WillisBack/dataset-financial-user-claim huggingface dataset:
My servicer, Navient, sent me an email on XX/XX/XXXX congratulating me on my approved application for deferment. I never applied for deferment for my student loans. I had my loan repayment set up to debit my checking account {$220.00} every month. I never knew that they would or could defer my loans without asking me or without me applying for deferment. I owe approximately {$29000.00} in student loans. I called Navient on XX/XX/XXXX and asked why they deferred my loans. They told me that it was written in my promissory note and that my college, XXXX XXXX   XXXX University, contacted them and told them to defer my loans for me. I then called my college on the same day and asked if they had contacted Navient for me to defer my loans and they said no and that they do not do that for students. I also asked if they had any record of me asking XXXX to help me defer my loans and they said no. XXXX informed me that Navient retrieves a list of borrowers who are enrolled in school from a different source and defers their loans. Navient lied to me about XXXX telling them to do it, deferred my loans without consulting me, and has ultimately set me back on my student loan forgiveness. Now I am behind on my repayment schedule with interest accruing.
National Mortgage Settlement : XX/XX/XXXX. My home loan is currently being serviced by Ocwen loan Servicing and prior to this Homeward Residential Holdings and American Home Mortgage. I was not aware of the National Mortgage Settlement and still being abused by Ocwen which they are committing FRAUD. My loan was constantly falling behind and all they did for me was approve me for an In-House modification which did nothing for me and was forced to sign forms under duress. did my home fall into foreclosure, NO. Was I offered a principal reduction, Yes but it was added to the end of the loan and my HOME from XX/XX/XXXX is still under water. Attach is the current information on the settlement that I found and want answers and WANT OCWEN citied again for illegal practices. 

I AM NOT ACCEPTING THEIR ATTACHED REVIEW THAT WAS PERFORMED IN A THIRD WORLD COUNTRY AND WILL ONLY ACCEPT THE MODIFICATION UPON ACCEPTABLE TERMS OF THE HAMP AT 31 % OF MY INCOME. OCWEN DOES NOT DESERVE ANYTHING MORE THAN 31 %
USAA SAVINGS BANK, charged off an account of mine, when I contacted i spoke with XXXX ext XXXX and she clarified an error and the bank paid the charge off amount of {$1.00}. to to satisfy my account, but the bank never updated with the credit bureau to remove the derogatory notations on the account, all of the late payment history and the term charge-off still is attached to, my account, which was not caused by me but by an error the bank made.
Purchased a vacation package from supposed merchant XXXX in XX/XX/XXXX, merchant was refusing to render services. Canceled card within two business days of tranaction after investigating charge further including statement showing charge to unknown third party. XXXX also refused to book a vacation of several dates requested. During initial call to Citibank they refused to stop transactions. Attempted to reach citibank rep several times after initial call and was not properly notify me of closed dispute. I've made multiple attempts to resolve issue with merchant. Merchant reported they've not received funds after 45days of dispute being closed and still refusing to provide services. Finally gained access to dispute report in after 3hr phone call with Citi bank on XX/XX/XXXX after months of calling citi and multiple prior attempts of attempting to obtain documents. Dispute report was supposedly delivered XX/XX/XXXX to me and this never occured. I never received notice of documents uploaded to my account. Also, documents can not be viewed from mobile phone via citibank app or online via mobile. Can only be viewed on desktop and I never registered my desktop online account. Citibank also reports mailing documents I never recieved. Only document I received from Citi was a notice of late payment after dispute was closed, thus triggering sequence of events the past four months. The documents of dispute report show the merchant forged my signature on a contract I never agreed too. Also, multiple discrepancies where proven with time stamped emails and phone records I submitted to Citi that Sunwaves merchant claims in their report. The dispute report also has date from citibank screen shot showing inaccurate date of XX/XX/XXXX, a day after I actually obtain the report from Citi that was supposed deliever XX/XX/XXXX. Citibank is still refusing to take any accountability of error on their end and wont reopen the dispute for reasons that change every call. After submitting evidence of fraudulent activity to Citibank on XX/XX/XXXX, two business days after I finally obtained the report. Citibank informed me they would respond in 10 business days. Requested reponse in writing and it never occured via phone or mail. Called citi again and was told dispute was not allowed to be reopened per XXXX  protocol. Called XXXX  and XXXX representative told citibank they were negligent and wrong on a recorded call on XX/XX/XXXX. Visa representative filed incident report in XX/XX/XXXX due to citibank falsely claiming this is due to visa protocol. Citibank has continually given me false information every call and reports mailing letters and sending electronic documents that I never received. Citibank has consistently violated the consumer protection act as result of their own negligence and improper closing of dispute without my evidence to show illegal activity and services not rendered from merchant.
XXXX has pulled my credit 10 times on my all of my store cards then proceeds to reject my credit limit increase requests stating that they werent able to pull my credit. I now have over 10 inquiries from them for them, and theyre fraudulently saying they were unable to pull it. The accounts that were pulled were XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX.
The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # s provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX/XXXX/XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX   XX/XX/XXXX Experian  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX I XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX XXXX   XX/XX/XXXX Experian XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
My wallet was stolen and my Rushcard was used with my pin. I filed a dispute and was told because my pin was used, there was nothing they could do, they closed my case, and then told me to do a rebuttal and get the case reopened then they will investigate. I got a new card from them but I feel they should have investigated when I reported that my card was stolen.
The credit bureaus is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking them to remove them and they have not so im filing a compliant against them for unfair credit reporting Credit inquiries XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
I was working to pay off a Chase credit card. When I finally got the balanced payed down to XXXX, I received another bill for additional money that I apparently owed as well. I called up the Chase customer service line, paid that additional money off and was assured that was the last bill I would have to pay them and that my account was officially at XXXX balance and closed. XXXX months later, I received another bill for more interest that I apparently build up from a zero balance that I then owed again. I do not understand how I can be told I owe nothing more to a bank, only to get another bill from them with more money owed.
Recently there was a massive data breach at Equifax. Said data breach has put at risk the financial security of hundreds of millions of Americans. 
Out society is such that our credit score deterined by this company will determine the trajectory of your life. 
In the recent events, the only option to truly protect your credit score is to enact a credit freeze at each credit agency. This will cost almost EVERY American 10 dollars per agency for a freeze and to remove a freeze. That is {$60.00} for each of the 143 million Americans for the mistake of a company performing a service that most of those Americans did not request. 
I know I do not want to pay the fee to freeze because why should I give money to the people whose fault this is. 
There should be no fee to freeze one 's credit, especially given the current circumstances.
I have two account on report that should be deleted. Both have been on credit report for more than 7 years. 

1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX
I have not used my Capital One credit card in 2 or 3 years. I had not been receiving statements from them. My credit score dropped significantly. I discovered it is because Capital One accepted a fraudulent charge on my card, never notified me, and since I only discovered the fraud about 3 months after it occurred, Capital One has placed negative information on my credit report. I called Capital One and they removed the charge. They act like I should be happy with that. I'M NOT HAPPY. Would you be happy if your credit score dropped 50 points due to the fact that Capital One accepted a fraudulent charge on your credit card, never notified you, and treated you as if you are XXXX because you wanted them to correct their mistake? I WANT CAPITAL ONE TO REMOVE THE NEGATIVE FALSE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY.
I ask Experian to remove items from my credit I furnished a police report my ID SS Card everything they ask for all items were removed except for XXXX its not mine I fueled the report with police ask for it to be taken off and the 46 inquieries which none of which havent been removed either. I have taken all steps and I have provided all info needed to prove its not mine
I had made a agreement with Metro Collection service, inc on a debt. Marking {$100.00} payments each month, of which I did keep my part of the agreement. During the last few months I took it upon myself to increase the amount of the payments. I called on XX/XX/2017 to find out my final pay off amount. XXXX informed me at that time my pay off amount was {$130.00}. I agreed that matched my records and sent the payment in, asking only for a lot tree r confirming the pay off. On XX/XX/2017 I received a letter informing me they received my payment, but now I owe another {$140.00} and they asked for a payment of {$140.00}. Due right away. This does not match my records and was not the info o was given.
In XXXX, XXXX, and XXXX I found out I was a victim of identity theft while serving in t he United States XXXX. In late XXXX I was XXXX and lost my belongings in storage. I tried to fight it in the past and even in the present but had no success. The accounts that I'm disputing are with XXXX and as such. 
1. XXXX XXXX Parial account # XXXX First reported XX/XX/XXXX and now is considered a charge off. Recent balance {$10000.00} written off {$7400.00} 2. AD Astra Recovery Service Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$300.00} 3.XXXX XXXXXXXX XXXX Partial account XXXX XXXX First reported in XX/XX/XXXX which is in collections. {$500.00} 4. XXXXXXXX XXXX XXXXXXXX Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$99.00}
I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. 

I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to XXXX. They failed to migrate my Perkins loan to XXXX, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. 

Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ XXXX monthly to XXXX in addition to {$230.00} a month to separately pay for my Perkins loan. 

All of this is not including monthly payments I have to make for private loans.
I have a XXXX balance on my account with XXXX XXXX yet reporting as a negative account. I can not pay XXXX balance
On Friday XX/XX/XXXX I went to the Suntrust XXXX XXXX Branch ATM on XXXX XXXX XXXX, XXXX XXXX Florida to make a withdrawal of $ XXXX from my XXXX XXXX XXXX XXXX. The time was XXXX. There was no sign or any message that the machine was out of service. 
The machine took all my info including a {$3.00} fee and then informed me that it was " unable to process '' my request. I went into the branch and was informed they were aware the machine was OOS and were awaiting a technician to make repairs. I requested a sign be posted but was told the technician was on the way. An hour later on my 4th trip to Suntrust there was still no info to let the customer know the machine was out of service. Had there been a notice none of this would have happened. 
I then went to another branch and the ATM there informed me I had 'insufficient ' funds to complete the transaction. I then returned home and checked on line my XXXX   account and was surprised that, with the conversion, XXXX  had debited C {$960.00} from my account. I then returned to the XXXX XXXX branch and talked to the assistant mgr who informed me the problem was with my XXXX XXXX  and not the fault of Suntrust, and that I should contact my XXXX XXXX  and lodge a complaint. 
I didn't believe her, and returned home, called the XXXX XXXX in XXXX, and even though they or myself didn't believe that XXXX was responsible, set up a fraud complaint file and advised me to return to Suntrust and re talk with them. On my fourth trip to Suntrust the asst. mgr still insisted the problem was with my XXXX XXXX and not Suntrust. I explained that Suntrust ATM didn't dispense my {$700.00} because it was 'unable to process ' but electronically informed XXXX that it did and XXXX   sent Suntrust {$700.00} from my XXXX checking account. This totals $ XXXX that Suntrust now had. This has caused me to miss my first mortgage payment in eight years. 
I talked to Mgr XXXX four times, but was told today Suntrust is set up for the defrauded customer to have to do the fighting with the bank from where the funds were taken from ; NOT Suntrust ATM that failed to dispense the funds as Suntrust does not service their machines. 
That means Suntrust takes no responsibility for their errors and places the onus on the consumer/customer to suffer. 
With four employees inside who knew the ATM was OOS, why did not one of them  place a sign on the ATM? Would it have been too much of an effort to do so? 
I can only guess it would have been even though I requested a notice be placed on the machine. Over an hour later there was still no notice on the ATM. With the popularity of that branch, I can only imagine how many customers have been inconvenienced and have lost money by the lack of management responsibility and Suntrust policy.
I contacted Experian in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Experian again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Experian that there were none showing. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.
I have spoken with Navient several times, I have been very confused about exactly what I owe and how many loans I have. My loan is confusing. I started off with 2 loans one for {$3500.00} the other for {$4900.00}. I was so hesitant to go back to school, this is why! I was divorced in 2007, I was raising XXXX kids on my own and working 2 jobs. One is as a XXXX in the XXXX XXXX, working with XXXX XXXX XXXX. I have done this job for 13 years. I thought I could become XXXX XXXX. Both Universities convinced me I would get all kinds of grants because I was a single parent. I did not receive much help at all. My ex husband paid no child support either. I saw the loans getting bigger and decided I could not pursue my XXXX XXXX because I could not afford it. My loan has been sold to different companies and now because of interest and several deferments I owe around {$20000.00}! Through the years I have spoken to people at Navient relaying this information, they kept convincing me to do deferment. I have had to constantly work 2 and 3 jobs in order to live so these loans were not priority. I recently went to apply for a small mortgage because I am trying to find something more affordable and on my credit report Navient has several negative reports also I thought I had 2 loans and it appears on my report as 3! It has brought my report down significantly! I have also asked several times with the job I do is n't there any sort of loan forgiveness? I work with XXXX XXXX XXXX in a XXXX XXXX! Now my loan to find a cheaper place to live is not going through! I am stuck, confused and very frustrated!
XXXX has totally ignored the XXXX in respect to my loan. My loan is in an ongoing foreclosure case. I qualified for the XXXX, completed the application, sent it to XXXX along with all documentation in 2012. They repeatedly asked for the same documents acting as if they could not find or " did not receive '' the documents. Please see the attached documents that were just filed with the XXXX XXXX Florida Courts on this past Monday. I have proof from third party verification of documents being supplied to them, the documents supplied, and my appeal to them when they would claim they had not received the documents. And then more document requests afterwards. Then they transferred the servicing of the loan to Residential Credit Solutions whom now say they do not have to abide by the terms of the XXXX and are forcefully moving towards a foreclosure hearing when my original loan modification has not been concluded or even offered. I definitely fit every detail required for a loan modification that would require a significant reduction in principle and they are acting in bad faith to circumvent the required relief that I seek.
My mortgage provider Ditech decided without out my permission or reason to add earthquake insurance to my escrow. I live in Michigan where earthquake insurance is not required and I do n't find it to be necessary. I sent an e-mail to Ditech asking why this insurance was added to my escrow. I received an auto reply and then the next day I received a second e-mail stating that my request was being reviewed for appropriate processing. That was two days ago and they have not bothered to follow up with an answer. I am sure that it should not take that long to provide me with an answer if they were planning on telling me the truth. 

I do plan on contacting a lawyer to help me review and explain the escrow to me. I do know that the earthquake insurance should not have been added to my escrow. I prefer to communicate via e-mail because you ca n't deny the conversation. I do not want to discuss this matter over the phone with Ditech being that I do not have a way to record the conversation. Any and everything can be denied being said when you have no hard proof to back you up.
The complaint I would like to file would be against XXXX XXXX and XXXX XXXX & XXXX XXXX. Recently I called XXXX XXXX office to get an updated log of my account for my records, as well as the original copy of the contracts and documents that I signed for the account. I called to speak with a representative from XXXX XXXX to get an original copy of my account and summary. The associates name was XXXX he did, confirm that my account was at a XXXX balance. 
After our conversation I asked XXXX If XXXXXXXX would be able to send me a letter summarizing what we had discussed concluding that the account was at a XXXX balance. He said he would have to talk to his supervisor to get an approval for a letter to be sent out. He came back and told me that they could in fact give me a letter and it would take about 48 hrs. To be sent out for me to receive it. After 2 weeks of not receiving it, I called back to XXXX, and they informed me I would have to call XXXX XXXX to get any further testament of my account. 
Once I was able to contact XXXX XXXX they informed me that my account was at a XXXX balance and they no longer had my account. I requested from XXXX a letter stating these facts about my account, but was denied this as they said they do not issue letters about account balances or status, I would have to get back in contact with XXXX for those records basically having me run in circles. I then had to call back to XXXX and I was able to speak with another supervisor there. She informed me the reason I had n't gotten a letter was because they do not send out and will not send out a letter concerning any details about my account. Because of this I disputed the negative showing on my XXXX on XXXX.17 as well the XXXX showing on the same day. I then proceeded to dispute the XXXX showing on XXXX17. All 3 credit Unions reporting agencies did not respond to my request within 30 days allowed. They did not provide me with any proof of the validation of the account that XXXX provided them. 
At this point I do n't know what was provided by XXXX to the credit reporting agencies. I spoke with a XXXX  representatives XXXX, XXXX and a supervisor by the name of XXXX on XXXX.17. I was told that a dispute came back from XXXX at a higher balance of {$1600.00} but previously it was {$570.00}. 

XXXX XXXX holds the account for XXXX and XXXX, as I have a XXXX credit card. Because of the dispute with XXXX,  XXXX XXXX informed me that they decreased my credit limit from {$700.00} to {$100.00}. I have never missed a payment and never am late on a payment. One of my big questions, is are they allowed to do that. I believe its unfair when I have always kept my account in good standings.
I have submitted documents to apply for an income-driven repayment plan 4 times.   The company keeps replying they ca n't read the documents I sent  ( they were scanned and sent in two different formats. ) The last time I submitted paperwork they replied Asking for a document I already submitted. They keep delaying my application in order to add more interest to my debt. All the documentation was properly submitted, and I have the emails to prove it. Nelnet is maliciously delaying the process.
Opening a new checking account and after making 10 transactions or a direct deposit of {$1000.00} they would supply a bonus of {$250.00}. I have contacted them several times and even filled out more paper work after going into a branch. I completed the 10 debit card transactions with pin and also did a {$500.00} direct deposit. Both were completed before XX/XX/XXXX.