WillisBack/dataset-financial-user-claim huggingface dataset:
On frequent occasions the Navient website has not accurately posted my payments. I took screen shots throughout XXXX to show how within the same billing month the payment due amount jumped all over the place despite me submitting payments of the entire amount due each time I logged in. Attached are screenshots of the revolving amount due within a few days of each other despite me processing payments to the entire amount due. Not only that but their website makes critical decision making information obscure to access. They have embedded loan details and other factors about the promissary conditions impossible to track down. There have also been floating " Late fees '' posting to my account. These fees should not apply because I currently have Income Based Repayment at {$0.00}. A phone customer service person told me those were just late fees and would not affect my account but could not ensure anyway that they would not be reflected on my overall balance. Recently I was about to make a change to my account to move some of my balances to a consolidation to ensure that they would be eligible for REPAYE. I asked the customer service person what fees or expenses I might incur from this move. They listed that I needed to make a minimum payment of {$5.00} for that month and that I would need to pay the interest for that month. After asking if that was all the expenses I would incur she insisted yes until I asked if any interest would be capitalized on my account. She then indicated that it would, because I asked but it was obvious that she was trying to obscure that information as well. I believe they have done this on a few other occasions and it has caused me to rack up over {$20000.00} of capitalized interest that could have otherwise been prevented. Their website is unethical in how it fails to provide detailed and accurate information about my loans and payments. Most of the time their customer service members are digging for answers about why things are occurring on my account as opposed to having access to clear and truthful facts about my loans. They are intentionally obscuring critical decision making information about my loans. In no way are these tools proper for loan management and are causing my loans to inflate to larger amounts as opposed to assist me in paying them down. I believe I was not given proper information to choose the proper Income Based Repayment plan reflective of my circumstances and that has also added over {$72000.00} to my overall amount owed. Their loan servicing is unreliable, inaccurate and unethical.
I will get anywhere from one to 30 calls a day from chapman financial. I have told them not to call during work hours and I will still get calls during business. They have called as early as XXXX and as late as XXXX. I have also missed their calls only to have between 3 and ten calls in less than 5 minutes from the same number with no voicemail. I have explained my situation of paying 2000 in bills a month but make XXXX, and have to have gas and food with nothing left to pay them.
I financed a new car in XX/XX/XXXX with BMO Harris bank. I suffered job loss about a year later and was receiving numerous calls each day late at night from the collection company my account had been sold to. The collection company refused to take any partial payments I was able to make and frequently threatened me with law suits and seizing of property. Once I was able to begin making payments again, I made a payment of approximately {$3600.00} and set up automatic payments thereafter. Automatic payments were taken from my account as agreed upon for nearly two years until my account was bought back by BMO Harris Bank, at which time the automatic payments stopped with no communication or notification to me. It took a couple months for me to track down the correct contact information of the creditor and set up a new automatic payment agreement. For the next couple years thereafter, automatic payments resumed. I called from XXXX to XX/XX/XXXX to request written documentation of all payments made since BMO Harris bank does not provide any sort of documentation of payments made, digitally or otherwise, and also to inquire about settlement options. My then current account representative, XXXX, was out of the office and not available to take messages for approximately 2-3 months that I know of, so I never received any response- not even from other reps in the office. I was finally able to reach XXXX in XXXX, at which time she argued with me over my right to receive a response regarding my account. I requested the written documentation and also a new account representative. I also inquired about settling my account, but was given no options- only further argument. I never received the documentation of payment history I requested ( it was supposed to be mailed to me ). After speaking with XXXX in XXXX and having a new account representative assigned, XXXX more automatic payment was taken from my account on XX/XX/XXXX, after which my automatic payments stopped coming out of my account again. I contacted my new rep in XXXX to find out why the payments had stopped and again to request the payment documentation that had never been received. She responded that my automatic payments had been stopped because I had inquired about settling my account, although no options were given and no agreement had been made. She assured me that she had resubmitted the request for payment documentation to be mailed to me and set up my automatic payments again. My next automatic payment was made on XX/XX/XXXX, after which they have stopped again! It is now XXXX and I still have not received the twice requested payment documentation, and the bank still is not honoring our automatic payment agreement.
I have a car loan with Prestige Financial. They are a predatory lender and I believe they have been involved with criminal activity by defrauding me for the past XXXX years while I was making my loan payments. For XXXX years I have paid my loan and not XXXX has went to the principle. They have charged me so many fees that its impossible to pay off the loan. I have stopped making my payments and informed them that all communication will be done in writing which they do n't want to do. I will not talk to them on the phone because they lie and like to twist the truth so I want all communication to be done in writing so i have a record of what is said, which they do n't want at all. I told them I want to go to court to let a judge decide what is fair. They have called and continue to call my family, friends and my Jb. My job has let me know that they are harassing them and calling them numerous times a day. I have been in contact with prestige and demanded them to stop contacting my employer but they still do n't, and they keep calling them to strong arm me into a solution to benefit only them like the XXXX would do or a criminal organization. This is a strong arm attempt trying to force something on to me which I believe is illegal and not fair. I have explained to them that they can contact me any time by email, text or mail. They send them threating text 's all the time and I told them to file court papers because I am ready to go to court. They have also called my son and told him they will have him arrested which is completely against the law and they are lying to him to scare him. Because they are a predatory lender they do n't want to go to court and face a judge they just want to continue to harass me when I have made it clear I want to go to court. I believe they are in violation of the law to continue to contact my employer which could get me to lose my job and to harass my friends and family when they can get a hold of me, but they choose not to do it in writing.
Today with a credit balance due me on my account of {$39.00}, I directed in writing that Barclaycard send me that balance and close the account. They've closed the account but REPEATEDLY AND EVASIVELY refused to state that they've sent me my {$39.00}. ( I closed the account because Barclaycard has the worst customer service of any credit card I've ever had and this issue is typical. )
I requested to receive all three of the online credit reports at XXXX and was able to access XXXX and XXXX. I noticed a difference between reports and attempted to dispute the XXXX - XXXX XXXX XXXX Loan Amount. When I completed dispute, for Security Reasons the system booted me out. When I returned, it indicated I completed review of ALL XXXX credit reports. This is False as I could not longer logon again. I 've requested Experian provide me a link to retrieve my FREE Experian Credit report. 
Issue at hand : My Identity was misused by XXXX XXXX XXXX who was assisting me to purchase a property, XXXX XXXX, 2008, which he still owns. He used a Fraudulent Financial Institution : XXXX XXXX XXXX, Owner, XXXX XXXX, Used a Fraudulent Escrow Officer, XXXX XXXX with Fraudulent Escrow Co. XXXX, sold loan to a Fraudulent subsequent Financial Institution : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. Looking to EXPUNGE Fraudulent and Delinquent Bill from unknown Financial Institution. It 's not my Loan. Thank you.
The contract related to the account has been cancelled and is unverifiable please validate this information with the company and provide me copies and documents associated with the account bearing my signature for such charges.I am not liable for any and all 3rd party bill collection accounts as the original creditor has already been paid for such losses through insurance and taxation.
XXXX XXXX I got an e-mail telling me that my scores were XXXX and now when I try to get a credit score thru any morgage lender it says XXXX. Somehow there is a problem with Equifax, XXXX XXXX and XXXX no one can seem to get anything out of these three credit reporting services with my name, birthdate and ss numberas to what my scores should be
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX for {$12000.00}. I was told that I had to put {$2000.00} down and then only pay a balance of {$10000.00}. I was never told that there would be interest. I was told the monthly payments would be {$330.00} per month. I signed many documents but I was not provided with a copy of any of the documents. I then received a payment booklet in the mail from Credit Acceptance XXXX and discovered that there were 60 monthly coupons for {$380.00} each ( {$22000.00} ). That totaled {$24000.00} ( coupons plus my {$2000.00} down payment ) for a XXXX year old vehicle with XXXX miles on it. The car has many mechanical problems. I have no idea what interest rate that I am being charged. I never agreed to pay back a total of {$22000.00}. I was never provided with a copy of the Bill of Sale or Retail Instalment Obligation. I am a XXXX XXXX earning {$950.00} net biweekly living in a rent stabilized apartment. I would have never qualified for such a loan if my true income was used. I believe the lender 's sales representative committed fraud on my application. I would have rather been denied the loan had I known I would have been saddled with interest, etc. I also learned that I financed an extended warranty as well.
EVERBANK IS WRONGFULLY REPORTING A 30 DAY LATE TO MY CREDIT REPORT. In may we have called in to provide our banking info for Everbank to process the payment. However, that information was inputed INCORRRECTLY BY YOUR REPRESENTATIVE ... which has cause a 30 day late negative reported on my credit report.
Chase is my bank and I have a credit card with them ending in XXXX. In XXXX of Last year someone used my card fraudulently to order clothing online from XXXX. I have a XXXX and was in the hospital at the time and when we received packages we didn't order, XXXX allowed us to use labels in the packages to send them back for free, which we did. They acknowledged the return via email and said they issued a refund but then they never ever did. We have tried to work with Chase since they are our bank and XXXX won't reply but Chase refuses to help. We have opened these disputes as disputes and as fraud and the close the case every time without even contacting us. I have asked them on multiple occasions not to call since I am very sick but they continue to do that. 
This is ruining my credit. I have stopped paying on the card. 
I have read over the fine print of my credit agreement and by law they have to support legitimate disputes and fraud cases .I have proved with documentation that these are legitimate cases and returned. XXXX refuses to reply with the tracking numbers, however, they did reply with confirmation of the returns which is enough to credit my account but Chase refuses and now the charges are getting older and older and nobody is doing anything. 

I feel some of this is discrimination against the XXXX since I am fully XXXX and can not call in most days or answer the phones and they take advantage of that. I have saved all correspondence with them and proof and all the times they have ignored my pleas. I need help. 

Please help me. 

charges are all for XXXX.com XX/XX/17 {$190.00} {$140.00} {$82.00} {$660.00}
I refinanced my house back in XX/XX/XXXX - because of the XXXX I needed PMI. My PMI was set to automatically terminate at 78 percent of the original loan value and I could request at 80 percent. Back in XX/XX/XXXX I sent to Nationstar who had recently purchased my mortgage a request, along with a copy of my PMI notice and the schedule. They ignored this letter. In XXXX I sent XXXX pointing out that I had reached the mandatory cancellation. They ignored that and took out PMI. I contacted them, there response was to say that I am at XXXX XXXX, which I am not. They have provided me no proof of their assertions, even though I have provided them with the attached.
My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Experian and XXXX XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
On or about XXXX XXXX, I attempted to deposit 68 XXXX series savings bonds into an existing account at M & T bank in XXXX, DE. I was informed by the branch the bonds had to be sent to their main branch for processing. Long story short, after two weeks and being told they were still being processed, I received a call stating the bank no longer processes bonds. Even though the bonds were not processed, the bank stamped them and now the bonds can not be cashed by another bank. In order to cash them, the original bank needs to send me a letter giving the treasury permission to cancel the stamp in addition to submitting a special form to the treasury and now mailing them into the treasury.
I have been going back and forth with Equifax on inaccurate reporting on my credit report. They have been updating the assigned date on a alledged collection from XXXX XXXX XXXX everyday for the past 6 weeks that I'm aware of ( maybe longer ). The original creditor is also inaccurate, as well as the status. I called XXXX to see if they had a problem with there system and they say no, the information that they receive comes straight from the Credit Bureaus.
IN XX/XX/2013 MY HOME WENT INTO COOPERATIVE SHORT SALE AND I WAS RELOCATED BY XXXX XXXX XXXX. THE PROPERTY WAS AT THAT TIME UNDER CONTRACT FOR SALE THEN BOA RECANTED THE OFFER AND EVENTUALLY FORCLOSED THE PROPERTY. THEY ARE STILL REPORTING THAT THE ACCOUNT IS OPEN AND MISSING CURRENT PAYMENTS WHEN THE HOME WAS FORCLOSED. REPORT SHOULD STATE CLOSED DUE TO FORECLOSURE. THEY WILL NOT CORRECT.
I have been trying to contact Equifax and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was Equifax, XXXX or XXXX job to see the red flags. I have 40 inquires with Equifax and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
I am filing this compliant against   XXXX   XXXX   XXXX     XXXX  and  Experian  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  & Experian continue to reported this account as verified, without proof. However   XXXX   has removed this account from my credit report.
Ocwen Mortgage is reporting negative information on a discharged account. They removed all information on account XXXX for me and my wife ( XXXX XXXX XXXX ). However, they did not remove information regarding account number XXXX. They admit that they do n't have records for the accounts in a previous dipute. 

Ocwen was not then lender at any point in time. They were the loan servicer after GMAC Mortgage. Ocwen serviced the loan from XXXX XXXX, 2013 to XXXX 2013 when servicing was transferred to XXXX XXXX XXXX. 
Ocwen should remove any and all references this account as well.
My Barclays credit card payment was made on XXXX/XXXX/2016 in the evening. I began receiving collection calls from Barclays bank about a pass due balance because my payment was not made by XXXX. I ask Barclays to please make an exception and waive the late fee. The is not typical credit card payment policy. People tend to forget this little fact about this particular credit card. Barclay card refused to waive the late fee. My position is that the payment was made on the due date, a cutoff time of XXXX is just their way of extorting additional credit charges from account holders. Subsequently, Barclays continues to add late charges onto my card balance. This alleged pass due balance was created by Barclays. I will not accept, nor acknowledge the late engineered late charges generated by them. This card was aligned with XXXX, now American airlines. The half price airline voucher they issue annually as a perk is never usable or accepted by the airline for XXXX reason or another. I am asking CFPB to review Barclays Bank credit card collection practices and to have this bank remove the late charges they keep tacking onto my credit card balance. I have closed my account with them due to their terrible customer service. I am always left on hold for over 15 minutes when I ask for management staff or disconnected and ask to re-verify my Identify after I have already entered that information when I placed the call. I have been denied service when I refuse to do so. I feel they use these tactics to discourage their customer to dispute issues.
Navient is reporting late payments when its suppose to be in payment driven program because Im not working. They failed to correct my information
On XX/XX/XXXX XXXX XXXX XXXX sent me a settlement agreement letter stating that the revolving Visa account in question would be settled and my credit report would be " coded as paid in full for less than full balance ''. I paid the agreed amount of {$5000.00}. They sent me the agreement letter, yet they neglected to code my account as " paid in full for less than full balance '' to the credit major credit bureaus as they promised. I have contacted the creditor XXXX XXXX XXXX several times asking for them to honor their agreement and I spoke with XXXX XXXX who holds the title of Member Solutions Counselor III. XXXX told me to dispute the account through the normal dispute channels for each credit bureau. I did just that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have uploaded and sent the settlement agreement letter to the credit bureaus. When the credit reporting agencies contacted XXXX XXXX XXXX, XXXX stated to them that the reporting was accurate and no changes were made. Currently the status of the account remains " Charge off '' with a balance of {$10000.00}. XXXX refuses to honor their written agreement. I feel XXXX tricked me into paying {$5000.00} and then did not follow through on their written agreement.
I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX  repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.
CITI closed my new BrandSource credit card without prior warning. The account was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.