WillisBack/dataset-financial-user-claim huggingface dataset:
I am the Co Signer on XXXX student loans for the same borrower. The loans originated in XX/XX/XXXX - XX/XX/XXXX. The servicer, Navient. is currently contacting me despite past performance on their part, poor recordkeeping by them, and the loans paid regularly since te first payment was due in XX/XX/XXXX.
In 2016, Navient incorrectly withdrew the monthly payment for my loan twice in a month after I had been enrolled in their automatic deductions for 6 years. I challenged the duplicate payment with my bank and confirmed that Navient had permission to continue making the normal monthly withdrawals. Navient then disabled autopay for my account and has since refused to reinstate it for that bank account, demanding that my bank send a written letter with my account information to them ( which would be a violation of my bank 's privacy policy ). I then attempted to send written checks to the address listed on the website ; it appears to be the wrong address, as each of the checks I sent was returned to me as a refund from the US Treasury. Navient 's customer support has been unable or unwilling to give me the correct information to make payments, but calls me daily asking for payments even after I have repeatedly asked them to give me an alternate address for mailing checks or to restart autopay.
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To who it may concern ; i have several collection agencys named THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX. Please be advised that i am disputing these collections due to the fact that the collections agency ( THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.
They Threaten to arrest, and receiving at least XXXX calls a day for several months. I programmed my home phone to block the call but the phone calls still ring. We have not received any of their letters in the mail. Their phone number is XXXX.
On XX/XX/XXXX a payment was debited from my account in the amount of {$250.00} made payable to ditech. In XX/XX/XXXX the payment was identified as being 30 days late. I called and explained the auto-payment scheduling had expired and once I noticed, made the payment immediately which was less than 30 days. They contend that they dont do people favors and that they did not receive the payment. Below is the correspondence that I sent them and never received any resolution to the issue of this payment was not 30 days late. I even included a copy of my bank statement. I believe ditech has issues with their accounting systems that dont properly reflect when payments are received and deceptive in not contacting you in the event that there is an issue with your account. I have consistently paid this debt in a timely manner and take exception to how I was treated and the fact I have a derogatory mark on my credit report.
XX/XX/XXXX I dont appreciate the flippant tone used in the letter and the intent behind your words are both troubling and reason for me to escalate internally in your company. As mentioned in my initial complaint, these payments set up through auto-pay from my account on the same time each month. There was an issue somewhere along the way and once it was identified I immediately submitted payment. If the account representative that called me would have informed me of the issue the payment would have been made sooner. Attached is a copy of my bank statement showing the payment was made on XX/XX/XXXX, so this indeed needs to be corrected on my credit report. Please adjust on XXXX and XXXX immediately.
XX/XX/XXXX As previously provided payment was received prior to XX/XX/XXXXthe {$250.00} is shown debited from my account on Wednesday, XX/XX/XXXX. There was no check to provide because this this was an electronic transfer which your antiquated records should show. I am not requesting a courtesy or need assistance with my credit score. You records are incorrect and I will be providing this proof to all three credit unions and will escalate internally within your company prior to finding another institution to service this loan. Your correspondence has been unprofessional and disrespectful. This is my final request for you to rectify the situation.
XX/XX/XXXX As previously stated, I dont agree and will begin the dispute process with all credit agencies. I am also in the process of trying to transfer this loan to another financial institution. I have excellent credit and always available to discuss any issues revolving around my account but I will not tolerate the unprofessionalism and disrespect I have experienced the past six months. I also plan to provide copies of all of our correspondence to the current President XXXX XXXX  The way this business has been handled up to this point, I am not surprised that this is the fourth CEO named in less than a year.
I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested.     Now, I see no less than  XXXX    OneMain Financial hard inquiries on my  XXXX  credit report alone.
Frankly, I did n't even authorize the type of applicati  on they ran the first time, let alone  XXXX  more times.      XXXX  claimed it was only able to remove  XXXX  of these inquiries and suggested I contact you.
I live in Alaska and I have an XXXX Bank of America credit card I received a notice from Bank of America telling me I must come to one of their locations and provide them physically with a copy of one of my Photo IDs. when I contacted Bank of America they told me they have no branches in Alaska and I would have to buy my own airplane ticket and fly to XXXX to go to a bank branch and show them an ID they said they have no recourse for this and I must do it or they will close my account and make me pay my balance in full. any help that could be given as to some type of resolution would be appreciated
Bank of America started charging me a $ XXXX safebox rental fee without my approval or proper notification.
I am a victim of a debt fraud scheme involving lines of credits funded by private lenders and fictitious borrowers who are using my name and likeness to hold me responsible for a debt I did not take out. 
On XX/XX/2014 a letter was sent to me from Chase which informs that CHASE records show that the lien release was prepared and recorded on behalf of XXXX XXXX XXXX, XXXX. I have attached the letter from Chase. 
1 ) I am requesting Chase reveal the name of the party that caused the lien release to be recorded or was it " indexed? '' in the County Registrar 's Office? 
2 ) Require CHASE to spell out the name of the borrower 3 ) Inform me if CHASE acquired a conventional loan from XXXX XXXX, XXXX? OR assumed a line of credit from XXXX XXXX 4 ) Did CHASE acquire a mortgage and convert the mortgage to an equitable instrument? When did this happen? 
5 ) Was title to real property transferred to the Trust?
I paid {$1000.00} towards my auto loan on XX/XX/XXXX. I then contacted TD Auto Finance on XX/XX/XXXX to make certain this would not affect my next scheduled Auto draft payment on XX/XX/XXXX. I was told by the representative that because I had overpaid, the next payment would not draft as scheduled. I then requested that the extra amount I had paid on XX/XX/XXXX be applied to principal so that the payment of {$400.00} due on XX/XX/XXXX would draft as scheduled, and the representative said he would take care of that. My payment never drafted, and upon calling the automated system it also appears that my extra payment was never applied to the principal. This is also in addition to all of my contact information being entered incorrectly when I opened the account. I had called in XX/XX/XXXX because I had not received a statement since XX/XX/XXXX, and found out all of my contact information was incorrect, and that I had been in arrears with no knowledge.
XXXX reported an expired account on my equifax credit report on XXXX XXXX XXXX. This is an old account from XXXX that is no longer showing on all XXXX of my credit reports as of XXXX of XXXX because the debt has expired. XXXX transferred the loan to XXXX on XXXX XXXX XXXX. 
The debt was already expired and removed when it was transferred to XXXX. This account from XXXX should be immediately removed from my equifax file. I have enclosed documents to support the account in question.
My husband and I sent a letter to Equifax back in XXXX, asking them to investigate errors on our credit report.  I am attaching a copy of the letter we sent to them.  They are supposed to respond within 30 days, but have failed to do so.  We've tried to follow up with them about this, but we get no response.
Since well over Ten Years Equifax is using the same incorrect statements in the Credit reports of my wife XXXX XXXX XXXX as well of mine, XXXX XXXX XXXX. 
These are the wrong statements : XXXX Time of Delinquency is too recent or unknown. In Fact we do not have any Delinquency. 
XXXX Number of Accounts with Delinquency. 
XXXX Proportion of Balances to Credit Limits Is too High on Bank Revolving Accounts. These are the Facts : My wife and I have XXXX Credit Cards : No. 1 is a XXXX XXXX XXXX card for XXXX Purchases. 
No. 2 is a XXXX XXXX XXXX XXXX card for all our daily purchases/expenditures No. 3 is a XXXX card we have since 20 years, is rarely used, except when traveling abroad. 
No. 4 is a XXXX Credit card. 
No. 5 is a XXXX XXXX card with a 2 % rate for 18 months. 
All of the Balances of these credit cards are being paid off fully on a monthly basis or when otherwise due! 
Based on these facts the a. m. statements in the credit report are unacceptable for us. 
The same is true for the statements in the reports of XXXX and XXXX. 
They seam to feed on each other. This kind of poor/lousy business practice is hurting and has to stop. 
We like to get detailed explanations how the Credit Reporting Agencies collect their information and where they got these wrong statements from. 
Thank you for your help also in the name of millions of people who are negatively impacted, do not know and do not have the means to fight these unsolid business practices. 
This kind of " easy '', unsolid and lousy way to do " business '' has to stop.
I am a customer of XXXX XXXX XXXX. My first complaint is I was never notified about the lawsuit and making a claim. We pay our mortgage every month and somehow we are being charged with {$5000.00} in late fees or other miscellaneous fees. It keeps going up. In addition to this problem, every year according to them our escrow account is short for paying homeowners insurance and taxes. This is almost impossible. I contacted Ocwen about a year ago regarding the processing of our monthly payments and fees to get an accounting history on this and I never received anything. We really need to have this rectified and I believe we should have a part of the claim filed against them as we have been billed incorrectly and right down frauded. I am hoping to get some assistance to fix these errors and compensated for the mistakes that are piling up every month. 

Thank you
On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXX with any advice you can give.
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the authorized charge to be resolved.
I have account from XXXX XXXX XXXX listed on my account, which states opened XX/XX/XXXX and now it shows opened XX/XX/XXXX for amount XXXX and it has been more then 10 years and this item is old to be removed. I do not have a vehicle financed with XXXX XXXX XXXX. This item was previously removed off my credit history. This needs to be removed ASAP!
Ability Recovery Se rvices is reporting accounts on my credit report that do not belong to me. After checking my credit reports I noticed several invalid accounts being reported. I immediate disputed the accounts.  XXXX  fraudulent accounts reported by Ability were removed however they continue to report on another account. I filed a complaint with the Better Business Bureau and they responded requesting i submit a document confirming my identity. I submitted the document but company has not responded. They are continuing to report this erroneous account on my credit report.
After taken a loan for a degree seeking at XXXX University I obtained severe high interest, negative credit reporting and debt increase as a result. Unfortunately, I have yet to make close to what I owe and unable to pay as Navient request or make what I borrow since graduating. I do hear that there is also a law suit with the school I attended XXXX University in regards.
On XX/XX/2019- funds were deposited in error. Bank has refused to reverse payment. Member of the  XXXX XXXX is suffering because of it.
I had an account with XXXX XXXX XXXX  and I never use the account never once charged it. I ended up very sick emitted to the hospital stayed there for 6 weeks and during that time somebody had gotten hold of my credit card that was too XXXX and they charged it all the way to the {$300.00} limit. Every so often I check my credit report on a regular basis throughout the year and I came across the XXXX account listed as derogatory and had multiple months without payments made. if someone would review my credit file I believe it's apparent I was unaware of the charges, I have been excellent with paying bills on time and to keep my available credit around 50 % .so after I found the error on my file I called XXXX and ask them what was going on. I thought maybe it was an error on their end but it wasn't it was somebody who had fraudulently charged my account so I disputed it with them it took a while but eventually they did actually remove the whole account in my favor after I provided enough relevant information that shows that I I did not authorize any transactions to do with that and I will provide that dispute letter that resulted in the deletion as of XXXX that out of the way, my current problem is that while I was fighting XXXX to correct the item, it evidently went into collections and sold to a debt collection agency known as XXXX XXXX . I  thought it would be easy to remove the XXXX account being I do not owe them anything. I have called XXXX, disputed them twice proving to them with documents showing im not in debt to either company. I've felt more than once disrespected when trying to reason with a representative .instead of showing an empathy type of demeanor towards me for having all this stuff to deal with that I don't deserve, I get an offer for them to remove the collection of my file IF I pay only XXXX dollars instead of XXXX. Long story short im either not understanding something or XXXX XXXX is holding this hard credit hit over my head until they get paid something XXXX dollars would be well worth it to be done with this nightmare and I have the means to pay that but it's the principle of how im treated according to my actions. I refuse to pay for something a criminal stole from me.
I am writing to inform you of recent fraud that had occurred on my business and personal accounts. On Monday XX/XX/2017 I was called and alerted to fraud on my business account ; at the time there were XXXX charges in question, amounting to roughly {$1000.00}. I had asked the chase fraud agent at the time to cancel this card and XXXX of my other credit cards that were seemingly missing. But somehow the person committing the fraud was still able to rack up an additional {$9000.00} in charges after my business partner and I had canceled the card with them. And additionally made charges on my personal accounts which I had to call back and dispute later. 

The question at hand is how were they able to charge and additional {$9000.00} when the account was told to be closed. Secondly I was advised by the first Chase Bank agent that the money would be back in my account within 12 hours. Earlier this morning when speaking with a supervisor I was told that it may take up to 48 hours. And then later upon speaking with a Manager I was informed it may take up to 10 days. All of which are completely unacceptable as the fraud should have never increased from the original XXXX charges. 

We eventually recieved our money just to have it withdrawn by Chase Bank again two weeks later. when asked the reason for taking the money out they told us " it was do to account activity after the said issue '' .. we explained we still have other cards with different numbers that were not affected by the fraud and that should have no bearing as the card was cancled, not the account. 

I have written multiple emails and may business partner has been calling multiple times without and response or help. By phone we just keep getting told its in legal and that there is no one to talk to. I could maybe understand wanted to still investigate the first 3 charges, but the charges that occurred after we had both spoken to a representative and canceled the card is absolutely ridiculous. How are we responsible for banking negligence? 

I am a XXXX with several business accounts and personal accounts. I am reliant on that money to pay employees, rent and vendors. I know Chase Bank has always been a strong supporter of XXXX banking but their seems to be something seriously wrong with this process. Should I inform my employees that there will be no pay checks this week because someone did n't stop the fraud on time? 

best
On XXXX XXXX 2017 at XXXX Eastern I cashed out my bitcoin wallet from Coinbase.com. I received confirmation XXXX. It has been 13 days and I still have not had the money deposited into my bank account. Additionally, I have sent them two messages following up on this and have not gotten any response. This company seems to be scamming me and the least they could do is respond and let me know where my money is. It only took 1 day for them to get my money, it should n't take this long to give it back.
THESE ACCOUNTS WHICH LETTERS ARE ATTACHED DO NOT HAVE ANY DELINQUENCIES, PLEASE HELP ME TO CORRECT THEM THROUGH BUREAUS AND ALSO FROM CREDITORS, I HAVE ALREADY RECEIVED LETTERS FROM CREDITORS ( HENCE ATTACHED ) THAT THEY HAVE APPROVED OF THESE LETTERS TO BE INACCURATE AND NEED TO BE REMOVED FROM MY CREDIT REPORTING AGENCIES, BUT BUREAUS ARE NOT WILLING TO COOPERATE PLEASE HAVE THEM TO CORRECT THEIR INACCURACIES. 
THANK YOU
CFPB, In XXXX 2012, I sold a property located in XXXX, CA that had a loan serviced by XXXX. It was listed at {$100000.00}, which would have resulted in a short sale. Fortunately, I was able to get the property into contract and sell for significantly more, thus avoiding a short sale. However, Seterus is reporting this as a short sale, which is damaging my credit. 
I have tried working with Seterus and the credit bureaus to get this corrected, but thus far, have been unsuccessful and that is why I am now asking for your help. 
The property sold on XXXX/XXXX/12 for {$120000.00}. A logical person would ask, " How the heck did they come up with that unusual sales price? '' This was the exact amount needed to fully satisfy Seterus ' payoff demand so there would be no short sale and I would n't walk from close with any cash. Seterus ' payoff demand was {$110000.00}. My principal balance was {$110000.00}. Seterus was paid their full payoff demand which was significantly more than my principal balance and yet, they are reporting this as a short sale. I am trying to refi my home and this is negatively impacting my ability to do so. 
I have reached out to Seterus and the credit bureaus several times ( I am attaching my most recent request ) to get this fixed but Seterus has refused to change their reporting and I have never received an explanation of how they consider this a short sale when clearly, they received a full principal pay off plus expenses. 
I believe the problem is that the sale started with their short sale department and we were told it had to be closed by the short sale department ( even though at the final sales price it was n't a short sale ). But once it started with the short sale dept and was closed by them, it automatically just got classified in their system as a short sale. And no one at Seterus seems interested or cares that this erroneous reporting is very damaging to my credit and ability to refinance my house. It seems pretty cut and dried, but all I get in trying to talk with Seterus is a fax # to which I have submitted my complaint, but it seems to just disappear into a XXXX hole. 
I appreciate your assistance in helping resolve this very frustrating situation.