WillisBack/dataset-financial-user-claim huggingface dataset:
Navient  automatically un-enrolls borrowers from their " autopay program '' if the borrower attends school again. The autopay program is beneficial because it gives the borrower a lower interest rate and automatically deducts payments monthly. The catch here is that, when the borrower calls to request being re-enrolled into the autopay program, they are told by customer service that they will be enrolled the following month. Then, they are never enrolled, interest continues to accrue, and payments never made. This allows  Navient to siphon money out of these accounts in two forms : 1 ) by not allowing current students to be enrolled in autopay while still enrolled in school, or 2 ) actually lying to students, telling them they will be re-enrolled, and then no action takes place. Meaning higher interest rates are applied to the loans during these " periods of confusion ''. If you graduate with student debt and return to school ( grad school ), you will be removed from autopay without warning, your interest rate will increase and no payments will made. Untill the borrower notices this, and contacts Navient, interest accrues while the borrower is under the impression that they are still making monthly payments. Upon contacting Navient, customer service representatives falsley confirm re-enrollment into autopay for the borrower, which never takes place, again allowing time for interest to accure at a higher rate while the borrower is under the impression that the issue has been resolved.
Almost 18 months ago, my loan was purchased by Residential Credit Solutions. At the time, my mortgage payment was XXXX. Roughly four months after RCS had my loan, my payment increased to XXXX for " escrow purposes ''. I spoke with my town about a rise in taxes, that did n't happen, and my insurance for the year had already been paid. RCS claimed that I had to be charged but never truly explained why. I kept up with my payments monthly until XXXX. As a single mother of XXXX and a home owner, unexpected financial expenses came up and had to be taken care of. So, I sent my payment in XXXX and RCS sent it back to me and said that my loan is in default because I was deliquent with XXXX payments, that I am heading for foreclosure, that they will not accept anything less than the XXXX payments and that THEY WILL RUIN MY CREDIT!!! I was advised that my only option is to refinance the loan as soon as possible and get away from the company. THE PROBLEM is that they are now saying that I am XXXX PAYMENTS DELINQUENT and they are holding those payments against me so that my EXCELLENT CREDIT SCORE that 's taken years to establish and has always been impeccable, is now been dropped to a middle score of XXXX. I 'm not sure what I can do next, but I am in desperate need of some sort of financial help and advice. Thank you so much for listening!
I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my TransUnion account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX  it is showing as closed, XXXX  % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX  screen shot attached. 

I disputed with TransUnion on XXXX XXXX & XXXX XXXX ( via XXXX   website ), details attached. I also disputed directly with XXXX  on XXXX XXXX   ( details attached ). 

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).
There 's an option to transfer a balance on my card but I 've never been able to transfer a balance. I 've had this card for about four years and have never been given an offer to transfer balance. But Chase still has the option to do so, I would like to be able to transfer a balance since it 's listed on my account.
To Whom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.

I am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623.

On separate occasions, I have disputed with all credit bureaus ( XXXX, XXXX, and XXXX  included ) pertaining student loans for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account is reporting to XXXX, XXXX, and XXXX is inaccurate and incomplete.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Payments history is inaccurate and incomplete Please not documents 1 and 2 as well as the loan numbers correlating to the accounts below
We modified our Home Equity Line with Chase in XXXX XXXX. They advised us on a number of occasions that we are in default. We feel Chase has been harassing us. On XXXX XXXX, XXXX, they sent us a letter saying that they are attempting to collect a debt. Worse, they over billed us on the monthly amortization beyond the fixed rate of 2 % for 5 years. Records show that we are current in our mortgage payments.
They are reporting account is open ... The account was closed on XX/XX/2017 ... They are re-aging account and reporting inaccurate and invalid information ...
For many years now I have been paying my Discover credit card balance on time but recently decided to look into in more details, it seemed that little was applied to my principal, the worse is that I noticed for many years now the " BALANCE SUBJECT TO INTEREST RATE '' on purchases decreased while " BALANCE SUBJECT TO INTEREST RATE '' on cash advance has been increasing at much higher interest rate has increased month after month for many years since as far as XXXX ( Discover statements are not available past that year XXXX XXXX for me to assert with full certitude that the practice did not start at a earlier date ), in XXXX XXXX my cash advance balance was at {$1600.00} and it is now in XXXX XXXX at {$6900.00}. The cash advance as of XXXX XXXX was at {$0.00} and it has been at {$0.00} to this date in XXXX XXXX, so I am not quite sure how it is possible for a " BALANCE SUBJECT TO INTEREST RATE '' on cash advance to increase on that basis, on the other hand allow " BALANCE SUBJECT TO INTEREST RATE '' on purchases shifted/moved to " BALANCE SUBJECT TO INTEREST RATE '' to cash advance at a much higher rate all the sudden for years. The XXXX Card Act is very clear on the rules on payments allocations and for years it was not done putting us through financial distress for years now.
Made a payment of XXXX on XXXX to Bank of America, then immediately deleted it and processed a payment for XXXX. The system took the deletion and only showed XXXX payment for XXXX. I checked my account and both payments went through, I called spoke to agent XXXX oper ID XXXX and manager XXXX XXXX ID XXXX on XXXX, explained what had happened. They refused to refund me my XXXX as they stated it would put me over my limit. I informed them why did n't they just decline the charge that was accidently put on by my son while on his honeymoon. He give them the Bk of America card but meant to use a different card. They approved the charge, but wont give me my money back for the payment of XXXX that was supposed to be deleted by their system.I told them I do not have the funds in my checking acct and need it for my husbands upcoming XXXX as he has XXXX. His XXXX is scheduled for XXXX and I can send documentation. I need my XXXX back and it was their system fault not mine that it did not delete the payment, but instead processed both the XXXX & XXXX. Like I said their system indicated that it was canceled. This happened to me last month when I made a on line payment of XXXX & received a confirmation # .I followed up on that payment & called when I saw that it did not post. The agent advised that they had system issues that day & I would need to resubmit my payment. I told her I had a confirmation # but she said that does n't help. So I made another payment for XXXX as I did not want my account to reflect that I did not make my payment. Lo & behold both payments were processed. I called again to no avail ... So that 's twice their payment system has messed up and hurt me financially.. Please help me get my money back, I 'm desperate and broke & will start getting return payments in my checking account. 
Thank you!
For the past several weeks XXXX XXXX with the NAS Group has repeatedly called not only myself but my entire family in regards to " file number XXXX ''. When they initially reached out to me in XXXX I returned the call on XXXX XXXX but was not passed on to XXXX XXXX. The representative I spoke with ( XXXX XXXX ) was pushy and rude and I told him not to call me or my family anymore. The phone calls ceased briefly, but have since resumed as of XXXX XXXX. After the treatment their employee subjected me to, and this repetitive harassment of not only myself but my parents and my siblings, and even their wives, I am resolute to my previous statements that they can email me directly but they must stop harassing me and my family.
I recently received a credit card in the mail for which I did n't request. I know that this is a scam in that my name was printed twice on the card. XXXX with my middle initial. I contacted the company XXXX XXXX and they would not provide any information about the company, how they acquired my information, etc. I told them I wanted the specifics on this card and the representative would not provide any details. I informed them I would contact the FTC and they said " go for it '' as if they were above any laws. Their website is very vague and does n't provide any company information, just a page to enter credit card information.
I obtained this loan in 2000. The interest rate was to be a fixed, stated a fixed but jumped. Also, fees were included XXXX. The company after the condo was sold, started calling and making threats. I would like all my money back, every penny. I have many complaints to file because believe it or not they are somewhat related.
I have a tax lien reporting on my equifax credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with equifax. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they keep refusing to remove this and telling me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting equifax! It 's hurting ME! Its literally keeping me from obtaining credit at certain places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.
I refinanced my VA home loan with Ikon Financial ( new name - XXXX XXXX XXXX ) last XXXX and have been trying to get my escrow refund for the past year. I have spoken to the owner, XXXX XXXX, on numerous occasions in reference to the owed escrow refund and have been receiving nothing but excuses. I have email correspondence from XXXX XXXX acknowledging the accounting error and that I am owed the refund, but I have yet to receive it. I also submitted a XXXX Complaint in South Carolina, where Ikon Financial ( XXXX XXXX XXXX ) is located, and still no results. Even though this is a Brokerage company, the refund that was sent to them and was cashed by their accounting department, should have been refunded to me, per XXXX XXXX response on XXXX/XXXX/2015.
On XX/XX/XXXX me and business partner hired a company called XXXX XXXX XXXX to dispute a county tax lien that we had from one of our previous businesses. XXXX XXXX XXXX guaranteed and promised that they will dispute our tax lien by paying them {$5000.00} ( XXXX XXXX dollars ). Me and my business partner waited 2 months patiently for them to act on our matter and were hoping that our lien issue with the state of Michigan was over with. When we contacted XXXX XXXX XXXX in XX/XX/XXXX they told us that they have not worked on our case and had no idea how much the amount we owed was basically they took our money and didnt provide any services. 
Me ( XXXX XXXX ) and my business partner XXXX XXXX decided to dispute the charges XXXX XXXX XXXX took from us XXXX from each person due to not providing us any services and not working on our case. 
I contacted my bank ( BANK OF AMERICA ) to dispute the charges unfortunately XXXX XXXX XXXX provided them documents which I never signed saying Iam okay with them taking my money even if they dont resolve my case. 
XXXX XXXX bank ( XXXX Bank ) was able to refund His XXXX charge and were able to investigate the case the right way My complaint is against Bank Of America for not being able to get my money back for me and telling me time fram is over even when I provided them documents on XX/XX/XXXX which was before the ending time frame period to have them reivestgate that company and find out how XXXX XXXX  was able to refund XXXX XXXX XXXX back however Bank of America did not put any effort and did not reivestgate and gave me the runaround for 10days till the time frame was over My second complaint is against XXXX XXXX XXXX for taking my money and refusing to refund me the charges.
I took out a Home Equity Line of Credit with HSBC in the amount of {$33000.00} on XXXX/XXXX/XXXX. I made payments as agreed and in about XXXX began making extra principal payments monthly. The loan was paid off XXXX/XXXX/XXXX. Over 11 years, the principal was only reduced by {$7300.00} despite the fixed interest rate of 8.55 %. In many months where extra monies were sent, that was the only amount deducted from the principal -- the rest was applied to interest. Many errors were made in charging fees not applicable to my loan ( Line Maintenance Fees ) ; in XXXX XXXX, the balance owing was raised by {$740.00} after a payment was made ; payment amounts were n't always applied correctly ; late fees were sometimes charged even though most payments were made early. Calls and/ or letters were n't responded to properly and supervisors would n't return calls. 
From what I can determine from the last 4 years of statements that I have, a minimum of {$1700.00} was charged to me in error. Additionally, the final payoff figure showed I was charged {$870.00} in interest and I 'm not sure why that would happen. I paid the amount they said I owed just to be able to get rid of the loan since it was apparent it was never going to be paid off no matter how much I sent in extra payments, nor was anyone at HSBC going to address my complaints or concerns.
Comenitybank XXXX My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within XXXX hours at the latest and I wo n't accept nothing no later.
On or about XX/XX/XXXX I purchased 4 Money orders for XXXX each which I made payable to XXXX XXXX XXXX ref numbers are XXXX, XXXX, XXXX. I mailed them to XXXX XXXX payment address as I had done several times in the past. I noticed by the end of XXXX that the MO had not been applied to my account. I called XXXX XXXX immediately. Western Union told me they would request a copy of the MO be sent to me for inspection XXXX and XXXX passed I called numerous times until I strongly suggested they process my claim and get me these copies. I finally got a copy of 2 of the money orders which I then called and asked for the others to be sent to me as requested 2 months prior. Western Union sent the other 2 by this time it is early XX/XX/XXXX I  called them back they told me that I would have to wait to receive paperwork by the end of XXXX I received the needed paperwork, had to spend XXXX for notary fees and sent requested documents on XX/XX/XXXX, which they received XX/XX/XXXX per USPS tracking return receipt. I called today they claim to have received the documents and that an investigation will begin. Claims department asked me to call back XX/XX/XXXX. I do not have the means to wait for XXXX for this period of time. I am sadden for people with lesser means
I have a XXXX mortgage with BOA. I have been paying on it over 10 years. I have never missed a payment. I monitor my credit report for it is important to me to keep my credit status in good standing. It was not until I received a notification from the credit bureaus that I realized BOA reported to the bureaus that my account was late on payment. My credit score dropped a significant number of points for this reason. I checked my bank account and the payment was made on time. I called BOA and they said it arrived in time but was short about {$54.00}. I was upset and mentioned that BOA has then misreported what actually occurred to the credit bureau. It was not late. I disputed the transaction with the credit bureau as well as with BOA and BOA will not remove the negative reporting. What had occurred was the interest rate changed so the amount of the monthly amount increased. What is so ironic is the payment use to be approx $ XXXX-XXXX a month for 10 years and now XXXX. I never received a kudo on my credit report when I sent in XXXX or more in the past but as soon as it was short they were quick to report that without notifying me. Overall my complaint is I explained why the payment was short ( I had no knowledge of after 10 years of paying on this XXXX that the amount had increased. I go into my bill pay and plug in the same amount for years. But to report to the credit bureaus that the payment was late was inaccurate, incorrect and false. The payment was made on time!
This debt reported by Credit Protection Association is not a valid debt. I submitted a letter to their company on XXXX XXXX, 2015 requesting that I be sent several specific documents that prove I owe this debt. Credit Protection Association did not respond to my request. I have attached a copy of the letter. 

In addition, this debt is over 7 years old and can no longer be reported to the credit bureaus according to the Fair Credit Reporting Law.
There is an address on my Equifax credit report that is not mine and I have never lived in New York in my life. I want this information removed ASAP because it 's not mine and should n't be there.
I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXXXXXX Closed : XX/XX/XXXXXXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ XXXX {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ XXXX {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos )
I disputed the tax liens that 's on my file on  XXXX  different occasions as being incorrect asking for verification and validation.  XXXX  told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to  XXXX  and  Transuinon  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file. Transunion have not responded ( even though its been over 30 days  ) a nd   XXXX    stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.