WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my federal student loans in a forebearance status due to financial difficulties. I have explained this to Navient on multiple occasions and asked that my private student loans be offered a forbearance or similar waiver to coincide with my federal loans. I was not offered any assistance or alternatives, but instead told I had to repay my loans despite the hardships I was experiencing. Due to me not being able to pay, my private student loan went into collections, which has made it difficult for me to obtain credit. I am currently in good standing with my federal loans with an approved forbearance status.
XXXX creditors have provided Transunion with information to update the accounts but Transunion has failed to do so. XXXX XXXX advised Transuion that my account should report paid as agreed with no late payments and XXXX balance. Transunion reported account closed with delinquent history of 61-90 days. Department of Education sent Transunion notice to delete my department of education account but Transunion refuses to delete the account. The other credit bureaus received the same notice from the Dept of Education and made the correct changes. Transunion is purposely working to keep my score in a low status.
I had to keep applying for a forbearance because the amount of interest and loan that I owed is just impossible to pay back. Each time I paid, navient would apply more towards the interest owed then the principle amount owed and it keeps adding more to my total! It is impossible to keep up and pay down my loans from navient because they are just applying where ever they want to and not letting me pay down my loans! I feel I have been paying the same amount off for 5 years! They are stealing my money!
Bank of the west financed my boat for fifteen years during the first five years at XXXX XXXX they had a promotion to extend a payment for fifteen dollars I took advantage of this for five years .I paid off the loan including the five extra payments, then, I was told I still owed XXXX more for interest on those promotions.i complained but to no avail so I continued to make three more payments before I found out they reported my loan a write off to the credit bureau.I turned this over to a law firm they are writing a letter stating deseptive trade.the law firm advised me to turn this in to you .please advise me of what else I can do to get my titles on the boat and motor and clear my credit.
Wells Fargo bank has the worse practice in the industry. 
I had a check to my customer in XX/XX/XXXX, it was cashed on XX/XX/XXXX. The same check was cashed again on XX/XX/XXXX. I called Wells Fargo immediately, it still let the check go through. I have to call them XXXX times. The only explanation I got was it was done by mobile deposit, it can not be caught. It is real scary thing in the banking industry, it means the same check can be cashed many times and the bank do nothing to stop those kind of activities and the worse the part is Wells Fargo wo n't stop that and gave all the non-sense excuses for those kind of practice. 
Wells Fargo has to have action for some clients who do not allow the mobile deposits. Could you imaging the 6 year old check can be cashed XXXX times?
At six minutes past XXXX on a SATURDAY morning I was awakened from a sound sleep by my phone ringing. I was so soundly asleep that I did not wake up in time to answer, but because I was severely annoyed that whoever this was has called and woken me up that I called the number back a few moments later, they identified themselves as " Portfolio Recovery Associates ''. This is not the first time that they have called me before XXXX so I advised the person who answered the phone AGAIN that I live in California and that calling me before XXXX violates the federal Fair Debt Collection Act as well as California state law. The woman was unresponsive an unapologetic, so I hung up.
One day I was surfing the internet, I desired to my credit on line, I found XXXX accounts, I did n't have any knowledge of the them, I opened a disputed, and XXXX of accounts XXXX was removed from my credit report without a problem, the other account Midland Credit Management.Inc. without investigation, they desired to kept opened on my credit report, I opened a second investigation, I sent an E-mail, I explained, the reason why the account did n't belong to me, nothing happened, I got the comfirmention number from the investigation on my report ( XXXX ) with a missing number, it must be XXXX digits, I was looking for the account number I could n't find it, I contacted the Midland Credit, the person who answered my called asked me for the account number, I told him I did n't have and could n't find it in my report, then he asked me for my social security number, I told he I wo n't give to him that 's personal inf, I said to him, I started a disputed on a account with people, I can give you the confirmention number of your investigation, he replied without account number or ssn, he wo n't be able to help me and he just hang up the phone, so disrepecfull and without good manner, not giving me any other option to correct this problem, I belived those are the same people who opened this account .and was waiting for me to call them so they get full assects to social security and personal inf, I urge you please take matters in this issued and help me to bring down this people before the Law.Thank you I hope to hear from you soon.Sincerly XXXX XXXX .
XXXX of Genesis credit management has contacted me and multiple other people several times after I have asked not to. I 've spoken to her and her supervisor. She has been very rude and unprofessional and was told by her supervisor not to contact me, family members or anyone else again, and she keeps doing it. I 've asked to be mailed any information and to not be in contact with her, and she keeps harassing me and others.
I have a refinanced private student loan I took out with SoFi, which I took out under the pretense that I could take advantage of an income-based repayment plan. For the first four years I have had the loan, I was able to make good on this program, and was annually provided with an IBR application issued for US federal education loans ( despite the fact that the loan was a private loan ) by their servicer Trustudent. In all that time, this program was always referred to as an income-based payment program, and I was never informed of any limitations on how long I could take advantage of it. In 2015, SoFi changed their servicer from XXXX to XXXX, and XX/XX/XXXX I was informed that my payments would be effectively doubling within the next billing period. When I asked why I had not been provided with IBR paperwork, the servicer informed me that no such program existed. After several phone calls with SoFi over the course of two weeks, I finally learned that SoFi had not, in fact, had me on an IBR plan but on an interest-only forbearance. This was despite the fact that this was never communicated to me in correspondence or writing. I have spoken with an attorney who says this could be a case of deception in a consumer product, and I would like to see XXXX records examined to understand what happened.
On XX/XX/XXXX I was approved an installment loan from GREENSKY credit for {$5000.00} to have dental work done. I received an official letter of approval from them dated XX/XX/XXXX. A few weeks later I received a ten page loan agreement which gave me the payment amount each month but did not give a due date. I contacted Greensky and was told by a representative that I would receive an official bill in the mail giving me the due date. I never received that first bill. my next correspondence for them was a phone call in the third week of XX/XX/XXXX telling me that I was eight days behind on my bill due on the XX/XX/XXXX of each month. I explained to the representative on the phone that I never received a first bill and had no idea when I was to begin payments. I thought we had worked out a solution by changing the due forward to the XX/XX/XXXX of each month. I now get phone calls constantly telling me I am behind. they make explain their mistake over and over again, telling me they will adjust my billing cycle. The last call was today on XX/XX/XXXX, I asked to speak to a supervisor and she said that she had no control over the mail and am a payment behind and there was nothing she could do. I am being deceived and harassed. please help. Thank you, XXXX XXXX
Per Equifax 's Press Release Statement : there was unauthorized access from MidXXXXXX/XX/XXXX The first indication that Equifax gave of this breach was on the XX/XX/XXXX This I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!
Dear CFPB, This complaint is against Equifax on their incompetence with following updating accurate personal information. As of XX/XX/XXXX, I, XXXX XXXX XXXX, after months dealing with Equifax jumping through hoops I received a letter stating they had updated my date of birth to XXXX as for some fradulant info had my DOB as XXXX XXXX. That's odd because if I that was my DOB one of the fradulant accouts that were open I would have been 4 years old. 

Here it is XXXX and now my DOB is still incorrect in their system as they didn't update my DOB and they still have the fraudalent birthday on their file. They said they don't see a case # related to my name back in XX/XX/XXXX. That's strange I have a 18 page report here on my desk from Equifax stating they updated my DOB! ( Confirmation # XXXX ) I have attached that letter from their within this complaint. 

Abosolutely Insane as they are to protect us! Outdated questions on information about my past credit cards ext ext. This should be updated by Congress the amount of questions they can ask! 

I have sent emails, been on the phone with 3 supervisors, faxed them all information. In order to now track it again I went on line and upload information on their website which they sent me another case reference # ( XXXX ) with a different fax # on the cover letter which no suprise the fax # not operating!! ( Wonderful Customer Service ) I am trying to purchase a vehicle & they have placed an extended fraud alert on my account from XX/XX/XXXX and says on their file blocked for promotional purposes. Yet I have sent all my documentations and they continue to not have the info corrected in a timely manner. 

How is it that Equifax is still in business being at their mercy. I will want to be in a class action suit against them for all my troubles with this Burea. I have all my documents from XX/XX/XXXX with Equifax and the investigation stating my information had been updated. 

Now XXXX Still having the same problem with them! This particular dealership only pulls from Equifax causing me to possibly lose the rebate to buy this car. 

Your assistitance in this matter would be greatly appreciated. 
Thank you Kindly for your assistance and attention the urgency of this matter. 

XXXX XXXX
I have contacted Equifax several times about XXXX inquiries and as of now XXXX fraudulent collection accounts that have not been removed from my credit. I have completed XXXX identity theft affidavits and Equifax has failed to properly remove items from my credit report per FRCA regulations. Attached is the letter that I have mailed to Equifax about the accounts in question.
I have been trying to implement a credit freeze through Equifax for over a week. The only two options I have been supplied with are through an automated call service and an online portal. I have tried both methods multiple times and each time the system said it was unable to complete my request, in spite of the fact that I followed all of the steps and supplied all of the correct information provided. 

When I called their support line, they would not provide me with a number to contact anyone in Equifax who could verify the freeze or could help me resolve this issue. Twice the customer service rep simply hung up on me. 

I was able to enroll in their Identify theft program but even on that site, it shows that there is an error on my account. There is a customer service number listed but when I call, I only get the signal indicated the number does not exist.
I signed up with equitable acceptance on XX/XX/2016, when they called they said they were with the government and that they could help me get student loan debt relief. I was told I did n't qualify to have my student loan completely forgiven but I would only owent {$2000.00} from my $ 10,000+ student loan I would have to pay them $ XXXX month for their service. I agreed believing I would only owe {$2000.00} of my loan. It 's been a year I have paid them {$590.00} and I found out I still owe navient {$10000.00}.
I received a refund from XXXX XXXX on my old XXXX XXXX account that was already closed at that time. XXXX XXXX received and kept the money without denying the transaction. I have the ARN number for this transaction. 

Claim # XXXX ARN # XXXX Sincerely, XXXX XXXX
I have been XXXX contacted by Allied Interstate attempting to collect a debt on behalf of XXXX. A call to XXXX confirmed my account with XXXX was paid in full when the account was closed.
This is a complaint agains t Ocwen Loan Servicing ; I am sure y ou get many. On the  XXXX  of  XXXX , they sent me an  XXXX  page letter regarding my escrow account. The fine print in the letter stated that they were going to increase my monthly mortgage payment by {$42.00} to cover an increase in taxes which Makes sense since my taxes have increased. My complaint concerns a statement at the bottom of each page which states : " This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. '' Enclosed in the package was a coupon for me to mail in {$1000.00} to cover the escrow difficiency. I immediately sent in the money and now realize I really owed nothing as the escrow account was cash positive and would be within Federal law ( RESPA ) with the increased mortgage payment of {$42.00}. In short, they solicited {$1000.00} from me at the same time they were notifying me of a mortgage increase.
I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary.
After losing my job in XXXX of this year, I was struggling to pay all my bills to include my car note. I was four payments behind, but on Wednesday, XX/XX/2018, the company received two car payments and a fee for an extension. I was informed by the company that the extension would allow two of the delinquent payments to be posted to the end of the loan. 

My car was repossessed on Saturday, XX/XX/2018, due to me not receiving the extension that was promised. 

I immediately contacted the company and was told that if I wanted the car returned, I would need to payoff the car loan in the amount of more than {$15000.00}. I asked for a manager and complained about paying monies for an extension that was not honored. 

I was then given the opportunity to pay {$2000.00}, to get the car back. 

The company is XXXX XXXX and the supervisors names are XXXX XXXX and XXXX XXXX. The phone number is XXXX.
sears card claim I am late making payments closed my card when in fact I sent receipts payments has been made to date no reply they assessing late fees to my account when I am up to date, they reported this the credit company 's and closed my account
Called after employment termination to setup a payment plan based on unemployment which was {$600.00} biweekly. Called again after unemployment ended to give them an update they stated nothing can be done besides interest rate decrease. Called today  XXXX / XXXX /2017 on another solution because I have no income, they stated they do n't have payment solutions for unemployed people.
XXXX   XXXX   XXXX   has merged w ith Huntington National Bank, all of my accounts were to be transferred to Huntington   Bank, after waiting patiently for my new credit card to be sent from Huntington Bank over six weeks later I have not recieved the card. I called Huntington to find out what happened and I was told the account had been closed per my request. I informed them that I had not made any   requet to close my account, and that I had no prior communication with them or   XXXX   XXXX   XXXX   at all about closing an account. I was told that nothing could be done at this point. I ask them to tell me when was request submitted, and how was it done because it was not me.  Huntington responded by telli ng me they were not allowed to give me that information even though they claim it was me who made the request, they could not provide proof or any information to support that statment because they know it is not true.
I was informed of a " 60 days late '' message on my credit report by the bank i had applied with for a home loan. The message appeared at least 39 times. The wrong report was from XXXX XXXX department store. The bank ( XXXX XXXX ) said this was adversely affecting my credit. 
I had filed for bankruptcy in XXXX, it was discharged in XX/XX/XXXX. XXXX 's was included in this bankruptcy. However, despite the discharge they have continued to report me as late many times.
The XXXX website advertised a credit card with a XXXX mile bonus for spending {$1000.00} in three months. I signed up for the credit card. I was immediately approved and emailed a cardmember agreement. This agreement did not mention that the original offer had changed. Several weeks later I received the credit card in the mail with another copy of the cardmember agreement. I did not look too closely, as I had already reviewed the one that was emailed to me. Supposedly, this XXXX changed the original terms of the offer I signed up for, saying I had to spend {$2000.00} for a bonus. After three months, my bonus did not appear. I checked the chase website and saw again the bonus listed for {$1000.00} and XXXX miles. There was no mention of any other offer anywhere. I called Chase to find out where my bonus miles were, and they said I had been processed to a new offer. They did not make this clear to me anywhere, at all. They told me that in order to receive my bonus, I could try to " close the card and reapply ''. I said I did n't want to do this as it would hurt my credit score. They " assured ' me this would not be the case.
I had opened an Experian account to check my Personal Credit, this because I have applied for a few Credit Cards and was denied. So after looking at the Credit Report, I was shocked to see 'XXXX XXXX XXXX XXXX XXXX ' on it. This because even though I admit I do owe back child support to the XXXX XXXX XXXX, I have been paying every month for several years. Never missing a month. I was told by Experian that even though I pay every month, that the 'XXXX XXXX XXXX XXXX XXXX ' status will remain NEGATIVE on my credit report because even though I've been paying on time every month, I still have a outstanding balance of back child support owed. So I said OK! 
That having been said, I then ask if it legal for Experian to keep 'XXXX XXXX XXXX XXXX XXXX ' account on my Experian credit report if the 'XXXX XXXX XXXX  XXXX XXXX ' can not provide them with the an ORIGINAL SIGNATURE? Which I know 'XXXX XXXX XXXX XXXXXXXX XXXX ' can not produce, because due to the fact I was living in the state of XXXX and was not able to appear in court when my child support case was in front of a Judge in the state of XXXX , a judgment of court ordered child support obligation was placed on me by default of me not appearing. And even though I am ordered to pay child support, I never signed the Judgement or court order. So therefore, because I never signed any child support judgment or court order, I feel that Experian should remove it from my Credit Report.
In XX/XX/XXXX my Heloc was transferred to 21st Mortgage Corp . I started making my payments to 21st Mortgage Corp by autopay as i was with the previous financial institution. I have never ever been late on any of my debt this includes my mortgages, car loans, credit cards, my credit is outstanding and always has been. 

OnXX/XX/XXXX 21st Mortgage withdrew my payment but did not post it because i was in the middle of a loan modification. They told me that my payments would not report late as long as i keep making my payments, which i did, never went late. I have asked 21st Mortgage Corp to make the correction, they said they would look into it and get back to me, i have yet to receive a response
To whom thi s may c oncern I  XXXX   XXXX  sent a certified letter and fax to Transunion and  XXXX  on  XXXX   XXXX    XXXX  . The letter was a paid for deletion to the company  XXXX   XXXX   XXXX   XXXX   XXXX  . Current Creditor  :  XXXX   XXXX   XXXX . the account was sold by  XXXX   XXXX    XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager a t the company  XXXX  and he stated it would be removed.   XXXX    has deleted the collection from file but Transunion has n't. Also  XXXX   XXXX  is reporting the account inaccurate the account is paid so it looks like there are  XXXX  charge-off on my credit. The only action that was taken by Transunion is the collection has a  XXXX  balance when it should be deleted per the contract.