WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I lost my job and immediately completed an Income Based Repayment request showing XXXX  income. I received an email from Navient, my federal loan servicer, stating that my payment would be {$0.00} beginning on XX/XX/XXXX. Upon logging into my Navient account online, they showed a balance of {$7.00} due XX/XX/XXXX.

I called customer service and spoke to a representative by the name of XXXX who said that the {$7.00} charge stems from a late fee. I show no record of ever making a payment late, so I asked when the fee was assessed and for the amount. He said that the fee was assess XX/XX/XXXX. I explained to him per what I was seeing on Navient 's website that a XX/XX/XXXX payment was made timely. After 45 minutes of being placed on hold, XXXX  came back to the line and then said that the fee was assessed by a previous loan servicer -- not by Navient. Again, I asked when the fee was assessed and the total charge of the fee. He placed me on hold for an additional ten minutes and came back to the line stating that he didn't have the information since it came from a previous servicer.

I asked to be transferred to a supervisor. After a 15 minute hold, I was transferred to XXXX, a Navient customer service supervisor. She said that XXXX   charged the fee ( I do not recall XXXX  ever servicing my loans ). Again, I asked when the fee was charge and for the amount. She could provide no information, and said instead that the " back office '' of Navient would have to investigate this further and get back to me. She indicated that Navient took over my loans in XX/XX/XXXX so this fee stems from some time before XX/XX/XXXX. It's now XX/XX/XXXX. I never recall being late on a payment. And now I find out that I've been paying a late fee for 7+ years that I never knew about.
When my daughter was getting the student loan with XXXX XXXX I was not the one who filed all the information online. Only parent information I inputted and saw no interest rate anywhere. After asking my daughter for the information on the loan for many months since the loan started I decided to contact XXXX XXXX myself on XX/XX/2019. I was not given any documents by XXXX XXXX concerning interest rate or any other mail concerning the loan. When I called to find out the interest rate of 10.5 % I asked them to stop the loan right then. The representative told me I can not stop the loan. There are many things that have been done by XXXX XXXX that makes this loan agreement void. 
They say there was interest rate disclosed online which I saw nowhere. I should not have to see every page to find this. 
The student loan rate is 5.05 % in XXXX There never given the reasons for the fixed rate of 10.5 % they apply to my daughter. This makes no fairness to a student who does not know about the loan. 
Having no written communication about the loan co-signer is avoiding a more knowledgeable person in the contract. I believe this is deliberate action by XXXX XXXX to charge the high interest rate to unsuspecting people. 

I have no file to attach because XXXX XXXX sent me no information
My credit report has been negatively affected by Equifax allowing various entities to report unverified accounts on my credit. I asked Equifax to please provide me a hard copy of the original applications/contracts that is said to be mine so that I can verify signatures. Equifax relies on 3rd party vendors that provides electronic information that could easily be forged copied or finagled. In respects to the law that governs the CRA 's, it is my understanding that under the FCRA 15 U.S.C. 1681, all unverified accounts must be promptly deleted. In respects to the governing law, a verified account is defined as an original hard copy of the original application that is believed to be mine. Equifax has disregarded my request for the copies of the applications or contracts that is in my file. They have responded within the 30 days but not with the original documentation with my signatures. I did not ask for a copy of my credit port. I asked for an updated copy of my report that shows the accounts in question to be removed because of Equifax 's inability or unwillingness to forward me all original hard copies within 30 days. According to the law that governs the CRA 's it 's illegal to report on my credit file without having the " hard copy '' on file.
on XX/XX/XXXX western union sent a response just to try and hurry to close my claim while XXXX is still missing XXXX XXXX XXXX is an executive for the claims at their company she said that XXXX XXXX was the company that they sent the claims to I'm on the phone with XXXX XXXX now and they said SHE IS LYING THEY HAVE NO CLAIM no reference numbers were given to me as far as a claim goes for them so they said call wu back when i did they told me the case was closed and nothing more that they do SO WHO HAS MY PERSONAL INFORMATION AGAIN!!!!!!
I already submitted a complaint and received information from the executive office. It was updated but now this month is showing a charge off and a balance and I have a paid in full letter from Chase and the back up from my original CFPB complaint.
I tried to pay and Was told if I did n't make the $ XXXX payment that they did n't want my money at all. That they would take everything I had plus my co signer.
this debt does not belong to me. please deleted from my credit report or i will complain to the XXXX and dispute with all 3 credit bureaus.
Portfolio Recovery is harassing me and threatening me with drastic collection tactics even though I receive XXXX. I do not owe XXXX.
on  XXXX / XXXX /   2017  i was contacted at  XXXX   XXXX . They also call from a private number as well
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, HI. XXXX, XXXX XXXX Re : My A/C # XXXXDear Sir, I am sorry for not responding earlier to your XXXX fictitious credit card bill charges of XX/XX/XXXX and XXXX 2015 as I was medically incapacitated. I had XXXX XXXX in XX/XX/XXXX and was XXXX for a week in XXXX for XXXX. 
The XX/XX/XXXX statement shows a {$12.00} charge for an XXXX XXXX. The XX/XX/XXXX statement shows the very same charge again of {$12.00} for XXXX XXXX. Added to that is an interest charge of {$1.00} for a total due balance of {$27.00}. 
I did not incur these XXXX debts and have never purchased anything for {$12.00}. This is the handy work of the criminal enterprise known as XXXX. As its credit card company, you are also now its accomplice. The only XXXX items that I purchased at separate times recently were XXXX generic stereo earphones. XXXX was on sale for {$6.00} and the other was on sale for {$4.00}. I paid for these XXXX items with my accumulated " XXXX Super points ''. I currently have have a total of XXXX or {$24.00} left. Now, please tell me why I would chose to pay for these XXXX items via my credit card when I have the Super points to use? Which idiot would do that? But XXXX has devised a way to double dip for the same purchased item : Once via the Super points at the sale price and once again via the credit card at its full undiscounted price which I presume was {$12.00}. 
Please allow me to tell you how they get to XXXX from their customers twice : once from deducting the purchase price from your Super Points and again by sending a bill to the credit card company for the full undiscounted price for the same item. XXXX has devised a very clever way to achieve that : When you purchase an item intended to be paid with the Super Points, the " Payment Option Page '' prior to check out does not include the option to pay with your Super Points as a payment option. Imagine that. But in order to proceed to checkout, you must give them a credit card number, including the " secret number '' on the back of the card. When I emailed XXXX asking them why do you need my credit card number since I intend to use my Super points, they answered that it 's for security reasons. What security is that? They know exactly how many Super Points I have and whether I can pay for the merchandise via this method. Only at the very last page of the " check out " process, there is a small window at the very bottom to indicate payment with Super Points. They then deduct the discounted purchase price from your Super points and simultaneously send a bill to XXXX card company for the full " undiscounted price '' of the item. This is the most blatant type of fraud and thievery. 
I am requesting, in closing, that you reverse the charges totaling {$27.00} and send me a statement reflecting a zero balance due. 
Sincerely, XXXX XXXX
They sent me a letter with some information that is not correct like my DL # that was stolen of lost. The correct number was XXXX.Also with a car I did n't never own.
The address is incorrect also.The address XXXX XXXX XXXX, XXXX, SC I have never live there.The phone number I do n't have any ideal about this phone number ( XXXX ) XXXX.I have a copy from the last time I file a Complaint with the CFPB.
That this account was deleted from the consumer 's report.
My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account.
have identified likely malicious and certain unproven complaints reported personal identifying information on my credit file. I am within my federal and state consumer and or civil right to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 section 151 the ambiguously obliges a recount all of the motis operandi used by your agency in the pic here a minute this these alleged it yet unproven true, correct, complete, much less compliance items of personal identifier information that I believe is possibly incorrect, including this was obtained by third-party information trafficker and soul to your firm. I have enclosed copies of my state issued identification and Social Security card to validate my identity. I believe it is false and misleading information that you are reporting is likely directing resulting in or will in the future results and incorrect account mergers on my credit file and that this is injuries to my credit Health and credit wealth. The following reporting derogatory allegations of information or either untrue, incorrect, and complete, and timely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standard and must be eradicated immediately, do so today, even right now! The obvious and fractions are as follows : Please delete this erroneous information immediately! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX Personal Statements ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. XXXX XXXX Inquired on XX/XX/2018
I called American Express to add an authorized user. The agent offered a zero interest for 15 months with a transfer of my current to a different type of American Express credit now being offered. The interest rate once the promotion expired was about what I was paying, so I accepted the offer. The agent state she added the authorized user. 

I received a credit card, but no credit card for authorized user. I called because the terms did not read what I was told. They said there was a mistake by the agent. 

A case has been opened XXXX, and they have offered reward points, but not what was originally offered. I have requested my notes and a review of my call, but have not received anything. They say they have called back, but they aren't leaving messages or notes of substance. 

The language is cumbersome on these credit cards, but read, read, read before you proceed. I'm using this card or agreeing to the written docs, until they keep their word.
I ran my credit report and it shows a derogatory mark from " XXXX XXXX XXXX '' in the amount of {$870.00} which shows an account opened date of XXXX/XXXX/2016. I have not received any communication from this company pertaining to this debt. No one has attempted to contact me by phone or mail. I have no idea what the amount is for. I disputed this with the credit agency and the result was that they added a note on the derogatory mark that states " account information disputed by consumer. '' I did not open an account with anyone on this date or around this date. I have 1 account that is 4 months old from XXXX XXXX. This is the only new account i have and it is in good standing. I do n't even know what this debt could possible be for??
I submitted a public record investigation request to LexisNexis XX/XX/2018 & XX/XX/2018. I received a responses more than 30 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. 

PUBLIC FILINGS US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine
On XX/XX/2018 I sent a debt validation request to AR resources. I sent the letter certified mail which was signed by a representative at AR on XX/XX/2018. As the FCRA states, in order to validate a debt the creditor must provide proof that the debt is actually mine. From my understanding of the law this proof must be a legal binding contract bearing my signature stating I agreed to pay the amount in question which is currently as of XX/XX/2018 XXXX . I do not recall ever agreeing to this debt. As of the date of this complaint and after talking to AR on the phone several times this has still not been resolved. AR stated to me they mailed a copy of an itemized statement on XX/XX/2018 but as of the date of this complaint I have not even received that. However, even if AR Resources was able to get an itemized statement with pertinent medical information contained they would be in violation of Hippa laws because I dont recall ever giving them or signing a release of information for a collection company to have access to my medical records, let alone on a debt I dont recall by physicians in Texas, Ive never lived in Texas. On top of everything else its been well over 30 days and I have not received anything validating this debt, however its still reflected on all 3 credit bureaus which at this poimy is illegal the debt has not been validated or verified. Staff at AR are very rude and disrespectful when I try to call. They hang up, say they cant help, use profane language, and have really gave me a hard time trying to resolve this. One agent there even told me I should pay my bills and I wouldnt have these problems.
I received a retroactive interest rate refund this past summer from Citibank annotating that my account 's high APR increase was identified as eligible for the rate reduction due to their review they do every six months pursuant to Regulation Z and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. My refund pertain to the high rate I was charged due to flaws ( so they say ) in their semi-annual APR review methodology and I was given credit for this from XX/XX/XXXX thru XX/XX/XXXX. Per Citibank, it also included an amount for foregone earnings on the excess interest charged. The letter continues with them stating that they have corrected the APR on my account. Upon receiving this letter ( via email ) and already receiving the refund, I immediately checked my account but as shown on my statements since XX/XX/XXXX, the APR had not been reduced, I am and have been since at 29.9 % APR. I immediately reached out to Citibank and explained what I have noticed and about my letter along with the refund. I was advised at that time that since I was on the list of refunds just recently reviewed and submitted, that it will take about 1 billing cycle for my account to show the lower APR and that I would also receive another refund based on this high amount still on my account on next review but to contact them if I do not receive my reduced APR. Well, I have been very patient and gave them over 1 billing cycle but still no reduced rate. Today, XX/XX/XXXX, I reached out to Citibank again. This time given basically the same line but this rep added that my account will need to go up to MGMT for review to see if I am able to obtain a lower APR. I explained to her, this is not what I was informed the first time and not what is stated in this letter ( via email ) I received in XXXX. So in turn, I said fine, keep sending it up for review and I will file a complaint because there is no reason for me to still receive the higher APR rate.
I saw this debt collection was on my credit report. I called the collection company they have no knowledge of this debt. They tried to find me in there system using Name, DOB, address, the company that the debt was with, and SSN nothing showed up. So I was told I didn't have a collection debt with them and to dispute it with the credit company XXXX. I disputed it and it still on my credit!
I have contacted AES/XXXX several times over the past 5 years to have negative debt that they have no proven is owned by them or owed to them. I have disputed this information numerous times with Experian and XXXX XXXX and still 4 private student loans that have not been validated with proper chain of custody or assignment. These accounts are ruining my credit and preventing me from being able to purchase a home. I have a Ch XXXX bankruptcy that was uncontested and therefore XXXX XX/XX/2012. There are several lawsuits against this student loan company and there subsidiaries ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) for wrongful lawsuits that resulted in default judgments that were filed after the statute of limitations had passed and without proving ownership of said loans. I would like for this incorrect information to be removed from all 3 credit bureau reports and XXXX XXXX report. The following is the information showing for the loans as of date. The duplicate accounts were removed from my XXXX and XXXX credit bureau reports that were listed under XXXX XXXX, however, they still remain on XXXX   and XXXX XXXX reports as shown below. 

AES/XXXX {$62000.00} AES {$27000.00} AES/XXXX {$13000.00} AES {$10000.00}
Before opening the CitiGold checking account, I had spoken with a CitiBank agent over the phone to find out if I qualified for the offer to open a CitiGold checking account and receive XXXX miles as a bonus for opening the account. She assured me I qualified, and to apply online, so I did. Initial contact with CitiBank via chat assured me I had met the qualifications in XXXX 2016 and would receive the miles by early XXXX. 
Today, XXXX XXXX, 2016, I communicated via chat with a CitiBank rep who told me I was n't targeted for the XXXX bonus miles offer to open a CitiGold checking account, therefore would not be receiving the XXXX bonus miles. I even showed the chat log I had saved and was told they could not honor it regardless of previous communications to the contrary.
This company has been sending communication for the past couple of years. I made an attempt to pay the debt without knowing if I owed it. After speaking to various representatives and receiving different amounts I requested validation of debt. I never received validation of debt then ; so I then requested the debt be removed and all communication to cease. I also filed a complaint with the XXXX because I continued to received bills and phone calls. I sent a letter to the company to cease and desist. I recently checked my credit again and Wakefield continues to report a debt. I have recorded phone calls and copies of letters sent to the company. I 'm sure the XXXX also has transcript of what the company stated.
I do n't have the original receipt but in either mid-XX/XX/XXXX/early-XX/XX/XXXX, I purchased a couch from XXXX on XXXX XXXX in XXXX, IL. I originally used my bank 's debit card, in-store, transaction went through smoothly. Less than a week later, the couch went on sale ( {$20.00} reduction ) and was told they would adjust the purchase to the sale price since it was just a couple of days between the purchase and the sale. On XX/XX/XXXX, I received a fraud alert from my bank requesting that I authorize a department store charge in the amount of {$910.00}. It seemed odd because I had already paid in-store approximately a month prior. I checked my account online and saw that XXXX made the charge in store, reversed it and then charged my card again on XX/XX/XXXX. I authorized my bank to approve the charge. However on XX/XX/XXXX,  XXXX again charged {$910.00} triggering my bank to send another fraud alert. At this point, I was annoyed with XXXX dipping in and out of my account ( for the 3rd time ). I attempted to contact XXXX to send them a check for the payment to settle this entire thing. After much back and forth with that, I sent them a check which took them nearly 3 months to process. Fast forward toXX/XX/XXXX, XXXX is again calling and emailing me saying that I owe them {$910.00} for the couch I purchased 2 years ago. I have the cancelled check from my bank but my experience with XXXX unprofessionalism, and horrible accounting processing has completely put an end to me ever dealing with them again. By the way, I was told when I paid the full amount by check, they would process and adjust the price and refund me the difference to reflect the sales price ... never happened.
I obtained a loan from XXXX towards the end of 2016. I have been making my payments that was agreed upon initially every month and they have been reporting me to the credit bureau as behind every month. I have called for two weeks straight and was kept on hold for hours every day. The automated system try to refer me to the online site but I can not get on my account because it keeps telling me to contact customer support. They wouldnt refinance my loan as I requested unless I reapply for another loan which I refused because that would be adding on to my current loan. 

After my refusal to reapply for another loan, they went ahead and submitted new application which required a credit pull that was declined without my authorization and then they told me that I wasnt qualify anyway. Due to my PCS move to a new state, I took a huge pay cut which was the reason I wanted to refinance but they decline. 

I asked for copies of the actual contract and the payment history because I had no clue what the balance was and they just ignored my pleas. This has been going on for months. They locked my account and it tells me to contact customer service but its going on 3 weeks now and was put on hold for hours. I receive no update on my payments & balance and recently out of curiousity because I know the loan should be close to being paid off but no luck. I am so tired of these companies getting away with these types of fraudulent business behavior. The sad thing they advertise so much about helping military families and yet theyre taking from them more than helping. I am never working with this company ever again. It was a time of distress that I had to take this loan from them to help cover my brothers XXXX because he was XXXX and his insurance had dropped him because the XXXX treatment was too expensive and this is what I had to deal with. Its so hard to deal with them once I obtained the loan. Dont ever believe their untruthful slogan about helping military families. Its a lie.