WillisBack/dataset-financial-user-claim huggingface dataset:
The customer service is horrible, i have been dealing with navient for years and I can not afford the monthly payments as i am still living in government dorms so my check is not as much i have ask if there was any way i could pay less money and they told me no that i would have to pay the XXXX a month i have tried to get my loans deferred as i am in school and they told me i could only get a 60dy hold and if I'm not more than half time i will still have to pay i am a young XXXXyear old and they are messing up my credit for a degree i didn't even receive navient is very unhelpful and unreliable i would not recommend them to anyone they are not helpful and and if i pay the XXXX a month for 10 years that's over 20,000 when my loans where only supposed to be XXXX and with the mlitiary service member relief act i should be caped at 6 %. If you could help me in any way it would be greatly appreciated.
on XXXX/XXXX/15 Richard Sokoloff Attorney At Law sent a letter at my home to pay him {$6700.00} for a hospital bill for some individual i never heard of, i called his office and explained it a mistaken ID and i do n't have any body by this name in my household, a month later i received another letter i called again and left explanation on his voicemail.now today XXXX/XXXX/15 someone dropped a court summons for me to appear in court, i called his office today and his office want to know my birth date and social security number which i do n't feel comfortable giving to a stranger, so his office person refused to talk to me. now i have to go to court to prove i am not the person they are looking for, this harassment is causing me anxiety from last 4 months
Equifax has consistently verified and reinserted the following accounts on my Equifax credit report. Case # XXXX Case # XXXX The above mentioned accounts were deleted on XXXX XXXX 2016, Equifax confirmation number XXXX. I am demanding that Equifax delete above mentioned cases from my file. I am not asking Equifax not to reinvestigate so they can stall for another 30 days. I have contacted XXXX County Courthouse to speak to them about this matter and they stated they have no recollection or knowledge of Equifax performing an investigation. If these accounts are not deleted, I will pursue any legal remedy at my disposal.
I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Transunion and I was unsuccessful with speaking with someone on this matter. Can you please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the above account. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD
Our Bank of America Visa correctly identified fraudulent activity in XXXX 2016 when it denied charges for several transactions including, for example : XXXX on XXXX XXXX for {$100.00}, XXXX XXXXXXXXXXXX and XXXX @ {$420.00}. We were not aware of this until we received the XX/XX/XXXX-XX/XX/XXXX itemized charges. When we saw over {$1800.00} in fraudulent charges, we cancelled the card and requested an investigation. In particular, the XXXX transaction on XXXX XXXX of {$380.00} and a {$280.00} at XXXX should certainly require an ID check. After the investigation, we were told the pattern did n't fit fraud so the claim was denied. We asked several times now for the case to be re-opened, requested copies of the signatures and filed a police report. The single signature copy we received was n't a legitimate signature. BOA has debited our account for the entire fraudulent amount. We can verify being at work when there were fraudulent card swipes. We have offered to help in every way but they wo n't refund the charges. Since BOA identified fraud and denied claims with our card, without telling us, they acknowledged fraud. Now they are denying fraud for later purchases at these very places. We have never shopped at XXXX or several other places where the fraud occurred.
Several attempts in writing were made to Navient to provide student loan documents to verify and validate. No documentation received in last 60-days. 

Navient is reporting negative info to credit bureau 's severely hurting my financial status. 

I am making my student loans directly to US Dept of Education per agreement and on time. 

Need quick help. 
Thanks,
On XXXX XXXX, XXXX. I was taken to XXXX XXXX XXXX hopsital i was in pain but did not know what happen next thing i was told I had a XXXX XXXX that need it emergency XXXX but they needed to put me on XXXX for 2 day and XXXX for pain the medication i was given was very strong. i was completely out i can not remember nothing after the day i got there.they perform XXXX i was in the hospital for 10 days. 

You see my insurance at the time will pay ofter the 6 day 100 % for semi private rooms. while at the hospital and under XXXX XXXX I did not know nor was i ask to be put on a private room i have try to fight this with the hospital and XXXX did not help me at all. so i was told I had to pay the bill i told them since I am XXXX and with Social Security all i can pay was 10 to 20 dollars a month they agreed. so i have being paying on it. 

They i started getting call by XXXX XXXX XXXX from a collector telling me that the hospital refuse my payments even do they got the money and i had to pay the whole bill now i got a letter from an attorney asking to pay the full amount or they are going to press charges against me. the Law firm i got the letter from is Sheer, Green, & Burke, CO. L.P.A.they are base out of XXXX Ohio . I live in Texas. Their customer is XXXX XXXX XXXX XXXX XXXX TX can they take me to court or arrest me for this? and I was also told they are going to damage my credit. 

I do not what to do. 

XXXX XXXX XXXX XXXX XXXX 
XXXX TX XXXX
Case Subject : FAILURE TO PAY PROCEEDS IN A TIMELY MANNER Case Description : MY CD MATURED FRIDAY, XXXX/XXXX/2016. AS OF TODAY 'S MAIL, XXXX/XXXX/2016, I HAVE NOT RECEIVED MY MONEY. ON XX/XX/XXXX I CALLED THEM TO INQUIRE AND TO CLOSE MY ACCOUNT. ON XXXX/XXXX/2016, TODAY, I RECEIVED MY {$5.00} FOR CLOSING ACCOUNT DISPUTED AMOUNT : {$10000.00} DESIRED RESOLUTION : SANCTION OR FINE THEM. THEY HAVE OVER {$10000.00} O MY MONEY TO EARN INTEREST ON FOR THEM, NOT FOR ME.
XXXX XXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to bomb my phone. Many times multiple calls in one day.
I have a inaccurate account in collections on my transunion credit file and an ( XXXX XXXX ) unauthorized inquiry I contacted them about with no success in removal. These same items were successfully removed from my other credit files. I desired for the collection to be investigated along with the inquiry.
Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.
On XX/XX/XXXX I called XXXX to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX
I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
XX/XX/XXXX - Mailed certified Letter to Equifax XX/XX/XXXX- Letter received by Equifax . See attached. 
USPS Tracking number XXXX XX/XX/XXXX- My file was closed with no investigation into one of the items that I had sent in to them. See attached. 
XX/XX/XXXX approx. I called in to find out why they did not look at the item in question- XXXX XXXX XXXX Acct. The rep didn't have a solution and told me sorry.
I used XXXX for my payroll services. Last XX/XX/XXXX they really messed up my account. I closed with them and received notification from their supv my account has been corrected. I have the emails. 6 months ago I get a notice from collection agency. I sent them a letter with explanation with proof I do not owe this. They closed their file. In XX/XX/XXXX I recive another collection notice from another agency. I sent them in XX/XX/XXXX certified letter with explanation and to show proof I DO NOT owe this debt. I have not received any explanation and received today another notice that I have made no attempts to resolve this matter and not its an urgency and I am at my final hour. I have proof they received my letter but they have not given me any explanation or a detail of why I owe over {$3000.00}. Again I have proof this is a mistake and emails from XXXX apologizing for the mess up. Please XXXX reversed all charges and gave me credit for future payroll runs.
Used the best category list above. My credit card XXXX XXXX XXXX XXXX determined to reduce my credit limit from $ XXXX to $ XXXX as a result of non-activity ( use ). The information was reported to Experian ( my credit monitoring service ) and then I was notified that my credit score had been reduced as a result of XXXX XXXX 's action. I was not delinquent, and the balances had been paid for over a year. My compliant is against the algorithms used by Experian that uses the information as a negative that reduces my credit score as a result of my decision to be as debt free as possible using cards as a second alternative. The US government talks about the debt of America then we get penalized by the credit bureaus based their calculations of a score. I am now rated in the " good '' credit category rather than the " very good category '' for actions of the credit card. The credit score is the basis of better interest rates to buy goods and services and it is collusion between the credit card companies and credit bureau in their algorithm derived score that pushes more use of credit by XXXX XXXX XXXX XXXX for non use of the card and Experian for the actions of not using the credit cards derive fees and interest charges. THE FTC needs to investigate the algorithms that is affecting US citizens such as this where are rendered powerless XXXX. Obviously now that I am just a good credit customer, XXXX XXXX and other credit facilities can not charge me more interest based on the actions XXXX and not based on my consideration to pay cash for fertilizer and flowers, etc. When I do not pay my bills on credits based on the conditions I expects the actions XXXX to be reflected accordingly. However when I who have expressed my history of being credit worthy but by the actions of XXXX XXXX and Experian, I have no consumer power to use credit and debt free in the best manner. THE FTC should review all credit bureau algorithms to ensure it maintains independence and fairness with its reporting of information and now so important Credit Score that drives how we obtain and pay for things in the marketplace. This would great for " 60 Minutes ''.
This is the third complaint I have submitted regarding this issue. Associated Bank doesn't seem to understand the exact nature of my complaint so I will do my best to be as clear as possible. The bank is reporting a closed, paid-in full account as CURRENTLY 30-59 days late. The account was paid in full and closed in XXXX, which was six months ahead of its full term. Associated Bank seems to think I am disputing when the last payment was made but I am not. I'm not sure how I can be more clear. What I am requesting is that this account 's CURRENT PAYMENT STATUS please reflect that the account is not CURRENTLY past-due. The account is being reported this way to XXXX and XXXX. I spoke with representatives from both agencies who confirmed that the CURRENT STATUS for this account is being reported as 30-59 days late. I also request Associated Bank to respond with full details on this account, including the date of the last payment, current payment status, balance, term dates, date opened, date closed. By providing this information Associated Bank will be providing their own proof that this account is closed and not currently past due. It can not be paid in full and currently 30-59 days late at the same time. Attached is the canceled check of my last and final payment for this account.
Amounts listed on multiple accounts are incorrect. I have opened a dispute because student loan account were being reported XXXX different times and different amounts. Auto loan and credit cards balance are not correct. Reporting a XXXX charge that is paid as unpaid. Just recently again requested this information to be updated.
Kohl 's charges an exorbitant {$25.00} fee on late payments for any balance, regardless of how small. This is excessive for small balances. For example, a typical balance for my family would be {$100.00} - {$200.00}. I forgot to pay the bill before the payment was due, and was charged {$25.00}. This is a 25 % charge on a {$100.00} balance, over just a month 's time! I don't know how to figure out what the % would be over 1 year, but even {$25.00} is ridiculously exorbitant. Further, they try to promote use of their credit cards, for precisely this reason is my guess. Please help!
I sent in a dispute to Experian and it was received on XX/XX/2018 and I have yet to get a response. They have not verified permissible purpose or proof of I initiated these inquiries nor written authorization. I have waited for to long for the completions of this investigation. Documents and proof of Experian receipt of dispute is attached to this complaint.
Dear CFPB, I have learned about the recent lawsuit against Navient. They have been my loan servicer. I have been paying on my student loans for years and the principal has barely gone down. It seems that all payments go to interest. I do n't know what information you need, but I 'm very interested in joining in this suit if I am eligible, or restructuring my loan so more of the payment goes towards the balance. I am XXXX yrs old, and still paying my student loans off. Thanks so much for your time.
I had funds from my mortgage company deposited in my One West checking account that I have had for around a year. They either held or stopped several personal checks, although I had called them and spoken to representatives XXXX, XXXX and XXXX about using my own checks. They restricted my account due to my desire to use my own checks as opposed to the expensive checks offered by them. I now have several returned check fees and this embarrassed me in the face of my payees. Upon calling One West and informing them of the situation they asked me to step into the branch -- which I can not do as I am XXXX XXXX ( moreso XXXX XXXX ) and recovering from XXXX XXXX. One West replied that they could send an agent to my home. As I thought this very unusual to send a banker to an XXXX XXXX XXXX, I requested to have a police officer present. The police department informed me that they can not send out an officer to my facility just because a banker wants to visit if no crime has been committed.
I applied for a credit card and my credit report was pulled twice by Capital one bank. in two different days.
I have contacted Experian several times trying to get a copy of my credit report. I also sent in several dispute letters too. But I have not heard nothing back from them. I do n't know why they are not responding but I 'm pretty sure that it is the law that they have to send me my report once every year and also respond to me when I dispute something on my credit report. I tried calling them but I can not speak with anyone without a credit report and since I ca n't get my credit report I ca n't get anything done.
Van Ru sent a letter regarding a debt collection attempt for XXXX XXXX indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Van Ru.
MONEYGRAM ANF THEIR CLASS ADM INISTRATOR FAILED TO HONOR MY REMMISSION CLAIMS.
I am actually a parent rather than the student. We co-signed student loans not fully understanding that much of student lending has been privatized and not subject to any relief programs such as forgiveness after 10 years of working in public service, etc. What happened to XXXX XXXX? 

Our student son is paying the public loans on a schedule based on his income and we are paying private ones since he makes very little money. It is really ridiculous for a college degree to cost so much money. His degree is in XXXX and XXXX, so he will likely be working for a modest salary all his life. Making the world a better place, but not pulling down the big bucks. 

Is there any relief for private loans? We are being impoverished since our student ca n't make all the payments, and we will be unable to retire. We can only make the payments, we ca n't pay off the principle, so we 'll be paying forever. Plus Navient is calling us relentlessly. The calls start BEFORE the bills arrive and persist until they receive the payments, even though we pay every month. We get a few days of peace and then it starts again, Navient also calls our son and threatens him with dire consequences like legal prosecution. We no longer answer our own home phone, we just return calls to our friends who leave a message. Navient has our son 's cell number, so they harass him at work, at home, wherever. And this is what they do to a family that is paying each month. Imagine how much it would crank up if we skipped a month? 

I am between jobs, my new job starts in a few weeks, but money is really tight now. We need relief.
I have a security freeze on my credit report with Equifax. I have misplaced the PIN to lift the freeze, and would like a new PIN. I sent certified letters on XX/XX/XXXX and XX/XX/XXXX requesting a new PIN, and included copies of 2 forms of ID. The response to my first letter was a form letter stating they could not lift the security freeze without my PIN. The response to my second letter was a form letter stating they had updated my current address within the last 30 days. ( I have a copy of verification of the initial security freeze dated XX/XX/2014, and it includes the address they claim to have updated within the previous 30 days )
My social security details have been stolen along with possibly other information. 
The way I found out was a hard inquiry on my credit was issued from XXXX. 
When I called XXXX, it appeared that they opened a credit card for this individual. It was cancelled straight away. 
I also received a call from XXXX XXXX for an attempted opening of a credit card. 
I would also like them to make sure they update my details to include my current address and other information. The individual I believe used my prior address and thus was able to open an account using an old address because it was n't updated with the credit bureau.
The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA by not providing me documents to me in regards to this debt an d my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If I.C. Systems does not have any documentation, they need to retract this from my credit file immediately.
I have contacted Equifax over XXXX times concerning this issue ; they say that I am being verified electronically however I informed them that the information is incorrect and that I was not in FL when the supposed medical bills occured. They refuse to remove the negative info from my credit report. All of the other credit agencies have removed these doctor bills as the company couldnt prove conclusively it was me. Equifax is refusing to cooperate. This has been going on for over a year.
Last XX/XX/XXXX, I sent this credit bureau a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting to removed accounts : XXXX XXXX XXXX ac # XXXX and XXXX account XXXX ac # XXXX ( high balance {$26000.00}, opened XX/XX/XXXX ). On the letter I sent to this credit bureau, I quoted the stipulations of FCRA 605B which states that " a reported fraudulent account, with required documentations MUST be removed within 4 business days upon receipt ''. Again the letter, FTC ID THEFT REPORT and POLICE REPORT was sent to them XX/XX/XXXX. Clearly, this credit bureau has violated and showed negligence and none compliance with the FCRA stipulations. I will see legal assistance if these accounts will continue to be reported.
Experian complaint # XXXX response back on XX/XX/XXXX is that Experian is opt me out of marketing and promotional in fact I was already opt out since XX/XX/XXXX and have proof to where Experian responded back to the CFPB about the issue of opt out. So now Experian says I'm on opt out I never stop. I also got all these companies tracing back to pay day loans that they claim is Experian. I also file a complaint and supplied the letter from Experian I'm opt out as proof. I'm not going to play the games and XXXX by Experian and lies. I been opt out for 2 years and update by letter to being opt out. it seems like fraud so we let the US attorney office look into the issue. I also see other people have filed on Experian as well to the issue at hand. It's nothing but words botch and lies to the fact of the matter that as of XX/XX/XXXX I'm opt out of something I was already done and now Experian twist it in another matter. See you in court