WillisBack/dataset-financial-user-claim huggingface dataset:
I 've challenged and disputed this numerous times with no progress - so I 've pretty much exhausted my efforts at this point. This is regarding my Private Loan with Navient, account numbers as followed : XXXX ... XXXX ... XXXX ... XXXX ... <P/>The following account numbers are reflecting/reporting inaccurately and contain erroneous late payments on my credit report and are detrimentally hurting me financially as I am not able to purchase a home for my family. I 've sent numerous letters to Navient with no response. <P/>The late payments dated : XX/XX/XXXX ' - 60 days late XX/XX/XXXX ' - 90 days late XX/XX/XXXX ' - 120 days late XX/XX/XXXX ' - 150 days late XX/XX/XXXX ' - 180 days late XX/XX/XXXX ' - 60 days late During the end of XXXX, I lost my job and called Navient and attempted in good faith to delay my obligations while being unemployed - Navent went onto qualifying me for 'forbearance ' and required that I pay {$150.00} 3 times to put my forbearance into action, which I paid. Later this year, upon pulling my credit reports I noticed that the late payments were reported during forbearance and are reflecting erroneously and inaccurately. <P/>I reached out to the bureaus and they came back saying it 's accurate. <P/>Now the problem is that these late payments do not have 30 days late reporting precedent to the 60 day lates, which is completely inaccurate if the case was that I was late and it was reported correctly. This is totally absurd and not correct!
I basically had a 2012 XXXX XXXX. It had XXXX miles on it. I paid XXXX off. It was repossessed. It was my first car loan. They took out a XXXX loan for a car that was on worth XXXX. I feel like this was predatory loaning. I basically paid for the car. They reposssed it when I lost my job. And put this balance in my credit. The starting price for car was XXXX. Im just wowed at the balance sitting in my credit.
My XXXX XXXX statement shows 3 lines : 1 ) **APR for current and future transactions ''. This suggests that the balance is subject to a 0.00 % APR for this statement and future transactions 2 ) Balance Subject to interest Rate suggests that {$10000.00} is subject to a 0.00 % interest rate 3 ) Expires with Statement XXXX suggests that this is the last statement that will be subject to the 0.00 % APR. It also suggests that the next statement will show an increased APR, with a balance subject to that rate. 

I was charged {$160.00} on my XXXX statement. I believe the XXXX statement is clear and unambiguous ; I am to be charged a 0.00 % interest rate on the entire balance for the month. 

I believe XXXX XXXX XXXX uses this statement to be intentionally misleading. 

I called XXXX XXXX XXXX, and the woman I spoke with was combative and disparaging. She said that the information is clear and unambiguous, that the interest rate expired on XXXX. She stated that if I need help reading my statement, I should have sought help to interpret the financial statement. I work in the financial industry as an analyst, I am pretty familiar with reading financial statements. I agree that the statement was clear and unambiguous, I was supposed to be charged a 0.00 % APR on the balance. 

Not only was the customer service demeaning and rude ; they tried to argue with me, as if to say that this occurs quite frequently with other customers. I believe this is because the statement is intentionally misleading ; they are asked by management to argue with customers, make it seem like it is the customer 's mistake, and denigrate the customer 's financial knowledge. 

What an awful experience with XXXX XXXX XXXX, it is an equal disappointment that XXXX XXXX is associated with them.
Shortly after receiving a " new loan servicer '' letter indicating that XXXX XXXX XXXX XXXX had purchased the paper on my loan, I received the first statement indicating the first payment for loan number XXXX was due on XX/XX/18 in the amount of {$1500.00} ( see attachment " 1st Stmnt '' ). 

In an effort to make the aforementioned payment, and all subsequent payments, online via ACH, I attempted to create an online account with XXXX. However, I was unable to create an online account as the website prompted an error message stating that the account number provided was not valid. I called XXXX XXXX customer service at XXXX to help with account creation problem. The customer service agent told me that a paper check was required on the initial payment and a new account number would be assigned to me granting online access after the paper check submission. I mailed a paper check on XX/XX/18 that cleared my bank on XX/XX/18 ( see attached " cleared check ''. 

On XX/XX/18, I received a statement for XX/XX/18 with a different account number. The statement did not reflect my previous payment 's application towards the principal balance ( see attachment " XXXX Stmnt '' ). 

I have made seven ( 7 ) phone calls to XXXX 's customer service department since XXXX ( 42 days ) and emailed all the information XXXX requested ( copies of statements, cleared checks, etc. ) in an effort to have my payment applied to my loan balances. Every phone conversation ends with the agent stating someone will contact me back by days end and they will have a resolution with-in two weeks. Neither of the two have happened. 

Out of fear that I am being scammed out of payments, I want to pay the loan off in completion cutting ties with XXXX XXXX XXXX ; but I can not pay the loan off as I can not get an accurate final balance figure from XXXX that reflects all my payments. I hope this is not common practice for XXXX and happening to others on a larger scale as this should be a simple accounting journal entry fix but XXXX continually leaves me in the dark with no resolution.
The number XXXX called me today, a recorded voice representing Premier Recovery Group, stated my name, a file number and stated that collection attempts are being escalated. I have never heard of this company, this debt or this file number. I never received anything from this company via mail. 

There was also absolutely no statement of the call being an attempt to collect a debt. I have a recording of this call if needed.
In XX/XX/XXXX I applied for all three credit reports from " XXXX '' which included Equifax, XXXX, and XXXX. I was only able to receive the report from XXXX. As a California   resident, I called to register a complaint with the proper agency. I also downloaded the form to mail a request with proper identification evidence and submitted same to Equifax and XXXX ... .both initially declined my request citing evidence was inadequate. I finally received a report from Equifax after complaining to the agency in California ... but received nothing from XXXX. I then called XXXX   and after satisfactorily proving that I was indeed, XXXX XXXX XXXX ... they still insisted that I submit new evidence documents to receive a report by mail. I blew up and told them that was XXXX  as they knew who I was at that point..finally they agreed to send a report by mail which I received last week. Four months after embarking on a quest to receive my annual credit report free from Equifax, XXXX, and XXXX. My main complaint concern is with Equifax as two of the negative accounts in collection have already been removed from XXXX after I submitted information that they must be deleted. I registered a formal dispute online with Equifax which was supposed to be completed by XX/XX/XXXX. After  checking with Equifax no results were posted, although the date of XX/XX/XXXX was still listed as the date investigation results would be posted. The disputed accounts are ; 1. XXXX XXXX XXXX XXXX   collecting for XXXX XXXX XXXX XXXX Amount {$2100.00}. 2. XXXX XXXX XXXX which was removed as " not my account '' from XXXX. Both these should be deleted. A third account XXXX XXXX XXXX is currently in dispute under 2 prior complaints with this agency.
Loan Me continues to harass me via phone before XXXX almost on a daily basis. They call from various phone numbers and they have also started contacting my ex husband for information. I never allowed them to contact him or even contact me at my job. They call from XXXX and XXXX usually before XXXX. They continue to harass me almost XXXX times in a day. I have tried to communicate with them via email and phone, trying to work out other payment options and they will not help me. They also served paperwork to my job regarding a potential judgement againest me and it was not sent in a privacy envelope, I was given the information in a interoffice envelope that someone in HR saw all my info regarding the judgement. I could be fired for this. And they have also called my employer several times even though I asked them to cease and assist.
At the end of 2015 I had chase ink, sapphire and freedom cards opened. I decided that I did not need the ink and sapphire cards open anymore so I decided to close them. After speaking to a chase representative I was told that as long as I keep my freedom card open I would be able to retain the rewards points from the ink and sapphire cards. I saw the rewards points still in my account a few months ago, but I just checked again and they are no longer there. I read online that I was really supposed to transfer the points to the freedom card as opposed to just keeping them in my account. I was never told this by the chase representative when I closed my account. We are talking about XXXX points which I have lost and would like to do whatever I can to recover those points.
WELLS FARGO DISPUTE 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Cod e  1611 -   Criminal liability for willful and knowing violation In review of my home equity documents that I received on   XXXX   XXXX   XXXX  , I do not see a rig ht of rescission pursuant to 15 U.S. Code 1635 - Right of rescission as to certain transactions. This is a violation of the consumer credit protection pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
On XXXX XXXX, 2017 went online as an referral to purchase vehicle from Carvana ; on the first call there was system issues with security questions to get me verified after 24 hours that was resolved. I did everything that they request uploaded documents 3-way call with bank to verify funds. Car was delivered a week after delivery a rep called stating that my contract had not been signed ( after I did a total of XXXX via links provided online ) I advised rep that purchase price did not reflect the {$500.00} discount for being referred my vehicle did not come with gas card nor had I received referral code so that I can refer others as I had been referred. She stated another contract would be drafted and email it arrived I did as I was suppose to signed the contract. Received payment details in mail made first payment as agreed to lender now on X/XX/2017 was contacted by rep stating their accounting team did an audit and it revealed that my down payment was never collected due to a " SYSTEM GLITCH '' she wanted to process payment I advised that I was out of town on vacation and would call to resolve issues once I get home review banking documents etc was in a public place was n't a good time to discuss personal business she continued with my payment just be made to keep contract valid and did I not notice the draft, do n't i have online banking so I can review or can we call bank on 3-way to review transaction I declined and told rep again that I am in a public setting away from home it was n't a good time. My complaint is system related it is not a consumer issue and they should not be called and harassed about a financial matter that was on their end it took them 2 months to discover the error and no one has mentioned the {$500.00} discount I was to receive off purchase price for being referred nor have I yet to receive {$100.00} per referral for the 5 people I referred to Carvana. Was advised to tell people to give my name city and state and they will receive {$500.00} off purchase price and I would receive {$100.00} for the referral so the way I see it that Carvana owes me {$1000.00} ( {$500.00} off my purchase price and {$500.00} for my referrals ) also my gas card that every one receives with purchase. I also did not receive an owners manual was advised that it would be emailed to me and that I would receive gift card for gas in the mail which none of the above has happen. I have received numerous calls and emails threatening my contract. Which I have made 2 payments to finance company ; just do not want to wake up to a repo etc due to their system issues. Their system didnt draft my down payment, process my gift card, or referral credits.
They call my cell first and then if I do n't answer they call my job. They have even called multiple times a day until XXXX.
I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.
Accepted a loan from Southern Auto Finance Co in XX/XX/XXXXXX/XX/XXXX I noticed discrepancies with my balance when I began to double/triple my minimum paymentXX/XX/XXXX the company admitted the mistake and reversed my payments and applied them to principal as intendedXX/XX/XXXX-XX/XX/XXXX no issues noticed, will have to go back over my records to re-verifyXX/XX/XXXX payment for double the minimum is made and is split by the company and applied going forwardXX/XX/XXXX a payment for triple the minimum is made and is again broken up and applied to future monthsThey were contacted today XX/XX/XXXX because I was going to make my final payment and close out the loan but noticed only XXXX were applied to my principal in XX/XX/XXXX (my statements are not available online so I will have to wait on them to respond to my request for an amortization table)I believe they are undertaking this practice to extend the length of the loan and squeeze more interest payment from consumers. My payment history and pattern is directly opposed to their profit motive because I will be finished with my loan almost 4yrs early. I would like my payments applied to principal and interest on the timeline I dictate not what is most convenient and profitable for them. I believe I am being penalized for paying off my loan early.
In  XXXX  my student loan provider went from   XXXX   XXXX   to Navient. I was on auto pay with   XXXX   XXXX  . One day I received a letter in the mail stating that   XXXX   XXXX   account was Closed and the new lender was Navient therefore they were not going to charge me anymore and that i should wait Further instructions from Navient. First communication with Naviet happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since   XXXX   XXXX  . Not a problem I said, lets pay. The representative at Navient walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from   XXXX   XXXX   to Navient was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the Two Navient accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from   XXXX   XXXX  . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on Navient 's part. I still pay my loan to this day and i have never missed a payment.
I have received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with. This collection agency has stated that I owe them {$1000.00} and is continuing to ruin my credit file. I have asked them to send paperwork bearing my signature for this supposed debt, stating there is a contract or I have an obligation to pay this claimed debt. I do not know who " AD  ASTRA RECOVERY SERVICE ''  is, nor do I have any type of contract with them that I am obligated to pay them or owe them money. This needs to be removed from my credit file immediately!
X/X/2017 learned that Equifax had a massive data breach that exposed name, DOB, address and SS numbers. Went to the company website to see if my data was stolen. The inquiry said it may have been compromised, the next link on the site was to get a free year of their data protection ( which is not nearly long enough ) but that did not tell me if my data was stolen, I have to wait 4 days to sign up and found out the terms included leaving to use arbitration instead of legal recourse in the court system. This is totally unacceptable, they should be required to let me know if my data was stolen.
I took out a payday loan in XX/XX/XXXXXXXX for {$440.00} from EZ Corp. In XXXX XXXX Iowa. This is n't the first call that I have received from this shady collection company. They claimed that their name is XXXX Investigations and that there is a pending criminal case being held against me, and that I will have a warrant issued against me and they will come to my work or home and pick me up and process me at the police station. they also called my XXXX year old grandmother and used the same scare tactic on her about me, she called me very upset and concerned. I called this company back and they said that my balance was {$2000.00} with attorney and court fees. I told them I would try to take care of this even though it was included in my chapter XXXX bankruptcy in XX/XX/XXXX. They said they would contact whoever to see if they could get the charges dropped and get me into a repayment arrangement. They came back with {$790.00} which is still way higher than what I actually owe, they said I have until the end of today to pay that amount or the charges were going to be pursued further. when I notified the woman that I could not afford that amount. and i told her that the call was being recorded she became irate and combative and hung up on me. She also gave me an address of XXXX XXXX XXXX XXXX XXXX Texas XXXX I 'm not sure if that is a good address or not of if she gave me a bogus address. She said her name was XXXX XXXX and the phone number she gave me was XXXX. I believe she now blocked my phone number from calling her because I can no longer reach her and it goes right to voicemail. I contacted the original creditor which appears to be out of business now, which is no surprise if this is how they handle business, but it had a voicemail to leave messages and they said that I will get a call back within 7 business days. When they call me back I will find out exactly who they placed my debt with and the Real name and contact information to the company that is harassing me and my family members. Once i told her i was filing complaints with several offices she said do what you need to and hung up. i said i would pay what i owed if she did n't use these tactics but once i told her everything was recorded she refused everything. She continued to hang up on me.
I called transunion last week after sending in numerous inquiry removal letters through certified mail for the last past couple months. All the other credit beaus removed the inquiries, but transunion is not removing them. So I called last week the beginning of XXXX and spoke with a young gentleman about the process that i was taking and the reason and nature of my call, and he explained to me that there was nothing the he could do and that I would have to write more letters along with another form and sen it in all because the letters sent was not going to do anything. Being aware of the credit rights I explained to the gentleman that once the inquiries were wiped from the other reports that transunion was suppose to do the same. He further explained to me that this was incorrect and that he could not accommodate my request.
i was supposed to be enrolled in the income based driven repayment plan which was set at XXXX dollars.It was then removed for whatever reason and i called in and spoke with a representative around XXXX or XXXX letting them know that i would be enrolled in school as a full time student, so what process did i need to take to get the in school deferred plan. i was told it would update automatically in the system but if i could inform my school officials to update it immediately that would also help. i spoke to my school officials in XXXX and they also stated it was automatic and it would update my first day of class. since then i have still been receiving loan docs for payments from navient, even though i am in school. i spoke with a representative today ( XX/XX/18 ) his name was XXXX and he said they still could not see anything in their system.This is actually the second time this has happened where i was supposed to have an in school deferred loan and it was not placed by navient. it is destroying my credit because they have it on there showing late and it has been on my credit even when i am supposed to be in deferred status
Reported on my credit bureau is a false debt that I do not owe. It is over 5 years old and just now suddenly was reported. I never got a bill from XXXX XXXX in the year 2011 and I do not owe this debt of {$72.00}. My credit needs to be clear as I am refinancing a loan. This is not a true bill and must be removed from all credit bureaus.