WillisBack/dataset-financial-user-claim huggingface dataset:
When I returned to school to earn my XXXX, I called XXXX ( now Navient ) to lower my payments. They recommended in school deferment, which I accepted. After XXXX years, my repayment amount had increased by thousands. I was n't made aware at the time that there were other ways to reduce my payments without incurring so much interest. 

In addition, when I got married my bank account information changed. I used to have XXXX monthly payments that debited from my savings account. With the joint account, Navient started charging each loan payment separately, over using my savings account and prompting bank fees. I tried for several months get service assistance to switch me back to XXXX payments. Each time I called, I waited over XXXX minutes to reach a human being. When I finally did, it took XXXX different calls with different people to actually make change and get it to stick. I 'm down to XXXX payments rather than XXXX, nobody can explain to me why they ca n't condense the last XXXX payments into XXXX, and I 've given up. 

Having such awful response time and customer service seems to be how Navient does business. They waste customers ' time and wear us out until we 're willing to tolerate only the minimum of assistance. 

I had my XXXX loans serviced by XXXX and they were AWESOME! Helped me through the process of applying for XXXX even though it meant those loans going to XXXX. I 've tried to get Navient to similarly assist me in rolling over my consolidated federal loans, but the XXXX day I had time to wait XXXX minutes for a person, they seemed to have no idea what XXXX was, much less how to get my loan into the program. 

If I thought I could give all of my remaining loans to XXXX I would, but nobody seems to know how to make that happen or how much it would cost or what my rate would be. I 'm scared of losing the ground I 've gained, but I 'm also spending the bulk of my income on loan repayment. Help please.
So I have tried and tried and done so year after year. I did not sign or even apply for a Federal Student Loan. I still think the School that I so called attended had something to do with this by taking advantage of me I feel the school Falsely certified my eligibility to receive the loan based on my ability to benefit from its training, I also feel the school signed my name on the application or promissory note without my authorization, or the school endorsed my loan check or signed your authorization for electronic funds transfer without your knowledge. 

After finding out I was an apparent student I withdraw from school after learning a so called loan had been opened in my name, I also think the school should be required to return part or all of this loan money.
There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status.
I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.
I receive, at minimum, 2 to 3 calls from this company on a DAILY basis. This has been on-going since 2015. The calls always come from a different number each time, but they leave a pre-recorded message on my voicemail. The voicemail always states that I need to call them back immediately to discuss a " bad check '' that was " passed through their office ''. The only checks I write are to my rental office for my rent each month and to my child 's school for various field trips and events. NONE of these checks have ever been returned. 
I have tried to call back the number that shows on my caller ID, only to get a busy signal or a " the party you are trying to reach is unavailable '' message. I have also tried to call the XXXX # they leave on the voicemails and have been rewarded with a very stressful conversation from an " agent '' who keeps asking for personal information ( ssn, phone number, address, etc. ) and refusing to give me any information pertaining to the " debt '' I supposedly owe. They have also threatened, multiple times, to serve me with legal papers at my residence. Several times they have stated that they have already attempted to serve me with papers, having strange people call me claiming to be " process servers ''. Each time I have spoken to one of these " process servers '' they have verified my address. I have stayed home on those days only to have no one show up. Never once have I received any type of mail correspondence at my residence from this company and I have lived there for over 5 years. 
I have requested numerous times that they stop calling me, only to be met with a " we have the right to call you if you owe us money '' type of reasoning. 1 or 2 times a week would be acceptable, but they call DAILY. I consider this harrassment.
My wife, XXXX, and I started to see discrepancies in our statements that did not match up with any normal late fee charges. On our XXXX/XXXX/XXXX statement from DiTech it showed a charge ( XXXX ) added. When we contacted XXXX @ Ditech on XXXX, we were told that they did not receive any payments for XX/XX/XXXX The statements show that the payments we were making were going into a " Misapp Rev '' account. XXXX saw a problem and stated that she would send the account for review to have it corrected. We continued to receive statements with more collection messages threatening to foreclosure on our home. In XXXX, there were XXXX XXXX in the family and in XXXX my wife contacted DiTech to ask for an extension. They refused because they told her they did not help with that because we had a XXXX XXXX XXXX loan. So, this year we have made some late payments but every month was paid in the end. We show that we are paid in full at this time and are getting ready to pay XXXX 's payment. On XXXX we contacted XXXX again and were told that an audit was done in XXXX XXXX and payments were found from XXXX XXXX that were kicked back. No information would be given on where they went. Further review shows that payments we made to the prior mortgage company ( XXXX ) were on Ditech 's page and {$3700.00} payment was not one we made ( from XXXX transfer? ) A payment we show from XXXX XXXX is not credited to our account as well. It looks like DiTech took the difference in these amounts and reallocated somewhere and now are saying we owe and are in default of our loan. We agree that payments have been late BUT every payment was made from XXXX XXXX present when XXXX transferred the loan to DiTech XXXX We do not understand why we are being told to go to our bank and collect the last 2 years of statements to prove we made a {$2400.00} payment when that is not an amount we would have ever paid. It seems as if DiTech made a numerical error when the loan transferred and they are now making us responsible for paying for it. Is n't it their job to SERVICE the mortgage and not take advantage of homeowners? Any help you can provide in assisting with this matter would be GREATLY appreciated. We will be in contact with a lawyer to go over the details because we no longer feel safe in providing additional information to DiTech for them to attempt to use it against us.
I 've disputed the account sent supporting documentation along with dispute. The dispute took over 30 days ... ... the first results an email was sent to me notifying me that there 's a status was unable to get results. Tried calling could never get a live person an automated told me to check online. After a few months checked online to see 2 no dispute completed but no results. After calling 2 weeks I finally called the PRODUCT/sales line and got someone who at first tried to SOLVE my issue by giving another number to call after arguing with her she was able to get a live dispute person. When I spoke to her her tone was short with me but I expected this as I was arguing with the comworker. I was told although you sent supporting documentation it was forwarded to the collection agency and they " verified '' it accurate. When I asked about how they verified I was told the collection agency does it as they are the ones reporting. I 'm not understanding how the same agency reporting the error can also be the same verifying the error as if they will say we made a mistake or committed fraud as they knowingly reported false information.
I have been told since XX/XX/2018 that a collections debt on my XXXX  credit report would be removed and that it would take 30 days. Now 90 days later is remains on my XXXX report. I WANT IT REMOVED TODAY! I have talked with a manager with Credit World and still this is not resolved.
I 've attempted to freeze my credit record as recommended due to the recent Equifax data breach. 

I 've attempted by phone : By phone : XXXX ( NY residents please call XXXX ) and I 've attempted by website : https : //www.freeze.equifax.com Both avenues proceeded to collect all require data and after having gone through the process, attempt to submit and fail submission of the data. Why they collect data and then fail as opposed to informing others that their system is DOWN is beyond annoying and wasting time. 

Both processes suggest to 'try again later ' which I have and both failed on second attempts after once again going through the process of collecting data.
We signed up for XXXX XXXX because it was a XXXX XXXX. Our son is XXXX, and it was important for us to have a nurturing environment. What we received was anything but. Teachers were unresponsive, and uncaring about the situation. We paid {$2100.00} and after they refused to address our concerns we stopped paying. XXXX in turn locked him out of classes. When they finally responded, they offered for us to pay for extensions so he could finish classes, and then if he could not finish, to pay another {$3000.00} to take the classes all over again. That was their solution. We of course refused. They in turned cancelled our account and when I pulled up my credit report a year later, they had hired a collection agency and put a {$1500.00} charge off on my credit report. When I pulled up my wife 's credit report, they had put it on her credit as well. She had nothing to do with XXXX, never signed anything, never spoke to them at all. When I contacted XXXX XXXX at XXXX multiple times he simply never responded.He did n't even respond. When I started complaining on social media last week, only then did they respond. They said they removed everything from wife 's credit long ago, that was a lie They then refused to discuss the matter, DIversified Recovery services refused to take it off our credit for 2 years, same with XXXX. We have been denied loans, seen our interest rates go up. Etc.. They only now said they would take it off. XXXX and XXXX are the Accreditation people who allowed this to happen. When informed they did nothing.
XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit ( my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from XXXX XXXX, XXXX.
I currently have a private loan serviced by AES which was suppose sold XXXX, I fell behind on my payments the last payment made was XXXX 2015. I recently received a statement from the company asking for payment due by XXXX XXXX, 2015 called to make arrangements and the customer rep told it was sold to XXXX and now is in default. I never received any information about the loan going into default.
On XX/XX/XXXX I logged in to check my credit reports on XXXX XXXX  and found that on my XXXX  report there is a collection item that says was opened XX/XX/XXXX in the amount of {$140.00} dollars that I do not owe this company called Credence Resource Management.I have never opened an account with this company and have never received any bills or letters from this company that I've never heard of in XXXX, Michigan. I do not owe these people anything and I am requesting that this company removes this negative item from my any credit bureaus that they have reported to. My score has dropped 66 points because of this item that this company says I owe them! I have never had any business dealings with them and request that this is removed immediately!
Transunion allowed XXXX credit inquiries from various and same car loan companies to obtain information on my credit report without my permission. I have requested XXXX to remove these inquiries and they have failed to respond or remove the inquiries. Its illegal to obtain a persons credit report without their permission XXXX inquiries.
The debit thats reporting on my credit report I noticed I called and I was told I can pay the debt by the company set up payments. Days later I was told due to state laws and regulations a payment cant be accepted after I was told I can pay debt. Also I was told by the company they was working to get this account removed and so on and its been two years still hasnt been closed out.
I took a loan out with this company I got in a financial situation and was n't able to repay in a timely manner. they started calling my phone several times a day. they were also calling family members ( how they got there numbers I do n't know ). this loan is from abo ut one -one h alf yrs ago, not sure of orginal date. but they are now telling me that they are going to issue and arrest warrant if I do n't pay the amount of {$1700.00}. I offered to pay some back when they contacted me the first time but they said it had to be paid in full or they would take illegal action and contact my employer. I really would have liked to have taken care of this but they did n't want to help settle this in a way that I could financially accomidated both them and me.
Five year ago, during my financial struggles, I was found to be deemed eligible for HAMP program through Bank of America. My home loan was modified and I received all of the benefits and protections available to me during that 5 year time period. Customer Service was first class during the 5 year eligibility and no one could touch my account outside of my assigned account manager. Well let 's fast-forward 5 years, my eligibility period has ended, no assigned account manager and ALL protections have ended ... Bank of America attacks like pitbulls. XX/XX/XXXX, I call several times disputing with BOA over PMI that I wanted removed immediately from my account. I received push back. I advised them of my rights as a consumer and threatened to report them, so the removed the PMI reluctantly. In XX/XX/XXXX, I am informed by BOA that my escrow will increase by {$150.00} because of an " anticipated '' shortfall. I called and email pleading my case. Customer service was horrific and rude! I requested a manager perform a new analysis of my account, because I would NOT be able to handle the increase. I never received the new analysis or a return call. So, I go with the program, I find myself in a state of XXXX thinking, I can't go against this banking bully or giant. XX/XX/XXXX rolls around, I find there to be a {$500.00} dollar overage in my escrow so I email and call requesting my funds be reimbursed. Feeling bullied and threatened, BOA denied my request. I was irate. For 5 years, I was treated like Royalty under the HAMP program, now you are treating me like trash. My mortgage was being paid timely. There was no late payments. I was doing EVERYTHING right, but I the consumer was being treated like a second class citizen. XX/XX/XXXX, I go to make my mortgage payment online. My mortgage has increased by {$55.00}. I was NOT notified! Reviewing my statement online, the have once again INCREASED my escrow amount. Their methods and reasons are unethical, illegal and unfounded. They had just performed an analysis 6 months prior. There was an overage going into XX/XX/XXXX. There should NOT be any PMI on my account. What is the justification for the increase? I was NEVER informed! I paid the requested amount, ONLY to prevent late payments. I am requesting that BOA unethical practices be fully investigated and exposed! I am requesting my overage be reimbursed. I am requesting that the escrow increase be removed from my account dating back to XX/XX/XXXX.
I reapplied for a loan modification in late XXXX and sent all the documents in on XX/XX/XXXX and followed up two days later to make sure they were received, also l called during the month of XXXX to make sure nothing else was needed on the file and i faxed what was requested but towards the week of thanksgiving the customer service rep assigned to the account was out the office so i called and spoke to someone else but was told i could only leave a message, after the holiday i got a email requesting more documents so i faxed those documents on XX/XX/XXXX and again on XX/XX/XXXX, and called to follow up again on them and left messages and emails with the assigned rep but did n't get a reply until two weeks later stating that she did n't get the faxed so i re faxed them again so after all of these things they tell me today my file has been denied, when the fact is that i sent the documents in a whole month ago and they wait until now to tell me they did n't get my documents which an excuse when i called and emailed several times on the status of the file this whole thing is wrong!!
On XXXX/XXXX/XXXX an inquiry on my Equifax shows for XXXX XXXX XXXX XXXX XXXX. I disputed this item with Equifax and was told to contact the creditor. I sent letter to creditor 's address and letter was returned unopened from USPS with yellow sticker indicating that this was a bogus address. I sent the letter to Equifax with explanation asking them to remove inquiry that it was fraudulent. They sent back a request that I contact the creditor. I called XXXX and spoke to XXXX, her supervisor, then XXXX, then XXXX, then finally supervisor, XXXX who said I needed to file complaint with FTC. 
SUMMARY : Inquiry on Equifax dated XXXX/XXXX/XXXX Confirmation # XXXX can not be removed by Equifax , nor can they help me to get in touch with whosoever filed it for XXXX XXXX. 

Please help.
I have spoken with JH PORTFOLIO EQUI ( Collection company ) on many occasions. On XXXX/XXXX/16 I spoke with XXXX and told her that I wanted a copy of signed agreement between me and XXXX XXXX XXXX. She stated " she does n't know if she will be able to get that but she would try ''. I also mailed an dispute letter, and her department received this letter on XXXX/XXXX/2016 and I have included that dispute letter within this complaint. I have also included a copy of receipt. It clearly states what I 'm requesting. I called XXXX/XXXX/2016 to check the status and I was transferred to XXXX again, who now was extremely rude because I wanted to see if she has gotten a chance to look at my dispute letter and if she was able to get signed application from original creditor and me so I can review. she stated that she has n't heard anything from XXXX XXXX XXXX and does n't have that document nor copy of my license. I asked for her extention # or employee # and she refused to give it or her managers information. On XXXX/XXXX/2016 I received a basic validation letter but nothing that I requested. I was clear, I stated that I want this information removed from all credit reporting agencies. How can they validate this debt without having at minimum, a signed agreement between me and XXXX XXXX XXXX. Also, according to statement sent by JH PORTFOLIO from XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX but according to JH PORTFOLIO its XXXX XXXX XXXX XXXX. I have included supporting documentation.
Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment.
<P/>
I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due.
<P/>
Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
<P/>
Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
<P/>
Kindly assist me in doing this and advise me as to what I should do next.
I believe this lender is discriminating on the basis of the source of my income as a government employee, and discriminating on the basis of having previously been a bankrupt borrower more than three years ago.