WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my account with Navient on Friday XXXX XXXX, expecting to see that my payment made on XXXX XX/XX/2018 to be creditted to my account. It was not. I had to ring Navient from the XXXX and was on the phone with them for about 15-20 minutes trying to figure out why my payment had not been credited to my account. I told the customer service representative that I also wanted to make a second payment this month. After being on hold for a few minutes, I was told my payment was actually received on XXXX XXXX but, for some unknown reason, their payment department have not credited my account yet. It says on my account that I might be charged a late fee because I 'missed ' a payment. I most certainly have not! 
I got off the phone unsatisfied with the answer from Navient about why my payment had not been credited to my account. I was told the payment would go through eventually. I checked this morning, Monday XXXX XXXX, and the payment is still not credited to my account and still says I am liable to be charged a late fee since I have missed a payment. When I asked the customer service rep about who I can speak to with a complaint about the payment situation, she informed me that there was no one I could speak with but that customers were ( and she said verbatim ) " allowed to send in a letter of complaint. '' I find it horrible that Navient does not have a proper complaints system and that I am being treated poorly. My payment is still floating around in Navient 's system, not credited to my account. As of today, they have had my payment for 20 days ( 14 working days ). I am not able to have the situation corrected in a timely manner by Navient. I make my payments by their draconian deadlines, they should be held to the same strict rules of acknowledging my payment and posting it to my account on the day they receive it. I find this situation completely unacceptable and intolerable.
I TOOK OUT A LOAN WITH MYPAYDAYLOAN.COM AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO XXXX XXXX XXXX. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND XXXX XXXX XXXX IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX
Midland Funding LLC has aggressively continued to report unfavourable remarks on mu credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
I have an unverified account from LVNV Funding on my credit reports. I have repeatedly disputed this account with LVNV Funding and the credit bureaus. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that LVNV Funding provide verification of the following : XXXX. The original application or contract XXXX. Any and all statements allegedly related to this debt XXXX. Any and all signed receipts XXXX. Original date of default and collection activity dates XXXX. Whether you purchased the debt, and if so, the amount paid for the debt. 
XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that LVNV Funding cease all communication and collection activities until providing verification of this supposed debt.
XX/XX/XXXX Used first-time homebuyer program to purchase my home thru XXXX XXXX for {$11000.00}. XX/XX/XXXX XXXX Sold to XXXX XXXX ( I do n't remember exactly ; or got in a bind and heard bout modifications. No other solutions were offered to me at that time and I did not know what else to do. Not the mortage is $ XXXX/ARM. Somewhere between XX/XX/XXXX-XX/XX/XXXX the loan was sold to XXXX XXXX  and Seterus began servicing the account. No issues with payment. I am more stable and on top of things until I lost my job of 15 years in XX/XX/XXXX. I called Seterus to inform them of loss of work and was told there was nothing they could do until i defaulted. Other friends and family told me to call back and ask for principal reduction to help lower the payment. Seterus said nothing like that existed. I was getting unemployment at the time so the Seterus rep offered me 6 month forbearance type program where I paid smaller payments over 6 months ( ca n't miss any payments ) ; i made the payments on time but did n't secure a job in 6 months so i was given an extension to the same program. After 1 year i was told by Seterus that I did n't qualify for help anymore because I did n't have full time employment and I need to pay $ 10-12k to to bring my account current and avoid foreclosure proceedings. I borroed, begged, took money from my 401k to save my home. After the fact i learned about programs like XXXX XXXX XXXX and I-refi all of which my lender ( Seterus ) is a program partner. I have never taken equity out of my  home and i owe $ XXXX. I 've tried a few times to figure out where things went wrong but I ca n't figure it out. I made calls to the lender but they are not helpful. I am underwater on my home. Comparable properties in my neighborhood are selling for $ 60- $ 80k.  I ca n't qualify for any federal funding because my loan-to-home-value- is too great. I reached about again to Seterus for mercy and goodwill to give me a principal reduction so that I can qualify for assistance and save my home. I sent written correspondence this time as well. As of today, no response. I feel that there is something scrupulous that happened to me during this program when I was down on luck. How can I still owe {$160.00} on my home that I have been in for 15 years? I also ca n't find anything file at the XXXX County Recorder of deeds as to who is currently holding holding he mortgage for my property. Nothing on file after XXXX. I obtained a payoff letter just to see what kinds of information is on he document. Seems as though Seterus is charging me $ XXXX in " deferred mortgage '' I do n't know what that is or where it came from? I have no record that I owe any deferred mortgage. Please help me. : /
The data breach by Equifax was known to them since at least XX/XX/XXXX.  No one has been informed of such a terrible breach until TODAY! Equifax is also making individuals check to see if their information may have been stolen, and in said signing up with Equifax are making us waive our rights to legal arbitration. There MUST be better security on their end along with reparations for those of us whose lives and credit may now be shattered! The usage of another website NOT even sub-domained by Equifax to check to see if we have been possibly breached is shady, and can, probably will be duplicated to con even more people.
Equifax reports incorrectly that this account was late 6 times at 30 days.This account is a XXXX XXXX modified account. Equifax fails to report accurate payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Dear Consumer Financial Protection Bureau : Hello. On XXXX XXXX, 2017 in the MORNING, I transferred {$25.00} from my Savings Account to my Checking Account at Bank of America.
On the EXACT SAME DAY ( XXXX XXXX, 2017 ) in the AFTERNOON, Bank of America initiated an AUTOMATIC transfer of my {$25.00} back into my Savings Account WITHOUT my CONSENT.
On the following day, I closed my Savings account, but the money was NOT accounted for. Because of this Bank THEFT of my money, I incurred 2 OVERDRAFTS on my account and had NO MONEY to buy me something to eat and ride the bus. I had to walk 11 miles in the hot sun.
I would like to file a formal complaint against Bank of America for th THEFT of my money. I have EVIDENCE and DOCUMENTATION of the Bank THEFT.
Call me ANYTIME : XXXX ; Cordially, XXXX XXXX XXXX
Equifax is reporting XXXX collection agency 's have open collection these where paid in full and I claimed bankruptcy afterward they where paid. The other XXXX credit bureau 's have removed them a long time ago, but Equifax refused to report them correctly as paid in full and closed.
Developers of credit scoring models review a set of consumers. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable. However Experian will once per month automatically update your Credit Score. Nevertheless since XXXX XXXX, 2016 was the most current update ; noticed that Experian more quickly reflects a decrease in credit score ; but display a longer delay if making an update if your credit improves. Their reporting pattern demonstrates a favor to report Negative information towards the consumers. Businesses pay that a Credit Reporting Agency reflect negative information to collect debt. Their Credit Score reporting patterns have the inferences of discriminatory practices towards who they consider " BAD '' or " POOR '' credit risk consumers.
I submitted a request for a credit line increase and was denied credit based on information contented and/or reported by the credit bureau agency 's. Capital One reported the base for my ineligibility is a composite of information obtained from my credit file. 

I have previously made an attempt to collect the following information from Capital One regarding the specific reason for my denial and response for ineligible and requested they provide me with the source of the information so that I may review the information contained in my files. 

I believe the denial is based on discriminatory reasons and further request which federal agency to file a complaint with based on this information.
We help our daughter and her family financially because she has a XXXX and her husband is unemployed. We live XXXX miles from her and we bank at XXXX different banks. For some time I had been getting cash from my bank and depositing into a local branch of her bank. In XXXX that came to an end when her bank told me that they could only accept {$500.00} cash. The rest would have to be in the form of a cashier 's check and it would be available in my daughter 's account after XXXX the day of deposit. This seemed to work. Then in XXXX unbeknownst to me and my daughter a deposited cashier 's check was held for several days resulting in her rent check bouncing and overdraft fees being instituted. I inquired at the local branch of her bank where the check was deposited. They had not put a hold on the funds. They said that her branch must have. They explained that individual branches can decide to put a hold. I was never told this before. They also said that any cashier 's check over {$5000.00} could be held. I had never been told this before. They said a branch can hold funds if the account has any history of overdrafts. This seems like a self-fulfilling prophecy. When XXXX families are doing everything they can to keep funds in our daughter 's account it seems like the bank is mugging us when they put a hold on funds in the form of a cashier 's check from a reputable bank. They are also capitalizing on this situation by assessing overdraft fees. This is completely unfair. It serves to further destroy morale of people who are already struggling to stay alive in this economy. Respectfully.
XXXX XXXX, XXXX, I sent a certified letter to all three credit bureaus inquiring about a debt that is listed on my credit report. The amount was approximately {$6200.00} from XXXX for an apartment complex. I was n't aware of it until I was denied residency at an upscale apartment housing complex. I received a response from the bureaus that redirected me to National Credit Solutions. 

On XXXX XXXX, XXXX, I sent a certified letter to NCS. Per the certified XXXX tracking notification, the letter correspondence was received by NCS on XXXX XXXX, XXXX at XXXX. After not receiving a response, I sent a second certified letter on XXXX XXXX, XXXX. According to XXXX tracking, the letter was received on XXXX XXXX, XXXX. To date, I have not received a response. In both letters, I asked for verification of the debt. I am very frustrated that I am not getting a response from this company. I am requesting this item be removed from my credit report asap.
I have sent dispute complaints to Experian on XXXX seperate occassions, All with documented and noterized proof that I am the legitimit person authorized to make request on my credit reports. Experian has failed me many times by totally disregarding Georgia State noterized documents issued and witnessed by a Bank Officials of XXXX XXXX XXXX, and disrespecting me as a real person. Experian has made the determination that they are going to dictate what they report on my credit reports by falsely accusing me of filing frevilious disputes, when I infact sent All necessary documentations of proof by certified mail. Experian then proceeds to give out false and Unverified information to potential creditors that has severly XXXX and XXXX my chances to buy a car or house at this point. Experian has totally disregarded the Federal Trades Commission Fair Credit Reporting Act by not following the rules on verifying, and through proper channles and Deleting All Unverifiiable Information on my credit report. Experian actions are dispiciable and Unacceptable at this point. ( Proof of ALL documents sent to Experian on XXXX seprate occassions. ).
I have repeatedly asked for my XXXX, XXXX and XXXX   accounts to be updated to paid as agreed with my mortgage office Seterus , INC . I have made on time payments and asked for goodwill removal of late payments from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I am trying to get a business loan to grow my company and the late payments are hurting my ability to apply for more credit.
On XXXX XXXX I mailed Equifax a dispute for XXXX XXXX XXXX. The dispute was received on XXXX XXXX and I still have not received results on the investigation. I have attached the certified mail and return receipt. I have also attached the initial dispute letter with identifying documents.
I have struggled with determining how much I owe to AES. I have two loans : 1. XXXX XXXX ( {$77000.00} due ) 2. XXXX XXXX ( {$3000.00} due ) When I log on to the account, I can not determine which loan payments apply to which accounts. I can not view the details for both loans. When I called two months ( XX/XX/XXXX ) ago to alert them to the problem, they said they would fix it, apologized for the debt calls, and told me I was up to do date. Since that time, I have made 3 payments : XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX The amounts vary from the monthly due amount because their online system always states that I owe a late fee. 

I received a debt collection call that I was XXXX past due. I knew this could not be true because I was told in XX/XX/XXXX that I was up to date. Since XX/XX/XXXX, I have made {$650.00} dollars in payments. I logged on to see how much I owed. It is unclear because the 2 loans are not reflected in the correct place. The AES customer service employee told me to " disregard '' the summary at the top and just focus on the " payment '' portion. I did. However, the payment history does not accurately show how much I have paid. For the XXXX XXXX account, it does not show a payment history at all. I scrolled to the bottom. I tried to pull up the paper/pdf bills. They both are labeled " XXXX XXXX : and only one contains a pdf/ The only pdf is for the XXXX XXXX account. i am not able to view the XXXX XXXX bill at all. The customer service person hung up on me when I asked for more details. I called back, and I was disconnected. I am very frustrated. I am just trying to pay the bill, but I would like the account to accurately reflect the amounts paid and applied to the correct loans. I want to resolve this, but I can not do so if I have no way of determining the amount owed, past amounts paid, and what amounts were applied to which account. Please help me determine the following : - A full accounting of each loan for one year ( XXXX XXXX- XX/XX/XXXX ). 
- Corrected online information for accurate viewing, paying, and bill summary.
Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them. After receiving the information from Discover that I qualified for something when I called Discover they told me that information was false and I was making that up. The agents then refused to let me speak to anyone else regarding the matter and insisted I pay up from the $ XXXX owed to Discover telling me they had no more plans to help people like me who were delinquent and XXXX to pay off their debts.
I have been dealing with Ocwen loan services on my mortgage. When I modified my loan back in 2010 I made XXXX separate payments of {$20000.00} totaling $ XXXX. They lost all records of this and now forced me into an arm loan that I was not aware of and my payment has gone up {$1000.00} more a month. I can not afford this and I have lived here for 13+ years. I have tried working with Ocwen but their only option is another modification that will force me to open another 30 year loan and add on more interest. I am disgusted with their work ethics. Not one person there will answer my questions but everything is scripted answers. When they sent me the agreement in 2010 that was filed electronically I specifically said and to the rep and they agreed my payment would stay at {$2200.00} for the life of the loan. It has not and has increased 2 different times
On Thursday, XXXX XXXX, XXXX, I was offered by XXXX XXXX, on behalf of XXXX XXXX XXXX, the ability to pay off the remaining balance of the account with XXXX payments of {$710.00} on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Once it was paid I began to dispute the remaining balance on my credit report, which showed as still owing over {$3000.00}. When I received my Paid in Full, Resolved letter from XXXX XXXX on XXXX XXXX, XXXX, I submitted that to Equifax and XXXX online ( XXXX I am required to mail in the information ). XXXX has changed the balance to {$0.00}, but Equifax refuses to acknowledge that the balance is now {$0.00} as agreed upon with XXXX XXXX XXXX and XXXX XXXX. This continues to negatively affect my credit score and my ability to receive any credit in the future, and it is wrong for them to continually report that I have a balance when, in fact, I do not, and it was paid off six months ago. 

Additionally, they are reporting XXXX credit card balance TWICE on my credit report, and even though I have disputed that as incorrect numerous times, they refuse to modify my credit report to show the remaining balance once.
I've had an account for over 10 years and have recently started depositing checks directly at a branch via a teller, versus my usual method of depositing via a debit card at an ATM. Deposits via ATM have been credited immediately. However, the deposits made over the past few weeks have, for whatever reason, not been credited for several days, which has resulted in {$440.00} in recent overdraft fees. I called about this and other than offering to refund {$74.00}, the bank refused to refund any more of the fees, even after speaking with a manager ( and despite my lengthy history with them ). I feel this is unjust, as they have total control over MY funds and can siphon as they please, without my knowledge or consent, and I feel that other consumers should be made aware.
There is a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit XXXX # XXXX Unknown and outdated
In XX/XX/XXXX I received a communication from a collection agency XXXX XXXX XXXX XXXX for a {$6800.00} XXXX XXXX XXXX Charge. Since my insurance company claims that I should only be billed {$650.00} for an emergency room visit - this amount being charged in the first place was astounding. I stated my surprise that this was in collections since I was talking with the hospital at the time as well as my insurance company as to what was going on. 

In XXXX a case with the XXXX California - State Fair Hearing for Covered California was opened and a response was issued that the hospital was charging on a cancelled insurance policy and not the current XXXX XXXX XXXX HMO plan. The resolution of this was handed down in XX/XX/XXXX that the triple charging of a XXXX XXXX XXXX HMO for XXXX and XXXX was cancelled as never effective. 

It was then the responsibility of the hospital to resubmit billing under the correct Plan. Which the hospital stated in a collection call to me in XXXX of XXXX. But they stated that instead they has sent it before their charitable fund committee and I was granted a reduction from the now {$7000.00} bill down to {$3500.00}. When I asked to make payment arrangements I was told that it had already been sent to collections and that I need to contact them if I could not pay the full {$3500.00} on demand. 

On XX/XX/XXXX - An attorney service XXXX XXXX wrote a formal dispute letter to XXXX XXXX XXXX XXXX on my behalf asking for immediate investigation of the facts and circumstances concerning the matter and a response of " at a minimum, immediate cessation of any further collection activity against this account and immediate deletion of any and all negative credit references against her. '' XXXX XXXX did not comply and continued to report on my Experian credit report of my delinquency on this account as of XX/XX/XXXX. 

When I contacted XXXX XXXX XXXX XXXX again, I was told that " Thank goodness I had called in when I did because my account was up for review to have my wages garnished. I then stated that under duress and payment under protest that I would start paying on this as the absolute refusal to comply with accurate medical billing practices and the threat of wages being taken that this was my only recourse while I continued to wait for the insurance company to respond. 

When I disputed this with Experian which was done inaccurately due to the letter from attorney 's sent. I tried to upload my documents which I kept being told that my request to upload, " We're sorry. We were unable to honor your request. '' and I was instructed to mail the documents in, which I did on XX/XX/XXXX. I received a response today from Experian that my dispute has been " resolved ''. Without receiving my additional documents and that I can not dispute this any further.
The company XXXX XXXX put a 30 day late after I closed the card account they were still accepting debits after I closed the account. They apologized and agreed to checl notes and offered to remove the late and convinced me to stay with them and so I did.