WillisBack/dataset-financial-user-claim huggingface dataset:
The following is a summary of my interactions with Navient, my private student loan lender : On XX/XX/XXXX the sum of {$1600.00} was automatically withdrawn from my account. As a graduate student working part time at a XXXX XXXX, this was an extremely large amount of money that brought my balance well below XXXX. When I contacted Navient, I was informed that I had exhausted all of my options for deferment or forbearance. I was not aware that there was a limit to the amount of deferments or forbearances available for private student loans. I asked to be put on a repayment plan. 

On XX/XX/XXXX, I spoke with a represenatative and a member of the management team. After several conversations they had with me, as well as my father and mother, reviewing details of our financial situation, they offered to put us on a repayment reduction plan with the repayment amount of {$810.00}. This was still an extremely high amount for me and my parents, who are both retired. But since they assured us that this amount was the lowest they could offer and since it was significantly lower than the full, original amount, we agreed. The contract was for a year, after which, our financial situation would be reviewed once again. We hoped that if we kept making payments for a year, without hassle, we would be rewarded with a chance to renew our contract with a lower monthly payment. At that time my parents had ample savings. 

However, early last year, around XXXX of XXXX, my uncle decided to sue my father over an inheritance dispute. This lawsuit has cost him nearly {$60000.00} - so far, since it is still on-going. The savings is being drained, nearly gone. They can not afford to help me with my student loans. 

On XX/XX/XXXX, I was given notice that my repayment reduction plan would expire in XXXX. I called Navient on XX/XX/XXXX and XXXX and asked for the plan to be extended. I had to provide details overviewing my financial situation. ( I am employed hourly, making an average of {$1000.00} a month, my rent and bills not including food or day-to-day expenses total about {$500.00} a month. ) So did my father, who explained his legal as well as financial situation. ( My father and mother have a combined income of roughly {$2000.00} from social security. ) At first, we were offerred a repayment of {$850.00}. After much protest, that amount was lowered to {$780.00}, starting in XXXX, but that was as low as they would go. I called again on XX/XX/XXXX to make sure but still the amount wouldn't budge. 

Furthermore, the amount of my total payment due listed on the home page of my online account fluctuates a great deal, sometimes as low as {$650.00}. However, since we agreed to the fixed payment amount of {$780.00} ( currently still {$810.00} ) that's the amount that gets withdrawn from my account each month, no matter what I owe. 

I don't understand why payments can't be lowered. We are willing to pay but we simply can't afford that much.
Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
After XXXX XXXX transferred my loan to Navient, WITHOUT MY PERMISSION, Navient has not allowed me to access my account. I 'm locked out and there is NO HUMAN CONTACT OPTION AVAILABLE BY PHONE! I can not unlock my account at all. 

Navient needs to return my loan to XXXX XXXX and be barred from XXXX Loans if they are not going to let people access their accounts. I did not give them permission to lock my account, making what they did a CRIMINAL HACK. 

Please get Navient out of the business and send my loan back to XXXX XXXX! 

If you do n't remove my account from Navient and send it back to XXXX XXXX, I have NO WAY to interact with them, meaning that ALL of my loans through them should be nullified completely. Heck, they should have been forgiven because I was a teacher in a at-risk, inner city school for more than a decade but that program excluded me because my loans were too old. 

PLEASE GET RID OF NAVIENT!
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone Number- XXXX Work- XXXX Dear Sir or Madam, I am writing to dispute the following in my file. I have circled the items I dispute on the attached copy of the report I received. 
This complaint is Pentagon Federal Credit Card late payment reporting of {$15.00} dollars not paid for XXXX. This credit card was paid in full in XXXX and then Pentagon automated system pulled the full payment again and I had a large credit amount of {$2100.00}. I then requested the credit card to reimburse me for the overpayment but to make sure all money due was paid so that next month my balance would be 0. I did not want to leave the auto pay on because they double pull the amounts sometimes like they did in XXXX. Please see XXXX statement for verification. 
I have enclosed the last four statements so you can see that the {$180.00} charge was paid in full back in XXXX. They also never updated my correct address and all statements went to wrong address. As my card expired in XXXX they sent a new card I never received to old address. This is after verbal conformation that XXXX their customer care representative changed the address to the correct one back in XXXX. 
I have also enclosed a letter with a recent date from XXXX XXXX stating the account is up to date. XXXX XXXX has denied my dispute with all three credit bureaus and will not change my account from late. Please investigate this as soon as possible as I am closing on a mortgage and this is gravely affecting us financially and my familys personal wellbeing. My score went from XXXX to XXXX in one day. This does not seem fair to someone who has never missed a credit card payment in his life, 47 years. Especially since I over paid the amount and XXXX XXXX credited the wrong amount back. With no statements to alert me or phone calls or emails and I am thinking this card has no balances. 
If something is not clear or you need more information please contact me. I am also inclined if this is not resolved in a timely manner in reporting this to my states attorney general office. 

I have enclosed the following : Recent Credit Report with circled item Pentagon Federal XXXX, XXXX, XXXX and XXXX Statements Letter from Pentagon Federal My Credit Score in XXXX. 


Sincerely, XXXX XXXX
I looked at my paid Experian subscription today and I notice that a closed collection account that was once posting a {$970.00} dollar balance currently shows {$3800.00} due and a 514 % credit utilization SUDDENLY. This account has been closed for years and is currently in dispute. I will include a copy of the letter upon which they have been sent. I recently paid off {$330.00} on my past due XXXX and I had an 11 % utilization yesterday. I need to get a new vehicle and other things and these erroneous and fraudulent reporting schemes used by these companies are making it very hard for me to get my life off of the ground. What on earth could I possibly have done to ever owe someone {$3800.00} when I have never even had a credit card that would give me that much money to get into that much debt with. Please do something about this non-sensical reporting.
I encounter fraudulent activity on my account ending in XXXX. Now they are threatening to close my account on XX/XX/2016. But I ca n't make a deposit nor do I have a bank card, and I do n't want to put money into an account they have n't fix yet. if its fraud, I would like for them to post my credits. 
My current balance is $ -XXXX with US BANK
I was contacted via telephone by a company claiming I took out a pay day loan for {$890.00} in 2011 which I did not. They then sent me a threatening email.
I was recently pre-approved for a car loan through one bank. I went to purchase the car on a Sunday and that particular bank was closed. Without my knowledge nor my consent the car dealership reached out to several banks to attempt to secure a car loan. This has since placed my credit status as poor. I would like each bank to be notified that I did not sign or verbally approve of these inquires and I wish for them to be removed from my report immediately. I will be contacting the dealerships main office to file a complaint against this particular dealership.
USAA has charged a significant amount of over drafts and returned item fees without providing any clear disclosure of how and why they are charged. 

USAA cut off access to USAA.com via a computer which is the only way to access accounts unless you use a mobile phone or go to a branch. There are no USAA branches in my area. 

I feel that this is unfair treatment.
I paid my account due on XX/XX/2016 and saw something on the website that said Toyota Financial gave a one-time forgiveness. I paid the overdue amount XXXX XXXX. I applied XXXX XXXX and was told that the policy was no longer being offered as of XXXX XXXX. I had never been late before. In fact, this was my second to last payment and now the car has been paid in full. I was reported as being 30 days late and my credit score was reduced by XXXX points. I think this is unfair as the forgiveness policy was active when the late payment occurred. I contacted Toyota Financial again and they refused to remove the late mark on my credit report.
Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( XXXX ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with XXXX response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.
On XX/XX/XXXX I initiated a credit freeze on my account. On XX/XX/XXXX a  credit card was issued by XXXX XXXX. I contacted them and advised that it was a fraudulent application and they cancelled the card. On XX/XX/XXXX an inquiry from XXXX Cardmember Services submitted an inquiry and contacted me because I have a 7 year fraud alert within my credit profile. Subsequent to that conversation I requested certain documentation regarding the inquiry and they informed me that they were able to obtain my credit information from Equifax. I have attempted to inquire as to why/how my credit information is being published when there has been a freeze on my account for 18 months. Each time I attempt to resolve this issue they tell me that the Credit Freeze Dept. can not help me because their systems are being updated and to call them back after 30 minutes. I waited 2 hours, called again, explained the entire saga to their personnel only to be told that I need to call back because their systems are being updated. 

I requested that Equifax call me back after their systems are updated so that I do not have to spend hours explaining my situation over and over, but was told that they " don't do that ''.
all fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.
I have several items on my credit reports that have been disputed with XXXX, XXXX, and Transunion. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the originalcreditor directly.Iam concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report.Irequested an investigation because Ifelt the items were not being reported legally.Ihave since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3.XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- # XXXX 10. XXXX- # XXXX 11. XXXX/XXXX ) XXXX- # XXXX
My auto loan is through Toyota Financial Services. I wanted to pay the loan off early so I called TFS and spoke to a representative. I had increased what I thought was the final payment to equal the loan balance. The interest was zero percent so there were no penalties. I was assured that what I had done was correct. That payment was debited out of my checking account on XX/XX/2018, leaving a loan balance of XXXX. On XX/XX/2018, TFS took another {$500.00} out of my account. I called immediately and was assured the payment would be reversed and the {$500.00} would be returned to my account. After several days, I called again since nothing had been done. Once again, I received the same assurances and was told my account should be credited by Friday, XX/XX/2018. As of this morning, NOTHING had been done. I called again and was told, after a long 'on hold ' that a {$500.00} check would be sent. I told the rep I did not want a check, I want it returned to my account. Since my account is closed, that can't be done, even though two previous reps assured me it's what would be done. I asked the rep what would have happened if I didn't have surplus funds in my checking account, and their mistake would have caused NSF items. I got no answer. I also asked for overnight mail service, but was told that wouldn't be happening. I am totally dissatisfied with every person I spoke with, and with TFS.
We are trying to pay off our mortgage loan. When asked for a payoff statement, the amount of principal remaining does not make sense based on our agreed to payments and the loan maturity date. The customer service reps on the phone could n't even look at the payment history that the company sent me by mail. In reviewing the payment history, it appears that some of my mortgage payments were n't applied or were misapplied to interest.
CapitalOne is the card issuer. I signed on to the card offer when the promotional APR was 0 %. I had used to card to transfer higher interest cards over to ease my payments. At the end of the promotional term, the rate jumped to 22.9 % even with my always On Time payments made at minimum amount but mostly with an amount over the minimum due.    Original Card Agreements s tated : ( APR ) fo r Purchases:0 % i ntroductory APR through you r  XXXX /2016  billing period. After that, your APR will be 12.9 %, 17.9 % or 22.9 %, based on your creditworthiness. This APR will vary with the market based on th e Prime Rate .     My rate is now 23.40 %  ( Current Prime Rate  - way to stick it to me! ) and accruing steadily - taking advantage of my hardship even when I phoned them directly after learning my job was going away. I had knowledge of company closing in  XXXX     2016. I W orked until end of  XXXX     2016. I mad e all payments even if just the minum oOn Time until the last 5 months. And now, the la st 4-5 mo nths Its over my head. I 've struggled to stay on top of payments and I have not yet landed gainful employment. I am optimistic I will in the next few weeks. Trying very hard to do so!
Boa has got to be the worse and most insensitive bank of all. They charge all these overdraft fees plus and extended fee. I have been with them for years and i also use direct deposit so why do they treat their customers like XXXX. I am a single mother and i cant afford to give any extra money to them.
I have an interest only loan and my interest has not changed in years. But my mortgage company keeps raising my PMI. I am also proper tax exempt in Michigan because I am a XXXX veteran.
XXXX XXXX has been calling me non stop for the past few weeks. Yesterday, XXXX XXXX they called me 15Times beginning at XXXX ... .the times were as follows XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... to which I told them to STOP harassing me and the gentleman told me I owed the debt therefore was not considered harassment, XXXX, to which I again said STOP and hung up. Mind you this was just yesterday. The day before they called me multiple times as well. Again beginning shortly after XXXX. Tuesday XX/XX/XXXX the called at : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, for a total of 14 Times. I am clearly on their auto dialer. I am dealing with a very sick husband and a son in critical condition at the hospital. I have told them this. I dont have the time, money or energy to deal with the unfair collection practices when I am trying to work full time and deal with family medical problems.
They repeatatively call out business, no one there when I answer, when we call them back to have reps remove our phone number, the reps refuse to remove our number from their list.
Experian deleted 100 XXXX XXXX inquiries that I didn't recognize and more than a few other. Can someone explain how they got there so that I can address this with the company involved ...
I am filing a complaint because XXXX, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you
I am an Amazon Store Card holder. This card is available for exclusive use on Amazon purchases only. Synchrony Bank is the financial institution that manages that credit line. The Amazon Store Card offers 5 % credit back to your monthly statements for qualifying purchases on Amazon. I was recently reviewing my statements and noted that I had not received a single 5 % credit on any statement in 2016. However, I did make qualifying purchases using the card. I called Synchrony Bank, and " they are looking into it, and will provide updates in XXXX billing cycles ''. I believe that they will make the appropriate corrections, but am concerned that many other consumers may, unknowingly, not be receiving their 5 % credit to their statements. It remains to be seen if they will correct my statements in a reasonable amount of time.
I took out an installment loan with at the time the company was named castlepayday.com / Red Rock Tribal Red Rock Tribal Lending, LLC d/b/a CastlePayday.com Customer Support support @ CastlePayDay.com XXXX for XXXX $ XX/XX/XXXX. I was unable to pay the first payment and then future payments ceased to go through my account with out a word from them. After a year passes I get a call from a mediator to collect XXXX $ and I attempt to pay the debt with them but they refuse to send me documentation first and say that the company has changed name to big picture loans, I attempted to call them today XXXX XXXX to dispute the matter and they refused to work with me. THis is a predatory lender that never disclosed extra finance charges nor attempted any communication with me to fix the matter. They however took it upon themselves to increase my due payment more than XXXX $ extra dollars. Please help me with this matter and investigate their malpractice.
I purchased a car in XX/XX/2014 XXXX XXXX during the time of purchase I found out the car was register to me and another person in New jersey. I never received the car title of this car. Its states on the car fax report that I never even had the vehicle. DMV states that the car was still registered to someone else in New jersey as well as the XXXX History report. at the time when I bought the car. I had the car for about a year I took it to the shop for repairs I was n't able to get the car out the shop so I car shop I guess sold the car I call to check on the car and the car was no longer their. Pinnacle Finance company is now trying to sue me for the car XXXX dollars explained to them I no longer have the vehicle and I do n't know where it is at this time I am finding out that the car was n't still registered in someone else name of the time I had the car never receive the title. Also the car history does n't even show that I had the car registered in md what can I do please me thanks.
In  XXXX   XXXX , credit unlimited requested on my behalf that Bank of America remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by Bank of America when I was trying to short sale the property that the lien was attached to. Bank of America could never find the account.      XXXX  removed the account.  XXXX  updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred  XXXX   XXXX  that the original lien was attached to.     2. I do not own any property for Bank of America to foreclose on.
3  . This loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
my debt was paid off in 1976 through a payroll deduction through the XXXX XXXX paymaster. I have been harassed by numerous collection agencies, over the past 40 years. I dont know where they get their information or why this debt collection persists. When I ask them for details of this debt, or to prove to me that I owe the debt, they respond by saying, " prove to us that you do not owe the debt. '' I refer to my XXXX XXXX pay records, and I dont hear from them until they pass the debt to another collection agency. Then is starts all over again
After repeated Calls with and without Voice Mail, after sending 2 Cease Communication letter they continue to call my Cell number.