WillisBack/dataset-financial-user-claim huggingface dataset:
Copy of letter sent to Navient : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX Account : XXXX To Whom It May Concern, On XX/XX/XXXX I spoke with a representative about switching my repayment plan to the new REPAYE program. The representative informed me of how to apply for the change ; part of the new application was to apply for a one-month forbearance, call as soon as I submitted the application, and make a {$5.00} payment. 
I submitted the application the next day. On XX/XX/XXXX I spoke with a representative to make the {$5.00} payment. I was informed that a one-month forbearance would capitalize all of my interest unless I made a full payment of {$630.00} by XX/XX/XXXX. I agreed to these terms, and looked at my options to make this full payment. Later on the same day, I saw that I could have the money ready for payment by XX/XX/XXXX.

I received several correspondence letters, one with the terms of the forbearance. It stated that payments will resume on XX/XX/XXXX. 
On XX/XX/XXXX, I received a correspondence letter stating that I have been approved for the REPAYE plan. When I logged in to see what my new payment would be, I noticed that all of my interest was capitalized less than a week after my forbearance was approved. 
I spoke to a representative, who informed me that the forbearance was set to end on XX/XX/XXXX, not XX/XX/XXXX. I asked for the capitalized interest to be removed, thinking there was an error. The representative stated that she can not do that, but she can transfer me to a supervisor. I spoke with XXXX, who again told me the same information. She told me that a new policy back dates forbearance approvals this meant that my forbearance began on XX/XX/XXXX, and was scheduled to end on XX/XX/XXXX. 
XXXX instructed me to write a letter with this information ; she also sent the case to review. I would like the capitalized interest removed from my account. I do not feel that forbearance terms should be changed without informing the customer. I have submitted a {$650.00} payment, which will make my account current to the terms I was given. I have also included a copy of the letter of my forbearance terms. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX Follow up : I did not know about CFPB complaint process until recently. I received a letter from Navient stating they were correct in applying the interest, despite the fact they retroactively applied it.
Numerous times I have let Equifax know that there is a debt on my credit report that is not mine. I filed with XXXX also. XXXX corrected the mistake, but Equifax did not. I sent documents proving that it was not my debt. Equifax never changed the information. It was a situation where my father and I have the same name, but the debt is his. Now because of Equifax , I been turned down for a home loan three times.
XXXX XXXX XXXX is still reporting to all three credit bureaus that I owe a balance.. but the car has been paid off. This is a violation of the FCRA federal law to report incorrect information to the credit bureaus. I am demanding that XXXX XXXX update the information to reflect a XXXX balance. The car was paid off as of XX/XX/XXXX The account information to the credit bureaus was updated onXX/XX/XXXX reflecting that I owe {$14000.00} which isnt correct the pay off amount for the car was {$13000.00} which was paid in full to XXXX XXXX XXXX
My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.
Debt cleared then re-emerging after new sale was made. I leased a vehicle XX/XX/XXXX which was totaled XX/XX/XXXX. GAP coverage, insurance, and individual coverage from the branch of Toyota were all applied to my balance to cover for the vehicle and the vehicle itself was auctioned off. I had received a letter notifying me that I had around 20 days to pay off a large sum of money ( approximately XXXX $ ). I could not pay this amount so it was put into collections. XX/XX/XXXX, I returned to the same Toyota dealer who originally leased me the vehicle to clear up any debt I may owe and possibly consider another vehicle, as I needed one to commute to work. After over an hour with the finance manager, and him making several calls to Toyota financial and Toyota Motor Credit Corp, we came to a resolution. The finance manager assured me I did not owe any sum of money to Toyota Motor Credit Corp, as did the individuals from TMCC we were speaking with about my account. I was entirely prepared to make a cash payment settlement at this time, but was assured I was clear of debt. After this all took place, the finance manager quickly addressed my need for a means of transportation and introduced me to a floor sales representative who had then sold me a vehicle for just over {$12000.00} under Toyota Motor Credit Corp. This is the car i still possess today, and make 100 % on time payments for each month. However, I received a letter in the mail today dated XXXX XXXX, XXXX stating it was a claim for collection from Toyota Motor Credit Corp in the amount of {$7400.00}. I feel that there has been a violation of the Consumer Protection Act in that I was taken advantage of, and even misled about information regarding any debts, in order to make me purchase another vehicle. This deception caused me to purchase a vehicle unaffordable to me in the event I owed such debts. Purchasing a more affordable vehicle and resolving the debt would have been my course of action had I not been deceived. However, instead I have been almost tricked into purchasing another vehicle and lied to about the true details of any debts owed.
On XX/XX/XXXX got a msg to call XXXX. Called & person asked for XXXX. Tried to inform woman that 's not my legal or common name, only XXXX. She kept berating & yelling, finally claiming that I was rude & hung up on me. I called back and informed next woman that I had filed for ChXXXX XX/XX/XXXX and had no bad debts what so ever. She promised to take my # off their list. Rec 'd a call XXXX XXXX Sunday about XXXX then again at about XXXX. Informed woman that Collection agencies should not call on Sunday especially if I do n't owe them! Today XXXX XXXX got another call @ XXXX and woman ( LOL ) was reading me my XXXX XXXX over the phone. After informing her that I have no bad debts since BK XX/XX/XXXX, I kept repeating " Cease and desist '' to her because they have no right to harass me for someone else 's debts! The name of the agency given to me XX/XX/XXXX was Credit Control but today the " law enforcement '' sounding woman said she was with " something..XXXX XXXX '' I do n't remember the exact name. When I called back the phone # on XXXX XXXX, the woman on the line said the debt was for housing in XXXX. I think it is in California but I 'm not sure. The caller today tried to scare me by impersonating the actions of real law enforcement personnel. I have clean record but have watched countless detective shows on TV and so I know what the Miranda Rights are!
I sent a letter to Navient asking to only be contacted via mail or email, yet I received at least 20 phone calls after they received the letter. I am also certain they received the letter because they sent me a response stating they could not negotiate terms via mail.
I am/was currently financing an auto through an entity called Consumer Portfolio Services, ran into unexpected hardship, to which I informed the finance company on or around XX/XX/2016 of my personal financial hardship and distress explaining as to why I could not pay the, demanded @ {$800.00} - {$1200.00} max due to the fact I was not successful in borrowing any funds just yet. I spoke with XXXX member @ EXT XXXX c/o XXXX who offered me a 2 month extension with the stipulations which required me to make a ( XXXX ) month payment in the amount of {$390.00} - {$390.00} maximum to bring the account up and concentrate on XX/XX/XXXX 's by next month of XX/XX/2016 since my income will be stabilized afford me stationary monthly payments with the option to sign up for auto pay. 
Fast Forward : On or around Friday XX/XX/2016, I returned XXXX phone call and was astonished to hear that the prior verbal promises, and agreement was being revoked due to the staff member announcing that " she was fairly new and did not review my loan file prior to her offering solutions to my dilemma. forced to Although I am being forced to live/ sleep in my vehicle, the offer from XXXX of ( 1 ) of regular payment @ {$390.00} plus a ( XXXX ) month extension was revoked so XXXX stated '' that at this point they could only offer me a possibly due date change which would give ( XXXX ) more days to come up with the entire balance, therefore, I would still be responsible for the entire past due balance of {$1200.00} to continue to keep the car, or the vehicle of which XXXX is financing ( XXXX ), will be REPOSSESSED effective immediately!
i disputed inquiries with Transuion to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Transuion several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!
I went into an agreement with Global Client Solutions to settle XXXX outstanding credit card debts however I did not realize that they would be only responsible for passing off the debt to a Law Firm while both companies would be collecting separate fees upfront. I expected to pay a fee for any service but ended up paying {$510.00} for an entire year before my XXXX settlement was reached and at which time I had to come up with {$1100.00} to enter the agreement with the creditor. They take the fees upfront before any settlement is reached which in turn makes a difficult situation even harder. They promised that they would settle the debt for XXXX % or less of the original amount however my XXXX settlement was actually XXXX % of the original amount which by then is equivalent to me paying the full amount only difference being I payed the other XXXX % in fees split between Global Client Services and XXXX XXXX XXXX. They did settle the XXXX of my XXXX cards for XXXX % of the original amount which is the only success story from this experience but they arrange things strategically so that they only do it at the end of month after they take their fees even though I wanted to settle earlier to avoid excessive fees. Its all set in their favor so they get as much fee from the client as possible. I was also charged Pay-By-Phone Fees by their partner company XXXX XXXX XXXX every time they arranged a settlement with the company representing my creditor. I was also charged a one time Non-Refundable Legal Deposit of {$500.00} the very first month.
Account Opened in Fraud I reported my XXXX ' Store Card stolen in XX/XX/XXXX. I was mailed a new card and the charges from the card reported stolen were transferred to the new card. In addition to this I did not receive statements from XX/XX/XXXX - XX/XX/XXXX. And my website account was frozen which means I could not view my account on the website. At the same time I reported my card stolen I could view statements which were not mine however once I reported the theft all account information was removed from the website which makes it hard to prove to police what is happening. 

The dispute has been ongoing for over a year in violation of the law. 
I received a statement in XXXX for a XX/XX/XXXX charge which is not mine XXXX. I also was overcharged for items which I promptly returned. 

In addition to the harassment ; not knowing what is going on for six months and not receiving statements, XXXX ; XXXX has not been reporting the store account to the three credit bureaus. I have a XXXX Account with a XXXX credit limit which now has a XXXX fraudulent balance which consists of XXXX in charges which are not mine and the remainder in interest which should not accrue during the period of the dispute.
This debt collector for student loans has called me hundreds of times, on my phone and at my part time job. My employer has asked the caller to stop calling at my job. I have asked them to stop calling. Many different phone numbers are used to harass me. Many different callers. Some of the phone numbers that call are XXXX ; XXXX ; XXXX ; XXXX ; XXXX. However there are many more. The harassment is making me very sick as there is nothing I can do to change my financial circumstances. I am partially XXXX after three XXXX XXXX XXXX. 
The callers call me several times a day. My job is affected.
I called and spoke with an Experian rep to put in a dispute against inaccurate information on my credit report, against XXXX XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Both are in a collections status for the same account, so they are duplicates of each other. Neither accounts are mine. I explained that to the rep and referenced my XXXX acct that was in good status, paid and never late, acct # XXXX ( see attachment ). I opened that account in XXXX 2006 and closed it some time ago. 
The Experian rep said I was added to the good status account by another cardholder, but could not tell me who. She was incorrect. I was the primary cardholder for that account and asked her to send proof of my being a secondary holder. She vowed to investigate with hesitation. 
When I received an updated credit report, after the dispute, my good standing account for XXXX ( XXXX ... ) was deleted from the report and the two negative accounts that duplicated themselves, XXXX XXXX ( XXXX ) and XXXX ( XXXX ) still remained. Experian sent no expalantion, no documentation, abused their powers and adjusted my credit report as they saw fit. 
Experian needs to delete the XXXX negative accts of XXXX XXXX and XXXX ( XXXX ... ) and add the good acct of XXXX ( ( XXXX ... ) back to my credit report.
I began disputing the XXXX account entry that is reflected on my credit report with the company in XX/XX/XXXX ( see attached ). In my initial dispute dated XX/XX/XXXX, I specifically requested that XXXX provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and the name and address of the bonding agent for collection agency in case legal action becomes necessary. XXXX responded to my dispute ( see attached ), in their letter dated XX/XX/XXXX. 

Upon receipt of the documentation that was sent, I sent them a letter dated XX/XX/XXXX, ( see attached ), whereby I requested that they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release medical information to them as well as for them to cease any credit reporting until the debt has been validated by me ; XXXX failed to do so. They were not able to provide any substantiated documents that reflected financial responsibility on the alleged debt, nor did they provide a copy of my signature with the alleged provider of service to release medical information to them. Merely providing a statement that HIPAA violations were not committed is unacceptable as XXXX should have all documents to indeed prove the debt is legitimately owed versus alleged. 

To that end, this entry lacks veracity, is inaccurate and poses a HIPAA violation as any records whether transferred by the alleged medical facility should not have been submitted to a collection agency without consent being granted as reflected by signature on the applicable documents. These entries should be deleted immediately.
They have confirmed a debt to XXXX which XXXX confirms that they received a copy of the equipment return. I contacted XXXX who provided a number that says it is not in service. I called a number I found under a XXXX Search for the company and it rings and provides no message or ability to leave a message. I would like this removed off of my credit report
On XX/XX/XXXX, XXXX filed a judgement against my homestead property in Texas. We have owned and lived in and claimed this home as our homestead since XXXX. The property address is XXXX XXXX XXXX, XXXX, TX XXXX. The judgement Case # XXXX, Instrument # XXXX. This judgement was for an unpaid credit card debt. I acknowledge the debt, however, the judgement should not have been placed on my homestead property. I have been unable to refinance my home due to this judgement. I've tried to work with XXXX and then Capital One ( judgement was sold from XXXX to Capital One ) since XX/XX/XXXX when I discovered the lien. They prepared a partial release but it was never recorded. When we tried to refinance our home in XX/XX/XXXX, I discovered that the release had not been filed. I've been trying to work with them to re-prepare the release and get it re-filed since XX/XX/XXXX but I've had no luck. I most recently spoke with XXXX, XXXX, XXXX and XXXX at XXXX who have all attempted to assist, however, they've been unable to provide either an original release for me to file or have their legal team send the release to the county for recording. I need to refinance my home as I was recently ( XX/XX/XXXX ) laid-off and had to take a job paying considerably less. Capital One is preventing me from doing so and as a result I may lose my home and ruin my credit because I can not pay my bills at my reduced salary. My account # with Capital One is XXXX. I am happy to file the release myself ; I just need them to prepare it and send me the original so that I may do so. Again, I have been trying to resolve this issue since XX/XX/XXXX.
A merchant charged my credit card without my knowledge or permission. Because I knew the merchant and had authorized an initial payment the credit card company let him charge an additional XXXX without calling or verifying the information with me. I did not authorize this charge and they wont take it off, even though I reported the fraud as soon as I saw the charge.
XXXX XXXX XXXX  for the amount of {$7100.00}. I have disputed this account with Experian, XXXX and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and XXXX
I have an XXXX XXXX account and im trying to get payed for the hours i worked this week but im having problems getting the money into my account because it says my bank is taking too long to send my information. Help?
My name is XXXX XXXX XXXX, I live at XXXX XXXX XXXX XXXX, CA. ( XXXX ) XXXX - DOB : XX/XX/XXXX. " Before my Deposit of {$380.00} on XX/XX/XXXX my Direct Express Debit Card Number was stolen, & How I do n't know. But before XXXX, CA.time, some one went to a TARGET STORE in XXXX, CA. & charged {$390.00}, at XXXX ''. It 's XXXX miles XXXX, & I do n't Drive & never have. I had the the card that Direct Express gave me at least 2 yr's.I called XX/XX/XXXX & told them the # on my card was stolen & a fake card was used at the Target Store in XXXX CA.. They scent me a new card & new # on the card. On XX/XX/XXXX, I called Direct Express & Reported I had a Police 'Case # XXXX from XXXX XXXX Sheriff. I called again on XX/XX/XXXX, they asked a lot of? 's & was to send me an ( XXXX ). They never did send it, & then I got very sick & was in the Hospital for XXXX days with XXXX at Doctors XXXX, CA. Comerica Bank has not given me my stolen funds that XXXX had deposited on XX/XX/XXXX in the amount of {$380.00}, I also went to Social Security office in XXXX, CA. on XX/XX/XXXX & they told me it was the Direct Express problem, they should return those " STOLEN FUNDS '' to my Debit Card for persons who do n't have a bank account, as Social Security was stopping sending paper Checks to persons on XXXX, or XXXX. This Comerica Bank & XXXX XXXX are not doing nothing to give my Stolen Funds from my Direct Express Debit Card, which the are Insured by XXXX & all US Banking Laws to protect the Seniors who are XXXX & use what Social Secutity gives us to receive XXXX or XXXX Funds Please make them, Please, Please Help me. My Husband XXXX has XXXX was to stop this type of Stolen Debit Card Numbers, 1. Have a Photo taken at Social Security Office & send to Drect Express. 2. When using the card at a retailer as a charge & using the Master Card, have that card number return to the sells person mechine a name that that Card # was given to & it must match the name on the Debit Card & there Photo on the Debit Card & match the State ID or Drivers License with Photo. 3. In put the gold digatal Item used on some newer Cards instead of the mig. strip on the back. Please help me get my " STOLEN FUNDS '' BACK in my account befor I DIE. Yours truly XXXX XXXX XXXX.
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( Account number was not disclosed ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I informed the CA 's of this violation, they ignored the fact, but sent an updated credit report stating the information from XXXX XXXX will " remain. '' Also, XXXX XXXX, junk buyer, placed this illegal collection on my credit report in XX/XX/XXXX, which is also false and misleading.
Capital one has reported a XXXX to the irs but on my credit report its stating that I still owe a balance I have disputed this on several occasions and they have yet to change my charge off amount to XXXX if they reported as a write-off.
XXXX 2014 our house burned down. We had our mortgage with XXXX XXXX XXXX, our insurance settlement was sent to XXXX XXXX XXXX and held in escrow. XXXX XXXX XXXX reported one of the escrow disbursements as non employee compensation. The other disbursements were correctly reported to the IRS. Now the IRS is taxing me on {$87000.00} worth in income as XXXX XXXX is reporting it as if I worked as in independent contractor for them, not as an insurance settlement disbursement which is what those funds are.
I have never worked for XXXX XXXX XXXX, the other disbursements were not reported as non employee income. XXXX XXXX has refused to allow me to talk to the lost draft department, they said a supervisor would call, which they have not in 2 business days and they sent an email indicating the funds were reported correctly. If they would like to pay me the {$87000.00} they are reporting that they did, I would accept those funds and pay the taxes and penalties. However it makes most sense they correct the reporting to the IRS. I have also tried to call HR and multiple people at customer service. I do have all their contact information etc. The customer care folks said it was capital gains and that I should talk to my CPA. It is not as the house was never sold. We rebuilt it, refinanced it and live in it. They also said the XXXX does n't show that information, however the IRS 's says otherwise. I requested a copy from XXXX XXXX and they said they do n't even have a XXXX other than the {$250.00} in interest from the escrow account. The IRS has requested verification of this income. Their unwillingness to resolve this problem is not only frustrating but unacceptable. You ca n't report income to the IRS incorrectly, then be unwilling to resolve the issue.
COMENITY bank processes payments for XXXX. But they take so long to process payments that then they charge you with a late fee and interest.
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}