WillisBack/dataset-financial-user-claim huggingface dataset:
Navient has been overcharging interest on my federal XXXX loans. 

Even though I am on an IBR plan, I pay weekly ( approximating what I would have on a standard plan ) because I understand that interest compounds daily, and any overpayment I make is supposed to go to principal. 

On the first payment of every month for the past six months, I noticed that the split between principal and interest is off by almost $ XXXX as an overcharge in the interest category. None of my contact with Navient customer service has resolved this error. Please investigate.
I 've received several calls from some who did not disclose their name, nor did they advise me the basis of their contact, but attempted to coerce vital and private information from me. All they seemed to have was my name, phone number, last XXXX of my social and an incorrect address that I 've never heard of. But when I attempted to ask what was the reason for the call, they refused. Because they refused, I requested that they not call me anymore, but they still insist upon calling. I 'm pretty sure that there should be no bill collectors calling me since I filed for in XXXX XXXX and received discharge of bankruptcy in XXXX XXXX. I 've since reverse dialed the number and it answers as Dynamic Recovery Solutions. My other major concern is identity theft. Is there anything that I can do to prevent the continued calls as well as find out if there is someone using my identity.
I would like to file a complaint and dispute this charges on collection. I sent a written disputed letter since I am not aware of this company. But never received anything after filing a dispute for this charges on  XXXX   XXXX ,   XXXX   which they indicated I have 30 days to dispute this charges. Please see attached for the dispute letter I have sent to this collection agency.
We have a collection on our credit reports that is from a rental agency that we've never lived at and we never have broken a lease for that much money to begin with. The company refuses to remove the collection from our credit report though.
I moved out of   XXXX   XXXX   on  XXXX    XXXX  . Everything in the apartment was clean and paint. A worker in the complex paint it and fix the spot in carpet for me! They are saying that they change carpet lying because want to charge and keep the money. Also I sent them all the info and is only until a colleccion agency call me that I know about this bill. They had {$750.00} of security deposit. Also I moved out because a custody battle in Michigan and give them proved!
DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,
I paid the loan amount off in full and have been waiting for the status to be reported to all 3 credit bureaus. I paid the account off in full and Im awaiting for the company to report the information to the credit reporting bureau : XXXX, XXXX, and XXXX.
IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX THIS ACCOUNT IS REPORTING ON MY EQUIFAX CREDIT REPORT AS IF IT'S MY ACCOUNT. I'VE SENT NUMEROUS OF CERTIFIED LETTERS TO ON XX/XX/2016 THE COMPANY NOTIFYING THEM THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY AND THE LETTER WAS RECEIVED BY AGENT XXXX XXXX, ASKING THEM TO PLEASE CEASE AND DESIST WITH THE COLLECTION PRACTICES AS I AM A VICTIM OF IDENTITY THEFT AND STOP REPORTING THIS ACCOUNT TO THE EQUIFAX BUREAU BECAUSE THE ACCOUNT DOES NOT BELONG TO ME. I'VE ASKED FOR THEM TO VALIDATE THE DEBT AND TO VERIFY THE VALIDITY OF THE ACCOUNT. SHOW ME PROOF OF THE ORIGINAL CONTRACT BEARING MY ORIGINAL SIGNATURE. DO NOT SHOW ME PROOF OF BILLING STATEMENT BECAUSE THAT DOES NOT VALIDATE THE ACCOUNT TO BE ACCURATELY MINES. I'VE FILED THE PROPER PAPERWORK WITH THE LOCAL POLICE DEPARTMENT AND AFTER THEIR INVESTIGATION THEY SAID IT WAS NOTHING THEY COULD DO. I HAVE SENT ALL DOCUMENTATION INTO EQUIFAX TO REMOVE THIS ACCOUNT AND THEY HAVE YET TO DO SO.
Phone call harassment all hours of the day, will not stop calling. I do not owe anybody any money, never missed a payment in my life and am a XXXX veteran
Equifax was hacked on XXXX XXXX 2017 and my personal information is now out in the public. I have gone to equifax.com and received an enrollment date for my fraud protection service but I am worried that my identity is already out there as I am not allowed to enroll until the XX/XX/XXXX. I  need to rectify this situation immediately and am not affected for the rest of my life and expect to be compensated fairly for all protection services.
My   XXXX   student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all  XXXX  credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
I sent a debt validation to the creditor Santander Consumer USA to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called XXXX XXXX XXXX. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.
Paypal denied my fraud claim for a fraudulent transaction on XX/XX/XXXX in the amount of XXXX. Paypal claims I previously submitted an e-check in the same amount to same person, which is a lie, I explained to rep that whomever did the transaction had previously attempted it differently using an e-check but that was canceled prior, then sent directly from Paypal balance. This was done so I am unable to dispute the transaction as a purchase, I also explained this to Paypal rep ( s ). The person the funds were sent to. XXXX XXXX, has not responded to my emails and I absolutely do not know this person. I suggested to Paypal rep ( s ) that the transaction be reversed out of the persons account ASAP. However, they have not complied and will not credit my account back. I have also explained that someone also hacked into my XXXX account prior, I was advised via email by XXXX to change my password. I think the same person ( s ) may have also hacked into Paypal account. I did change password and added extra security as suggested by Paypal rep, however, they have done little to nothing to get funds back
I was told that the georgia power bill and the bankruptcy case have my address and other personal information stateing that it is my accounts. I have contact georgia power and I was told that was not my account. and I have all so contact the court house where the case was filed. and I spoke to someone and the information was check and I was ask for the last XXXX digit of my social security number and my address and other personal information. and I was told that the information didn`t match and that we were to different people. Equifax updated my information to that person credit report because when equifax ask me send in a copy of my ID. and a copy of my social security number and told me to call them back the next week. when I call back I was told that my information had been updated. equifax used my information that I sent to them to try to make me be that other person. they need to get off their sorry butts and do their job. they have already sent me the lady personal information and we are not the same person also the jobs that was put down where I claim to have work are not mys jobs. also I don`t have no reason to file bankruptcy they need to start working to get this messed fixed. or I will see them in court.
On XX/XX/2016 at XXXX I was at TD Bank 's ATM located on XXXX in XXXX XXXX NH. At this time I was making a deposit as this machine allows for this type of transaction. While making this deposit, the machine took some of the cash deposit and then apparently jammed. Before jamming the machine took in approximately {$1100.00} dollars of my total deposit. I called XXXX immediately and was advised that the lobby was closing and it would be best to come in the following morning. The machine did not give me my XXXX XXXX back and did not produce a receipt either. The next morning XX/XX/XXXX I went in and deposited the remaining {$360.00} and sat and reviewed the event with XXXX to get the formal complaint in and was assured the process would be handled quickly. 
After following up with XXXX XXXX I was advised that the process takes XXXX business days and we would hear back after that. If need be there would be a review of the cameras of this ATM to validate my claim. The 10 days elapsed and there was still no resolution and no credit in my account outside of a {$0.00} deposit on my account from the evening of the transaction. After Speaking with XXXX XXXX I was advised that there was in fact an overage of funds in the ATM but due to it not matching my specific recalled amount my claim was going to be denied. On or about XXXX XXXX, 2016 I received formal notice that my claim was in fact denied. I reached out to XXXX XXXX on XX/XX/XXXX and was advised by her that the claim was denied due to a lack of a specific amount in the report. I am unsure of how this happen as when the claim was discussed on XX/XX/XXXX we specifically stated it was {$1100.00} that the machine consumed. At this time I was advised by XXXX that she would resubmit a claim with the specific amount and see what happens. When I asked about the camera 's I was told the last who reviews them is on vacation and we could not view them until she was back in the office. On XX/XX/XXXX I followed up with XXXX XXXX to get a status update and was told they were still " looking into this. '' I have still not received any credit to my account for the consumed dollars by the ATM. On XX/XX/XXXX I followed up in person at the XXXX with no resolution still. Just a reassurance that they are " looking into it still. '' I was under the impression that TD submitted another request based on the specific amount but received an email on XX/XX/XXXX stating they needed the specific amount. Again this was provided at this time. XX/XX/XXXX still no contact from TD proactively. I followed up again and have received no response from TD with any resolution to this claim. The XXXX has been CC 'd on all emails and I have received no feedback from her on this matter. 
On XX/XX/XXXX during a branch visit we requested info on the claim and were told that we were not through another XXXX day waiting period and the only thing we could do is wait. Still not credit to my account for the funds. At this time we advised they have a likely XXXX violation and the we would be filing a CFPB claim and we were asked what is the CFPB.
This account XXXX was charge-off status on my credit reports that I have no knowledge of. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a balance of ( {$770.00} ), and charged offXX/XX/XXXX The account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX XXXX. I didn't received a notice from Portfolio. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on several occasions asking for VALIDATION, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information. On my credit report Portfolio re-aged the debt showing the account was opened on a different date. This is not my debt with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. I've even disputed it with All credit bureaus and they all state that debt is verified not VALIDATED from the furnisher on record.
On the nigh of XXXX/XXXX/2016 to XXXX/XXXX/2016 it appeared that Suntrust reorganized my transactions to create more overdraft fees that there should have been had they be posted in the order received.
In XXXX XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XXXX XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XXXX XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XXXX XXXX and still found XXXX XXXX  reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XXXX XXXX XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help
I filed a complaint with the CFPB on XX/XX/2018 ( complaint number XXXX ). The issue was involving 2 fraudulent charges on the credit card statement - one for {$120.00} which Citi cleared up immediately after receiving the CFPB complaint, the other was for {$1700.00} which still has not been resolved and cleared from our account. After several calls back and forth over a 6 week period into late-XX/XX/XXXX, Citi claimed that the charge occurred too far in the past for them to issue a credit and had us, the consumers, deal directly with the merchant. 

This is not how it works at any other bank ( I know from first-hand industry experience working for a bank that issues credit cards ). Citi should have recognized the fraud loss and charged down the balance on our credit card ( not the same as with general credit related losses ) and then attempted to recover the losses by going to the merchant themselves. This is why they have a massive recovery and collections department. 

I have never seen an instance where a fraud charge was considered " too old '' to be able to rectify the issue so I am highly skeptical of Citi 's explanation of why we needed to go directly to the merchant. Even the merchant could not believe that Citi would have the cardholder contact them ( see the attached email chain ). 

This whole experience was a nightmare trying to get the merchant to even respond to us without giving us the " run-around '' and Citi just made it worse by deviating from common industry protocol.
Requested payment extension to make my payment, Wells Fargo granted the extensions but they were reported to The three credit Bureaus XXXX, XXXX, XXXX the payments were delinquent even though the payment deferment were requested prior to the payments being delinquent. Wells Fargo customer service gives misleading information, they give you verbal information and later they recant the conversation stating they never provided the information. They are unethical and not consistent or transparent with their conversation with the customer. I received mail stating the deferment has been granted but few days laterI received correspondence by mail they were going to repo the vehicle. Wells Fargo is very unethical. Please remove late charges from the account for the incorrect handling of the account. 

See Attachments
O n  XX/XX/XXXX  I w ent to  Capital one.com I a pplied for a credit card. I had to send them additional documents to verify my ident ity three weeks later they approve my application a few days after that they closed my account because they said I use someone  else 's promotional code which I never did.
Yet again, this company has popped up on my credit report! I am a victim of identity theft and all three CRAs have this listed on my report. XXXX has added yet another fraudulent trade to my file entitled " VIP CASH '' I never had any contract with XXXX or this so called VIP CASH company. I never received any VALIDATION paperwork to my address that shows my signature on any contract. This fraud trade needs to be removed ASAP. And XXXX needs to stop infringing on my rights as covered under the FCRA!! I will pursue legal action if this is not removed
I CONTACTED SECOND ROUND AROUND XX/XX/2017 AFTER DOING MORTAGE LOAN IBQUIRY. I WAS TOLD SECOND ROUND PURCHASED ACCT. AND POSTED ON MY CREDIT RRPORT AGAIN LATE PYMT TO XX/XX/XXXX/XXXX XXXX DC. 
1. I NEVER RECEIVED LETTER PURCHASED OF ACCT HAPPENED, WHiCH COMPLIANCE DEPT CONFIRMED AT SECOND ROUND. 
2. CUSTOMER SERVICE XXXX TOLD ME XXXX NEVER TOLD THEM ACCT WAS IN BANKRUPTCY AND I HAD A LAWYER. SECOND ROUND REFUSED TO TAKE THEMSELVES OFF MY CREDIT REPORT. 
I NEVER PAID {$20.00} IN AGREEMENT WITH XXXX  XXXX XXXX. ACCT IN XXXX STATUS. ASK THEM TO PROVE IT WAS MY BANK XXXX THAT PAID. SECOND ROUND JUST KEPT TELLING I PAID AND STOPPED PAYING AGAIN. DID WANT TO INVESTIGATE. TGEY WAS N'T INFORMED WHEN PURCHASE AACT. I WAS IN XXXX STATUS AND HAD LAWYER WHICH XXXX ALREADY KNEW. 
PLEASE TAKE SECOND ROUND OFF MY CREDIT REPORT.
Made a purchase on my Best Buy credit card ( Citibank ) a little over 2 years ago that was approx. {$1000.00}. Have made regular on-time payments to date. I am a regular Best Buy customer so I periodically make small purchases for office needs and put on same card. The {$1000.00} ( 2-years ago ) purchase should have been paid off long ago. However, I was just notified I am being charged $ 700+ ( 29.9 % ) interest on that particular purchase because it had not been paid off. When I inquired where had all my payments been going for the past 2 years, I discovered they had been applying them to my ongoing purchases instead of the large purchase from 2 years ago. I now have a {$700.00} interest penalty on a {$1000.00} purchase. 
I thought the new credit laws were enacted to protect the consumer? This is not only completely unethical, but discourages customers to continue doing business with a retailer after a promotional purchase. 
I want my payments to apply to my promotional purchases first, or oldest purchase, not to ones with highest interest rate, such as current purchases.
I advised the original collector at XXXX XXXX that this was a fraudulent charge either in XX/XX/XXXX I also disputed this as fraudulent activity through all three credit bureaus as well as my bank the original debtor ( XXXX XXXX   ) the brought paper ( Hunter Warfield ) I have had my consumers rights violated and ignored on repeat. I have never lived at this apartment or done business with said apartment yet they are continually violating my rights, they have not removed it, provided ANY PROOF of debt, nor attempted to rectify. I have been denied housing, had rights violated, and ignored.an I have yet again been ignored and harased for a debt that is not mines.
Bank America Business Card is allegng i owe them monies, however their unable to tell me how much i owe, or what was charged.
I 've been with Wells Fargo XXXX XXXX California since its 2010. There 's always been issues with my account money missing. I spoke to somebody and they had excuses for different type of fees that I did n't understand. Now it makes sense I am outraged and disappointed have a good take advantage of a single mother of XXXX kids my daughter overcoming XXXX and I 'm on a strict budget.
Please refer to my complaint ( XXXX ) on XX/XX/2017 against XXXX XXXX. Spoke to XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX   CST. Have the entire recorded conversation and could share with you. 

Previous complaint XXXX My tenant sent me the rent via ACH using his XXXX XXXX account using XXXX. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX   checking account. But then XXXX asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. When i did that - i come to know that XXXX is only mobile based app - it's not something that can be done via computer browser ... it's strict no no for me. Worst thing - it cancelled my XXXX profile and cancelled my incoming transfer. Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform? 2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers? 3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. This is plain simple ridiculous. Customer service seems to be operating from XXXX and doesn't even know how to deal with customers in this kind of situation. They are taking customers for granted. 
============================================================= Till now this issue is going on. 
My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, XXXX XXXX and XXXX-XXXX is taking the accountability and responsibility ). 

I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. 
XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. 

Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. 
It's very dangerous and chaotic. 
Worst wait time on the support is too much ...