WillisBack/dataset-financial-user-claim huggingface dataset:
I have been complaining about this company and their servicing of my student loans for years! Please add me to the list of people who deserve to be rewarded for having to deal with them. They have caused me a great deal of pain over the years and it continues to this day. Thank you for finally protecting the consumer. I believe I would be an excellent person to testify against Navient/XXXX. Please contact me if it is possible to be a part of this lawsuit.
On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing XXXX days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.XXXX XXXX. XXXX. And they are violating XXXX section XXXX and XXXX. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.
I have been making on time payments on my student loans to Navient and have been paying even more than the requested amount each month. I went to make a payment today online automatically drafted from my bank account, they are calling my payment past due even though Im paying on the the date it is due. I tried looking all over the website and their is no information to contact anymore their to speak to.
I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
I have a XXXX XXXX backed mortgage with Wells Fargo for XXXX. They foreclosed on my wife and myself in XXXX. We fought the case for years and On Thursday XX/XX/XXXX they got confirmation. They had a sheriff sale and Wells Fargo then deeded our house to their name in XXXX. Although we paid our insurance separate we had a roof claim in XXXX. We sent the check to Wells Fargo for them to sign so we could get our roof fixed. They kept the check for XXXX and our roof continued to leak which caused mold.Wells Fargo Also Placed forced placed insurance on us to inflate our payoff. Wells Fargo also sued us for more than what was due in principle. According to our note prior to foreclosure Wells Fargo foreclosing on us we were suppose to get a letter stating how much is needed to be out of default. This is important because, in XXXX we put up a cash bond for XXXX to show the lender we wanted to pay. The XXXX dollars we put up is more than the note was actually behind.We applied for modification after modification ( HAMP ) asking can we pay. We explained we had a hardship years ago but we could pay. The case was dismissed as a bad foreclose and in XXXX they returned the money and refiled petition to foreclose attempting to fix the fraud.Although the sheriff deed was vacated in XXXX, they never deeded the house back into our name so we could refinance it or get a reverse mortgage we asked them and their attorney to deed the house back in our name as the court order stated. We filed modification after modification, we used XXXX XXXX to assist us in the modification because we were not sure why they would not approve us. They never sent denial letters. They just kept saying they don't have to respond and they were not giving us one. We filed bankruptcy wanting to pay. Our lawyer over and over asked them to give a payoff. They kept sending inflated payoffs with excessive lawyer fees, forced placed insurance although they were aware we were paying our insurance. We then filed another modification all in all we filed every year for 9 years. Prior to the confirmation hearing we offered XXXX cash they would not except. Knowing the last sheriff sale only got XXXX. We have documents, phone records, and inflated payoffs.We also read about Case No. XXXX and found we had some of the same issues. We contacted the attorneys for the Defendants. We have spoken to numerous people at Wells Fargo including XXXX XXXX whom was working on the modification because it was XXXX XXXX. XXXX XXXX XXXX XXXX office of the President. XXXX XXXX direct line to executive of Wells Fargo XXXX. XXXX XXXX told us not to speak with anyone but him but he has not helped us. 

XXXX XXXX XXXX  filed a sheriff deed on our house after they sold it in XXXX. The judgement was over turned. From XXXX until the present we have asked them to put the house back in our name since the Judge Ordered them too, but they never would which prevented us from getting a refinance or reverse mortgage. It also violated a direct order from the Judge. We could not fix this because it was filed with the Oklahoma Court County records. Which means they must file another deed deeding it back to us.
This is my 4th complaint about Chase during the short sale process. After giving my agent the NET proceeds needed to receive the approval, my agent forwarded documentation showing them their net, and then Chase responded that they would only issue an approval with NO COMMISSION to either agent! They said it's because the agents all work at the same company, they have over 1,000 agents! My agent has called and been treated badly by Chase and is due the commission. Please contact Chase and make them step up, her package gives them their net while still getting the commission. Thank you.
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!
About 11 years ago I opened a checking account with Wells Fargo. The product was to be free of monthly charges if I opened and sent XXXX $ a month to a savings account. 


I did this and have sent XXXX $ per month to the savings account without a miss. 


Several times over the past years Wells has tried to add XXXX $ a month fees to my account. I have after spending a great deal of time and energy managed to get these fees recredited. 

In XXXX and XX/XX/2018 they tried it again and deducted a XXXX $ " XXXX by Wells Fargo '' monthly service fee. I have never of " XXXX by Wells Fargo '' nor have I ever asked for it. 

I called Wells Fargo to try to deal with this latest attempt to pick my pocket. I was on the phone for at least 30 minutes, transferred to three different people. No one could deal with the problem. I was eventually transferred to someone named XXXX and after explaining my issue was disconnected by Wells Fargo without any resolution. 


They had my phone number, at least I had given it to at least 3 different people and never attempted to call me back.
My Chase Visa was charged {$420.00} via the XXXX Website on XXXX2017. XXXX did some redirect when I hit submit and the charge was increased and made by XXXX. On XXXX I chose a 2 BR, Premium, Beachfront, Beachview, twin beds in the 2nd BR Condo. I have presented evidence to XXXX showing them that I got a 1.5 BR condo with bunkbeds shoved into a tight Alcove. It is a XXXX Condo with no updates and is very definitely not Premium. There were no twin beds and it was a 1/2 mile hike to the beach. <P/>Chase. XXXX XXXX XXXX, XXXX, DE XXXX replies to my dispute with a general statement that I received the product for which I was billed. <P/>There seems to be a deception going on in that the XXXX Website removes itself from the process when you hit submit. When you hit submit you get charged a higher rate and eventually you see the product is not as described by XXXX. <P/>Chase is negligent in not properly investigating this and protecting my purchases from this deceptive fraud.
I was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with XXXX XXXX XXXX. I purchased this car in XX/XX/2012and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with XXXX XXXX. This is not true.I have several blemishes on my credit report from XXXX XXXX stating that I have not made a payment. I want these late payments removed. 

XXXX XXXX partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used XXXX XXXX to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to XXXX XXXX, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.
I was ripped off owing more than the car was worth. I purchased a XXXX XXXX XXXX in which I was charged XXXX for the car financed through Chrysler capital. I was tricked when I signed everything I was told to come back in and resign another copy not showing that I was charged XXXX until after I got the receipt and notice later what they had did. This happened XXXX XXXX XXXX had went bankrupt I would have sent it back but I was promised I can get refinance with a better interest in much lower payments from the redemption center but was turned down because of the high equity.
We are currently in Bankruptcy and our mortgage was transferred from XXXX XXXX to Caliber Home Loan in XX/XX/XXXX. We pay an interest rate 7.13 % on this mortgage, however when we receive our yearly XXXX tax form for XX/XX/XXXX from Caliber it was for the amount of {$15000.00} for that year. Caliber just starting letting clients in Bankruptcy receive mortgage statements and have access to their statement online accounts. On this first mortgage statement Caliber stated ( recently paid interest ) {$31000.00}. But this is not the amount on our XX/XX/XXXX ( XXXX ) tax form and they had not posted 3 months of payments to our account online at that time and still show XX/XX/XXXX payment due when we are current. I am making this complaint about Caliber Home Loans, because I feel the interest rate being reported to IRS is not accurate and in their statement they are adding unexplained fees past amount when the mortgage payments are being made each month in full.
In SXX/XX/XXXX we had Hurricane Irma hit us. We called our mortgage company, PNC, and was told we could do a natural disaster forbearance for 6 months. I continued to pay my mortgage starting in XX/XX/XXXX ; only using 3 months of the forbearance. Once the 6 months was up my loan went into loss mitigation and I was started on a trail payment plan. I paid the increase payment for 3 months. My loan is now under modification and is the interest rate is increasing by 1.25 %, increasing my payments by {$200.00} a month, and my credit score is continuing to drop. I have missed three months but PNC have been reporting my credit as I have not been paying my mortgage since XX/XX/XXXX. I have called numerous times and nobody at PNC can help me. Apparently there is no department at PNC that I can speak to that reports to the credit bureau. Me and my husbands credit score has dropped over 130 points and every month they are reporting a missed payment and it keeps dropping.
Navy Federal Credit Union ( NFCU ) still has not validated the debt that they believe I allegedly owe.
I attached a document of proof with this complaint. One or more of these deposits were stolen from my account by NFCU when NFCU restricted my account. When validating the debt, NFCU needs to explain where those deposits went.
Also, NFCU continues to report unwarranted/ inaccurate, negative, defaming and derogatory information on my major credit reports. I have continuously asked them to remove the information but to no avail. Another complaint here is that Navy Federal Credit Union ( NFCU ) still has not paid me redress for illegally restricting my accounts during XXXX-XXXX in accordance with File No. XXXXXXXX-XXXX. I ask again that NFCU remove all inaccurate, negative entries from all credit reporting agencies for reasons stated below : NFCU unfairly restricted access to my accounts. By NFCU restricting access to my accounts, I did not have the same opportunities as other NFCU members to view, update, and address fees that may have been applied to my account. As such, any fees or late notices that were applied to my NFCU accounts during this time should not have any bearing. This includes all late entries and charge-offs on all of my NFCU accounts that are currently documented with all major credit reporting agencies.
Also, NFCU stole my VA XXXX payments that were given to me by recurring, automated deposits. NFCU used it to pay on credit card debt without my permission. I could not stop the automated payments because ( 1 ) my account was restricted so I could not transfer the money out of my account and ( 2 ) because it takes/took two months from the time the VA was notified to stop recurring payments from going to my account and switch it to another. According to the Department of the Treasury, taking any VA XXXX XXXX from a XXXX is illegal. For redress, I simply ask that NFCU remove all negative entries from all my major credit reports.
I am a victim of identity theft. I have sent numerous affidavits and police reports to Total Card, Inc., in reference to the following account : *******************. The reference account do not belong to me. I want Total Card, in the spirit of good customer service, to close the above referenced account. Cease and desist all collection efforts immediately and permanently and have the account, deleted from my XXXX credit report immediately.
Information should have dropped off 7 years from the date of XXXX delinquency, instead they are dropping only one month at a time. I submitted online XXXX have this corrected and never received a response or correction.
A sales person for yellow pages called XXXX XXXX show up one day to my place to offer me a good deal on marketing for my busines wich is currently colsed, the original agreement was XXXX dollars per month i never sign any document i just accepted verbally, but the first bill that i received from them was for the amount of XXXX dollars plus XXXX, by then i totally disagree with that amount because we agreed XXXX and nothing else i did not have that amount to make that payment, I asked twice to XXXX when he came to my shop is there any hidden or extra charge and he told me not at all and that was the reason why I accept by then he never mentioned anything about that ridiculous amount always told me XXXX will be your first bill even when i received my first bill i contacted him and he contacted yp for an explanation, when i receive the call from collection from XXXX and from XXXX i told them i do n't want to do any advertising with your guys because this is not what we agreed so close my account and im more than welcome to pay for the 2 months that your guys had my listing online 2 months later they close my listing and that it, never heard from them anymore, ( I DID NOT SUBMIT ANY PAYMENT ) Now 2 YEARS LATER this company called ( Rauch Milliken International, inc ) XXXX XXXX XXXX, LA XXXX PHONE ( XXXX ) Just send me a letter claiming that i owe XXXX dollars wich is not true is totally incorrect and also they just threat me to seize my bank account, inventory, account receivable etc, without this case being taken to a small claim court or anything like that, also they just called me on Thursday XX/XX/2017 and same thing the girl on the phone threat me to take legal action against me or my company wich do n't exist anymore. Please advice.
I purchased a XXXX XXXX in XX/XX/XXXX and used XXXX XXXX  as the servicing finance company. The original balance was roughly {$24000.00} with a 0 percent interest rate. 

In the spring of XX/XX/XXXX, my wife was involved in an auto accident with the vehicle which resulted in the total loss of the vehicle. We did not have gap insurance and there was roughly a XXXX dollar difference in the amount paid by the insurance company and the outstanding balance on the loan. Our insurance company paid their share, and we continued to make payments as agreed upon in the original contract. 

My wife was contacted by XXXX XXXX, asking to have the remaining balance paid in XX/XX/XXXX. She responded to them and told them we would continue to make the payment, as agreed. She was told, " This is going to be very negative for your credit ''. She disputed this with the representative on the phone on the basis of never being late, or never missing a payment is a pretty great pattern to have on your credit report. 

We have continued to pay as agreed in the contract, we have not been late nor have we ever missed a single payment for this account. Upon checking my credit, I have noticed that it is now listed as " Bad Debt/Charge off '' and has lowered my credit score substantially. 

I called the XXXX finance company today on XX/XX/XXXX whose rep said that I should " dispute with the credit reporting agencies, because this is how we do it ''. He also stated I should " call another day because I didn't want to listen to the XXXX process '' after I had plainly told him they were violating my rights under the Fair Credit reporting act.
I got a new phone number at work, and Portfolio Recovery is spam calling it every day. I do n't have any debt, and I want them to stop calling. 

I have submitted multiple complaints and they close all of them claiming I have n't given my phone number so they ca n't check on it. PLEASE VIEW PHONE NUMBER ON THIS COMPLAINT AND STOP CALLING IMMEDIATELY.
I have received another demand lette r, ( {$6400.00} ) th is time from  ARA Inc, for  a debt that was settled ove r three d ecades ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.   XXXX  I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  a t ARA.
Hi On XXXX, XXXX I purchased Furntiure from XXXX Store and they promoted CREDIT Purchase through ( GE Capital finance ), IF paid in full by XXXX XXXX XXXX there is NO interest. So I Kept making monthly payments until the last payment amount pending XXXX/- Now, from GE Capital the finance was transferred SYNCHRONY Bank , which was never informed to us and we did not get PROPER Communication. 
So, As of XXXX XXXX XXXX, original balance amount pending is XXXX/- and Promotion Date got expired XXXX XXXX so the interest should be charged only for the $ XXXX/- instead they are charging for the entire loan amout of {$2300.00} and my NEW Bill is XXXX it is now with further late / penalty charges $ XXXX/- Since XXXX XXXX I made several call on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I spent hours with various horrible OFFSHORE foreign accent customer service folks including one XXXX XXXX and created A dispute ticket, which they promised to investigate within 30 days and so far we have NOT recivied NO Investigation results as it is more than 30 days now. 
AFTER severals calls I discovered that SYNCHRONY BANK has XXXX accounts on my name 1. above furniture account 2. my XXXX Credit account So, I believe the SYNCHRONY BANK customer rep got confused on XXXX XXXX and told me that the balance will be XXXX, IF I pay XXXX which I agreed and paid but it was credited to my XXXX Account instead of FURNITURE Account ( So, {$770.00} interested was charged for my account should be refunded in the first place ) because had he credited to my FURNITURE Account I would have NEVER Been late because with the GRACE Period of 30 days from XXXX XXXX, It should have XXXX XXXX and the REP told since it is only couple of weeks above GRACE period he can make the Balance XXXX and close the account and did it. 

Finally, Called on XXXX XXXX, XXXX XXXX PST spoke to rep XXXX XXXX hours EXPLAINED all above especially their representative CREDITING my XXXX Account instead of FUNITURE Account and then againpaid another {$110.00} ( on the assumption that I am paying 29.99 % interest for the remaining balance amount of $ XXXX/- for the 2 weeks delay above 30 days grace period. ) Bottom line, 1. Harrasment of Increased BILL Due MAIL keeps coming 2. NO Investigation results has been shared instead, PHONE CALL Harassment with so much keeps coming.. 

I will not pay interest for entire loan amount of {$2300.00} because on XXXX XXXX the balance was only $ XXXX and the rep made a mistake of crediting wrong account i.e. XXXX Account instead of XXXX account. 

Please help US from this harassment from this SYNCHRONY BANK OFFSHORE Customer services folks undue diligence, professionalims, accent and torcher.
VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.
First I would like to express my appreciation for confronting XXXX XXXX on behalf of service members about changing the interest rate to 6 %. I received a reimbursement check for almost {$10000.00}. 
After receiving my check, I found out I was eligible for the Public Service Loan Forgiveness ( PSLF ) program for military service but I would have to transfer my loan from XXXX to FedLoan Servicing. I submitted the paperwork and transferred my loan. When I called FedLoan about participating, they told me my income was too high for the PSLF and I was not eligible. Not only that, they raised my interest rate to 7.625 % because it was " disbursed '' after I was XXXX which is clearly not the case. The money was disbursed in the XX/XX/1990 when I was in college and not in the military. I feel now they ( 1 ) deceived me to transferring the loan to them, and ( 2 ) illegally increased my interest rate. Had I known I was not eligible and my interest rate would go up, I would have never transferred. Please help fix this like you did with XXXX XXXX. 

FedLoan Servicing XXXX. XXXX XXXX XXXX, PA XXXX Account # : XXXX