance when my wife lost her job, knowing they would still be able to charge us interest on all the loans which amount to over $ 100K. They never informed us of other options, only instructed us that was the only option. 

They allowed this practice to take place of over a year, which only increased the amount that we now owe. This took place throughout XX/XX/XXXX and XX/XX/XXXX. When we were no longer able to place the loans on forbearance we were then instructed on income driver repayment plans which is convenient for Navient seeing as they charged interest on $ 100k+ for over a year at an average rate of 8 % -10 %. 

Fast forward to now, my wife is still out of a job due to childcare needs and we are in a income driven repayment plan that I more then we can handle, which was explained over the phone to Navient but they did n't care. Navient refused to take into account other student loans, medical bills and at the time a mortgage. We have since sold out house and moved in with family, a family of XXXX living in the basement of their parents. This could have been avoided if Navient were flexible and straightforward with our options. 

Navient is all over the news for this practice, we to have fallen victim to their practices of forced forbearance. Our credit scores have been affected as well because the ever changing practice of how the accept payments. After setting up a repayment plan Navient conveniently set up the payment date to take place AFTER the loans were due, proceeded to then charge late fees and report the late payments the credit agencies. 

I write this now as our repayment plan will need to be reevaluated this month with Navient, a process that I know will take weeks of constant phone calls only to find out that they do n't care about how we live our life, only how much money they can steal from us. 

I would like to be added to the open Navient law suits, my family is a prime example of the scams Navient has burdened its customers with.
The beginning of XXXX 2017, another individual used my information ( Name, address, social security ) to apply for multiple new lines of credit. Whilst most of them got denied by using proper security checks, two credit  card companies allowed this individual to successfully open a credit card using my information. Here is the info that I have from my XXXX report : 1 ) Barcalays bank :  Account Number : XXXX 2 ) XXXX/XXXX 's : Account Number : XXXX As soon as I realized these accounts were opened, I put in a dispute with XXXX. I also opened an account with XXXX. Using their recovery program and by contacting both Barcalay 's Bank and XXXX 's myself, I was able to get XXXX 's removed from my credit report. However, Barcalay 's bank is not working very well with me. I have called them myself and when I give them my information, name, social, etc.. They continue to tell me they ca n't find my account information. I have also mailed them multiple times. Then I received a call at my grandparents house, where I do n't even live, from Barcalay 's bank asking me by name because my account is overdue ( they were calling every day for about a week ). Luckily I was there one day when they called and I explained the situation to the representative and she said she was going to transfer me to the " security team. '' I then waited on hold for a couple of minutes then the line went dead. I called them 3 times since and each representative still tells me that they ca n't find my account by using my name or other info, but yet they called a relatives house and were asking me by first and last name. The next step on my identity theft recovery program is to put in a complain with you.
I contacted American Express at XXXX at approximately XXXX ET on XX/XX/XXXX in an attempt resolve an issue with credit reporting on my card. When I finally got through I explained my situation to the representative on the phone, the rep then transferred my over to another department who was offshore in XXXX. When speaking to the rep I explained my situation but he offered no formal process of even reviewing my request. He would not even hear it, I was expecting an American company in accordance with U.S laws and the FCRA to offer me a process to review and ultimately resolve my issue.
The secured credit account was closed by the issuer in XXXX XXXX. At the time the card had a XXXX balance and had not been used for over 60 days. I received my full security deposit. I checked my credit report in XXXX XXXX and it showed the account as closed in good standing with XXXX balance. I checked my report in XXXX XXXX and it showed the same good standing entry, but also showed a XXXX entry from same company first progress showing my account in a negative standing with past due balance. I want this negative entry removed from my credit as I 'm not liable for this fraudulent entry
I have XXXX accounts that are reporting incorrectly 1 Nj Federal court say loan type credit card chapter XXXX account # XXXX 2 XXXX XXXX account # XXXX this is being reported incorrectly 3 XXXX account # XXXX this is also being reported incorrectly
After comparing a credit report pulled for a mortgage with my XXXX XXXX account I noticed that there are XXXX different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.
I paid off my balance on XXXX/XXXX/17. Unbeknownst to me I was a day late. I incurred a {$30.00} late fee twice and XXXX {$2.00} minimum balance fees. I thought my bill was paid off but what was happening was a bill of fees. Very unethical standards for this XXXX account held by Commenity
The Sun Loan account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you XXXX XXXX
I recently discovered that Citi has been charging me a monthly fee for a " Payment Safeguard Protection '' program that I did not enroll in. I contacted the company and they have canceled my enrollment but were unwilling to refund me for the unapproved charges.
Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from Chase without my knowledge. Please advise!
Summary of why I have filed a complaint to the CFPB Consumer Financial Protection Bureau. I responded with and answer and affirmative defenses. I also responded with Affirmation defenses with a request for mediation. All paperwork was filled out sent in. A check in the amount of {$170.00} was also sent in when requested to be forwarded.   I have also sent in many requests for a QWR qualified written response to the lender  Wells Fargo.  We get a standard request back stating that the questions are to board. The questions are specific to the loan that is on the address   XXXX   XXXX   XXXX   XXXX   NJ  XXXX . You will see in the packet that what was sent in was tracked through certified mail to all parties. What we are looking for is a simple request to be able to stay in our family home and can move forward with mortgage payments to be made.   I feel that our file is not being reviewed correctly because of my line of work that I am in. I have not kept any secrets of what my line of work has been. When I was asked what I did for a living I was more than open to explain in detail if the bank had asked. I have become and advocate for the people homeowners who want to keep their homes. A voice for homeowners like myself that had once fell on hard times and could not afford to pay a mortgage.
Received an email stating my XXXX XXXX gift card was ready to cancel click here. This link led my to a paypal site that had me enter in my social secutiy number, D.O.B., birthdate, address phone number, credit card number-expiration date. Once I enterd this then asked for my mothers maiden name as a security question. Then requested a photocopy of my license which I did not send, by then I realized I had been phished and immediately exited the scam site. No fraudulent activities have occurred yet but someone has my information and I fear they will open credit cards or obtain my social # and identity for malicious purposes and their own financial gain/benefit. This report is to help aid in clearing my name in the event of future neglect in any of the fields listed above. This is the email origination -- -- -- -- -- -- XXXX XXXX XXXX
I reported 5 unauthorized transactions that took place on XX/XX/XXXX and XX/XX/XXXX XXXX  for a {$30.00} unauthorized charge another charge for {$10.00} from the XXXX. On XX/XX/XXXX unauthorized charges from XXXX for {$19.00} and XXXX for {$7.00} and {$5.00}. The total amount of 5 unauthorized charges were {$72.00} The dispute reference # XXXX for 1st Bank XXXX XXXX XXXX XXXX CO XXXX Phone number XXXX. I was informed that the dispute would be resolved and card was cancelled. The representative ( XXXX XXXX ) appeared to be reluctant in resolving the matter. Her response was that unauthorized charges were impossible? She then stated that the matter would be resolved and that charges would be reversed and NSF fees would be reversed as well. I feel violated from unauthorized charges from the perpetrators and 1st bank. To this day nothing has been resolved.
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXXXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XX/XX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XX/XX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in XXXX days time period .all letters attached. please remove following inquiresCreditor Inquires DatesCAPITAL XXXX, XXXX XXXX/XXXX/2015, XXXX/XXXX/2014, XXXX/XXXX/2014, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
I have a credit card with XXXX XXXX I for about a year, but I have been a customer for years. The bank that backs the card is XXXX XXXX. The bank has decreased my credit amount from {$900.00} to {$400.00} dollars since I filed a complaint with you against them for not applying my payments and charging me late fees. This bank for this XXXX XXXX card has restricted my access to use the credit on this card. XXXX XXXX is still charging me interest on the XXXX credit card after I closed the account. I want to close this account, but I believe they will continue to charge interest for a closed account. 
I believe they retaliated by decreasing my credit limit from {$900.00} to {$400.00}, and now has restricted me from using the credit on this card.
To whom it may concern : I am writing in regards to Ocwen Loan Servicing, LLC failing to comply with my rights under XXXX. 
XXXX XXXX, I signed an agreement in regards to loan modification, in XXXX XXXX I completed the XXXX  month modification. The opposing council XXXX XXXX XXXX XXXX falsely stated that I had not made the initial modification payments in XXXX XXXX, I proved that this was incorrect with my receipts. In XXXX XXXX, I entered a lawsuit against Ocwen in regards to them calming that I had defaulted the signed contract in XXXX XXXX due to late payments. 
Ocwen is calming that I owe XXXX shared appreciation amount. On XXXX XXXX, XXXX my lawyer mailed them a XXXX requesting a detailed calculation of XXXX XXXX, XXXX payoff quote. They have failed to reply. 
I am currently unable to access my mortgage account, when I contact Ocwen they tell me that I must contact my attorney. In XXXX XXXX XXXX XXXX Ocwen failed to report my timely monthly payments to XXXX XXXX XXXX XXXX XXXX credit agencies. I disputed the issue in XXXX XXXX my credit history was not updated. To current date my payments has not been reflected in my credit score. 
On XXXX XXXX, XXXX, Attorney General XXXX announced that Ocwen customers were to receive XXXX XXXX as part of a XXXX XXXX national foreclosure, mortgage servicing settlement. I believe that Ocwen has made multiple mistakes in regards to my loan modification, I currently want Ocwen to give me a detailed calculation in regards to how they came up with the XXXX in back payments, and why on XXXX XXXX, XXXX there were XXXX property inspections in a single day and XXXX falsified mortgage payments from XXXX XXXX, XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX myself, as well as my attorney who was on a conference call with me, called Ocwen to find out more information, Ocwen refused to answer any question about my loan account. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX signature card, I was denied due to the reported poor payment history with Ocwen. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX card and then again was denied due to the reported poor payment history with Ocwen. 

Thank you for your attention to this matter.
On XX/XX/XXXX I forwarded a {$1600.00} loan payment to Rushmore Loan Management Company. These monies were for one complete payment and a partial payment. On XX/XX/2018, Rushmore Loan Management electronically cashed this check. In XXXX I was getting phone calls stating my loan was in default. I questioned this as I had sent in the {$1600.00} payment. I have gone back and forth on this matter with Rushmore from XX/XX/XXXX to the current date of XX/XX/2018, with no resolution. Rushmore told me they would have to investigate this matter as they stated they did not receive payment. I called my financial institution to get a trace number so that Rushmore Loan Management could find this payment in their system. To date, I am being told this is under investigation. Two weeks ago, a XXXX XXXX 's bank representative and myself made a conference call to Rushmore loan management in another attempt to find out where this payment has gone. This phone call did nothing but leave me in the investigation phase. In the meantime, Rushmore is refusing to take any further payments towards my loan ; stating that one payment does not make up for what is currently owed. 

My house is currently under contract with a closing date of XX/XX/2018. Despite my constant attempts to resolve this matter, I have been unsuccessful.
XXXX viewed my Experian credit report on XX/XX/XXXX without my consent or authorization. 
XXXX XXXX XXXX viewed my Experian credit report on XX/XX/XXXX without my consent or authorization. 
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and Experian disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my Experian file.
In 2013 I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed XXXX XXXX {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with XXXX to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XXXX. XXXX refuses to update that this account to the credit agencies. Two agencies say I owe XXXX {$320.00} and another says I owe XXXX {$770.00}. I have paid them every penny I owed them and I have disputed with all 3 credit agencies, Experian, XXXX and XXXX. They all tell me XXXX has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.
We had Hurricane XXXX damage XX/XX/XXXX and Ditech was our mortgage servicer until XX/XX/XXXX and now its XXXX XXXX XXXX. Ditech held the insurance funds and would reimburse us as we submitted receipts of repairs. However they cut a check XX/XX/XXXX to us and our roofer even though the roofer had been paid in full. I called to let them know this should have been paid only to us and at my expense I overnighted the check to Ditech. They as if today never forwarded those funds to XXXX which by law should have been sent within 30 days of XX/XX/XXXX and today is almost 4 months. Ive called Ditech multiple times and submitted a complaint online and all they tell me is to call the new mortgage servicer XXXX. I have contacted XXXX and they NEVER received the funds to disperse to us and Ditech will not tell me the status of the check that I returned. This is unethical and unlawful way to do business. We can not afford a lawyer as being displaced for over a year while in good faith paying every mortgage payment plus utilities at 2 places and still trying to get our home back together - we need help.
wrote two letters to this company last XX/XX/XXXXand again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.
A new servicer took over our home loan recently and has started charging a service fee of {$15.00} for regular online payments using our bank account. Our previous servicer never charged us a fee to make regular online payments. I disputed the charge the first month over the phone and it was waived. I was able to make a payment online last month without a charge. This month the website indicated I would be charged {$15.00} to make the payment. I called on the phone and disputed this again. The said the lowest they could charge would be {$10.00}. I told them that if they insist on doing this, I will file a complaint with CFPB. I was forced to make the extra disputed {$10.00} charge to make sure the payment would be there on time within 4 days left in my grace period.
Paid {$420.00} for appraisal on home based upon rates that were originally quoted for a mortgage from Finance of America Mortgage dba XXXX XXXX. When documents for mortgage were provided the quoted rates were higher by XXXX. I elected to go to a different broker/lender ( XXXX a division of XXXX XXXX XXXX , XXXX ) and requested appraisal to be transferred since I paid for it. XXXX XXXX did not respond for several weeks and when they did they were uncooperative and would not provide necessary paperwork.
I 'm trying to open an account with XXXX and fund it with my Capital One XXXX account. XXXX stated online that Capital One is blocking my ability to use external applications to access my financial data therefore I can not open a new account.
The originial creditor was XX/XX/XXXX grom 2012 that was acurred in virgina. I filed bankruptcy im virginia in 2012. Also i wrote a letter asking for this debt to be removed because of the bankruptcy, and because of the statute of limitations. The only thing that has happened was this to be bounced around to new creditors that they have paid to take it over to, which I thought was illegal? The amount is {$140.00} with a new creditor bt the name of XXXX XXXX that have newly reopened in XXXX.
I just buy a BMW at bmw dealer, weh have finance with bmw finance, i know they help to get the car, they are very good sales and manager was nice we us, we just ask to have better interest rate on the loan because we trade a XXXX XXXX XXXX XXXX with less than 11,000 miles, almost new..we ask for more on trade.by the can't get more for the trade.we said ok so give me a better interest since we have 1,9 percent with XXXX XXXX in the XXXX..i was not expecting the same rate but better than 7,9 that we get we ask they said is the best we can do..i believe they can do better since we never miss a payment on my mortgage or on the car loan.also my husband and i we have a total income for about 80,000 a year. also we put XXXX dollar down.
I filed a dispute with Capital One and sent a rebuttal regarding the merchants responses with evidence the merchant XXXX XXXX XXXX XXXX XXXX XXXX did not observe local and federal laws in addition I am entitled to reimbursement. Capital One having failed or refused to respond or acknowledge receipt of the rebuttal within the time frame allowed in violation of state and federal regulations.