WillisBack/dataset-financial-user-claim huggingface dataset:
( 1 ) INCORRECT DUE DATES ONLINE : Navient now uses a new website & my loan due date on the website is incorrect. On XX/XX/XXXX, I was able to access both the old & new website. I was able to access the old one by chance as the link was saved in my browser. The new website listed a due date of XX/XX/2017, & the old website XX/XX/2017 for the same loan. I verified the correct loan due date with a representative on XX/XX/XXXX. The correct date is XX/XX/XXXX. Representative confirmed that the due date on the new website is incorrect, but it 's a technical glitch that they ca n't change. I can no longer access the old website, so the only information available to me as a borrower is incorrect & reportedly will not be changed. 

( 2 ) NO LONGER A WAY TO VIEW & PAY INTEREST ON LOANS NOT YET IN PAYMENT : The Navient website does n't provide a way to view interest that accumulates on loans that are not yet due and make payments. I have been making payments towards the interest on my loans while in law school. The old Navient website provided a way to clearly see a summary of all loans, the precise amount of interest accumulated, & had a way to make a payment towards interest online. On the new website, there is no way to view this information -- ca n't access the current amount of interest on loans or pay it online. I confirmed this with the personal representative on the phone XX/XX/XXXX. The only way to find out the interest & make a payment is by calling. Navient has re-designed their website to make it more confusing & impossible for borrowers to make payments online that would help reduce their loan size! 

( 3 ) EMAILS WITH INCORRECT ACCOUNT INFO : Navient sends emails with incorrect information about my account & I confirmed with the representative by phone that this is just a glitch that can not be fixed or accounted for. Ex : on XX/XX/2017, I got an email regarding quarterly interest payments. It listed amounts for interest & principal that do not correspond to the amounts I owe.
I am still really confused as to the fees and past due balance being assessed on my account. I received a statement in the mail yesterday. It says I owe {$7400.00}. When I go to the Greentree website it says I owe {$6400.00}. Why are these numbers different? What happened to the left over money from Save the Dream? What is the real past due balance?
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX ( XXXX   : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX ).
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and Lendgreen for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.
XXXX XXXX started calling calling me last week after I applied for a loan online I do n't know the company I have no outstanding loans with anyone they claim that I have an outstanding loan from 2011 XXXX and XXXX witches a scam I have no outstanding loans with anyone they do have all my personal information including my social security and the only evidence they 've given me is made of letters from their end high points assets inc is the name of the company
I pay all of my bills in a XXXX, as I am working really hard to repair my credit, i do n't know what an {$11.00} bill is doing on my credit report. I have no problem paying it, but can attest to never receiving a bill. 
Please help. 
XXXX XXXX
This is the third complaint I have filed with you about this company, SLS L.L.C., or Special Loan Services, LLC. This company has so many complaints on the Consumer Services site and all are similar to the complaints I have had with them, including procrastinating on responding to customer complaints which puts extra late fees in SLS 's pockets, not reading correspondence and instead sending it back which also increases time and hence late fees, ignoring customer requests, ignoring California XXXX Laws, and it goes on and on. I have sent certified letters to the CEO and a vice president over two weeks ago and have received no action from the management or from the other people in the company. I have a mortgage, which I received due to a foreclosure and I paid over {$18000.00} wired in via XXXX XXXX to pay the arrears, which the XXXX original mortgage holders, XXXX and XXXX XXXX, accumulated because when they found out I was foreclosing on them, they stopped paying the mortgage to SLS. I contacted SLS and asked, after I faxed them my new trust deed to verify on the property at XXXX XXXX XXXX, XXXX, Ca. XXXX, XXXX XXXX no. XXXX many weeks ago. I also faxed the XXXX XXXX code that supports this action-and they still refuse to put my name or release to me any information on the loan. HOW CAN I PAY THE MORTGAGE ON XXXX, 2015 IF I DO N'T KNOW HOW MUCH IS DUE?? I also had my insurance co. fax info on my new insurance and SLS refuses to acknowledge it because they continue to tack on the cost of their insurance which is expensive. This company is totally money driven, without concern to their customers. Read the complaints filed against them-they all support this. 
All the supporting documentation is included in this email. I feel like no one is listening. 
Please get back to me asap so I can take over the mortgage on this property, handle it responsibly and take care of this business acquistion.
I received correspondence from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, original account number XXXX, MCM account number XXXX, stating that if I do not pay {$1700.00} by XX/XX/2018, they intend to litigate this case with an attorney. 

I do not feel I owe this debt, for reasons that I will reveal if they litigate and this case goes to court, or if they get an illegal judgment, without going through all the proper procedures. 

I did not contact them, because a collection agency is not interested in helping me, but only wants to find out if I have any assets, so they can, " nail them '', before anyone else does. In my case, even if they litigate and win, I have nothing that they can get from me.
My husband made a loan modification in the beginning of XXXX 2016 to bring the account current. Since then he has made 4 on-time bi-weekly payments as per the loan terms. When we disputed information reported to the credit bureaus in XXXX, the credit bureaus stated that they received information from the lender on XXXX XXXX, more than 30 days after bringing the account current, that my husband was still 60-89 days late and had not made a payment since XXXX. This is hurting his business very badly as it is for his work truck which is having problems and we need to trade for a more reliable vehicle and it is also preventing him from being able to obtain business credit. ( It is also hurting us regarding buying a home which we are in the process of qualifying for. ) The lender is aware of this as they were informed of this in XXXX and advised me they would report it current within 30 days ; they have yet to do so. I do have a letter on their letterhead dated XXXX XXXX that my husband is current, but they have not reported it accurately to the credit bureaus. I have evidence of our dispute with XXXX wherein they informed us the furnisher states the information they provided, that my husband was 60-89 days late and had n't made a payment since XXXX, is accurate. It is now XXXX XXXX. I believe they are in violation of the FCRA and we will sue as a result, and seek attorney 's and court fees, but this still needs to be amended immediately and recorded accordingly.
unlocking my credit removing all statements on my freeze and fraud alerts Experian has failed to honor my request
I am a victim of the Equifax XXXX XXXX. My name is included in the list of potential clients affected. At this stage, I have no idea how badly impacted I have been and am assuming the worst.
also calling me at work now. the medical bills are part of a lawsuit and I can not pay until i settle with defendant.
Went to XXXX XXXX XXXX XXXX in XXXX, NC to purchase a Motorcycle, Sales Manager XXXX XXXX approached me, I told him I was interested in purchasing a Motorcycle, after I picked one out I wanted he suggested I go see his good buddy XXXX XXXX XXXX at Creekside Finance he guaranteed me that XXXX would get me approved for a loan. 

So I proceeded to Creekside Finance in XXXX, NC and spoke with XXXX XXXX, he said as long as I put down {$1000.00} he would approve me, so I gave he the {$1000.00} down, so XXXX XXXX XXXX started the financial paperwork, he said I'll have you out of here and riding in less than an hour. After reviewing the paperwork, I disagreed with XXXX on the credit, life, and other insurance he had on the paperwork, XXXX told me that it's a requirement from Creekside Finance, he said if I disagree with the forced place insurance, Creekside will not finance the motorcycle. 

I wanted the motorcycle, but didn't want the forced placed insurance premiums that was added, since I would have full coverage. Again this was forced placed insurances. I refinance this loan, at which time XXXX again forced placed the insurance, I also disagreed with the late payment fees, NC Law states finance companies can not charge late fees unless you're at least 15-days late. 

Also XXXX XXXX XXXX was just arrested on XX/XX/2018 for embezzlement of {$200000.00} from Creekside, XXXX XXXX was also charged, Creekside Finance never let me or any other customers know about this, XXXX XXXX was the loan officer in charge over all motorcycle loans, along with other loans. 

The truth in lending act was violated on this loan as well, the monthly amount due each month is more than it should be, and the interest rate 28.56. 
Please see all documents provided. 

Also Creekside Finance has two liens against the title, which is illegal, you will see this in the information provided, the {$1000.00} down payment wasn't added to the financial document, another violation under the truth in lending act. 
When I refinanced the loan, the amount previously paid wasn't considered or listed on the new financial documents. 

The forced placed insurance needs to be refunded.
There is public record on my credit report # XXXX, and it is showing incorrect information and I would like for it to be deleted off my credit report. It is currently only on my Equifax credit report and that 's it. The date filled is listed as XX/XX/XXXX reference # XXXX.
On XX/XX/XXXX I received my first phone call from XXXX XXXX at USI Solutions Inc . He told me he was looking for my husband for an unpaid XXXX XXXX XXXX Visa card from XXXX. He said the unpaid balance was {$3600.00} and asked that I pay it. I told him that no I would not pay it, it is not my debt, and I have no knowledge of this. I told him I would let my husband know. 20 minutes later my father called and told me that XXXX XXXX was reaching out to him as well regarding his son-in-laws supposed debt. He called my father AFTER I talked to him. During this time my husband is travelling for work but I sent him a message with phone numbers, reference numbers etc so he can handle the situation. I called XXXX XXXX back after he called me again and I told him he needed to stop calling my family members. He put me on hold to talk to his supervisor, XXXX XXXX. After talking to XXXX and telling him that they have done nothing to legitimize their claim that my husband owes a past debt from XXXX he offers a settlement of {$1000.00}. I reminded him again that I was NOT going to pay this as it was not my debt. I told him that we have not received any correspondence prior to XX/XX/XXXX and he told me its because the attorney, Mr. XXXX 's business went out of business and Mr. XXXX himself has passed away. I told him again nothing you have said legitimizes this. He told me he would have someone send me a letter. I received a letter but as there has been no correspondence regarding this prior I did not open the letter afraid it may be spam. XXXX also asks if me and my husband are separated which I told him was none of his business. No we are not separated. My husband calls and talks to XXXX XXXX on XX/XX/XXXX. I am unsure what the conversation was as he is travelling for work but on XX/XX/XXXX XXXX XXXX calls my office. He told me I was responsible for the debt because I live in a community property state. I got married in XXXX and I do not take on the liability of my husband 's " supposed '' debt prior to our marriage. He called me AFTER speaking to my husband who they claim owes the debt. I told him all of this and the call ended with me telling him to not call me again.
gm financial has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted GM Financial 3 times to resolve the issue. I was told GM Financial switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.
We applied to refinance our current home loan XX/XX/XXXX. We were pre-approved and given an interest rate of 2.875 %. However, we later learned that our mortgage is classified as a Home Equity loan, so the rate will be higher ( 3.625 % ). We have never applied for a home equity loan, so we requested a copy of the original note, via telephone conversation with the bank rep on XXXX/XXXX/16. The rep was unable to locate the paperwork, so a request to locate a copy of the loan was put in. Estimated time to locate the documents was 3 days. After not receiving the documents, I called again on XXXX/XXXX/16 and was told a hard copy was mailed to me on XXXX/XXXX/16. On XXXX/XXXX/16 I called again because I had not received anything. I was told the original owner of the notes to locate the loan papers would call me directly. On XXXX/XXXX/16, no response, so I called back and was told a letter indicating documents could not be found was sent on XXXX/XXXX/16 and further research was being done. We received 3 letters from CHASE indicating the loan papers could not be located. On XXXX XXXX, 2016, we sent a certified RESPA letter to CHASE. Our request was " escalated ''. We received several phone calls from the bank 's rep, each time indicating that the " home equity '' loan papers could not be located. Phone call : XXXX/XXXX/16 -- issue still being researched. Phone call : XXXX/XXXX/16 -- 'still in review by legal partners, no update at this time '. Phone call : XXXX/XXXX/2016 -- 'Upper management and the legal department working to find a resolution '. Phone call : XXXX/XXXX/16 -- According to bank records, our loan is 'classified as a home equity loan, but put in XXXX mortgage position '. ( Please note that CHASE recognizes that the loan was incorrectly coded ). They are unable to locate the original note. As a resolution, they will send a Lost Note Affidavit with the same information as the actual original note and send us a letter.
Erroneous information ( liens and bankruptcy ) being reported on all 3 of my credit reports.
I am filling this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
I have been dealing with this company for 2 years now! Calling at XXXX to ask me to collect on the same debt, I have been disputing with them since I wasnt able to originally dispute the dept in the 30 day period. I have been passed around to the collection companies and Im just tried of the headache this brings thinking about this. This debt is as much as my rent and I just dont have it to pay! It stoping me from and new endeavors because of this one item in collections! Thank you for taking the time to read this. I dont know what I should exactly file this under. Im just wanted to ask I heard about a good will letter, and was wondering how to apply?
My American express XXXX for cash credit card got expired around XXXX 2015 and I updated my contact details accordingly in account. But still did n't receive my new card to perform transactions. On top of it still need to make payments. I keep calling them and almost called them 10 times to send my replacement card and requested to send tracking details. Neither they could deliver nor provided tracking number. But always asked me to call once notification email came from them. So I want to note a complaint and want necessary department take required action.
The company has repeatedly called over and over again but its never a real person- just an automated system. They have been calling every day while I 'm at work for months now. I have asked several times for them to stop calling me but they refuse. They are jeopardizing my job by the repeated harassing phone calls. I do not even owe the debt they claim I do- I have disputed it and have no record/knowledge of me ever owing anything. When they call and write letters they even threaten to sue me without providing any proper documentation. I disputed the debt and asked for proof- they sent an old lease that was not proof of any debt and did not include images, documentation, receipts, or anything stating that I owed the debt. It also did not have any validating signatures. I have even called and left voicemails several times and have not once received a call back. They also put it on my credit report after I disputed it and keep changing the balance. Its at least every month they go on and change the balance they claim I owe without sending any further documentation.
I filed for chapter XXXX bankruptcy and have sent in various documents from the bankruptcy court, my attorney, and the trustee and they refuse to acknowledge the bankruptcy, they have even contacted the bankruptcy court and still refuse to acknowledge and continue to attempt to collect the debt for the last 12 months.
On XXXX/XXXX/XXXX I filed a complaint against CACH LLC XXXX in regards to a debt on home title that was cleared in BK Chapter XXXX Court. They responded that it was going to be submitted in court to be removed. As of XXXX/XXXX/XXXX it remains on title and I will be forced to Foreclosure very soon as the bank is not wanting to wait much longer.
A XXXX Card card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX  Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
About 8 years ago I had to up and leave my house to move for care of my daughter. To which we had renters but they XXXX us over and we didnt have time or money to deal with a house as my daughters health was way more important and the renters messed the house up. I have filed a few complaints on this company already. 7 years later the house hasnt been paid on its suposed to get forclosed. Its in the process but from what Ive been told my law office keeps getting hung up with SUNTRUST MORTGAGE on this issue. My credit has already been turned to XXXX cause they wont do anything.
I received a letter stating that my property was near to or possibly impacted by a Presidential Major Disaster Declaration. That is not true. I called to register my dismay at this vaguely threatening letter and request they update their data. The C/S Rep said he was unable to help me and would transfer me to a department who could. I then ended up in their automated telephone system, not to a person. I am very uncomfortable with my mortgage servicer implying I have disaster related damage to my home when it is not true. ( Please note, none of your mortgage process categories below apply to this situation. )
On XXXX XX/XX/2017 I purchased {$700.00} worth of Bitcoin from Coinbase, over a couple days I canceled my account and requested a refund which I have not received as yet. After a couple days I called the Coinbase phone line It was answered and I was told that they needs to access my account to make put my money back so I opened my account but no money was deposited. That same day my account was hacked and {$1000.00} was taken from my account by Coinbase. I made an alarm and my {$1000.00} was refunded. I made some changes to my account after that so as to prevent anymore unauthorized transaction. The outstanding balance of {$570.00} was not refunded to me. As you will see from emails sent back and forth they are clearly trying to rip me off. Many phone calls and email later still no refund.
In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company  name. This is a nationwide company I am speaking of. The company is XXXX formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.
On XX/XX/2018 I opened a line of service account with XXXX and when I asked if the credit check would be a hard inquiry I was told no. The inquiry was made and is now on my report as a hard inquiry. Ive contacted XXXX and they have offered no help in correcting my credit report to match what I was told.
Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.