WillisBack/dataset-financial-user-claim huggingface dataset:
I am having trouble with Navient. This is n't my first time. They are demanding that I pay close to {$1600.00} a month for my student loans - a very substantial increase from the {$500.00} I have been paying. I only bring home {$1600.00} a month from my job as a XXXX Team Member at XXXX XXXX. I am lucky enough to still live at home with my parents, essentially with free living expenses, but I do have a car payment, car insurance, and other living expenses I must meet. They will not come to terms with me but rather are hassling my father and aunt who are co-signors on the original note. Neither of them are able to pay what Navient is requesting either. My aunt is XXXX and retired with a very limited income. My father is in his last year of employment before he retires. I am not unwilling to repay my loans but I need to come to an agreement with Navient so that it is an amount I can afford. I borrowed {$57000.00} originally. I have been paying for 7 years and still owe {$80000.00} due to the compound interest. I will never be able to repay them at this rate. I will never be able to leave my parents ' home either to live on my own. Please help!
I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIANREGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE XXXX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EXPERIAN.
On XX/XX/2019 - I negotiated with XXXX XXXX   Associate - XXXX XXXX a fair and reasonable agreed upon lump sum of {$500.00} to settle in full a {$690.00} debt that XXXX XXXX XXXX, XXXX ( XXXX ) claimed I owe. This lump sum payment of {$500.00} was in exchange for XXXX to settle my account in full for less than the full balance of the debt XXXX owns and to request the credit report agencies to delete XXXX from my account with credit bureau report. 

The settlement agreement between XXXX - XXXX XXXX and I on XX/XX/XXXX with confirmation number XXXX was documented, accepted and paid in accordance with our agreement. On XX/XX/XXXX - I received and email from XXXX stating that Customer Care Representative that I chatted with can not assist with payments or negotiations. The law states - It is illegal for collection agencies to lie, make false promises and negotiate in bad faith to trick consumers into paying an agreed upon lump sum by falsely claiming to settle a debt in full and it is required by law after accepting less than the balance owed as payment in full.
Experian was hacked, they say that my information was affected. Can not freeze my credit through any of the three credit bureaus.
I am extremely disappointed with purchases I made with XXXX this summer. I'm not dissapointed with the customer service -- the sales engineer genuinely did his best to find the right equipment in my budget. I'm not disappointed with the equipment -- the gear was exactly what I wanted. I'm disappointed with my 48 month financing through XXXX and Synchrony Bank. 

My monthly payments were advertised as less than {$50.00} with no interest. I could pay it off within 48 months. I appreciate having the equipment I need to do my job immediately. I would even agree to pay more over time for the ability to have the equipment I need right now. That's why I jumped on the opportunity to pay over 4 years with no additional charges. And then my first bill from XXXX was {$75.00}. 

I figured I was paying for extra charges up front and then my bills would be reduced later on, but I have bills for {$75.00} or more every month. I pay roughly {$45.00} on my balance each month, and then I pay an additional {$30.00} of fees. I did not know about these fees or the amount until I received my first bill. I'm charged {$38.00} for late payments with no grace period. Monthly, on average I'm paying exactly 2/3 of what should be owed on my balance on additional fees. On bad months, I could be paying 151 % of my balance payment in fees. I will pay {$1400.00} over four years in fees alone. My original balance owed is less than {$2000.00}. It's difficult to communicate just how disgusted I feel. 

XXXX is a company that, on its face, values its customers. They are famous for their sales calls. Most music professionals and hobbyists I know have only the best things to say about XXXX. For a company with this reputation to offer credit with these exorbitant hidden fees is both deceptive and exploitative. I will never buy from XXXX again. I will make sure my friends, students, clients, and audience never buy from XXXX. 

Synchrony bank is absolutely gouging its customers with fees. What I am paying in fees is such a high percentage of the balance owed that I feel they are simply running a scam and exploiting people.
In view of the massive data breach at Equifax, today I attempted to obtain a copy of my free annual credit report from the Company. After supplying my full name, both current and prior addresses, date of birth, and my social security number I received a response indicating that I needed to provide further data so that I could be identified. The data requested was further financial data, including pay stubs, W2 forms and so forth. This information was to be provided by US mail along with a paper request for the credit report. 

I declined to provide any additional financial information to this Company, as it has showed it is incapable of safeguarding my highly confidential personal data. Moreover, I strongly object to Equifax using the obligation they have to provide consumers with a free annual credit report as a mechanism to collect even more, private financial data about people. 

Equifax should provide credit reports online with requiring additional financial disclosure from persons applying for their free annual reports. The information I provided online already was more than sufficient to adequately identify me. Further, there are other ways to confirm my identity, which Equifax already uses, that do not require additional disclosure of financial information. It is simply a falsehood for Equifax to say I need to supply a paystub or W2 for them to identify me adequately. Ironically, only someone who had hacked the Equifax database would posses the personal information about me initially requested, and that I provided in the application for a free annual credit report. 

I wish to obtain a copy of my free, annual credit report without being required to supply any further private confidential financial information to this Company. Equifax should be prevented from using this obligation to provide a free credit report as a way to gather even more financial data from individuals.
I received a letter XX/XX/18 It stated I owe XXXX XXXX for over {$2000.00}. 
This is the first time i have seen anything regarding this. 
It does not show on any of my credit reports, nor XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like more information regarding this account. When was it opened, why is it not on any of my credit reports and why is this the first time I'm hearing of it? 
I work Monday - Friday XXXX - XXXX Please call me hours other then those time or email me with information. Thank you. 
XXXX XXXX
I 've mailed out disputes to all  XXXX  credit bureaus on  XXXX   XXXX ,    2017  regarding a collection account from Central States Recovery for {$350.00} and they have fail to comply with sending me the verifiable validated physical proof I requested as I exercised my right of the FCR A # 811 and FDCPA # 809.
Citibank contacted my father around XX/XX/XXXX-XX/XX/XXXX. I was out of the country. My father has a separate account with Citibank, they advised him that my account was past due and no payment received since XX/XX/XXXX. My father isnt listed on my account, nor do I live at home with my father. Once my father made the rep aware that he had made a mistake he didnt want to release any further information. My account is enrolled in a Debt Settlement program and i have notified ALL my creditors of this and not to contact me or any one else. 

XXXX XXXX contacted my mother around XX/XX/XXXX-XX/XX/XXXX, while i was out of the country, at my previous home telephone trying to collect on a a debt, after they had been informed of my enrollment into a debt settlement program.
I had XXXX us dollars in a usd wallet held on coinbase. My account is 100 % verified and I have used it multiple times. Bitcoin had started to increase in price so I wanted to buy some, after reading every detail on the website Nd reading faq to make sure no delay would happen, I decided to buy in at XXXX per bitcoin. 

The website states if using credit debit or usd balance it would be instant. 
After the purchase on XX/XX/XXXX the transaction stood pending and to be deposited by end of day XX/XX/XXXX. ( Stated on website ). 
I was not upset it was n't instant at the time, but now XX/XX/XXXX and my money is still gone and no bitcoin.. Basically I have had XXXX dollars stolen from me for false promises and I have emailed over 10 times including reaching out on XXXX and have had no responses, except 2 weeks ago stating they are looking into it. 

I just want my money back, but due to multiple people having this issue, how can there website state the purchase will be instant if it can take up to a month with nothing not even in faq stating this.
CHASE credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a XXXX. 

Was notified by XXXX that they had taken over my CHASE card account, so worked with them to address the issue rather than run from the problem. 

Due to XXXX I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.
I did not receive anything from these creditors I have sent CERTIFIED letters to them for the past few months, disputed with the credit bureaus and I have heard nothing. I currently have an open account with XXXX that is up to date with no past due balance however there is an account for {$1500.00} reporting on my credit profile unverified.
Beginning XX/XX/2018 I begin my dispute process with Experian, XXXX, XXXX  and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by Experian, XXXX, XXXX, XXXX, and XXXX XXXX, they are required under 1681i of  the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
GENERAL CREDIT SERVICES OF ARIZONA. CONTINUES TO REPORT A DEBT FROM XX/XX/XXXX AS DEROGATORY OPEN COLLECTION ITEM ON MY XXXX CREDIT FILE THAT WAS DISCHARGE IN A CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. GENERAL CREDIT SERVICE WAS INCLUDED IN THE CHAPTER XXXX BANKRUPTCY FILED ON XX/XX/XXXX GENERAL CREDIT SERVICE CONTINUES TO REPORT THIS ITEM AS A OPEN COLLECTION ITEM AND HAS ONLY MADE REMARKS TO THE ITEM AND HAS NOT CHANGED THE STATUS AS PAID/CLOSED. I 'VE CONTACTED THE COMPANY AND SPOKE WITH THE ARIZONA OFFICE AND WAS TOLD THEY JUST RECENTLY REPLIED TO MY XXXX DISPUTE ( AND UPDATED THIS ITEM AS VERIFIED ) THE ITEM IS STILL SHOWING AS A OPEN DEROGATORY COLLECTION ITEM, WHEN THIS ITEM WAS PAID FROM THE BANKRUPTCY ESTATE. THIS OPEN COLLECTION ITEM IS HURTING MY CHANCES OF REBUILDING MY CREDIT.
The lender has failed to provide a response to the QWR request that was sent as of  XXXX / XXXX /   2017 - The lender also failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).
Sterling Infosystems XXXX, OH XXXX The above company conducted a background check for a potential employer. They reported a forfeiture u violation as a felony to the company. They did not reach out to me prior to publishing these results. An example of a forfeiture u is a speeding ticket so there is a huge difference between these violations and felony. 

When I called in to dispute I found out they did not have a phone number on file, a correct address, or an email. I received no opportunity to dispute prior and they published the results to the company before contacting me or providing the report. 

They have acknowledged their mistake and said they will file an amended report. However the damage is already done and it is too awkward a situation for me to step into with the company. 

They offered no apology during the process and did not seem to understand the severity of their mistake. 

I still have not received a copy of the report either the initial one or the amended via email or in the mail. 

Please let me know if you need further information for the complaint to be filed. 

XXXX XXXX
Hello, on XX/XX/XXXX I was contacted by a person CLAIMING to be a debt collector. At this time I am unaware if they are a scam or real. They are breaking multiple rules. First off, they began calling my wife claiming to be collecting a debt for a loan she did n't know about. They have called repeatedly after being told to stop. They have called her work to discuss the information with other people. We have recently gotten married, although they were unaware of this, as it was 3 weeks ago so when I told them I 'm her husband, they were willing to give me all the information, even though legally they have no proof I 'm her husband and are not legally allowed to discuss the debt with anyone else. They have threaten jail time, they have called me names and called my wife names. They refused to give written validation saying the email they sent me is enough. They claim to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX The email they sent me cites a different number than what they call from and has no official letter head. The number they call from is ( XXXX XXXX XXXX The number on the email isXXXX XXXX ; XXXX They now continually call ME at work after speaking with one of her old employers and finding out where I work The email address they used was XXXX
I was on the Income Base Repayment Plan ... my monthly payment was {$69.00}. After reapplying for the IBRP my payment increased to {$230.00} ... as a teacher this new payment was not in my budget. I could not make the payment the first month ... when I called to ask about why the payment increase I was told that in order to avoid being sent to collections that a forbearance was my only option. My balance was finally below {$100000.00} prior to this phone call ... I received the new document outlining the new terms and was absolutely astonished to see that they added {$47000.00} increasing the balance to {$140000.00}. It is outrageous that XXXX missed payment of {$230.00} would end up costing me {$49000.00}.
I had flooring installed in my home in XX/XX/XXXX, before the job was completed my wife noticed and brought to the attention of the installers areas of the floor that were uneven, soft and appeared to be defective. The installers stated the floor needed to settle and that the appearance would improve. The day before the job was completed the lead installer who was not present during the installation advised the price of the flooring increased by {$8000.00}. We also pointed out areas where the installers had caused damage, and that they had damaged our freezer door with a staple hole. Documentation was emailed to us with signatures that are not mine or my wife. I was provided a XXXX credit from Citibank ( Sears ) that was to be used towards the purchase. We have notified Citibank many times and was advised that no charges would be not incur during the investigation and dispute. However I am still receiving collections calls as well as past due statement for 6 months. I am a XXXX XXXX Veteran, XXXX 3 times a week, I use a wheelchair, walker and cane to get around my home. I filed with the BBB and the States Attorney offices but have not received a resolution, my credit report was recently pulled and this is affecting my credit score. I have not missed a car payment in 4 years nor a mortgage payment. The flooring is defective, bubbling, poorly installed in some areas as much as XX/XX/XXXX inch different. SHIP ( Sears ) states the flooring issue because my walls and floors are out of plum. The floors SHIP ( Sears ) removed from my home where 3 years old and consisted of Harwood, Ceramic, 1 room had carpet. The product XXXX ( Sears ) installed is a laminate, proposed by the sales  rep. as having a 50 year warranty and is a better product than Harwood. Sears wants me to remove the flooring, store in my home until they can pick up, the money we paid XXXX down is be used to pay for the damages caused to my home. They are asking that we drop the charges of forgery and not to make this issue public. I lost my left foot and a portion of my leg in XXXX to XXXX XXXX, I am now having the same issue with the right and will be starting Hyperbaric treatments to help with the healing if possible. We are seniors and do not have money or a lot time to spend on a lawyer. XXXX  ( Sears ) Area GM also visited our home and same the problems with the flooring, they remove the floors and install a porcelain product however it would cost XXXX. Yes we have allowed them into our home to view the defective flooring and the lousy installation, and the damages to our home.
The company is XXXX XXXX XXXX XXXX n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that XXXX XXXX is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to XXXX XXXX on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that XXXX XXXX never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want XXXX XXXX to update bureau 's all 3 on me n wife n show XXXX balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX  out of them.
I applied to Citizens Bank to take advantage of their Citizens Bank Education Refinance Loan I have never missed a payment on any credit issued in my credit history. I am up to date on all credits issued. I have a credit score of XXXX and I was denied an Education Refinance Loan. I feel that Citizens bank has violated the regulations of the Unfair and Deceptive Acts and Abusive Practices I feel they have Bait and Switched what they claimed would be a chance to repay my student loan in a timely matter. When I called to ask questions I was told by the person on the phone " Well it looks like you have XXXX options to repay your loan, borrow the money from a family member, win the lottery, or die '' I feel this was a way of them saying that they do not think that my life or my wanting to better my financial situation is worth the time to actually look at my credit report and see that I should have been approved for this loan, and with out a shadow of a doubt that repayment would be fulfilled according to the terms of the loan. I find the way that I was spoken to on the phone and the way that my application was denied with my great credit history and payment history again is violating the Unfair and Deceptive Acts and Abusive Practices regulations and a Bait and Switch scam.
I have several issues. When I first took out the loans in college I was not informed at all, now due to the high interest rate ( My interest rates are 8 %, 11.5 %, 11.5 %, 11.5 %, and 11.5 % ) I owe over {$100000.00}. Every time I have asked about ways to lower the payment because I can not pay over {$1000.00} a month I was always told there is nothing they could do. Navient ( Sallie Mae ) are making threatening and harassing calls to me, my co-signer and other family members which they should not even have numbers for. They have somehow gotten my Vet XXXX aunt 's number, my mothers number, my husbands number. My co-signer is my XXXX something year old grandmother and they threaten to put her in jail, take her house drain her retirement. I have five separate loans to Navient and just now have gotten 3 of them in a hardship repayment ( still paying almost {$200.00} a month ) yet to add the other two this is still over {$500.00} a month and I can not afford that. They are still sending threatening letters and making harassing calls to my grandmother tell her they are going to sue her if she does not make the payments.
Since the closing of my home loan, theres has been an escrow account in which property taxes and Home insurance were paid paid out of. My payments are 100 % paid on time. 
In XX/XX/XXXX, I received a letter from the citys department of finance stating that a tax lien would be sold in XX/XX/XXXX, if the amount of XXXX was not paid by XX/XX/XXXX. For several weeks I reached out to The mortgage bank to resolve this matter, and was given the run around. Finally, in the end of XX/XX/XXXX, I was advised by the bank that the a check was mailed to the city resolving the matter. However, the bank used the funds in my current escrow account to pay property taxes that they did not pay in XX/XX/XXXX, which was an error on their part. My escrow account is renewed every year, which means that capital one made an error, by not making he quarterly tax payment in XX/XX/XXXX, and used the funds in my escrow account so that I essentially paid twice for the same quarter.