WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email in XX/XX/2018 that my student loan had increased. I was in the rate reduction plan. I called Navient about the pass due prior to XX/XX/2018 because I noticed that the agreed amount had not been deducted from my account. The representative told me not to worry about because of the payroll deduction I had actually paid ahead. Never gave it another thought thinking this was correct until I received a pass due notice. I again called and was told your rate has increased because you are no longer in the rate reduction. This bill increased over {$100.00} without any notification nor was i ever notified that i was no longer in the rate reduction plan. I can not pay the additional {$100.00} yet they are shorting my living expenses by debiting my account this much.

Navient apparently uses a script to communicate with people and every situation is not the same. They dont listen they take money. They do things without notification. They tell you things like sell your blood, move with your parents, sleep under a bridge etc anything but helping the student.

I need this resolved asap before i am homeless.
I have been getting calls to work threatening me to be sent to court and also on my personal phone I have already contacted advance America to find out who they sold my account to and that company ca n't find me on file there # is XXXX and it is called first financial but the company that I am paying is called also attorney XXXX XXXX in Georgia their # is XXXX I just need help in verifying if it is a legitimate company and I am paying off a debt please help me
This debt of {$400.00} was paid off i n 2016 through the original company (   XXXX   XXXX   XXXX   ). I DO NOT HAVE ANY DEBT WITH THIS COMPANY ( EOS CCA ) NOR DO I HAVE ANY TYPE OF CONTRACT WITH THEM.
On XXXX XXXX on XXXX XXXX flight XXXX from XXXX to XXXX ( XXXX ) we were offered a " special offer '' to earn XXXX bonus XXXX bonus miles if we openedup a Citi / XXXX. I filled out the form and gave it back to the flight attendant. After a month on XXXX XXXX, I called Citi on to see what happened to myapplication. An employee and manager confirmed that they never received my application. This is very troubling because the application contained my social security number, and other personal information. Citi said that legally all applications must be processed within a month. They told me to contact XXXX XXXX. XXXX told me that I needed to file a complaint online which I did. My Report : XXXX ( XXXX ) was answered today saying that, " We forward all applications directly to Citibank for them to process and they would be the ones investigating the status of your application. '' Now I do not know who to contact next.
This is in follow-up to Complaint # XXXX. CitiMortgage made hard inquiries on my credit report on XXXX/XXXX/15 and XXXX/XXXX/15. These inquiries are affecting my score and I requested that they be removed, due to the fact that CitiMortgage had no reason to check my credit, since I did not apply for credit with them. PLEASE expedite to the company, so these inquiries can be removed. Thank-you in helping me get this issue resolved.
Lately I have been receiving numerous back to back calls from Valentine and Kebartas. I called back today because I have paid off one debt and was notified that I had another. Today alone there were two back to back calls at XXXX and there were others within the past few days from other numbers. I spoke with someone earlier today and was informed of the debt and stated that I would be calling back in a short time frame to settle my debt. This was earlier than the repeated calls this evening.
I had a vehicle loan with XXXX XXXX XXXX. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.
On XX/XX/XXXX we purchased a single-family home in XXXX Texas with an FHA insured mortgage from XXXX Mortgage. In XX/XX/XXXX to XX/XX/XXXX we were apprised that XXXX had sold the mortgage to Wells Fargo Home Mortgage. Earlier this year we were able to qualify for a lower cost uninsured mortgage, again sourced through XXXX Mortgage. The XXXX mortgage in XX/XX/XXXX required that we escrow the XXXX year of property tax and insurance, and escrow XXXX of the XXXX year 's property tax and insurance obligation each month. In XX/XX/XXXX when we procured the new lower cost mortgage, we should have received all of our Escrow Monies back from Wells Fargo. Wells Fargo did not return all of the escrow monies. 

Wells Fargo in phone calls say " you escrowed {$5900.00} when you closed on the purchase, so we based our return on that number ; however, by the time Wells Fargo purchased the mortgage we had increased the escrow by another at least $ XXXXIn fact, the Wells Fargo escrow statement shows that when they took over the mortgage in XX/XX/XXXX, the escrow was {$7100.00}. 
Despite their acknowledgement of this discrepancy they have NOT return the monies that are not their property. 
On a recent flight to XXXX I sat beside a former Wells Fargo employee who said Wells Fargo will try to keep some of the escrow money and the only way to get it back is to file a complaint with your bureau. 

Please help. 

Kind regards, XXXX XXXX, XXXX XXXX
I am completely appalled that I am being treated in the same manner as a XXXX individual. Meaning I pay a monthly payment that I can afford and I have tried the entire time that my account has been with this place to make payment arrangements, but get refused to set anything " affordable '' up. The only option I am told is it will go to legal attorney then to court. I am a working citizen that first of all pays for my medial insurance, and still I am treated like the individuals that ignore and do not pay anything. Finance System 's moto on their website is untrue. 
**This is listed as step XXXX Accounts are referred to our legal department when our call center receives several broken promises or no voluntary payment. Written authorization is secured from the client prior to taking action. So disgusted that not only myself but I am sure lots of other hard working citizens are being treated like this. 

XXXX XXXX
The credit card company with J C Penny ran a credit check without my consent. As a result my credit line was reduced. I pay this company every month with no late fees and on time. I have been a loyal customer with this company for years. I considered this to be an unfair act toward myself. Please help in resolving this matter. Thank You.
Bank of America Holding My Money Causing Non-Sufficient Funds On XX/XX/2018, I transferred {$3400.00} from my Bank of America ( BOA ) checking account # XXXX to my BOA Over Draft Protection Account # XXXX. ( See Exhibit 1 ).  This shows Payment Date XX/XX/2018 but not credited until XX/XX/2018. ( See Exhibit 2 ). BOA held or froze the {$3400.00} in my checking account and I was unable to use this money, causing 5 Non-Sufficient Fund ( NSF ) BOA charges totaling {$150.00}, plus having late charges with at least 1 of my creditors. ( See Exhibit 3and Exhibit 4 ). BOA Account Detail shows the money was taken XX/XX/2018 and not XX/XX/2018. ( See Exhibit 5 ). If this was the case, then the {$3400.00} in my checking account should have be availably to use and I would not have these NSF or Late Payments hurting my credit score.
Capital One. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as Capital One sold to XXXX XXXX another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.
I am filing a complaint with Experian because I sent the agency a request to VALIDATE accounts listed in my credit file and have the reporting companies UPDATE history on my report and statuses. Experian sent me back a report notatated that the account has been VERIFIED but not VALIDATED. I requested the name and contact number of who VALIDATED this debt and it was not provided. It has been 30 days and nothing has been furnished to me except an updated report and that they verified. The history on these accounts do not reflect my actual payment history and nothing has been provided showing they attempted to obtain information to correct this. My request was not fulfilled within the 30 day time frame and this company did not VALIDATE any of the debts that they continue to report negatively. 
XXXX XXXX XXXX/XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 accounts total I furthermore know that these accounts were not verified or validated because Experian updated a closed paid in full never paid late XXXX XXXX account from 2014 as included in bankruptcy and this account was closed years prior to bankruptcy. I contacted XXXX XXXXXXXX and they affirm they never reported this as included in bankruptcy because there was no balance in this account and it was closed in good standing experian needs to update this account back to the correct standing. 

I also did not request that any remarks be added to my account and they have done so. 

The reporting in not fair and i feel if you are a credit reporting agency you should be reporting the most accurate information on the consumers because this affects my livelihood.
Subject : Regarding fraudulent account from Westlake financial services, XXXX XXXX, CA Dear CFPB, I am victim of identity theft. Someone got car loan with my details from Westlake financial services. I sent all my documents such as SSN card, police report, drivers license and latest utility bill, FTC complaint, ID theft affidavit to Westlake financial services to prove that I did not buy any car in last 2 years, and so did not get any car loan from any financial institution. I sent all documents on XXXX of XXXX and disputed the account. Since then I kept calling them to know the status. I might have called more than 100 times since I first I disputed the fraudulent account and each call last for 20 min to half hour on an average. They really killing my valuable time. Whenever I call them, they say it is still under investigation and not resolving the issue. Interesting thing is, car was bought on different address and they gave loan without proper verification. 
I have decided to bring this issue to your notice because Westlake is not at all working to resolve the issue. Can you please work with Westlake financial services and try to resolve the issue. I really appreciate your help in this regarding.
I complaining to the services of you good office to kindly help me resolve the predatory, nature surrounding getting the help I need for a loan modification with ditech, LLC. And returning to me my mortgage payments made to them. Ddetech, LLC informed me that they were legally in charged and have taken over my mortgage. Among the statements mailed to me, the statements dated XXXX/XXXX/2016 ( {$29000.00} and {$30000.00} respectively - including a letter to pay my own owner Insurance that is mortgage inclusive but not limited to XXXX conformation letter completed the Hope Modification I have asked for. to date I need answers to support my case.
I had an existing account with XXXX - XXXX XXXX - XXXX XXXX. They recently went Bankrupt and closed ALL accounts. Since this happened my credit score dropped 30 points!!!! 
I can not understand how this should affect the card holder when we have no control. I have an excellent credit score. Was XXXX and dropped to XXXX. 
How do we fix this? This is totally out of a consumers control, but we shouldn't have to suffer the consequences of an account going bankrupt!!!
I received a letter from XXXX XXXX XXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX
We are co-owners who refinanced the mortgage on our  XXXX  home in  XXXX  with Nationstar Mortgage. We were very specific in explaining that we wanted to pay closing costs in cash rather than have it financed. Over the course of discussions only the first draft of the closing documents indicated we would use cash to close. Despite our insistence, in the end we went to closing without being given the opportunity to pay cash for closing. Also, we paid our property taxes for the first quarter and the next installment was not due until  XXXX   XXXX  but it too was added to closing costs ( {$1100.00}  ).      Since closin g, Nationstar has sent us a check in the amount of {$110.00} ( payoff overages ) and more recently a letter stating that we were overcharged for certain closing costs in  connection with the closing of your loan and we are refunding this amount to you through a principal reduction. The amount is {$610.00}. The difference as per the letter is reflected in  C   ash to Close and Lender Credit via the new Disclosure.
We are concerned about how our refinance was handled, the process by which the differences occurred and whether our property tax had to be made part of this closing.
We request a full review of the closing documents/disclosure and would like to know if Nationstar was within their rights to refuse to allow us to pay closing costs up front. These charges were rolled into the loan creating the need for a gap note and mortage. We only had a certain period until the closing and if we didnt close by that date then a higher interest rate would be applied.
My ex wife and I took out a Signature Student Loan from XXXX XXXX ( now Navient ) on XX/XX/XXXX for {$27000.00} so that I may attend classes at XXXX XXXX in XXXX, VA. 
Throughout my attempts to repay the loan, Navient would take the bulk of my monthly payment and put it towards the interest on the loan and apply very little ( and in some instances, absolutely nothing ) toward the principle -- -basically keeping me in financial indentured servitude. 
When I would fall behind on my payments, I was always steered toward forbearance which increased my monthly payment amount and basically postponed the inevitable-not being able to keep up with monthly payments. Repeated and urgent requests for fairness in the form of payment reduction and refinancing the loan were immediately denied. 
This loan, which is now more than 9 years old, now sits at {$28000.00}. 
Please note that XXXX XXXX closed it 's doors inXX/XX/XXXXand had several Class Action Suits filed against it as they took the tuition from students who were not allowed to complete their courses. In addition, those of us who had graduated were denied the lifelong career planning and placement which was promised as part of our tuition. 
XXXX XXXX, now Navient, was the only lender available to the students at XXXX XXXX.
Called my sister as XXXX XXXX and left the number XXXX ext XXXX
XXXX and Navient have been the services on my student loans. They have misapplied payments across my accounts which caused several to default, never fully disclosed all the options available to me, guided my towards forebearance instead of other plans and have ruined my credit. I 've had loans since around XX/XX/XXXX and only heard about consolidation and/or other payment options in XX/XX/XXXX from one of the collection agencies that called me. It was n't until I initiated the consolidation and payment plan process that Navient ever worked with me.
In the month of XXXX, I called into Wells Fargo Bank, and reported I was a victim of Identity Theft. I also requested to obtain all documents related to my Wells Fargo account. I was directed to many departments and Finally I reached the Executives office. I was told It would take about three weeks for me to receive the documents. I received the a letter from Wells Fargo Bank on XX/XX/XXXX The letter states It was written in reference to my XXXX XXXX account, that was administered by Wells Fargo. I don't have a XXXX XXXX account. I applied for an account through XXXX XXXX XXXX for XXXX services. The letter also states the documents and invoice could not be provided due to the merchant are no longer in operation. 

I then received a letter from Wells Fargo Bank on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX Office. The letter states they were responding to my concerns. It also states my application was submitted on XX/XX/XXXX. My application was not submitted on XX/XX/XXXX. My application was submitted on XX/XX/XXXX. Along with this letter was a copy of the invoice and application that was submitted by the merchant via the XXXX. On XX/XX/XXXX, I was charged a payment of {$190.00} to my personal credit card for the merchants in house dental Insurance.
Upon opening up a Wells Fargo checking account I was asked if I wanted a credit or debit card. I stated my desire for a credit card and sent a debit card. I check with the WF official and was informed that they ordered me a debit card as it offered me additional benefits. I asked about all the other benefits associated with the credit card and was informed that they were identical. 

Upon needing to use a credit card benefit, I was informed that the benefit was not on the debit card. Wells Fargo was contacted and a representive in the Executive Office indicated that there was an internal investigation and the bank was unable to help. 

This is clearly a matter where an employee, a number of years ago, went against my request and unilaterally sent a different card. Then the employee gave assurances that the card benefits were the same between the credit and debit card. 

A consumer should not be the subject of mis-information and the results of the internal investigation should be shared.
I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD AUTO FINANCE
I am a cosigner on a student loan. I recently had a major change for a delinquency on my credit score for the loan. I have not received any type of correspondence regarding loan payments, late payments or anything regarding this loan. I am curious as to why my credit has changed without any communication as to what is needed to correct anything late on the loan. The last communication which was several months ago from them was through a phone call after they left a voice mail. I responded back to them and explained I no longer have a relationship with the borrower but will make contact to ensure the payment is made. I have not heard anything since then from them including mail correspondence which I have received in the past. I would like to file a complaint as this has negatively affected my credit without any attempt to alert me of the situation.
Citibank reversed charges of a overcharge by a merchant, only to reinstate them, and arbitrarily deny me of due process while showing proof of wiring funds to the merchant.
Select Portfolio Servicing, Inc. ( SPS ) XX/XX/2017 = Due to financial setbacks, notified Select Portfolio Servicing , Inc. ( SPS ) we would be unable to cover payments by XX/XX/XXXX/XX/XX/2017 and initiated a Request for Mortgage Assistance with them. SPS recommended and *approved* us for a short sale based on our situation. Furthermore, SPS agreed *not* to report us to credit agencies as past due as long as we were in an active short sale process, which we were. 

XX/XX/2017 = SPS reported 30 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 60 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 90 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = Short sale completed, SPS reported 120 days or no data to XXXX, XXXX, and XXXX XXXX ( we closed the short sale process and sold the property ) XX/XX/2017 = Account formally closed As a result of SPS reneging on their written agreement with us not to report us while we were in the process of a short sale, our credit ratings have taken a hit. We were assured by SPS this would not happen. 


They were negligent, did not return phone calls, or emails. They made us fill out the same stack of paperwork repeatedly. We ended up with a different person every time and had to start over each time with the new people assigned to us.
In XXXX of 2014, I moved to a new residence where I paid my last bill owed, but tried to transfer my service with XXXX. XXXX came out and could not find a line-of-sight to connect my service, and I was not allowed to have it per my landlord/tenant rules I was unaware of which deemed my contract null and void. My chapter XXXX bankruptcy was not discharged until XXXX of 2014 so even if this all had not happened I would still owe XXXX nothing. They continue to send a bill to collection agencies, and tamper with my credit illegally. The new agency they sent false info to is at XXXX.
XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.
Recently I opened a Barclaycard Arrival Plus credit card. Part of the offer included a 0 % interest balance transfer for first 12 months. I initiated a balance transfer from my XXXX XXXX Credit Card in the amount of XXXX on XXXX/XXXX/15. However Barclaycard initiated a second balance transfer in the amount of XXXX that I did n't approve. I noticed this on XXXX/XXXX/15 at which point I both called their customer service line, and opened an online message/ticket. After two weeks of no resolution, I was finally able to get a hold of someone who could answer my questions, and they told me they were unable to reverse the balance transfer, at which point I would need to contact XXXX and ask for a check in the amount of the second balance transfer amount, and then pay my Barclaycard down with that money. Since I did n't authorize this charge on my card, I fail to see how Barclaycard sending money to XXXX is my responsibility? My credit card came with a promotional offer if i spent {$3000.00} in the first 90 days, I would be rewarded with XXXX miles. However, since they have effectively maxed my credit card out with a double balance transfer I of course am unable to use the card. Also, it is making my debt ratio look much higher, and potentially pulling down my credit rating.