WillisBack/dataset-financial-user-claim huggingface dataset:
I have a private student loans from XXXX transfer to Navient from 2009 till this present and have been paying ever since. XXXX told me this private loan that I will pay for 10 years and yet till now that my loans were Navient, and have notice from those time till now that my loans that I 've been paying is really not getting lower and also and interest is going up drastically without proper consent to me. And which is also difficult and burden to my payments every month. I have felt all those years I was mislead by this Company. whenever I miss a payment operators have always call me day and night non stop which I feel I was harass for most. I have tried to reconsolidate my loans to other companies but I could n't cause of my bad credit of late payments within this company and feel that I 'm stuck with this debt for a long time.
XX/XX/XXXX I called Navient until I was able to get a service representative. I have been paying for over 30 months on a fixed amount that was set. They told me to pay for more that 20 years the amount they assign me. Suddenly they increased my payment so when i called them to see why. They said that after 30 months it would increase, then after another 16 months of payments it will increase a lot more for the next XXXX payment. 

I think i go into a company that has scammed me. I need help on figuring out what i need to do. 

XXXX XXXX.
I paid {$500.00} per month for 10 years on my navient loan and none of it went to principal
I purchased tires from a local XXXX XXXX tire center and was offered a discount if I used their credit card. I was told that it was also interest free for 6 months. 
After the 6 month period ended I found that the offer was falsely described to me and the promotion was " no interest '' only if I completely paid it off prior to the end of the 6 months. 
Since it was on auto pay I missed the date and was charged interest on the full amount at the rate of 29.99 % I believe this promotion was intentionally misleading in its setup, design and the way it was communicated.
I received an email XXXX XXXX, 2017 to apply for a Delta Gold American Express card with no foreign  transaction fees, and if I spent {$3000.00} in the first 4 months of receiving the card ( which I did within 2 weeks of receiving mid XXXX ), I would receive XXXX airline miles into my Delta account. I have the email. I waited 2 billing statements but didnt receive the miles. After calling Delta credit card services and AmEx credit liaison supervisors several times, was given the its the other parties responsibility over and over. Finally I was told it was an internal problem with AmEx ; they issued cards to previous card holders and the promo was only for new card holders which I was. I was given complaint # XXXX on XXXX XXXX, XXXX by supervisor liaison at AmEx XXXX XXXX. I checked a week later as she suggested, was shunted around and no one was aware of this problem. It was once again the other parties problem. 

This is fraudulent advertising. I did everything right. I still do not have the XXXX miles. I have been a loyal Am Ex consumer since XXXX. My husband is a Platinum/Diamond Delta business traveler and we both have been loyal to Delta for our trips. No one is taking responsibility for this fraud. Please help. 

Thank you.
This complaint is for both XXXX XXXX and XXXX XXXX XXXX. They are BOTH reporting the same debt, which to my knowledge is a violation of law to have the same debt reported twice. By the way, XXXX is psycho, and I actually have a FEW complaints regarding them, not just one : debt collection communication practices/tactics, filing a judgment without serving, collecting on an unverified, false account, refusal to provide original documentation. I found out that these XXXX   filed a judgment against me and never even served me papers ; in fact, the XXXX  sent it to an address that isn't even mine! They dismissed the case when they saw that I started disputing the account with the 3 major bureaus. To even have a DISMISSED judgment in my public record is extremely frustrating and has caused distress, making me wonder if my information had been stolen. I've provided a copy of the online county database record of this judgment. I am prepared to sue THEM -- BOTH for damages. Did they provide the signed original documentation that I requested -- and that's required under the FCRA to provide to consumers? No ; instead, they AND XXXX XXXX XXXX continued to falsely report the truly unverified, invalidated account ( s ) as " verified '', " accurate '', and " valid '' without providing a shred of signed proof! Again, as I've said in my very recent complaints on the 3 bureaus ( XXXX, XXXX, and XXXX ), they are all complicit in this matter. I am absolutely disgusted that these companies continue to get away with just throwing out 'yep, it's verified ' to these bureaus and they're like 'okay, great, thanks! ' without even seeing ( themselves ) or providing to ME a shred of original, signed proof! First off, I've never even signed a contractual agreement with them. They know this -- and that all they can possibly provide are some fake bills that aren't even mine ( if they even have THAT ) -- which is why in SEVEN ( 7 ) MONTHS they haven't given me what they're REQUIRED to under the FCRA. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been truly, PROPERLY verified & validated. I DEMAND that XXXX XXXX and XXXX XXXX XXXX  provide a signed original consumer contract / original instrument of indebtedness ( with my actual, wet signature ) in its original form ; if they do not, then I demand that these accounts be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.
Hi I am a victim of Identity Theft and Finical Identity Theft, I have written Transunion 29 Times Concerning 1 Fraud address to be removed and 29 Fraud Inquires to be removed. They all was done the same day/month! Some scammer was trying hard. 
Transunion refused to remove the inquires and told me to contact the companies. I did write the companies 29 companies and 8 letter per company over the last 9 to 11 months! And they all refuse to even answer me. 
I have a Police report and proof of My Identity along with My Passport proving I was Living out of the country for over 3 yrs and this is Fraud. Please remove these Inquires. 

INQURES 1. XXXX 2. XXXX 3. The XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 11 12. XXXX 13. XXXX 14. XXXX 2 x 15. XXXX 16. XXXX 17. XXXX 18. XXXX 19. XXXX 20. XXXX 21. XXXX 22. XXXX cr 23. XXXX And Fraud address XXXX Please help me remove all these frauds Inquires, I tried and need your help.
The original debt took place on XX/XX/XXXX  ( that was the date of the last invoice that I never did receive ) The last amount owed on  XX/XX/XXXX  was {$880.00} From XX/XX/XXXX  to  XX/XX/XXXX , I received no communication with original debtor on amount owed. After almost six years I had the {$880.00} amount show up on my credit tracker as a debt in collections, by a second party, original creditor sent to collections to Keystone Collection Agency. I tried disputing the charge on  XXXX  but with no luck. Now one year after it being on my credit I received a letter stating that " for complete credit removal '' pay the amount above. The amount disclosed in the letter I received today  XX/XX/XXXX  is for {$1700.00}. In my original agreement with the first creditor does state that " Accounts over 60 days past due will be charged finance fees of 18 % per year ''. Well since he took over five years to even send a bill, the first 18 % interest charge would be due now. However, {$880.00} x 18 % = {$150.00}. I am very confused to where the difference of {$700.00} comes in. That is a very large amount of money to try and get payment for with no source of to why it is owed. I am attaching my original debtors invoice, along with the letter I received today.
this debt collector was transferred the alleged debt the previous debt collector never verified or validated regarding the old account the CFPB is investigating the Case Number isXXXXXXXX and Case Number XXXX.
Suntrust Mortgage/Suntrust Bank - I sold a home and paid in full in XX/XX/2018 and updated my forwarding address. To date I have not received formal closing paperwork nor tax documents. The system no longer allows me to access personal loan data on line and I am unable to reach anyone by phone.
synchrony/walmart 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement synchrony/walmart 's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports
I made monthly payments on a Chase credit card via auto pay through their website. The payments showed made each month when I logged in as well as on my monthly statements.Then in XXXX of 2016, they reversed every payment saying my bank refused them. We are talking years worth. My bank said they never returned any payments. Since I could n't see the payments coming out of my bank, I paid Chase very soon after each time they hit my account with returned payments. They did that in about XXXX batches totally almost {$5000.00}. Then, they reported to the credit bureau that I made these payments late! I do n't know what happened in the inner workings of Chase Bank and my bank XXXX, but to my knowledge those payments were being made each month in a timely manner, my proof is my statements from Chase. In all those years I have n't been late on any payments. As soon as the problem arose, I paid Chase. They should n't have reported me as willingly making late payments, when I had no knowledge there was a problem with my payments to Chase until XXXX 2016.
I have a first mortgage with SunTrust Bank. My homeowners insurance is due for renewal on XX/XX/XXXX. The renewal premium is {$2900.00}. I logged onto my account today and notiiced this amount was paid to the insurance company on XX/XX/XXXX. However, I scrolled to the previous payment dated XX/XX/XXXX and noticed a duplicate payment of {$2900.00} to the same insurance company. 

My escrow balance is now {$2900.00} short to pay for my taxes which are due in XX/XX/XXXX! 

I have called SunTrust Bank and all I was told is that, " our systems are down and we can't help you now. '' I explained the situation and was told that, " I have to wait until the insurance company returns the money to me, and then I have to re-deposit this refund in my escrow account. '' This is not an acceptable answer to me. What controls are in place within SunTrust to prevent two payments for same invoice being processed within a week? Additionally, a similar incident with SunTrust happened two years ago related to my property tax payment! This loan is only three years old.
I by accident overpaid my bill and have a {$220.00} ( CR ). I 'd like that money back. They have issued in a check to return to me. They just keep it on the bill as a credit.
The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
I was contacted by State bridge Mortgage, the servicer on my loan after the Hurricane in XX/XX/XXXX and after my neighborhood was declared a federal disaster area. They offered me a reduced payment option for 6 months and then went on to say that the difference of my regular mortgage payment would be capitalized adding it to the back of my loan. I accepted the option, paid the agreed amount and have since resumed making the regular payments as of XX/XX/XXXX. 

State bridge has sent me demand letters for the difference that they claimed would've been capitalized, they are reporting my mortgage as delinquent since XX/XX/XXXX and the regularly scheduled payments that I have resumed making since XX/XX/XXXX are being placed in suspense. Not only has this had an adverse effect on my credit but its also affecting my employment because my employer actively monitors my credit so this is becoming a huge problem. Furthermore, back in XXXX when the storm hit XXXX Florida I had already made the scheduled payment for the month of XXXX " prior '' to State bridge contacting me with the offer, they claimed that they never received it. In addition, I am really starting to question the competency of this servicer because not only are they reporting my payments incorrectly they also allowed my homeowners policy to lapse. And as luck would have it this was during an electrical fire/appliance damage caused by XXXX 's faulty wiring that started outside of the home. I would like to file a formal complaint against them because I have to get this under control. If I was having difficulty making the payment I can understand, if I didn't make the payments we wouldn't be having this conversation, but neither applies. I have also hired an attorney to pursue the matter at the credit repository level as well because again it is affecting my employment.
My credit report shows a couple past paid off Chase mortgage accounts as not being closed. I would like those to be updated to properly reflect the payoffs. Thank you.
I have a rental property in an area that has over XXXX rentals on the market, I have placed the property for sale, have contacted my mortgage company and am behind on payments. I do not wish to keep the property and am doing the paperwork for a short sale. My question is how long will a short sale negatively influence my credit vs. a deed in lieu? The mortgage company is telling me it is the same, XXXX years, but to check with a credit agency. Please advise.
My loan from boa was sold to pennymac c around  XXXX  of  XXXX .  Yesterday   XXXX   XXXX   XXXX  I asked for a copy of payments for life of the loan. Pennymac said they would have to ask boa for the records when they owned loan. I thought all records are to forwarded to new loan owner when they acquire ownership? I was in foreclosure with boa but it got paid. Now I see pennymac has all the fees and costs on my account with pennymac.  XXXX  took me to court notpennymac
TransUnion did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against  inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. On XX/XX/XXXX, I obtained my credit file and noticed that TransUnion had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. TransUnion received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. TransUnion sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking TransUnion how they verified that these accounts were mine and that they were accurate. TransUnion received this letter on XX/XX/XXXX which I have proof of. TransUnion once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that TransUnion continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX/XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
I have disputed inaccurate information on my credit reporting. Attached will be better information being CRAs wrote they didnt understand my complaints.
There are a lot of items on my credit that doesnt belong to me. They have names that i have never went by. Also they are the XXXX party collection agency and they dont have the orignal documents. And i feel that these items should be remove off my credit.
On XXXX of 2016 my girlfriend accepted a job. Little to our knowledge it was a job scam. The job provided contracts, websites, accreditation, and business registration number. She was told her job was an XXXX. She was told a client was sending money to our account. She was told to open a XXXX XXXX XXXX account. She was told after thirty days they would put her on the company account but until then she had to use her own. The client wired XXXX into our account. The bank approved it and allowed her to move the money. Domestic wire transfers are reviewed and posted the same day. It took a week for them to decide to reject the wire transfer. They froze the account with NO NOTICE. They would n't tell me anything but that my account was under review and to call in three business days. I could n't access my money. I am in the XXXX in three months. I was treated awful by the bank they did n't work with me at all. They accused me of fraud. They should have froze the account the day the wire transfer went in and investigated it then. They should have flagged it. My girlfriend was scammed and we have to pay for it? What kind of protection is that? The fraud department at USAA does n't even have contact information. They said we could n't talk to anyone about the investigation. It was n't until the bank froze the account we found out the job was a scam. We wish we would have known the day the transfer happened. This job spent three weeks convincing and " training '' my girlfriend. She had no idea it was a scam and she even XXXX and asked for verifications. The bank let us down by not protecting us. We make average money the bank has never seen huge amounts hit out account they should have called and asked about it. They should have investigated it. Within a week of freezing the account all they said was the name was spelled wrong. They were accusing US of first party fraud? And they were exercising their right to do business with us ... not to mention informing us the bank took a " hit '' by approving the funds they did n't review so we had to pay it back.
Run my XXXX credit three times on X/XX/2017 I only authorized one of those inquiries last four digits of my social security number is XXXX XXXX XXXX XXXX
The company called my phone multiple times within a short amount of time. They only left a voicemail on the first call. I have asked them repeatedly to email me during business hours because I 'm not allowed to make personal calls at work. I had already informed them that I would be making a payment today. This is not the first time this has happened either. The company is One Main Financial.
I called Experian regarding an incorrect address that recently appeared on my credit report since there is now a 'Fraud Alert ' on my reports. The address is affiliated with a business that does not exist : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I spoke to XXXX in the Dispute Department and she claims the address is associated with a Bankruptcy that is on my credit report that I have been disputing via certified letters since XX/XX/18 and three more since and they have yet to mark the Bankruptcy 'Disputed by Consumer '. They claim they have verified the Bankruptcy via XXXX and when I asked XXXX to send me actual verification she said I needed to send Experian a subpoena in order to see verified information. I then asked to speak to her Supervisor and then she hung the phone up on me. I have sent Experian a letter from the US Bankruptcy Court as well as several letters, followed up by phone calls and I am getting the runaround and being lied to. They are clearly in violation of the FCRA.
I been a account holder with SunTrust Bank for many of years. I currently have a checking & savings account with the Institution. Approximately 2 weeks ago I notice a fraudulent deduction from my checking at that time I continue to review my past account history and noticed I had several unauthorized deductions from my checking account XXXX from the same company and XXXX from another company. I filled a claim with SunTrust Bank in XXXX Md Branch on Monday, XXXX XXXX, 2016. Friday around XXXX I called to check the status of the investigation the the representative of SunTrust stated that they seen me a email concerning the investigation. I checked my emails and notice they was no mail from SunTrust. Once again I did not authorize these deductions from my account. And I never heard of these companies before
My credit card is enrolled in automatic payment plan with the creditor to draft the balance and pay the account in full each cycle. In XX/XX/XXXX the balance was {$580.00} and was paid in full via auto draft by the creditor. In XX/XX/XXXX, although there had been no new charges, the creditor charge me interest as if the balance had not been paid and drafted another payment of {$9.00}. On XX/XX/XXXX I called the creditor to address my concern and they refused to correct the matter.
The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time OCWEN stated that the application was lost, re-apply. During the period of XX/XX/XXXX a new application was submitted to OCWEN. The mortgage investor is According to our records, the owner of your loan is : XXXX As Trustee For IndyMac INDX Mortgage Loan Trust XXXX, Mortgage Pass-Through XXXX I have applied 2 times since with OCWEN only to be denied : without an explanation for the denial. The latest denial was on XX/XX/XXXX. 
On XX/XX/XXXX A telephone call to my agent : XXXX was contacted to ask why was I denied : answer is that I did not meet the investors guidelines. 
My mortgage went from $ XXXX@3.875 % in XX/XX/XXXX : up to $ XXXX@4.5 % hike in monthly payments and interest rate on XX/XX/XXXX. 
Our mortgage is an interest only mortgage and pays {$12.00} principle for the last 10 years. On XX/XX/XXXX, I filed an appeal and CFPB complaint against OCWEN and XXXX. 
I have a medical hardship and loss of income due to husbands XXXX medical condition. We both are on fixed income. 
The homeowner is qualified and eligible for a loan modification : homeowner was deied when qualified. OCWEN signed a consent agreement with a DOJ penality of XXXX Dollars for wrongful denial of loan modification to homeowner, when qualified.