WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted a previous complaint through the CFPB regarding Navient 's processing of my grace period. That was collected under complaint # XXXX. In short summary, I withdrew from XXXX  school on XX/XX/XXXX and returned to school on XX/XX/XXXX. This process used all of my grace period for loans issued prior to XX/XX/XXXX. However, on returning to school Navient forced me into deferment despite multiple repeated requests that I made to enter into repayment under an income based repayment program. Navient will hide behind some incorrect interpretation of documentation that they received from my school but for months I would call Navient, talk with their representatives and would attempt to remove my grace period and enroll in an IBR and would be told that the process would begin next month. This process repeated itself for months before I was ever told that Navient had incorrect information about my enrollment dates at school. This blatant error on their part cost me thousands of dollars in accrued interest on my loans. Additionally, this increased the amount of interest that capitalized on my principal when I finally would be let into the IBR repayment program. 
Following the issue of my previous complaint the company quickly entered me into the appropriate repayment which occurred on XX/XX/XXXX. On XX/XX/XXXX despite multiple months of payment in the REPAYE income based repayment program and repeated requests now that I remain in repayment Navient removed my loans from the REPAY IBR program and again placed me into grace period on those loans. According to documentation that I have received from Navient this has occured because I graduated from medical school this summer. Navient has specifically stated in their response to my previous complaint ( #  XXXX ) that they are aware that I have used up my grace period on my loans. They have illegally placed me back into grace period as my loans have no grace period left. I have not realized this occurred until now as Navient, despite entering me back into grace period and removing me from the REPAYE program, has continued to happily receive my autopayments. This illegal activity from Navient will end up costing me more than a XXXX dollars in lost interest subsidy from the REPAYE program and missing out on the 0.25 % interest subsidy from autodraft payments while on a repayment program.
In XX/XX/XXXX I had charged {$140.00} on my Citicard account as a payment of XXXX XXXX service online. My Citicard had been inactive for 5+ years before that. Hence I forgot about the bill because I was mainly using my XXXX card. I never received any billing statement from Citicard in the mail either up until I received a letter on XX/XX/XXXX ( 6 months after my bill ) stating that I had a balance on my account. I called Citibank immediately anxious that the charge could be a fraud ( I could not remember my bill to XXXX whatsoever after 6 months without being reminded about it previously ). The agent who was assisting me over the phone clarified to me that there was a {$140.00} charge to XXXX since XX/XX/XXXX. I did remember it eventually and paid my bill over the phone the same day. Wish Citibank would have sent me a notice in the mail when I was 60 days past due instead of waiting for 6 months! I would have paid my bill then and avoided the extra late payment fees. They had charged me more than {$100.00} as late payment fees which I refused to pay. I agreed to take responsibility of two months late payment fees but they refused to accomodate me. They refused to take any responsibility of not having sent me any statement or prior notice. They kept repeating that according to their records I had asigned to paprerless statement. I made several attempts to make them understand, including one of their managers that I was not using the email account that they were sending those statements to for so many years!! After all this card had been inactive before and after XX/XX/XXXX. They have caused me tremendous stress and frustration. After I have already paid my main bill my late fee charges have added up to {$310.00} as of XX/XX/XXXX. This is affecting my credit report which is not fair because I pay all my bills on time and much more than the minimum payment due. I disputed the late payments with XXXX. XXXX was not able to help me. Instead I received another letter from Citibank recently offering me a settlement of {$280.00} vs {$310.00}. This is a joke! I called them again. I went over the whole story again with another of their managers. I suggested to pay late fees of 2-3 months right then if they agreed. The manager refused to accomodate me once again and kept repeating the same exact things that the others were saying in XX/XX/XXXX like a broken record ... ... They failed to contact me the best possible way while they could which would be through mail. This whole situation could have been prevented. Instead they kept adding late payment fees towards my unpaid late fees which is causing a considerable damage to my credit report. I do n't think this is fair.
XXXX   XXXX   XXXX   who identified himself as the Legal Assistant with  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  . LPA sent a e-mail to prosecutortaxenty, which is the e-mail of   XXXX   ,   XXXX   , Assistant Prosecuting Attorney of the Civil Division-Tax Unit.
This e-mail was sent on Tuesday,   XXXX   XXXX   XXXX   at   XXXX   XXXX   Within the body of the e-mail it stated the following ; Third Federal S & L vs.   XXXX   XXXX   XXXX   et al Case No.   XXXX   Our File :   XXXX   Good morning Please see the attached proposed Judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry, please provide either your approval or charges Thank You At the bottom of the e-mail it has   XXXX   XXXX   XXXX   Legal Assistant  XXXX ,  XXXX ,  XXXX ,  XXXX  , &   XXXX   XXXX  , LPA  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX , OH  XXXX    XXXX   XXXX   XXXX   XXXX   ext  XXXX   XXXX  THIS MESSAGE IS FROM A DEBT COLLECTOR ATTEMPING TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BU UWS FOR THAT PURPOSE I need all of the following questions answer to determine whether this judgment order ( which is another form of a attempt to collect a debt ) is justified, 1. I was never given the opportunity to read this file titled Our File :  XXXX  please explain in detail what information is in this file?
2. Please send me a copy of all information in the file and any documentation associated with the file 3. Is the Judgment Entry that is confirming the sale for Ms. Jin to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either Third Federal,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , or   XXXX   XXXX  . Who provided you with the information that is contained in the attached titled  XXXX  CE.doc and/or the information within the e-mail identified as Our File :   XXXX
I received an email from Bank of America notifying me that my credit card information has been compromised. They alerted me that a new card was in the mail. I then received a call from Bank of America 's fraud protection department. I asked which store or vendor had compromised my account information. They informed me that they can not tell me this information due to an on-going investigation. They then informed me that even after the investigation, I would not be able to find out who or which vendor compromised my credit card information. This information secrecy is atrocious and unacceptable. Consumers should have the right to know which companies are protecting their consumer data and which companies are not. Consumers should have the right to chose which vendors we do business with based on their ability to protect our security.
I, XXXX XXXX disputed a debt that I do not owe. The credit bureaus continued to report this false information. They contend that the debt is verified while I sent and received a letter from the debt collector that they can not find any account i their office.
Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX  for several credit cards. This program was completed successfully by me in XX/XX/XXXX.

My consumer report displays delinquent account data for only one creditor ( Barclays ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only Barclays.

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with Barclay several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time.

I personally contacted Barclays to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions.

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for Barclays, which has absolutely devastated my credit reports, and caused me severe financial harm.

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
American Express are liars and extremly rude. They think they are above all credit cards. I have been trying to work out a deal for months and they refuse to make this horrible situation any easier for their customers. They hang up on you if you get upset or angry and they continue to raise your interest if you dont make a payment. Yet they wont work out a deal until you miss XXXX payments. Then the minium payment goes up and they report to credit services and destroy your credit. They give you the wrong advice for how to handle your finances and not to mention the hold times for even reaching a customer service rep. If you have any debt with american express do everything you can to close your card or you wont ever be able to fix your credit score. They will do everything they can to charge you fees and insane intrest rates. Worst company ever! Wasted so much time and energy. Every rep tells you something different and they are all just liars.
debt collection by phone and now by mail. I have repeatedly explained to the caller I am not the person and do not know the person w/ the name similar to mine. They keep calling daily and now letters are being received. States It is a student loan debt from XXXX University.
Wells fargo has been fraudulently debiting my business account for $ XXXX since 2012 for a service that was never authorized. I contacted them about a year or two a go and they told me that they will remove it. I believed them and i moved on. I recently realized that there still fraudulently debiting my account for the {$10.00} fee called - XXXX XXXX monthly that i have no idea where it came from. I contacted wells Fargo again and this time i demanded that they investigate the charges and stop charging my account. They completed their investigation and confirmed the charges were never authorized and therefore fraudulent. I asked that they refund the $ XXXX they have taken from my account since 2012 and they said no they can only refund me {$120.00} for 12 months.
On XX/XX/XXXX I was notified that there was a fraudulent charge on my account. I immediately called my bank ( USAA ) and told them this charge was not mine. It was for XXXX XXXX Live tickets in XXXX for over {$1100.00}. When I called them they assured me that it would be taken care of. A few days later they credit my account for the fraudulent amount. On XX/XX/XXXX I was sent an email saying fraud claim denied and that they would be taking that amount back out of my bank. They attached a document, which they call evidence. They say to contact the merchant in XXXX to figure this out or call usaa number. The document showed that the customer, XXXX XXXX, from XXXX XXXX, CT is the purchaser with my card. I do n't know a XXXX XXXX. After some research he is a XXXX year old man. He is not an authorized user, the zip code doesnt match, I did not authorize this. I called USAA and this is where the trouble really starts. After almost 20 calls I keep getting passed to their executive resolution team who says they cant see anything. They tell me they re submit to fraud and to wait another 90 days. I call again after 90 days and explain. Then I get passed to fraud claims. Then back to Executive resolutions who promises to give me a call back within 24 hours. No calls returned. Never spoke to anyone that is actually helping me. They all appologize and say they can do nothing. Today XX/XX/XXXX I called and they are saying that since it 's over 120 days old that there is nothing to do and they have to follow policy. I can never get help and no one will escalate this to someone who can actually help. Now USAA is saying they are closing my account because I havent put in money in it during a certain amount of time. Im not going to put money in my account in fear of my money being taken and stuck in this endless loop with USAA. Furthermore the last person I spoke to said that it was in " charge off '' status but couldnt explain what it was. It sounds like USAA is preparing to put this on my credit.
This so-called company is attempting to collect money from me from a company I've never in my life used.There is no debt, this is a scam.
I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER Capital One is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by XXXX XXXX XXXX a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX not hold me responsible for a debt I did not incur. Thank You.
I deposit three authentic USPS money orders through the USAA banking app ( which USAA claims to support money order deposit ) on XXXX XXXX and XXXX XXXX. The app shows these money orders are available immediately. So I used the balance to schedule my credit card payment the next day. However, after 3 days, all of the money orders become " on hold '' while the USPS money order system shows the bank already cashed these checks. Now the USAA bank tells me all of the money orders were returned when the USPS money order system shows USAA cashed them. This will cause a big problem because my credit card accounts will charge me return check fees. In addition, the USAA bank says it is shutting my account because of the return check when in fact they cashed it. I have uploaded the picture of money order with the serial numbers which can be verified through USPS money order system to be genuine. Now I can not deposit the money orders elsewhere because USAA has cashed it, but also I can not get access to the fund in my account because USAA claims the checks are returned.
This is the email I sent to Sallie Mae complaining about their unfair practice : To : XXXX Good afternoon. 
Your agency took all of our tax return, a total sum of {$2000.00}, to cover for what you claim I owe in student loans ; which I have fought through letters and proving I was not liable for this payment. I truly disregard this dirty practice and request the reimbursement of my wife 's and I tax return. I do not appreciate your negligence and unfair practice to collect money I do not owe to your agency. 

I appreciate your attention to this matter. 

XXXX Trace Num : XXXX
Please see that Equifax has merged some old information to my credit report. I have attached to XXXX credit reports. The XXXX from XXXX is the correct report and the XXXX from XXXX is incorrect. Now, they from XXXX has my name listed as " XXXX XXXX XXXX '', which is correct and on " ALL '' my reports from Equifax come with that name displayed. 
The report you see on XXXX has " XXXX XXXX XXXX '' and the many negative accounts have been added to that process. Equifax has totally destroyed my credit profile by account XXXX negative account, changing payments history, modification of inquires and revolving credit line. This was brought to my attention because an alerted popped up stating Equifax has a new address for me and I have not moved ... That 's when I saw the chaonges of the name and credit report. 

Please " see the latest letter from Equifax attached with the name XXXX XXXX XXXX '' and not " XXXX XXXX XXXX ... '' I DEMAND EQUIFAX RESOLVE THIS ISSUE ASAP OR A LAW SUIT WILL FILED! As I proivded the proof and found the problem with the report. My file should look as it was on XXXX. 

Please take more then 5 mins to view this information and you see the problem. Reference CFPB # XXXX.
I have been a victim of Identity theft since XX/XX/XXXX. I have sent police reports and letters to all the Credit Agencies ( XXXX, XXXX, and Equifax ). All credit bureaus have remove fraud information from my credit except for Equifax. I have filled over XXXX different disputes in the pass couple month trying to get my credit fixed so I can get my life back. I dont have a simple checking account to this day. Because Identity theft has left my name and credit torn to shreds and it sickening having to deal with a Credit Bureau who are not will to help when they have all the supporting document they need to remove this fraudulent infomation. Please help me. I dont know what else to do. Equifax disputes in the past couples month ( XXXX ). That is fraudulent information needs be removed ASAP and their company needs stop allowing fraud info to be added to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XXXX XXXX/XXXX/XXXX Monthly Date Closed {$1300.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes *Department of Treasury ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Date of {$670.00} XXXX/XXXX/XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX XXXX ) XXXX Date Reported XXXX XXXX/XXXX/XXXX {$650.00} XXXX XXXX {$650.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Open ; Type of Loan Deposit Related ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes Thank you, XXXX XXXX
I have sent letters to the credit bureaus to investigate these accounts I do not recognize and I have not received any responses from the credit bureaus or the creditors.
This Collection agency XXXX XXXX XXXX XXXX has failed to provide proper verification of the account they brought from XXXX XXXX XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX XXXX XXXX matter the original creditor have the same account number as the collection agency. XXXX and XXXX XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX, and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
On XX/XX/XXXX I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to XXXX ( XXXX ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/XXXX per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/XXXX I have not received any response from XXXX, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e XXXX and credit bureau ( s ).