WillisBack/dataset-financial-user-claim huggingface dataset:
While looking at my credit report I noticed the name Navient XXXX. I called the company on XXXX XXXX, 2016 as I had never heard of them and wanted to get to the bottom of the negative marks listed on my credit report and why. I was informed that Navient was a sister company to XXXX XXXX and it was for a student loan. I informed the representative that I had gone to court regarding this matter and that the case had been dismissed. I was then asked if I had submitted any paperwork stating this. I responded that I had not as the attorney representing XXXX XXXX is who had it dismissed and therefor would have been responsible for informing their client. The representative stated that I had a balance of {$3900.00}. 
On XXXX XXXX, 2016 at approximately XXXX I received a call from someone by the name of XXXX who stated she was calling from the Law Firm of XXXX XXXX XXXX and XXXX in regards to a student loan for which I owed more than XXXX. I explained to XXXX that this matter had gone to court and was dismissed. I also explained her that this matter was being disputed. XXXX then informed that Navient did not share that information with them and they were not supposed to contact me. XXXX stated they would not be calling back but that I could send a copy of the discharged court case via email ( XXXXXXXXXXXX ). 
I have filed a complaint with The XXXX. Since filing the complaint Navient has placed a negative 30 day past due mark on my credit every 30 days and on XXXX instances two times in one month. The loan is listed on my credit report as charged off. In documents provided to XXXX Office Navient states the loan is with XXXX.
My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.
As a law abiding gun owner I am deeply upset on how banking corporations are threatening business owners for exercising their Second Amendment rights. 
It feels like yesterday when these corporations received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. Citigroup as well as XXXX XXXX XXXX  have no business threatening law abiding business owners for exercising their Second Amendment rights. The only reason that they are even in business today is because American taxpayers bailed them out during the Great Recession. Instead of imposing its political agenda on the American people, they ought to be finding ways to help these mostly small businesses grow. They certainly shouldnt be threatening Constitutional rights. 
Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. 
Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.
Today, XXXX XXXX, 2017, I received a Netspend prepaid, direct deposit XXXX that I did not request. I never visited their website, never spoke with then on the phone and never sent postal mail, yet, I received a card in my name today.
Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.
License ( this was an attachment to my XXXX application last week ) Money seems stuck in Compliance. I made an error wiring {$10000.00} ( it is on statement as XX/XX/XXXX ) to my closest friend. Im retired now, following a XXXX XXXX, but worked as an XXXX XXXX XXXX and XXXX  ; XXXX  still does. He has an XXXX  visa, but he is a XXXX XXXX  and spends much of his time in XXXX. We became good friends on the XXXX XXXX XXXX XXXX.

My bank, Chase, gives me Private Client status, so the officer in any branch helps me as needed. Rather than send the wire from my usual branch, I went to the one closest to me since I moved two years ago. I look rather pitiful with a XXXX and bad XXXX, but for me the worst thing is the XXXX XXXX in my XXXX. The Private Client officer there told me, when I asked, that I could use my friend 's XXXX address on the form ( for his account, which is in XXXX  ).

I wanted him to have some money to use at the XXXX festivals. I had to remove more than {$11000.00} from my IRA ( necessary when one reaches XXXX  ), so my plan was to send him from that amount, since I am no longer allowed to travel. It hit me afterward that sending it to his XXXX account but using his XXXX, rather than XXXX, address, was not the right way to do it. A couple of days later, someone from the bank called and asked me some questions, which I answered ; they said that now, all in compliance was okay : the wire passed muster.

I received different answers from the bank when I followed up. One person told me that the XXXX   bank was holding the wire ( wrong ). And so on. I then asked just to send the money back to me, but it was frozen.

I called XXXX this morning and left a message. A nice, PATIENT fellow explained the license to me. I had spent the weekend trying -- unsuccessfullyto fill out and send the form. Now I have a very good computer techie helping me.

Ive collected some documents, attached here, from both my friend and myself. All of the necessary addresses and phone numbers are on the form.

Thanks for your help. A swift redeposit would help me, because I am losing investment money daily.

Regards,
XX/XX/XXXX Dear XXXX XXXX and or XXXX XXXX : On or about XX/XX/XXXX I contacted XXXX XXXX about misinformation the company made and placed on my credit report. I disputed the information and contacted the DAC, ( Delinquency Assistance Center ), a XXXX third party partner. I spoke with XXXX who told me XXXX had provided the information I was disputing to XXXX, XXXX and Trans Union.
Specifically, XXXX said XXXX reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said XXXX XXXX  and or XXXX policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting XXXX to request mortgage assistance.
I was approved for a reduction in payment plan in XX/XX/XXXXand thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless XXXX reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts.
Any payments not made on my mortgage occurred because XXXX  instructed me to not make payments until after my modification was completed. I did as XXXX instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from XXXX explaining its policy with supporting legal documentation.
I look forward to hearing from you.
I am a co- signer on a loan that occurred in 2007, when the company was freely giving loans and using deceptive practices in regards to the for-profit schools. I was receiving calls at my home some days up to 28 calls. I am gone during the day to work, and provide a machine for message. I have been abused by the callers. I should have been released from this loan years ago, however that was never presented as an option. 

There was one call that was over the limits of harassment. The lady was scolding me and belittling me, as if she was a parent talking to her child. The call was so upsetting to me. She asked harshly if I paid any of my bills. Did I pay my car payment, Did I buy groceries, If I did this, then why I did n't pay this. I was in tears at the end of the call. I was abused by this call!!! 

The companies response to my complaint was tell us what time and date did the call occur, so that I they could check on it. I have n't been able to supply that, but a company, worker by the name of XXXX XXXX admitted that the call was listened in on, by a superior employee and went to speak to that employee after the call. 

This shows the company lied to us all the time, and deceived us about the call. They should have record of the call, if the employee was repremaneded right after the call. XXXX XXXX apologized for the treatment on behalf of the caller. I would think that the company would want to help get these loans paid, but they do n't seem to want it paid. They always suggest forbearance, so they can get more interest out of us.
On XX/XX/XXXX an account that I had with my credit union was paid in full. 
Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately. 
I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX. 
I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report. 
I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back in XX/XX/XXXX
My loan is in the process of transferring from XXXX to Navient. Navient does not have my information, and I am unable to make a payment - yet, they will continue to charge interest. I have spoken with three customer service individuals over the last two days and been told inconsistent information as to the time-frame of when I will be able to make a payment, ranging from 2-3 days to 30-60 days.

XX/XX/XXXX - Student loan was transferred out of XXXX and this was the last date that interest accrued XX/XX/XXXX - Call to Navient. The customer service rep and his supervisor both stated I may not make a payment until I receive a " welcome '' letter. 
XX/XX/XXXX - Call to Navient. Customer service rep stated I may not make a payment.

XX/XX/XXXX - Call to XXXX XXXX XXXX XXXX XXXX, Office of Consumer Advocacy. They provide assistance to consumers related to loans serviced by them, which is XXXX. However, loan left XXXX and interest stopped accruing with XXXX on XX/XX/XXXX.
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.

The inquiry was placed XX/XX/2017 2017
Equifax was compromised earlier this year and did not release any information regarding this " hack '' to myself or through any mediums accessible by myself. They have contacted me several times in the past, showing they have both my phone number and current email address, however no notification was received. 

After the first false claim on my credit report, I started using XXXX XXXX Identity Protection, however this has not seemed to stop any of the repeated claims on my credit report, most attributed to property, rentals, and two credit cards being issued in my name.
My identical twin is listed on my credit report as an alias or other name. We have the same first XXXX letters of our names and the same last name as well as the same birthday. I understand the confusion howecer I am XXXX and she is XXXX. Her stuff is showing up on my report as im sure mine is on hers. This needs to stop. We are XXXX seperate people who need XXXX seperate reports. I do not know how to fix this.
I recently made XXXX minor debit card purchases which brought the balance in my checking account to a negative status. At the time that I checked the account online there were no fees assessed, so I withdrew the necessary funds from my savings account to bring the checking account to a positive status. 

Two days after I made the transfer, they still applied the {$35.00} fee to each purchase - bringing the total in fees to {$140.00}. After discovering the fees, I then called the bank about it. At that point they reduced the fees to {$26.00} for each transaction, which they referred to as a partial reversal. 

My issue with the matter is that If I made a transfer ( from an account with the same institution ) which brought the status of the account to a positive status - BEFORE they assessed the overdraft fees - why should I have to pay any fees? 

Any help in clarifying this matter for me would be greatly appreciated.
Equifax was subject to the largest data breach in history and my personal information is now compromised.
I was in an Income-Based Repayment Plan with Navient and opted to overpay for multiple  months. I was removed from the Income-Based Repayment Plan for " paying '' myself " out of the plan. '' This was never mentioned  to me as a possibility or a negative of overpaying what was owed each month. I only discovered this was the case because I received a startling high bill and called in to see why my bill had jumped to over $  XXXX . When I asked for an explanation I was told I could possibly be put back into the Income-Based Repayment Plan ( I still had 6 months left without having to re-apply ) and they would make a note on my account. I am still trying to figure out how to allocate my overpayments to the principal. According to their website and the woman I spoke with on the phone, the only way to do this is to mail a physical check and each time, include a payment plan/schedule. Their sample payment plans are unduly confusing and I can not figure out how I would even set  one up with a physical payment. It is misleading and unnecessarily confusing that you can not allocate how your overpayments are applied online. To force a customer to do this manually EACH time, AND only if you 're paying with a physical check, is concerning. I doubt most people under the age of 40 us e physical checks to pay their bills. For instance, my main checking account is solely online and I would n't be able to include a piece of paper if I order a check through them to go to my student loans (   XXXX   XXXX    ). This  is really frustrating as I 'm trying my best to actually pay off my loans.
Beginning in XX/XX/XXXX I disputed a tradeline furnished by XXXX Mortgage with Equifax. I disputed it three times with Equifax - I never did any business with XXXX Mortgage and communicated that to Equifax. 

Instead Equifax reported to me that the information had been verified. On XX/XX/XXXX Equifax told me that paid as agreed accounts will automatically be deleted 10 years from the date of last activity. The information I was disputing had a date of last activity of XX/XX/XXXX and the status showed as paid as agreed. 

On XX/XX/XXXX I received a XXXX Credit Report form Equifax and the disputed information is still being reported with a DLA of XX/XX/XXXX and a status of paid as agreed. 

Equifax continues to provide consumer reports about me containing this inaccurate, incomplete, and unverifiable information when it should have been deleted no later than XX/XX/XXXX!
On XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.
To Whom it May Concern, Im trying to report my credit card for unethical treatment re ; my last monthly bill. I recently charged a vacation for my wife and I on the card so it was somewhat larger than normal. I paid the sent statement in full, always have for life of card, and the credited a much smaller amount. As it turns out the extra interest was charged and I made a total of 5 calls to try to resolve.

The manager, XXXX< finally said a research dept will look into and get back to me on the XX/XX/XXXX of this month. In the meantime I asked for them to provide a copy of the check or documentation and was denied.

In this day of instant communication I find extremely poor customer satisfaction and dont know where to turn. My thoughts are if I have this poor experience other must have too.

They have admitted they read it wrong and research will be in touch. Can you help tell me how to fast track this issue??

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Cell ; XXXX XXXX XXXX Hme : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
There are XXXX addresses that are listed on my report that do not belong to me, but to my former spouse. They are : XXXX XXXX XXXX XXXX XXXX, XXXX Wa XXXX and XXXX XXXX Wa XXXX. I would like them removed from my credit report. I have never lived at these addresses.
In XX/XX/2017 I placed an order online with XXXX for a XXXX pair of boots. The boots were sent to our new address but we never received any billing even though we gave XXXX the information during the order. We are applying for a mortgage and were told that this account had a dramatic effect on my score. In 39 years I have never had any bad debt or issues with paying on time. In fact we have always been tier 1 with no issues. I did contact XXXX multiple times and was told I cant talk to anyone in the department handling the issue and would have to wait until they get to it. The account was paid in full and XXXX removed all late fees associated with the bill. My score seems to have been drastically reduced by this issue and now as we are applying for a mortgage has an affect on our ability to get the best rate. I need to have the scores redone to show this issue was resolved and have my score amended. What can be done to have this issue resolved so as not to affect my mortgage. I cant understand how a XXXX invoice can have that large of an affect on tens of thousands we pay on time yearly. I thanks you for your help in this matter.
Loancare purchased my mortgage from XXXX in XXXX 2017. I had already made my XXXX payment to XXXX and have since made my XXXX payment to Loancare. Both checks have cleared the bank. I have explained to Loancare on  multiple occasions that the XXXX payment was sent to XXXX and have assured me that they would get that from XXXX. But, they have continued to hassle me duringXX/XX/XXXX for the payment and I just received a default notification in the mail with threats of foreclosure. My credit rating is very high, because I always pay bills on time. This is nothing short of harassment.
IRS sent a notice of a tax lien. Upon the same date of making payment, XXXX/XXXX/2010, I learned that a tax lien was filed. Have not been able to get any help from IRS or credit bureaus as to why a lien was filed on the same day it was paid.
Macy 's Credit Dept continues to call after payment to bring account up to date has been made. They are the only creditor to call if you are one day late on a payment. Also, when the past due amount is made and acknowledged they continue to call because their system does not update the minimum due for the next month after a payment is made. Example - payment amount due on the XXXX of the month is XXXX. It is made on XX/XX/XXXX. Minimum due the next XXXX of the month is not updated with one day late payment. They charge you a late fee ( which I understand ) but continue to call asking for a " post dated '' check for the NEXT month 's payment which is 25 days away. XXXX????
IVE ASK THEY COMPANY TO VALIDATE THERE DEBT THEY HAVE FAIL TO DO SO. AN STILL REPORTING THIS BAD DEBIT TO CREDIT REPORTING AGENCIES
Chase Bank account rep XXXX XXXX tonight advised me that their system is down and they are not notifying or listing debits made from my checking account. This is a problem because people might be stealing money from me without my knowledge. He also said they may never notify me of these transactions. I caught them tonight but could this be happening regularly.
After canceling my service With XXXX attempted to pad my bill with false charges. Bill went from $XXXX to almost $XXXX. I was told at XXXX I had to pay an early termination fee but I reminded them that I was not under contract for over XXXX years or more. After months they finally corrected my bill and I paid them in XX/XX/2011. They call themselves making a settlement after high jacking my bill for much more than it was suppose to be. Never could explain what the extra charges was for. Never sent a paper bill at all only a letter stating what they would settle for in a full payment, which was still more than my last bill should be.
OnXX/XX/XXXX when I purchase my vehicle, dealership and Prestige stated that after one year of successful timely payments that I will be getting a lower interest under XXXX percent. 
Is alreadyXX/XX/XXXXand the promises that Prestige Financial Services has n't been implemented. 
Also my balance of my XXXX XXXX XXXX of XXXX miles is not lowering because of the high interest rate of 17 %. I purchase vehicle on XX/XX/XXXX for {$20000.00} and my present balance is at {$18000.00}. 
I am having a very difficult time in selling my vehicle because Prestige payoff is around {$18000.00} in which my vehicle is only worth around $ XXXX {$14000.00} on XXXX XXXX XXXX and with a trade in value of {$13000.00} if my vehicle loan is paidoff, in which is not paid in full. 
Also I just receive a Safety Recall Notice on my XXXX XXXX XXXX XXXX on XXXX XXXX and I have a very safety concern. I took my vehicle to XXXX XXXX on XXXX XXXX at XXXX for Safety Recall at XXXX XXXX XXXX, XXXX XXXX XXXX CaliforniaXXXX XXXX. 
Also, because of XXXX Recall there is a XXXX XXXX XXXX against XXXX in which my name was included on lawsuit. 
I feel very unsafe on this vehicle that was sold to me on XX/XX/XXXX and dealership in XXXX, Texas failed to provide me the inspection report as I requested and dealership did n't want to provide on safety report on my vehicle when I purchase onXX/XX/XXXX. 
I had safety issues when I drove from XXXX, Texas to XXXX, Texas when I purchase vehicle on XX/XX/XXXX I took my vehicle to a XXXX, Texas mechanic shop onXX/XX/XXXX and mechanic revealed safety issues and I had to pay the charges on safety issues. 
Bad tires, wheel alignments, bad battery, change of oil, etc there was a charge of around {$1000.00} I am in California on my XXXX XXXX Medical Treatments with my XXXX XXXX XXXX. 
I am XXXX and XXXX and a XXXX XXXX XXXX XXXX XXXX. 
Notice : I am sending evidence of documents to CFPB by email. 
Very Urgent Matters.