WillisBack/dataset-financial-user-claim huggingface dataset:
I had Navient/XXXX XXXX as my loan servicer from XX/XX/XXXX-XX/XX/XXXX. During that time, here 's what happened : -My interest rates on my loans were an average 10.46 % -My MINIMUM payment was around {$940.00} per month for 30 months -In XX/XX/XXXX, I called to ask about an Income based repayment plan, and they told me I was not eligible. At the time I was making {$12.00} an hour, living at home with no rent, no car, and STILL could barely make the payments. I still did every single month on time. 
-I requested to have my cosigner released in XX/XX/XXXX, which they denied -I requested a reconsideration of that denial, and they denied it again -I requested AGAIN in XX/XX/XXXX to have my cosigner released, which they denied -I AGAIN requested a reconsideration of that denial, and they denied it again -I tried again in XX/XX/XXXX to have my cosigner released, and they denied it again -I tired for a reconsideration of that denial, and once again it was denied My loans in total with Navient came out to {$67000.00} In the 30 months that Navient was my loan provider, I paid over {$28000.00} In XX/XX/XXXX, I had my loans reconsolidated with XXXX which cut my interest rate and minimum payment in half My loan balance as of XX/XX/XXXX with Navient was {$66000.00} After paying Navient over {$28000.00}, the principal of my loan decreased by {$710.00}. 

When I look at these numbers, the pain I feel is indescribable. Navient robbed me. Navient made me regret getting an education, a privilege that so few people are able to have. My student loans were, and still are, a constant source of struggle every single day. I think about my loans every single day, multiple times a day. This has limited so many aspects of my life, including racking up credit card debit, not taking jobs in my field ( I can't take that job, it pays too low starting out. How will I pay my loans? ), not being able to save money, etc. 

Where did the $ 28,000+ I give Navient go?? What they are doing to our youth is despicable. The interest rates for their loans are disgusting. Navient needs to be stopped.
I called and emailed Wells Fargo Several times asking them to send me via mail or email a statement I started this in XXXX of 2015. Each time I called them I paid exactly what they asked me to pay and reiterated that I was NOT receiving a statement of the account. I went to use the card at XXXX XXXX in XXXX OH and was told that the account was locked. I called Wells FArgo, paid off the baLANCE AND CANCELED THE CARD. i DID NOTHING WRONG IN THIS SCENARIO
XXXX XXXX sent me notice that they would remove an inaccurate account from my report and Equifax has refused to update and remove the information.
I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, XXXX and is now deleted after investigation.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX,
I 'd like to request assistance with a problem I 'm having with XXXX, an employee in the XXXX at NationStar Mortgage. A few weeks ago, I contacted my first lienholder, NationStar Mortgage, asking for a loan modification. I specifically asked for a reduction in the interest rate from XXXX % to XXXX %. I also told them I had excellent credit and that my payments are current, as they already knew. They started the loan modification process by asking for an application and multiple supporting documents, all of which I provided. NationStar notified me I had to resubmit the XXXX, which I resubmitted. NationStar had pre-filled in some of the data on the form and it was incorrect, so I had to correct it and resubmit it. Then, last week XXXX XXXX who was assigned as the point of contact for my loan modification called me and said I had to submit the IRS for XXXX for a third time, but she was n't sure why or what was wrong with it. An argument began after she told me loan modifications are only for people who are behind on their payments. In other words, what she was telling me was that I do n't meet the requirements for a loan modification, but she still wanted me to resubmit the IRS XXXX in order to go thru the motions of a loan modification application despite knowing it would be denied. A day or XXXX after this exchange, I logged into the NationStar Mortgage website, but was unable to access the message center where I intended to complain about this phone conversation with XXXX. I 'd previously sent messages, but after that conversation I suddenly could n't access the messaging function. I still ca n't access it today, XX/XX/XXXX. So, today XXXX, I called NationStar Customer Service at XXXX, but the phone system automatically routed me to XXXX voicemail, multiple times. I can not speak to a NationStar customer service representative because my phone number is being automatically re-routed to XXXX voicemail. I called back blocking my number, and it still went to XXXXs voicemail. I 'm not even calling XXXX number, I 'm calling the main NationStar customer service number. NationStar is servicing my mortgage, but I ca n't talk to customer service because my number is being automatically re-routed to XXXX voicemail. She also did n't respond to an email I replied to asking why she still needed that IRS form for the third time if I do n't even qualify for a loan modification. This is mind-boggling to me.
I have received XXXX phone calls from Exeter Finance Corp on my cell phone. I am not the loan consumer, and I did not provide them with my cell phone number, nor did I give them permission to contact me at all, or on my cell phone regarding this account. This is apparently an account for my brother 's loan. When they contacted me the first time, a couple of months ago, I expressly told them that I have nothing to do with his account, and I demanded that they remove my phone number from their system, and make no further contact with me. I specifically requested a supervisor to whom to provide this instruction, and was transferred to a person whom I was told was a supervisor. This person assured me that my number would be removed from their system. During this phone call, enough information was provided by the representative that I was able to determine that they were attempting to contact my brother regarding a past due payment. This information should not have been provided to me at all, because I am in no way involved with the account. 
On XXXX XXXX, 2015 at XXXX, I again received a call from XXXX, and the caller left a voicemail requesting that I return their call regarding an account. When I called back, my call was answered by XXXX. XXXX transferred my call to a supervisor at my request. My call was transferred to a XXXX, who advised me that he was a supervisor. I explained to him that they were calling me again without my permission, and after I expressly told them not to contact me in the future. I advised XXXX that I would be filing a complaint against them for improperly contacting me on my cell phone, and also, if possible for an FDCPA violation, because I am not a part of the account in question, yet they provided information I was not entitled to have during the phone calls. My cell phone number that they have called is XXXX
As many did, I made a direct property tax payment to my local jurisdiction ( DC ). I sent a QWR to Nationstar/Mr. Cooper indicating the size of the payment ( {$6100.00} ) and with a confirmation from DC ( attached to this complaint ). I requested that they perform an escrow analysis and revise the amount due to comply with RESPA. They did perform an escrow analysis but failed to account for this {$6100.00} payment. Therefore the amount they propose to collect will substantially exceed the maximum they are allowed to hold in reserve.
Servicer, Bank Of America, forged documents to foreclose on debt was  discharged  in banktcruptcy, and the bond holders have not suffered any loss.
Guild Mortgage used dishonest bait and switch tactics to acquire my business, have me pay for : -Home inspection -Boundary survey -Property Appraisal -Flood determination -Second survey for flood certificate ( Per loan investor request ) -Flood insurance ( Per loan investor request ) And once we 're far along in the process they make me change the loan product to something more expensive. 

Case Timeline : XX/XX/XXXX GUILD sent me a pre-qualification letter for a Jumbo XXXX ARM loan ( 4 % rate / 5 % down ) XXXX XXXX I found the house I want to buy and I make an offer. 

XX/XX/XXXX I sent to GUILD a copy of the executed sales contract. The closing date is set for XXXX XXXX. GUILD told we can close in that date. 

XX/XX/XXXX GUILD sent me a loan estimate to sign XXXX XXXX GUILD sent me a loan estimate with the rate locked ( 3.875 % rate / 5 % down ) XX/XX/XXXX ( closing day ) GUILD was nor ready to close and asked to reschedule the closing to XX/XX/XXXX XX/XX/XXXX GUILD sent me the closing disclosure XX/XX/XXXX ( after 45 days of the offer acceptance and 4 days before closing ) GUILD notified me that the " loan investor '' can not approve my loan and the main reason was : " Investor not using any rental income from current property since it shows up on only most recent year of tax returns and two year history could not be established ... no exceptions. '' This is unacceptable, I got a pre-qualifiation letter and after my loan was approved and reviewed by the lender 's underwriters I got a loan estimate and a closing disclosure document. It 's my understanding this is what underwriters do, they validate all the loan requirements and they should know what is the investors guidelines for each loan product. 

At this point GUILD offered me another product of course now this is more expensive. XXXX Mortgages XXXX with 4.5 % rate and another with 4.625 % rate. And now I have to put 10 % down. 
This extra 5 % was a big hit on my family savings and it 's causing financial struggles in home. 

At this point I do n't have another option to accept this new loan product. I was on risk of losing the house my family want. ( Seller have other offers ). 
If I went to another lender I would have to start over all the process. 

XX/XX/XXXX GUILD sent me the closing disclosures for the new loans. Closing date set for XX/XX/XXXX The effective closing date was XX/XX/XXXX
Recently while conducting a monitor of my credit report I discovered that DEBT RECOVERY SOLUTIONS # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to DEBT RECOVERY SOLUTIONS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than basics to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Incorrect information on my account that happened in XX/XX/2015 when i was XXXX XXXX  to my daughter and i tried to explain to them that i have losted my card or that it was stolen but they still will not help me in anyway i showed proof that i was XXXX XXXX  so their was no way I could have been in New York doing fraudulent activity with my card or my bank account but they still turned me down and would not hear me out i still was denied a real chance to plead my case i stayed in hospital from XXXX in the XXXX   XX/XX/XXXX until after XXXX  sometime XX/XX/2015 my daughter was born at XXXX XXXX XXXX something XXXX on the XX/XX/XXXX after they induced me
We were part of the predatory loans in 2007 with Country Wide. We are now with BOA. My friend and I purchased the home and she moved out due to a marriage and what we thought was an impending foreclosure with a mortgage of XXXX. We were XXXX single moms trying to co-parent XXXX kids. I got behind but was determined to keep the house since I had invested my entire life savings of XXXX. BOA agreed to do a loan modification instructing us that if my friend signed a Quit Claim they would remove her name and lower the payement to XXXX. Now the payement is affordable but they tacked on the late fees, past due and additional charges and I owe XXXX ( I had only owed XXXX ). They refuse to remove my friends name and she can not buy or rent anywhere. We were told they would remove her name at loan modification and then at an assumption ( which I did not qualify for ). Second issue : I have had at least 15 Customer Service Rep. each one telling me something different related to payments, etc. Third issues : I can never get in touch with an automated attendant to make a payment. I get paid at the end of the month so I try and pay on XXXX. I can not get a CSR or auto pay. Therefore I started trying to pay online. Twice I was on BOA website for three hours or more ( I have snapshots and documentation ) trying to make a payment without success due to the site would not work and even once for two days a Friday and a Sat. causing the payment to post after the first. Again I have more than XXXX pages of documents, emails etc showing I have tried to call and corresponding with BOA. 
When I look online several other BOA consumers are still having issues. I feel we should have been forgiven principal as well as opposed to all of this tacked on the end and now can not even sell the home. I have hung on for dear life for nine years to avoid foreclosure as a single mom through the crash in good faith doing the right thing and I think BOA should as well.
Hello XXXX XXXX here I deposit money in my account so can setup my birthday vacation.I was able too book hotel but when book cheap airline ticket chase block payment 3 time .I call them a get answer we seen you using your debit card so we block it.It m y money an telling me can, t spend it too setup vacation.they unlock card again i tried got a higher price airline ticked they block it again.I call them an only we sorry we seen u using your an locked your card.now i vacation coming up on XX/XX/XXXX can not airline ticket an all ready paid for hotel.Chase try tell me how too use my own money.took year too get a vacation an money an blocking from using my own money.
XXXX XXXX XXXX from PRAXIS FINANCIAL SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has repeatedly called my place of employment even after being informed not to call my place of employment. 
XXXX XXXX fails to identify himself as a debt collector and just gives his first name and asked to talk to me. 
I informed XXXX XXXX that we had already informed him that he was not to call my place of employment, he denied ever calling my job before. 
XXXX XXXX will not inform me what he is calling about unless I disclose personal information which I am unwilling to do to anyone over the phone. 
XXXX XXXX manner conversation manner is to talk over you and to repeatedly ask you for the same information, he will get a very aggressive tone as to try to intimidate you into complying with his demands.
when paying my mortgage i call and pay over the phone the mortgage company all way harerass me. by say that i am later or i miss a payment an they keep on .this has been gone on for a year and just are try to make say taht i miss a payment they get mad then i dont say taht miss a payment or later i dont what to do iam trying to pay my mortgage that is all
sent them information about inquires that are not mine they just left on there XXXX tu, XXXX
Bank of America shared my financial information with Debt Services companies who within a matter of days sent me letters stating : " we are aware of your current financial situation. '' and offering to restructure my credit card debt. I had contacted Bank of America seeking a reduction of the high APR that kicked in once a 0 % balance transfer offer had expired.
Hello, in about XXXX or XXXX I had received a payday loan from 247 green street which I believe I paid off just not in a timely manner. I also received a pay day loan from Greenstreet Payday loan. I 've been going through some financial hardships in the past few years due to a horrible relationship. Although I placed greenstreet payday loan on my bankruptcy. I 'm unable to get another pay day loan. And due to recent issues that have a risen once again that would benefit me greatly. I hope you can help me with this. Thank you very much.
I opened an account with Bank of America in XXXX. I had been a faithful customer with them for 10 years and never owed them any money. I had a credit card like I said opened in or around XXXX but they offered me a 0 % APR FOR A YEAR I kept asking the terms about this but they just kept telling that I could get any loan without an APR if I did this within one year as that was as long as this offer was good for. They said nothing about additional APR % charges either. It was my XXXX time so I fell for it. Turns out that AFTER ONE YEAR the loan had to be paid off or I was charged an outrageous amount of 29 %. I could not pay them all the money back because I lost my job but kept trying to. They would in no way work with me on this and financially the loan was closed in about XXXX. That was after they took advantage of me by charging late charges etc. Now the worst part is this they are lying about when this was charged off ( XXXX ) so it will not fall off my credit report after 7 years. When I approached them they just sent it to a collection agency XXXX XXXX. Whats even worse they just put that the loan was opened or charged off in XXXX and even put that as the charge off day every year from then on!! So in other words this charged off loan keeps on my record being updated every year and probably will never fall of my record at all since it is past the 7 year deadline. I gave my information and the Bank or XXXX XXXX can remove it from the XXXX credit bureaus so myself and my children will not suffer from no loans.
I pulled my credit report in  XXXX  o f 2017 and noticed t here were  XXXX  capital one bank credit cards opened in my name.  One with a {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact Capital one fraud departme nt they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.
XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX On XX/XX/XXXX I spoke with company on XX/XX/XXXX the company verified they received returned mail saying the mail was un deliverable. I never received any documentation regarding this account and I have disputed with company. The are reporting information that is incorrect. I would like account removed from my credit report. I never received any right to dispute account from this company. XXXX XXXX at XXXX XXXX XXXX. spoke with her on XX/XX/XXXX at XXXX XXXX
I originally was signed up for XXXX through my student financial aide representative at a private, for-profit university. When they switched over to Navient, I had just recently finished my degree and had begun to make payments. Since then, I took a job in XXXX by obtaining a work permit. Since I 've moved up to XXXX, it has been incredibly difficult to pay my loan payments on time. I 'm now being paid solely in XXXX currency, and have been wrestling with a tough conversion rate as well. The main problem, however, comes in the fact that they make it very difficult to pay using XXXX currency. I have been told many different things by different representatives at Navient. The most often recommended route is to get cashier 's checks over the border in the US, and then pay to mail them in every month. To me, this is an absolutely unreasonable request. This has forced me to borrow money from friends and family 's accounts in the US to pay for my loans, and has become an impossibility. This has caused me to miss payments and caused hits to my credit. Overall, the process seems overly-difficult and predatory.
I have not received any kind of notice or any kind of communication for this debt, I have no idea what it is, it just popped up on my credit report.
An account from XXXX that was beyond the statute of limitation and was since removed from credit report just showed up again as a new debt in collections that is 3 months old. This has been disputed with XXXX but I would like to report the collector who is reopening closed accounts.
The information still shows that I went Bankrupt. It has been way .... over 7 years. It needs to be removed because of the Statute of Limitations.