WillisBack/dataset-financial-user-claim huggingface dataset:
After graduation it 's was hard to find a job. Went through forbearance program. One year later, still could not find a job ; my parents told me about extending terms ( which Navient offered them for my moms graduate loans ) from ten too twenty years which would lower my payments in half and make my monthly payments possible from XXXX to around XXXX. I call them up a week before my loans are due and the tell me I have to wait too my forbearance is up to discuss payment options ( which I found weird cause my forbearance was up AFTER the due date ). BUT I did n't know Their company, Their policy. So I wait till the appropriate amount of days, told immediately because its private loans they ca n't due anything and they have to forward me to collections. Collections answers, I explain the situation and they do the quote ( rough banking statement by asking me how much I make ) and tell me I can afford to make the payments, there 's nothing you can do. I asked about the term change and immediately get denied. I let them know I work full time hourly at XXXX and they tell me if I was customer service a year ago I would have advised you not to do forbearance ( making me feel like XXXX beacause I could n't find a job a year ago ). Needless to say I get help from my father to help pay for the payment for the month that had had a penalty charge for being late. 

Ultimately I am disgraced on how little Navient informs customers on what they want, either you pay or you ca n't right away. They should tell you immediately that they do not have repayment options or income driven repayment options immediately before you sign up. Also there website is confusing as all XXXX so you do n't know what your looking at just tons and tons and tons for words that can confuse the XXXX out of XXXX year old kid and his parents that are trying to get loans for there kids. 

Hopefully this can help.
I have been banking with Navy Federal Credit Union since XX/XX/XXXX! Our history has been great until I realized that all credit cards and loans are fraud. I sent in several debt validation letters via certified mail and had no response from the company. After missing couple of payments for my auto loan, of course, they followed up with phone calls and letters. They even updated my credit score with negative payment/missed payments. Over the phone, they failed to provide proof of the debt and kept saying that I owe the debt. No original contract, no wet signature. In order to enter into a contract, two parties must sign, right? 
On XX/XX/XXXX : I decided to settle the debt ONCE again in form of a XXXX and XXXX which were both accepted by the Internal Revenue Service. Once again, no update from Navy Federal Credit Union nor have they settle out the accounts. Now Im here to report them here. They continue to deduct from my XXXX XXXX Checking Account. 

They can not lend us real credit, we're the creditors. All debts are FULLY repaid from day one. All loans and credit cards are fraud through deception. They monetize our signature and gave it back to us in form of a loan. 
Public Law and Public policy 73-10 Chapter 48 Stat 112 states that the U.S. Government is obligated to pay off all debts incurred by the American people.
XXXX. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Is the company who reported hard hits on my credit. I gave no permission for this and they in fact did it again just to hurt my credit even more. I had a truck that I financed through this company back in 2006, I believe. the truck had major issues about 3 months after the sale and I even paid extra for the warranty through their own place they offered. But when time to cover something they denied it and it was plain sight that that it was completely covered, so the truck sat for 4 months and sense I had no other transportation, I lost my job and the truck was a repo. Then the threats and nasty calls began for months and even 3 years later. I tried to go into their office and work something out but was met with disrespect and nasty words. So later I found out they repaired the truck and added the extra to fix the truck to my balance, bringing the total amount for a truck that originally cost me XXXX with XXXX down, up to XXXX as a balance owed on my credit report. After all the nasty letters and mean voice messages I decided to let it just ride out and fall off my credit. After the seven year marker they tried to claim they had the right to keep it on there anther 7 years. After 6 months of back and forth with the credit agencies, they finally removed the loan. But then the next month I see these hard hits on my credit from them and after a few phone calls and telling me I deserve this and there 's nothing I can do about this I pretty much gave up hope. This is why I am making this report and complaint, in hope that someone can help me out with this. and get those XXXX hard hits removed.
On XX/XX/18, I opened an account with CITIBANK for Account Package Checking/Savings. This account had a opening promotion tied to it for {$400.00} after meeting certain qualifications. These qualification include depositing {$15000.00} within 30 days of account opening and maintaning that balance for 60 days. I deposited the {$15000.00} on XX/XX/2018 and have maintained that balance ever since, up to and including today, XX/XX/XXXX.  Citi says the bonus should be posted within 90 days of account opening and I have not yet received this bonus of {$400.00}. After contacting Citibank, they refuse to acknolwedge the promotion and I get transferred from one agent to another who has no idea what the promotion is.
Contacted by a representative XXXX XXXX claiming to represent XXXX XXXX XXXX The representative then called a XXXX  relative to state I am having an issue with a bank to try and contact me that way. The representative has already been informed I am handling any and all debt through my credit repair service -XXXX XXXX  and not sure who they are representing as I am taking the proper steps to resolve any issues.
XXXX, Experian , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX
XXXX XXXX XXXX XXXX XXXX - website does not work - no log-in information available. As such, I am unable to verify payments related to escrow shortages or contact servicer to remit tax payment.
my son had emergency room service on XXXX/XXXX/16. XXXX agencies billied us, the hospital itself, and XXXX. the hospital submitted a claim to XXXX which was paid. XXXX did not submit their billing to XXXX. i have to buy a new car and saw that i had something on my credit report from Americollect. I called them and they let me know about the second creditor. i contacted XXXX after this and they said that americollect would have to submit the bill to the insurance company. Americollect was not willing to do this and said i needed to set up a payment plan. This should have been done by the original creditor, but it is out of their hands now. Americollect is unwilling to submit the billing to XXXX. This should not be on my credit report and should not be affecting my life the way that it is. Please do something!!
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX
we applied for a mortgage loan modification back on XXXX XXXX XXXX XXXX was the owner of my loan, after XXXX denials they transfer my loan to RoundPoint now round point has approve a modification of the loan but I do n't think it is a fair XXXX, they lower XXXX to the principal balance witch I appreciate but we owed around XXXX XXXX dollars over the value of the house and they are giving us an interest rate of XXXX, the only income to the house hold is thru my husband`s work, so he would have to work over time to be able to make this payments and over time is not always there, and even if it was my husband is a XXXX XXXX XXXX we would finish paying the loan in XXXX is he going to be able to work as a XXXX that long. we bought this house in XXXX and we will finish in XXXX how is this fair
td bank charge me {$35.00} return fee, when it pending payments. while i had money to cover pending payments, which i deposited.on XXXX XXXX 2016 i had payment pending from few payments .i had enough to cover payments they still charge me {$35.00}. they refund me $ XXXX.td bank abusing customer.
I am a customer at the XXXX, XXXX XXXX location and I have been taking for a ride. Meaning when I initially took out a loan back in XX/XX/2017 I was not made aware by any XXXX ( former XXXX XXXX professional that I had other financial options - i.e. XXXX XXXX opposed to a title loan. Atop of that ommission - they told me I had an additional {$500.00} I could use for holiday but failed to tell me my payment would double. I am a former XXXX  XXXX w/ XXXX Department of Treasury and are thumbing thru the XXXX at this moment. If you can give some pointer please let me know to void or at least lower the payments of this ... financial swindling I have inadvertently fell into. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Previously I submitted a dispute for the overcharge of the {$140.00} charge from XXXX XXXX XXXX on XX/XX/18. In this dispute, I included a copy of the XXXX/XXXX XXXX  XXXX XXXX, which states the hotel would honor the best public rate plus 20 %. Also included with this dispute was a copy the best available rate as well as the invoice not honoring the published guarantee. 
On XXXX18, well past the allowed time to investigate and settle disputes, Chase sent me a letter requesting information which had already been provided. Because no further information was provided Chase neglected to continue the investigation and pursue this chargeback in violation of 1666. Correction of billing errors
TD Auto received multiple payments that was debited from my account. One payment was for XXXX XX/XX/XXXX for the month of XX/XX/XXXX. The second payment was XXXX XX/XX/XXXX for the month of XX/XX/XXXX. Which I paid with my debit card. TD Auto claimed to have not received the two payments. Both payments were deducted from my bank account. TD Auto did not inform me of the issue of the company claiming to have not received payment for the month of XX/XX/XXXX and the month of XX/XX/XXXX until my XXXX billing cycle. TD Auto reported inaccurately to the credit bureau for more than 8 months. TD Auto harassed me with phone calls everyday ( sometimes more than once a day ) once the issue was brought to the companys attention. I presented two months worth of bank statements, as well as other documents that pertained to TD  receiving payment from me. I presented these documents on multiple occasions showing the dates and amounts which were paid to TD Auto. And asked TD Auto to preform an investigation and repair the inaccuracies on my credit report. TD auto told me to make a payment ( which I already paid in XXXX ) and the harassment by phone would stop. And the company would give a credit in the amount of my monthly car payment of XXXX to my TD Auto account once the investigation was finished, and that I would receive a letter in the mail. I received multiple letters stating that TD Auto found inaccuracies when reporting and they would fix the issue. but the company never fixed the issue nor did the company give the credit. TD Auto has not complied at all. I reported this issue to TD Auto and the company has done nothing. I uploaded my XX/XX/XXXX TD Auto billing statement which shows that one payment was not received for XX/XX/XXXX. That payment was satisfied and resubmitted by my banking institution. That document is uploaded as well. I also uploaded my billing statement from XX/XX/XXXX which shows that the payment from XXXX was received once it was resubmitted by my bank. That should of satisfied the issue. But TD claimed that I owed them more. I presented all the documentation showing that the debt was paid.
I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received XXXX, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the XXXX I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.
In XX/XX/2017 I requested my free annual report from all XXXX reporting companies. Equifax and XXXX refused to issue the report stating they could not verify me. I had moved and also I have not had any debt on my report in years. I could not answer any of the questions Equifax asked- none of them. Both XXXX and Equifax sent letters to my current address requesting additional proof of identity, which I did and sent by certified, return receipt mail. XXXX processed my request, however Equifax has not replied. It has now been over 2 months since the request was made and proof of identity submitted. I have the return receipt stamped as received by XXXX.
On XX/XX/2018 Fayservicing served me a summons and I had 30 days to respond. I took off work and went to the court house to respond to the summons only to find out there was not record of me being summons. I received an email to come to court regarding my property I took another day off work and went to court only to find out I was not on the docket to come to court. I spoke to my account Representative XXXX XXXX mid XX/XX/2018 he asked me what did I want to do with the property I told him I wanted to do a modification he told me I didn't qualify for a modification I need to sale the property because I had equity and Fayservicing would not work with me. I told him I tried to sale the property and didn't get a buy so I was going to rent it out. I told him I have a potential renter that will move in XX/XX/2018 and I would apply try again to apply for a modification. My rented moved in and I submitted the modification application and a copy of the lease. I received a letter requesting more information and was told I have until XX/XX/2018 to submit the additional information. I find out on XX/XX/2018 Fayservicing is harassing my tenants going to the house asking them who really owns the house and they have a letter for me from the mortgage company. Fayservicing knows exactly where I live and could have sent or brought that letter directly to my house. Im really starting to feel harassed and frighten. What else will they do besides harass me and my tenants. I was told by a consumer counsel they are predatory lenders. Can you please help. The additional person is my tenant.
My account had a levy for a forgotten about ticket from years ago. On XX/XX/XXXX. Upon finding out about this levy the same day I immediately contactedTCF BANK for guidance and to either lock my account or close the account while the levy was in place. I u Der stood the levy could not be removed but the small window of time needed to cancel and move funds around madenitnkmpossible to stop everything from coming in. They were unable to offer an assistance or advice to assist me with the least impact of outstanding auto payments. They suggested opting into overdraft and other suggestions. But could not confirm if it would be effective. I can understand if they paid the actual items but they didnt and To date they have charged me XXXX dollars in overdraft fees and returned everything unpaid. How is anyone supposed to take care of this? They keep piling the fees on top of fees. The companies that were returned were kind and helpful to a long time customer and all removed the fees and helped schedule new payments. TCF offered no just assistance. So the negatives kept compounding sinking it further and further into negative.
I have been with capitalone for about XXXX or XXXX months and they have closed my account with out my knowledge, and i have been paying good on time, and XXXX because my check didnt go through XXXX in the XXXX months that i have been with them, i called them to get this resolved, i even paid with a different card, and they ignored me, I guess they in bussiness not to satisfy the customers, because I am very dissatifyed with them.very very disappointed.
Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT XXXX - {$87.00} XXXX. ACCT XXXX - {$100.00}
XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current Wal Mart {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days.

XXXX Credit {$600.00} Closed acct was less than 30 days late when closed.

XXXX Master Card Credit {$1200.00} closed acct was current.

XXXX Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX Mastercard {$2700.00}
I was approved for credit by XXXX XXXX and received and used the credit. Admittedly I maxed out some of the cards soon after receiving them. I have since learned my lesson and am more knowledgeable about how credit works. I have not spent a cent more on my cards since XXXX or before on most of the cards, I also have paid some off and always pay more then the minimum due. So it stands to reason that my balances go down which should help to improve my score. XXXX XXXX has repeatedly waited until I'm almost done paying or have cut my balances way down to cut my credit limit. So my credit score and report looks like I still have high balances. When in fact I have been working very hard to get my credit in check. Please help me, as I believe that this is a very unfair practice. I pay on time and more than what's due, and have not been using my cards. Thank you for your time and consideration in this matter.
I have fraud alert added to my credit report because I found about six unauthorized hard inquiries on my credit report. After contacting XXXX & Equifax about to them, XXXX immediately removed them, Equifax has kept them on. This is fraud and I want them removed off of my credit.
I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, Equifax and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!