WillisBack/dataset-financial-user-claim huggingface dataset:
As an account holder in Navient, I have an online account for easy access, but the way they have the set-up is really hard to have much control.

In the month of XX/XX/XXXX, I wanted to add an extra amount on to my minimum payment, to pay off the loan faster, but in order to do so, I had to cancel my current AutoPay amount and reapply. Based on my payments of {$95.00}, I requested an additional {$54.00} to be added, totalling to {$150.00}. I got a notification that my request had to be reviewed in order to get approved. On XX/XX/XXXX I received a message stating the highest they could go was to {$140.00} and that I needed to sig

n up to Auto Pay online on my own accord. Navient 's online setup for AutoPay does not allow one to choose a specific amount, on the contrary, when I called, I was infor
med that my minimum payment would increase, since I had requested to add an extra amount. I asked to representative to explain how the minimum payment was calculated, to which she stated it was based on the amount I wanted to pay. I informed that to my understanding there's a difference between the minimum payment and monthly payment, and the minimum payment was consistent no matter what. She said that Navient calculates payments based on the pay off date, and the pay off date shifts based on how much I pay a month.

In the end the representative cancelled my autopay request, said my minimum payments would now be {$96.00} and everything else I pay would be extra. But in the mean time she had to wait for approval, therefore I would not be receiving interest reduction benefits and accrue interest at a contractual rate ( which since being transferred to Navient on XX/XX/XXXX has gone up from 4.780 % to 5.590 %. In addition, the in my loan term, I could no longer apply to increase payments because I only get one chance to do so, and I used it up. 

Navient has no transparency with consumers, and their online management is very poor and not detailed with loan information.
Hello, Back in XXXX we began the process to modify our 2nd mortgage. We had a balloon payment that was coming due in XXXX and unfortunately we were unable to refinance due to diminished property value. When we began the process we were ASSURED and then REASSURED this would NOT affect our credit and only then did we proceed with a modification. We pride ourselves in our good credit and have never missed nor been late on payment. 
The modification was eventually approved. Yesterday ( XXXX ) while being provided with the details of our new loan, I was told this would affect our credit severely. Even though the first payment was not due until XXXX this would be considered 90 days delinquent and reported as such. I offered to make the first XXXX payments in advance ; again I was told there was nothing they could do. The representatives acknowledged multiple times that the account was current and that her system reflects a perfect payment history yet there was nothing she could do. She indicated that SLS has 'most likely ' already reported to the bureaus. I 'm writing to request regulatory assistance. As I understand. FCRA Section 623 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Reasonable cause inaccurate '' meaning having specific knowledge, other than solely allegations ( ie documented payment history ) by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Based on this, SLS is in direct violation of FCRA and needs to be held accountable for this fraudulent and unfair practice.
this account belongs to my ex husband XXXX XXXX. this item does not belong to me and this company refuses to cooperate, even though I have provided documentation via XXXX county court district to prove this account does not belong to me over the course of several disputes.
I have XXXX XXXX by XXXX XXXX and XXXX XXXX they call non stop and neither one is mine. Ive disputed multiple times with XXXX XXXX   as well as credit repair. Please help.
I opened a equity line of credit in XXXX but default on it in XXXX. In XXXX the company sent a written settlement agreement which we both agreed to and payments started in XXXX, XXXX and was to finish on XXXX XXXX, XXXX. Because of some missed payments debt was extended until XXXX XXXX, XXXX. Which was paid in full. I called the creditor, sent letters to them and even got the three credit bureaus dispute departments involved in this issue to no avail. Even set all documents ( written agreement, bank statements with payments being deducted from my acct, proof of increased payments to pay off etc ... ) again to no avail. 
Please help.
My XXXX XXXX was opened around XXXX of XXXX. I had a loss of employment therefore causing financial hardship on me. The lender TitleMax of Missouri repoed my car on XXXX XXXX XXXX. I have tried to work with TitleMax but they just dont want to work with me or understand my issues. I always get a different representative on the phone saying different things. I also offered to give them {$300.00} dollars this month and they said it was too late. This Company has several bad reviews so therefore I 'm also filing complaints with other state and Federal agencies.
After years of struggling to make payments on my private student loans. XXXX charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, XXXX is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.
On XX/XX/2018 Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
Last year on XX/XX/XXXX disputed a couple of marks on my credit report issue that the collection agency agreed to remove due to my XXXX   military XXXX XXXX and getting XXXX overseas, XXXX   and XXXX  did not removed my negatives on the picture it shows when I started the dispute on XX/XX/XXXX and the collection came back to them with results until XX/XX/XXXX they fail to respond to my dispute within 30 days and still didn't removed it they took over the 30 days stipulated by the consumer protection afforded by the FCRA, FCRA Section 611 Part ( A ) ( 1 ).
Hello, My name is XXXX XXXX and I have an FHA loan, serviced by Caliber Home Loans, that I need assistance with. The loan, which is referenced as Loan Number XXXX by Caliber Home Loans, is currently in default status and Caliber is attempting to proceed with foreclosure on the home. 

In XX/XX/XXXX, I became unemployed. I did not resume work until XX/XX/XXXX, due to difficulty finding employment caused by unfounded negative references from my former employer. During this time I was approved for an FHA Special Forbearance Plan in regards to my mortgage. I worked with Caliber Home Loans to pay these payments between XX/XX/XXXX andXX/XX/XXXX. Each time I contacted Caliber regarding the payments, I was informed that the payments would be accepted and applied to my forbearance plan even though they were not received by the XX/XX/XXXX day of each month of the plan as long as the payments were made by the last business day of the month. I made all of the required forbearance plan payments from XX/XX/XXXX through XX/XX/XXXX by the last business day of the month, which were accepted and applied to my balance. 

In XXXX and XX/XX/XXXX when I contacted Caliber to make the payments, I inquired as to the need for any additional paperwork or documentation from me for the Forbearance process to be completed and normal payments to resume in XXXX. Each time I was informed that the process to complete the forbearance would automatically update once the last payment was received and no additional documents were necessary. 

In XXXX, I have attempted to make my normal mortgage payment only to be informed that my payment would not be accepted because my home is in foreclosure because I did not submit the required paperwork to process the end of the forbearance plan. In my most recent contact with Caliber Home Loans, on Friday, XX/XX/XXXX, I was informed that I should not attempt to make the XXXX payment because their policy was to return payments that were not made in full during the foreclosure process - meaning that if the payment I was going to make was not equal to the total past due amount ( now approximately {$15000.00} ) my payment would not be accepted. 

I would l like to continue living in my home and eagerly await the opportunity to resume normal monthly payments. Any assistance that you can give me on this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX, Borrower XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX XXXX XXXX, Interested Party ( Spouse of Borrower ) XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX
In the past months I see my credit report from Equifax have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX all those accounts are fraudulents please tell Equifax to XXXX  those accounts and I right now thank you so much XXXX bless you
In XX/XX/XXXX we received a response from Bank of America ( " BoA '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and BoA responded that this is a duplicate inquiry. However, this is a new complaint. BoA confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and BoA continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.
609a1a of the fair credit reporting act XXXX or Transworld systems nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.
Dear XXXX, We, XXXX XXXX and XXXX XXXX, opened a 14 months CD account on XXXX XXXX XXXX with an interest rate 1.25 % and a deposit XXXX XXXX which got its maturity on XXXX XXXX XXXX at Citizens Bank, XXXX XXXX XXXX, XXXX, XXXX, XXXX # : ( XXXX ) XXXX. 
The account number was XXXX. 
However, after its maturity on XXXX XXXX, this CD account got renewed with an interest rate 0.03 %, and we received no notification about its renewal except for an electronic alert enclosed as follows & gt ; & gt ; Dear eNotice Customer, & gt ; & gt ; A CD Maturity Notice has been generated for your 14 MONTH CD, account & gt ; & gt ; XXXX. 
& gt ; & gt ; To view your eNotice, login to Online Banking at http : //www.citizensbank.com. 
& gt ; & gt ; Remember : Always look for your Safe With Citizens ( R ) Image and Phrase before & gt ; & gt ; entering your Password. 
& gt ; & gt ; Thank you. 
& gt ; & gt ; Please do not reply to this e-mail as it is automatically generated. If you are a Retail & gt ; & gt ; Customer and have any questions, please feel free to contact us at XXXX, if & gt ; & gt ; you are a Business Customer please call us at XXXX. 

We moved from XXXX XXXX to XXXX XXXX last week on XXXX XXXX XXXX, and before our move, we visited the branch of Citizens Bank at XXXX XXXX XXXX, XXXX, XXXX where we opened all our accounts, and tried to make clear the final steps of our business with them. 

At our first visit on XXXX XXXX XXXX they informed us the renewal of this 14 months CD account, and our response to this was to close it immediately as we did not expect any renewal ( from Open/ Renewal Date : XXXX/XXXX/XXXX to Maturity Date : XXXX/XXXX/XXXX ). They penalized our closure with the following data XXXX/XXXX/XXXX Interest Transfer Out - {$60000.00} {$0.00} XXXX/XXXX/XXXX Interest Penalty - {$9.00} {$60000.00} XXXX/XXXX/XXXX Penalty Early Withdrawal Transaction Penalty - {$50.00} {$60000.00} for a total amount of XXXX $ penalty. 

We felt very uncomfortable about the way this was done as they said their system indicates a mail delivered to us which we never received - we had similar issues before. 
We called Citizens Bank online customer service and got responded that moving a long distance where no branch of Citizens Bank is accessible is a reasonable reason that this renewed CD account be closed without any penalty. 

After this phone call, we went back to this branch and had a talk with its manager on XXXX XXXX XXXX who deliberately run us out as he knew we are going to move soon. 

As we neither receive a phone call nor an email since then XXXX XXXX XXXX, we assume they would do the bad business with us and look for exterior authoritative help. 

Thank you in advance! 
XXXX XXXX and XXXX XXXX
XX/XX/XXXX I mailed out letters to dispute inquiries that were unauthorized credit polls on my credit report from XX/XX/XXXX. I have not had any response to my letters.
Recently I have been given a judgement summons to have my paychecks garnished by unknown collection agency called LVNV Funding LLC . Represented by XXXX XXXX XXXX XXXX lawfirm. This lawfirm does n't even have an address besides a XXXX XXXX . When calling it goes straight to voicemail. They seem a bit shady should n't a lawfirm have an address to consult with?? My employer called me on XXXX XXXX, 2016 at around XXXX notifying me of this judgement summons. I was unaware of this suit and have never received any summons to appear in any court. I have XXXX kids, my girlfriend, and her father living with me. I can not afford to have my check garnished in any way. I have also recently checked my credit report with ( XXXX ) and ( XXXX ) along with my XXXX score XXXX of XXXX reports were over ( XXXX ) and nothing about owing anything to LVNV Funding LLC . I will be unable to take care of my family if this action is taken against me. I have also consulted legal consul as well. My employer has helped me draw up a letter to submit to the lawfirm in question, my legal council told me it would be fine. I will also will be sending it to you the CFPB / Federal Trade Comission
On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the Equifax credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.
I sent a letter to Equifax letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Equifax refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Equifax provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
XX/XX/XXXX, I made a computer purchase but never received the items from Macy 's. I used my Macy 's American Express Card to make the purchases. I informed the company by phone and was told they would look into the issue. I never received any mail correspondence ; and thought the matter closed. Starting the XX/XX/XXXX, I started receiving calls from Macy 's collection department demanding payment. After speaking to several representatives in the credit and collection departments, I was told several times the matter had been resolved. I even spoke to representatives at XXXX XXXX. I tried numerous times to resolve the issue. I later found out that I must have requested only online correspondence ; thus the reason I had not received any mailed correspondence. I corrected that after speaking to another Macy 's supervisor credit department representative who told me the items had been returned back to Macy 's and that I owed nothing. Again, told by this department supervisor that my account would be resolved. However, even after that call with a Macy 's department supervisor in credit department, the calls from Macy 's collection department continues. I went on line and copy a letter ( see attachment ) from XXXX XXXX XXXX which states that I owed nothing and my account had been credited for the amount of the items I purchased back in XX/XX/XXXX ; the date of the credit was XXXX/XXXX/XXXX. I was instructed by a Macy 's credit department supervisor on how to access this letter. Supervisors I 've spoken to include : XXXX XXXX and XXXX ( XXXX number XXXX ) XXXX continue to get calls from Macy 's collection department which I now ignore ; the same number phone number is used. In addition, I changed my request for information regarding my account and now have my information mailed to me. In XXXX XXXX, I receive a copy of a bill which states I owe {$150.00} which includes the original amount of {$110.00}, fees ( {$37.00} ) and interest ( {$2.00} ). ( see attachment ) I am exhausted with talking to one department and being told that the matter is no longer an issue and the non-relenting collections department who is bent on getting money from me that I do n't owe. I 'm soliciting this agency 's help in stopping the harassment and eventual detriment Macy 's collection department will assess to my credit record.
The branch manager at Bank of America in XXXX XXXX is in desperate need of XXXX followed by retraining as to her obligations as a manager, fiduciary representative and customer service provider. XXXX the branch manager not only lacks basic mediation skills that are required of such a position but also the knowledge to adequately perform her duties. She was rude, uncouthed and seemed to be uneducated in basic fiduciary duties. A seemingly simple transaction turned into a 5 day hassle with XXXX roundtrip visits to the actual branch and 3+ hours additionally in telephone transactions. In all of this may i add she never bothered to return a single phone call or respond to the XXXX meshes i left her. In the end, my actions on good faith were of no consequence causing only frustration, financial expense, a XXXX hold of my funds AND she got a new account out of me! The attempt to validate my less than satisfactory experience with Bank of America on XXXX XXXX, XXXX XXXX, CA. left me only MORE disgruntled. These people obviously care less than an iota for the people they claim they aim to serve.
XXXX   XXXX   - I requested my free annual credit reports from all three credit agencies  (   XXXX   XXXX ,  XXXX , Experian  ) .  XXXX   XXXX  and  XXXX  sent me their reports - no problem. Experian refused to send my report, claiming that I had received an Experian report within the last 12 months. This is wrong ; I last received an Experian report in   XXXX   XXXX    .     I tried to contact Experian, but all their phone numbers that I could find go to automated answering machines that only expected me to request a credit report. I sent an e-mail to them, but they sent a message saying they could not respond to individual requests.     How can I get them to pay attention and clear up this problem?     Thanks,  XXXX
I went to XXXX XXXX XXXX on XXXX/XXXX/16 to have XXXX tires installed and a wheel alignment. When I pulled away I noticed immediately that my car was pulling hard to the right and that the tires were making an awful amount of noise. I took the car back to XXXX the next day and told them that I was unhappy with the noise of the tires and that the car was pulling hard to the right. I was told that the tires being noisy was normal. The tires make a loud whining noise which gets worse when I turn. It sounds like the tire 's are rubbing against the inner fender. I checked the wheel well and saw that nothing was close to even rubbing against it. I left the car there to have the alignment corrected. I picked up the truck and again when I drove away the car was pulling to the right. I tried speaking with XXXX customer service but was hung up on multiple times. I spoke with the manager at their XXXX location and he told me that the truck was to long and tall and that none of the XXXX locations have the proper equipment to do the alignment properly. I had to go to an alignment shop which I have the receipt to show proof that I took the truck there. I ended up filing a dispute with my bank capital one. They denied my dispute and they did not give me a reason why. All they did was send me a copy of my receipt. I wrote a letter and sent it to them explaining the problem and a copy of the receipt from the shop I took my truck to have the alignment done properly. I called and they said that they were not going to look into it any further and that the dispute is closed. I did not spend {$1100.00} to have annoying noisy tires and an alignment that could not been done properly.
HI, My name is XXXX XXXX.
I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX ****** Balance {$1200.00} XXXX XXXX XXXX******* Balance {$440.00} please update and remove all items listed above
never had this credit card. never paid on never used it. have been requesting info on this supposed debt but one bill collection company just passes it off to their affiliated bill collection companies. It goes on and on and on. If I forget to respond to one of these places I might be sued for something that is not my responsibility. who protect the little guy. you?