WillisBack/dataset-financial-user-claim huggingface dataset:
I graduated from college in XXXX 2016. I tried numerous times to get in contact with my loan servicer and had no luck each time. I received no correspondence or contact from my loan servicer Navient. No contact before or after my graduation. I needed to consolidate my Direct Plus loans in order to make the payments something I can afford. However, every time I tried to call Navient the customer service was busy or could not help me at that time. I had no idea when to start repaying my loans or how much I needed to pay because the loan servicer never replied to my questions or got in contact with me. I have been out of school for a year and two months ago I received the first letter from Navient telling me that my loans were in default and I owed {$1700.00} as my monthly payment. I contacted them and they said that they had reached out to contact me and heard no response. That is a lie because I never got any e-mails or mail from Navient regarding my loans. I paid the amount that they requested in order for my account to be up to date, however I am unable to continue to pay that amount each month as it exceeds my monthly income. I am in desperate need of loan consolidation or else I will be on the streets soon as this is insane to be paying more than I make every month because an employee at Navient is unable to take the time to do their job correctly and help me consolidate my loans and put them on a payment plan that I can afford. Instead this company is making a stressful part of my life that much harder and is putting me in an extremely severe situation. Navient is a horrible company and should be shut down.
My wallet had been stolen from me on XX/XX/XXXX, around XXXX PST. Once I realized my wallet had been stolen, which had my Victoria 's Secret Credit card in it, which is issued by Comenity Bank, I called the toll-free number provided by Comenity to report my card stolen. Customer representatives were not available, but an automated service provided the option to report my card stolen. I followed all the correct prompts but at the end of the prompts, the automated service told me it could not assist me with my reporting my card stolen. I called again, and followed the same prompts to report my card stolen and was told again that the automated service was not able to report my cards stolen. So, I decided to wait to call back when a customer service rep. would be available. A week later I received notification from XXXX, that XXXX and XXXX reported there was a change to my account, which was that my Victoria 's Secret credit card account had been closed as of XXXX/XXXX/2017.
I reached out to Comenity Bank who confirmed that my account had been closed by their automated system, and the only option to remedy this was for me to re-apply for the Victoria 's Secret card again. I have been a cardholder with them for 4 years. Even though the mistake was their own, they had no solutions to remedy the injury they caused me. Now, I have a closed account on my credit report because of a mistake that their automated system caused. This will impact my credit score, and I refuse to reapply because reapplying for the credit card will also affect my credit score when it pulls a hard inquiry to determine my approval for the card.
PLEASE ALLOW US TO ADD INFORMATION I LEFT OUT OF MY ORIGINAL COMPLAINT IN REFERENCE TO : Case number : XXXX LENDER IS NATIONSTAR MORTGAGE LLC AND IS THE SERVICER XXXX WE ARE ENTITLED TO ALL OF THE REQUEST FOR DOCUMENTS BECAUSE THE SERVICER IS ALSO THE ORIGINAL LENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX CORP***LENDER, NATIONSTAR MORTGAGE LLC XXXX SERVICER XXXX NATIONSTAR MORTGAGE LLC OUR LOAN IS IN THE NAME OF XXXX XXXX XXXX, AND LISTED ON THE SEC GOV ONLINE SITE * XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ( LENDER ) AS PER NATIONSTAR XXXX 2016 IN XXXX LETTER WE RECEIVED XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX LOAN XXXX XXXX PROPERTY XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXXLENDER XXXX NATIONSTAR MORTGAGE LLC XXXX SERVICER : NATIONSTAR MORTGAGE LLC XXXX AND THE SAME. 

THE COMPANY HAS COMMITTED PERJURY TO STATE AND FEDERAL AGENCY 'S SUCH AS DELAWARE XXXX OFFICE, CONSUMER AFFAIRS, CFPB, AND US THE BORROWER 'S WITH THE STATEMENT, " According to our records, we do not have any information to substantiate the borrower 's claim that the Unpaid Principal Balance ( UPB ) is {$30000.00} short, Please note that we can not attest to another company 's actions, including how they handle the closings of loans. '' * THIS IS A FALSE STATEMENT XXXX XXXX XXXX, F/K/A CHEC FUNDING, NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX WHO UNDER-WROTE THE LOAN PRE-SALE, WE WILL PROVIDE PROOF. WE HAVE THE TITLE COMPANY 'S CLOSING INSTRUCTIONS AND NATIONSTAR XXXX XXXX XXXX XXXX XXXX 'XXXX FUNDING LETTERHEAD PER-SALE MORTGAGE COMMITMENT, AND CLOSING INSTRUCTIONS, SIGNED AND DATED. ECT. REGARDING OUR REFINANCE CASH -OUT WE WILL PROVIDE THE DOCUMENTS., PLEASE ADVISE, WE CANT UPLOAD THEM BECAUSE THERE ARE MANY DOC 'S TO PROVIDE, WE REQUEST THAT ALL THE DOCUMENTS FROM NATIONSTAR BE FORWARDED BY MAIL ONLY TO US, AND NOT E-MAILED.
I received numerous threatening calls from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. XXXX XXXX XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX, XXXX and TransUnion and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX   Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
I purchased a card about 5 years ago at XXXX 's XXXX XXXX value of {$500.00}. I bought 2 cards and used them to go on a trip. I thought the card was empty so it was destroyed. Then I got a letter from US Bank stating that there was $ XXXX.and change left on the card and that I needed to call them if I needed a replacement card or the $ $ would go to the state. I called as soon as I received the letter and was told, " no problem. a new card would be mailed and I would receive it in 7-10 working days. '' The card never arrived however I was charged a {$5.00} re-issue fee. So I called back and a second time was charged a re-issue fee and told it would come in 7-10 working days. The card never came. I called back a 3rd time and was told that it had been done wrong the first 2 times and now I needed to fax the front and back sides of the letter, the envelope it came in and a letter written to them of why it needed to go to a new address.since my home was involved in a legal battle. I also included my drivers license copy so they had my ID with the original address on it. I had to pay {$8.00} to XXXX 's to have this done as now I am living in my car and don't have access to my own fax machine. Still no card came. Spoke to a manager a fourth time and still no card. I called next and now they say there is no record and I should fax all these things again and that I need to provide a new envelope with the address change on it. I have no bills and I am responsible so I notified all important parties that I had an address change so I an not at this time provide a new envelope with a change of address sticker on it. US Bank has been so nice on the phone until the last man I spoke with who was rude and inconsiderate. It should not take 5 months to get a replacement card of {$250.00} Everyone needs a little help sometimes and I really could use this money as I am now homeless and on food stamps and living in my car. Thank You P.S. Any documents I have now will have to be downloaded or copied at a later time.
have sent over XXXX letters to both attorneys office and office of the collector -- got nothing back -- will not respond to anything. in court they act like they know nothing. lawyer does. have mail delivery receipts -- wont respond or anything. I made a payment via XXXX XXXX money order and it was cashed and deposited and nothing reflected. have copy of money order and mail delivery receipt and it still show I did n't pay and now they are trying to garnish my wages.
I entered into a contract with XXXX ( web development company ) and funded a contract with the amount of {$5400.00}. Due to outside circumstances ( delays, poor performance ) we canceled the contract on XXXX. This was consulted by XXXX dispute team and American Express. The balance of the contract was {$2700.00} which we tried to recover on XXXX and via American Express dispute. After multiple attempts XXXX advised moving to arbitration ( AAA ) with an additional fee of {$290.00} and after a call to American Express on XX/XX/2018, by the customer rep on a recorded call they said not to pay the arbitration cost and American Express will handle the dispute. On XX/XX/2018, I was notified that we lost the dispute citing that the other party on XXXX paid for their portion of the arbitration. The funds in total were distributed to the other party due to the American Express rep. American Express needs to consult the XX/XX/2018 call recording with XXXX where he states that we should not pay the {$290.00} arbitration fee. We seek American Express to credit our account in the amount of {$2700.00} as it was under their advice on a recorded call from XX/XX/2018, that we did not enter into arbitration thereby losing the money we had in our escrow account. This is evidenced by the recorded call and the letter attached from American Express dated XX/XX/2018. We have now opened three disputes with American Express. American Express acknowledged on a recorded call I am in possession of that the call from XX/XX/XXXX exists and to seek 3rd party legal help. Please see attached documents for timeline and resolution from American Express that we dispute. 

From the previous dispute, American Express acknowledges that they " found we could have more clearly explained how the dispute process works. We apologize for any misunderstanding you may have experienced as a result of this matter I am glad this is a {$2700.00} teachable moment for American Express. If this is such a misunderstanding why will they not release the call to the CFPB and or myself as stated here, " Phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena. " American Express knows that they offered the wrong advise even when point blank asking if we should pay the arbitration fee, they then said no on several calls not just the XX/XX/XXXX call. 

I have been a customer for 14 years, you lost me and everyone I know now.
In XXXX Wachovia/WellsFargo placed a HELOC lien on property that they do not have a loan against. This is my investment property. They were contacted on XXXX/XXXX/XXXX regarding this and asked to resolve this asap since they refinancing was to be on XXXX/XXXX/XXXX. They have yet to correct this as of XXXX/XXXX/XXXX and today asked for 10 more days.
HONDA FINANCIAL SERVICES XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX Secured loan XX/XX/XXXX Made a payment of {$400.00}, more than due. Had not received a booklet for payment and did not want to be late. Sent it to their office as per my paper work. 
XX/XX/XXXX Made another payment of {$400.00}. 
XX/XX/XXXX Got a late payment notice, called and spoke to XXXX who said I paid too soon and the payment did not calculate into the billing cycle. I asked if I can have the date due changed to fit my schedule of paying bills. She told me that I have a grace period and that late fees are stipulated after 30 days. 
Therefore, over paid each month, paying my bills on the XXXX of the month. 
XX/XX/XXXX Called a XXXX at at XXXX Called Honda Financial Services to make a final bill but my totals were different than theirs. Asked for a spread sheet or accounting of each interest charge, receivables, and charges to verify with mine. Could not help me but sent a running total that was not clear. 
XX/XX/XXXX Received a " Running Account '' that was not clear and easy to read. 
XX/XX/XXXX I called again and was told by XXXX that I had many late fees and that they will not send me a sheet or accounting. Asked to speak to manager, was told he was not available and I would be sent to his voice mail to leave a message. Asked her, to give him the message and transfer me. 
XX/XX/XXXX Called back and spoke to XXXX, she said she would take the message and also transfer me to voice mail of. Left him a voice mail with all my information and phone number with a XXXX XXXX, manager. 
XX/XX/XXXX Honda Financial Services never phoned me back Dispute : I received NO statement or billing stating that I had any late fees. I made regular over payments, never late as per XXXX to finish off loan sooner than the 5 year plan.
I had a XXXX co-branded card issued by FIA/Bank of America. XXXX has decided to change card issuers but I wished to remain a FIA/Bank of America customer so when I called to ask if that was possible, the customer service rep told me to apply for a new BofA credit card, which I did. I ran into two problems. 1 ) I was sent the wrong type of card. I applied for the XXXX card but got the XXXX card instead and 2 ) My credit limit on my old FIA card was XXXX ... but I got a letter saying that because BofA already had that level of credit exposure with me, my new account would be assigned a much lower credit limit ... .even though I was told my old XXXX FIA card limit would be reassigned to my new BofA card since the XXXX account was no longer a FIA/BofA liability.
Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.
I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES : * ALL Y FINANCIALS  -  XXXX  and  XXXX    XXXX   AUTO FINANCING *  XXXX   XXXX   XXXX   XXXX  and  XXXX    XXXX   AUTO FINANCING *   XXXX   XXXX     -  XXXX  and  XXXX    XXXX   AUTO FINANCIN G *    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX    XXXX   AUTO FINANCING PAID-OFF/DUPLICATE COLLECTIONS - AGENCY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    *   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX
I have received XXXX voicemail messages on my cell phone from XXXX XXXX XXXX. They say their message so fast you do not even understand what they really want. Finally, after the XXXX call I called back. They were trying to collect a debt from someone who had my same name but kept calling me because my name was the same and I lived in the same state. XXXX XXXX, in their complaint department said they searched public records and got my number. I think they should verify more than names and phone numbers. I feel they were harassing me and I do not owe the debt and was guilty because I had the same name! These type of tactics should be stopped! Who do they think they are anyway!
The following note was sent to Experian website on XX/XX/XXXX and no reply was received : I want to cancel any subscription you may be holding for myself XXXX or my wife XXXX and want full refunds for all prior charges of {$21.00} each on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would like an email reply plus a phone call at XXXX Your numerous customer service numbers on line are impossible to use and I do not wish to give you my social security number. 


The following letter was mailed to Experian on XX/XX/XXXX on XX/XX/XXXX and no reply was received : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Madam/ Sir : This letter is to formally dispute your monthly charges of {$21.00} from XX/XX/XXXX to XX/XX/XXXX ( inclusive for 13 times ) to receive a monthly credit report. This was not authorized by myself, my wife, or by my daughter XXXX. These charges were made against my personal credit card. 
I would like a full refund made immediately and to stop all future charges. 
I can be reached at the address, phone, and email below.
I PURCHASED THIS HYUNDAI XX/XX/XXXX AND MADE PAYMENTS FOR 4 YEARS, FOUGHT WITH THE COMPANY THE ENTIRE TIME, ABOUT PAYMENTS REPORTED LATE EVEN WHEN CALLED IN ON TIME! IF I MAILED IT, IT WOULD BE 60 DAYS LATE! I PAID THIS VEHICLE OFF 4 YEARS AGO, HAVE CERTIFIED MAILED XXXX LETTERS STARTING XX/XX/XXXX TO REMOVE THE NEGATIVE REMARKS FROM MY CREDIT, IT WAS NEVER MARKED DISPUTED UNTIL I WENT THROUGH TRANSUNION TO DISPUTE, THE CREDIT BUREAU THEN MARKED DISPUTED AND IT WAS DENIED AND VERIFIED ... .BY HYUNDAI MOTOR FINANCE BUT THEY COULD NOT PRODUCE THE ORIGINAL CONTRACT OR PAYMENT DATES REQUESTED NUMEROUS TIMES! I HAVE YET TO RECEIVE A RECEIVE A COPY OF THE ORIGINAL CONTRACT AND PAYMENT RECORDS I REQUESTED FROM HYUNDAI MOTOR FINANCE, ONLY XXXX LETTERS BACK ASKING FOR INFO FROM ME AND MY SIGNATURE!! I AM AT A SMALL CLAIMS STAND POINT FOR NON-COMPLIANCE FDCPA Section 807 ( 8 )!!! I HAVE CERTIFIED MAIL SIGNED CERTIFICATION THAT THEY RECEIVED MY LETTERS. ALL I 'M ASKING IS FOR THEM TO DELETE NEGATIVE REPORTS FROM ALL XXXX CREDIT BUREAUS, THEY GOT THEIR MONEY, PAID OFF IN FULL, 2 YEARS EARLY!
In XXXX XXXX, I received an email from XXXX that Convergent XXXX has been added to my credit report. According to the email, they are trying to collect a debt from XXXX XXXX.I have never had a XXXX account and feel that this is an incorrect information being reported on my credit report. XXXX XXXX is not listed on the Florida Office of Financial Regulation. Unfortunately under the Department of Business and Regulation, Convergent XXXX is listed as an electrical company not a debt collection agency. I have mailed in multiple letters asking that this information be validated and/or verified and they have not responded. Now they have reopened this account and listed is a late payments from XXXX XXXX, but have the account reported as open in XXXX XXXX.
Please see attached. This account was included in bankruptcy. Shows as a closed account with a current past due amount of {$200.00}. Presents as " current negative payment activity '' as of XX/XX/2018 which is affecting my credit score.

I have disputed this online and have sent requests to the creditor. All of my accounts with this creditor were re-affirmed and are current or paid off.
Transunion is incorrectly reporting my XXXX XXXX XXXX account as late ; charged off. This account is PAID IN FULL. The reporting was correct and was recently erroneously changed.
Navient failed to notify me of important deadlines to renew my income based repayment plan. Resources to  find these deadlines, and the appropriate procedures to follow, were n't even available on their website. I 'm a busy person, and remembering when and where I have to renew my repayment plan was lost in the mix of everything else I had going on. My f irst IBR payment wa s made in  XXXX . Less than a year afterward, with no explanation or warning, my monthly payment went up, and I was charged {$370.00} in capitalized interest on  XXXX / XXXX /  XXXX  . A few months later, I was given information to ( quite easily, I might add ) file for forbearance after I 'd been late on payments. At no time, EVER, did they direct me where to go to renew  my IBR plan. I searched around on the website, looking everywhere to find information on renewing my plan, to no avail. Given that it had been over a year ago, I did not remember that the place to submit documentation was not Navient, but a gov ernment website. I now have accrued interest from said forbearance ( and deferment later on, as I STILL COULD NOT AFFORD THE $  XXXX /MONTH THEY WERE BILLING ME FOR when my forbearance was over ). I 'm disgusted by these shady, irresponsible business practices.
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, XXXX, and Experian. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX
I have been contacted twice by representatives claiming to be from Diversified Consultants , Inc. saying that I owe more than {$200.00} to XXXX. These representatives have asked for my credit card information, my social security number and my physical address. I have spoken with XXXX and have been assured that my account is paid in full and that I have not been sent to collections. I have also checked my credit report through XXXX and I have an excellent score. I am concerned that either my identity has been stolen or that the phone calls are pretending to be DCI.
I have been contacted two times by this company over the last month. Each time they claim they have a " Case file '' and pretend that they are attorneys. They allege that they have a debt with my name and I have asked several times for them to send me something in writing. I have no knowledge of this company or alleged debt. They did not advise me they were attempting to collect a debt as required by the FDCPA. To date I have yet to receive anything in writing from this company. 
I believe that they are representing themselves as attorneys when in fact they are XXXX part debt collectors.