WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have Navient as my student loan servicer. I have received numerous harassing phone calls from them stating that I was either late on my payments or the payment amounts were incorrect. Almost every month after I had made my payments early, they would call and say that I was late or I did not pay enough. So after I was manipulated into believing that I had paid the wrong amount, I sent more money and then increase the amount the next month. I was convinced by Navient that the phone calls would stop if I paid, but they did not. They kept calling me each month with the same story. I sent this email to their " Consumer Service '' email address : To XXXXXXXXXXXX XX/XX/2016 at XXXX Dear Navient, The information you have about my account is incorrect. I was told that the amount I 'm supposed to pay is {$110.00}. In the month of XXXX, I made two payments ; one for {$100.00} and one for {$110.00}. These payments were made before my due date ; at least a week or more. 

The emails you send are so conflicting and misleading. They do not contain adequate information such as loan/account numbers, monthly totals, etc. They are very vague and seem to be intentionally misleading. When receiving these emails and collect calls, I become XXXX. I ask myself why is Navient continuing to contact me for payment and I am making payments. Once again when my loan was with XXXX, I had no issues. I was n't harassed for payments because, like I 'm doing now, my payments were always made on time and for the correct amount. 

Just a quick note, all the emails you have sent are being kept. I am printing them out an comparing them to my payment dates from my online banking account. Thank God I make my payments through my bank. Also, I will be notifying them about you all. This is just a precautionary measure in case you guys try to send a payment back or say you did n't receive it. I just want to make sure they are on the look out for any fraudulent practices. I 'm not making accusation about the fraudulent practices ... .it 's all over the Internet and in the news. 

In the meantime, can you please update my account so I will not continue to receive these harassing collect calls for no reason? 

Thanks in advance. 
-- -- -- - Even with this email the phone calls still kept coming. Here is another kicker ; when I was receiving these phone calls, I was in school and Navient knew it. 
They can not continue to get away with this.
I reviewed my credit report with Experian and learned of an account with XXXX XXXX that I am not familiar with. I attempted to dispute this account with XXXX XXXX via certified letter with the contact information provided on my credit report by Experian as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This letter was returned to me on XXXX/XXXX/16, not deliverable. I then sent a certified letter of dispute to Experian requesting this account be deleted from my personal file due to inaccurate reporting information with copies of my returned certified letter and proper identification. The above case number was assigned as a result of my letter of dispute of inaccurate information. On XXXX/XXXX/16, I received the results of Experian 's investigation, via letter, stating the account was " updated ''. I reviewed the updated information, and the contact address for XXXX XXXX is still showing as the original address I attempted to send my letter of dispute. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) I am unable to dispute the account with XXXX XXXX to the validity of it being mine, and I have no alternative as how to settle. I am enclosing copies of my returned certified letter to XXXX XXXX, the results from Experian on the investigation of XXXX XXXX as to my dispute of inaccurate information, a letter of Request of Investigation Validation by Experian, and my XXXX request of the deletion of XXXX Funding from my personal file. 
Any assistance in this matter will be so greatly appreciated. I look forward to hearing from you.
My mortgage was transferred from XXXX to Statebridge XX/2015. No paperwork was received. I had to contact XXXX to receive information on new company. Statebridge continuously state for a year and half I did not have a mortgage with them. After making contact with them I sent a bank check in certified mail-XXXX, I sent another bank check that was returned. I then contacted Statebridge.after numerous attempts and over one hour wait times ( phone records for proof ) I also had sent weekly emails to the company with not one response, I did receive statements I made contact with a person named XXXX who stated they would not accept my payments at this time and I was in active foreclosure. I then asked for some type of modification I had most funds but insurance had escalated. My insurance was {$1800.00} they were stating my flood insurance for {$7500.00}. The representative stated to apply for a modiication, I did the modification three times all times stating they did not receive. I then asked for one specific representative her name was XXXX XXXX which I did process twice waiting or a response I contacted Statebridge and they stated she was no longer with the company. I then was assigned to a XXXX XXXX I did modification again but they requested I get a binder for insurance. I then had to reapply for modification and received a binder with XXXX XXXX which I paid again did not hear and when I contacted Statebridge I was told XXXX XXXX no longer works for Statebridge. I then asked to speak to a head supervisor as the entire process was a debacle. I then made contact with XXXX XXXX, I at this point was required to attain flood insurance in which I purchased. I finally received a modification but at this point my interest went from 5 to 6 % I honestly thought it was an error. I contacted her and she stated the investor wanted it that way, I would have to do another modification and try different options-she then stated I needed an appraisal from XXXX XXXX which I scheduled. I CONTACTED XXXX AGAIN as I did not receive any response. They stated the appraisal was never completed and I would have to do another appraisal visit in which I scheduled. I then again made contact with XXXX XXXX to find out she is no longer with Statebridge and XXXX XXXX was contact. I contacted XXXX XXXX at this point I was offered a repayment plan with a % XXXX down  payment and a mortgage payment of {$6200.00}. This company is completely disorganized and I have in good faith tried to work with them. I am able to put down a down payment but ask for a reasonable mortgage. I have all emails, first modification but was unable to send as file was to large. I can print and forward if necessary.
XXXX XXXX XXXX is a terrible company. I had aXX/XX/2015 XXXX XXXX that I was financing. I was not 30 days late but was a victim of a XXXX XXXX XXXX. The repair shop reported a illegal lien against me even though I offered to pay. XXXX XXXX XXXX still took it upon themselves to repo the car even though it was paid and have XXXX up my credit with TransUnion and is hindering me from getting another car and personal and business funding. Furthermore to add insult to injury they reported it late to the credit bureaus after repoing the car.
Hunter Warfield and its representatives are attempting to collect an account for which I didn't sign a lease. Hunter Warfield contacted me about collecting a debt that I don't have any responsibility for. If there is reason to believe that I am responsible for this debt mail me documentation with my wet signature that I have entered into a contract with Hunter Warfield and its representatives who are attempting to collect an account for which I didn't sign a lease. I never entered into an agreement via a signed a contract with Hunter Warfield and I do not owe for this debt. I request that all other communications with me and with this address cease and a record entered that I dispute having any obligation for this debt. If Hunter Warfield stops collection of this debt and forwards or returns it to another company, please indicate to them that it is a disputed debt. If this debt is reported or has already been reported to the credit bureau, also report that the debt is disputed.
Our lender is PennyMac, though we initially bought our home through XXXX mortgage. We received a letter that beginning next month, XXXX XXXX, our payment will be increasing from the current amount of {$1700.00} to {$2400.00} due to an escrow deficiency. This is an insane increase to be facing, and it just feels like this has to be an error! We understand that escrow estimates can adjust, but this is such a ridiculously high amount that it seems as though PennyMac screwed up somewhere.
Applied to XXXX XXXX for loan modification, received approval on XX/XX/XXXX for a  Streamline Modification. On the same documents assigned a relationship manager XXXX XXXX XXXX. I set up a phone call appointment on XX/XX/XXXX for XXXX to call me at XXXX XXXX.. Called multiple times confirming the approval and was told if our family just made the 3 payments listed we would get the modification. Tried to reach XXXX XXXX XXXX but no luck. Spoke to several relationship managers assuring me we were good. Our family is under a chapter XXXX bankruptcy and spoke to our attorney on XX/XX/XXXX to end the bankruptcy. The following Monday, I received more documents stating Sorry, this has been denied on XX/XX/XXXX. I called, spoke to a XXXX who said Ocwen made a mistake. A mistake. We are devastated. Immediately reached our attorney again and said do not submit the court papers. We will stay with the Chapter XXXX because I trust the courts more than XXXX XXXX. As soon as it is discharged I can not find another Mortgage company fast enough to refinance. I have submitted said documents.
Debt was discharged ( cancelled ) by the bank ; on or about XXXX, a XXXX sent by Wells Fargo to IRS stating balance of {$4800.00} as taxable. 

Now I am receiving repeated harassing phone calls trying to collect debt, as well as a letter from Wells Fargo filled with inaccurate detailing of situation. 

Have responded in attempt to rectify their records. No response back as yet.
XXXX bought a credit card debt from another creditor.
I have been making payments on the debt. I have paid them the principle and more. The $XXXX balance is all the late fees. I mailed them a settlement letter on the XX/XX/2015 and they have not responded to me by mail. I requested that I wanted to be contacted by mail only. They have sold this debt to another collection agency, but they are still collecting the debt.


Credit Limit   $XXXX
High Credit   $XXXX
Balance        $XXXX
Past Due      $XXXX
our card was used and we filed a police report and the lady at citi denied our claim she violated our rights under the FCBA and now where out the money that was used plus XXXX in personal time she has the united travel docs to prove that we wernt even in the country
To whom this may concern, TransUnion is reporting two addresses on my credit report that are not only non-existant addresses but addresses which I have never lived at. 

Specifically, TransUnion is reporting " XXXX XXXX, CA XXXX '' and " XXXX XXXX, CA XXXX '' as my addresses. Even if I did previously live at these addresses they are formatted in such a way that it would be impossible to apply for a bank account or credit account and have the bank verify the address provided by the consumer with the address provided by the credit check. In effect, this false information locks individuals out of financial services and TransUnion should have never let this clearly false information be maintained on a credit report. 

There is not such thing as XXXX XXXX, CA XXXX '' or " XXXX XXXX, CA XXXX ''. Please see the attached screenshots for more details. I would like TransUnion to immediately remove these prior addresses and apologize.
I was told this collection account can and would be removed and it was not -- -delete it. 
Violations -- -XXXX XXXX -Does not show XXXX balance. Does not show paid. XXXX 2015 and XXXX 2015 monthly reporting indicators state " failed to pay '' -- -delete it. 
XXXX -- -States date assigned XXXX 2015. -- -delete it. States open -- -delete it. Payment status states late 120 days -- -delete it. Type of loan states XXXX XXXX -- -delete it. States delinquency XXXX reported XXXX 2015. -- -DELETE it. 
XXXX -- -States XXXX failed to pay /late '' in XXXX 2015. 
Please advise the above XXXX + violations.
XXXX  is reporting informating that is frad on there report and will not remove from XXXX XXXX
This morning I looked into my bank account to discover I was XXXX dollars overdrafted, and the reason for this was XXXX and XXXX rides. I contacted my bank representatives and was told by the man I spoke to that the reason this happened was because when the service is requested, the money is withdrawn immediately, but then at a later date it is cancelled, then ACTUALLY removed a few days later, so, when I thought I was being careful and making sure all my transactions were going through, they actually were n't. Yesterday I noticed the first overdraft fee ( XXXX dollars ) had been charged to my account and I was alright with that, figuring something like this had happened, but at XXXX dollars I realized something really needed to be done. I do not think I should have to be charged for things that I had been told I have already paid for.
Date Filed :  XX/XX/XXXX  Case Number :  XXXX  Court Number/Name : Court Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX    XXXX , IL   XXXX   (  XXXX  )   XXXX    Amount : {$3800.00} Class : VS/ State Lien Status : Date Released :  XX/XX/XXXX  *****************THIS WAS RELEASED ON  XX/XX/XXXX  Date Reported : Comments : *****This lien was released on  XX/XX/XXXX . I have attempted numerous times to get this corrected. Since it is inaccurate information, I would like it removed from my report all together********** **************************************************************************************************** Date Filed : XX/XX/XXXX  Case Number :   XXXX   Court Number/Name : Court Address :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA  XXXX  (   XXXX   )   XXXX   Amount : {$1600.00} Class : VS/ State Lien Status : Date Released :  XX/XX/XXXX  *********THIS WAS RELEASED ON XX/XX/XXXX  Date Reported : Comments : *****This lien was released on XX/XX/XXXX . I have attempted numerous times to get this corrected. Since it is inaccurate information, I would like it removed from my report all together**********
My loan was transferred to LoanCare on XX/XX/XXXX. They told me I had to make a one-time payment for XX/XX/XXXX because auto monthly payments would not kick in until XX/XX/XXXX. In early XX/XX/XXXX, I made a one-time payment, which included {$5.00} late fee because I did not pay before XX/XX/XXXX, and I enrolled in auto monthly payments as well. The one-time late fee was supposed to be refunded because ( a ) it was impossible to make a payment before my loan was transferred and ( b ) they are not permitted to charge late fees in the first month. Contrary to what i was told, the auto monthly payments started in XX/XX/XXXX and I therefore made two payments in XX/XX/XXXX instead of one. I have asked countless times for a refund and they say the will, but never end following through.
My fiance and I was searching for a forever home and we finally found one and put an offer on it. My fiance went with freedom mortgage because he was referred. The house was supposed to be a convential loan but with the ac missing and the front door in need of repair it had to be a XXXX loan. I was told it does n't take a super long time but it is longer than comventional. They were still gather info on our credit and financial things even in to month 3. Which is ridiculous. By the time they sent for an appraisal, that did n't come back for over 3 weeks which was after our closing date. Yes, we had to have an extension and it was approved. The appraisal came back with XXXX item on the list which included a whole lot of small repairs including replacement of a vanity cause the floor in it was broke to outlet covers, but yes there was one repair that cost a lot and that was the outside siding. Freedom mortgage would n't let me pay any money out of pocket or do any of the repairs myself which just kept raising my mortgage dollar amount. I had the money to pay for repairs out of pocket but they said that all I had to do was tell the contractors to not deduct the whole amount and the money left in account will go back to principle, and meanwhile with their procrastination we had to have a second extension which was approved. Now it 's past 4 months and closing date is coming up again and my lender tells me we are not going to close on that date. I filed for a 3rd extension and was told I would have to put more money down for deposit and my extension is approved but only because I am an excellent buyer with excellent credit and money in the bank. With the 3rd extension steadily approaching it was clear freedom mortgage would not be able to get their paperwork in order. My loan officer and my loan processor could not agree with anything and my loan processor kept losing my personal financial paperwork hence why it took over three month to collect my financial stuff. Now I lost the house and I 'm extremely mad because that was a home that I could see myself for the next 30 40 years. My loan was denied because of too many extensions not because of me but because of them. But they sent me a denial letter saying I cancelled the deal, which I did not. And because of that I ca n't get my deposit back. Please help me get my deposit back.
I went on to Kay Jewelers website on  XX/XX/2017    and applied for credit was approved for {$1500.00} with a 20 % down payment. As, I was looking for an item I called the customer service number ad spoke with a representative who told me that the only store that carried the item was there sister compan y Jared Galleria ( whi ch I did not know at this point they were affiliated ). I asked the rep if I could u se my Kay 's store credit at Jared 's she told me no that I have to open a separate account and I had to go onto Jared 's website and apply. I w ent  to Jared 's web site applied for credit with a limit of {$1500.00} and 20 % down payment, which I was fine with. I made a purchase and within a few weeks the credit bureau reported that I had a  XXXX  credit line and {$0.00} balance with Kay 's and a {$1100.00} credit line and {$580.00} balance with Jared 's. Which is not correct according to the terms and conditions that were sent to me with the  XXXX  separate cards and  XXXX  separate account numbers. This error causes my credit ratio to show higher due to them lowering my original credit limit between to the  XXXX  accounts. I was not told that the  XXXX  accounts were linked or were going to be linked. I contacted the Credit Bureau and disputed this information with them and it is still under investigation, I then calle d Kay ' s on  XX/XX/2017    and was told that the accounts were linked and they are sorry that they did not disclose that information to me or any of there customers. I asked if this could be resolved to reflect the correct credit limits on my credit report and she told me no there was nothing she could do.I did not see how this can be right to the consumer.Although they state the credit amount may be reduced they then turn around and tell you you ca n't use the credit with their sister companies. I feel as they they are misleading.
I have a loan with Well Fargo Bank.. my car was repossessed on Tuesday XX/XX/2017 I totally understand that I was behind in my payment and my payment history was not the greatest. But I have the money to pay the back payments and they refused to take it and suggested I pay XXXX then I can get the car back ... I want my car ... I called everyone and they had me on hold for a total of 4 hour within three days and they said they can not reverse it,,, I know I made a mistake but I need my car and I have the means to pay and continue to pay. 
Please help me,,,
We closed on our house XXXX XXXX, 2016 and the XXXX house was paid off. Our last statement from Carrington mortgage stated that we had an escrow balance of {$1300.00}. We just received our escrow release check for {$770.00}. We called Carrington to see why we did n't receive our full escrow amount and they stated that they paid the property taxes on XXXX XXXX. Our taxes were {$1000.00} so that does n't make any sense if you do the math. I called the county to confirm and they said they only received one payment for the taxes, which was from XXXX at closing, so Carrington mortgage did not pay our taxes. There was nothing else due in XXXX to come out of our escrow, only the taxes. I have attached the receipt from the county to prove that only XXXX paid, our last mortgage statement showing the last escrow balance before paying off the loan, our refund check, and the annual escrow disclosure statement to show that nothing else was due from our escrow account. When I contacted them to get a resolution they said that I would have to reach out to the Carrington research department. I did fax them over all the same info. We want the remaining balance of our escrow back of {$550.00} and were depending on that full amount of the escrow money. Please help us!
I went online to Transunion.com/XXXX and was not able to obtain my free credit report. I was referred to XXXX and was able to obtain a free credit report using the telephone options however was not able to obtain copy of my credit score for FREE. I have to pay@XXXX. The telephone number does not provide you with an option to speak to a live agent. 

on XXXX I was declined a credit card with XXXX XXXX ( application with XXXX XXXX XXXX ) because my FICO score is not available with Transunion. 
Why do I have to pay for my credit score? I cant even get it from my creditors that offer it for free XXXX and XXXX XXXX XXXX because they obtain it from Transunion and I do not have a FICO score available at Transunion let alone obtain credit without one. 
Are they not a credit agency? 
Shouldn't I have a FICO score available? 
Do they not screen the customers they service to ensure that they all have a FICO score, that is why we have credit correct? 
Why can not I not talk to a live person?
XXXX XXXX has reported to the credit bureau, XXXX, the same debt twice in the amount of {$810.00} totalling {$1600.00}. The collections are showing on my credit report both times and are hurting my credit.
I have a late payment noted by Prosper on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.