WillisBack/dataset-financial-user-claim huggingface dataset:
I have several student loans with Navient. What used to be   XXXX   XXXX    when I first got them. Shortly after Navient took over things for very complicated. I have always tried to use the Financial Based Repayment plans I apply each year. The first year I applied with navient in   XXXX   I applied online per usual in   XXXX   since my repayment plan was up in  XXXX . I received a letter stating it was received and being processed. In the meantime I received my   XXXX   statement for the bill due in  XXXX  stating I owed {$0.00}. Soon after that bill was already due I recieved a letter stating the repayment plan was excepted and my new payments will be a certain amount. It says nothing about making a payment at that time and was not a bill. Just a letter stating what my new payment will be starting on my   XXXX   bill. However two weeks later I get a late notice stating that I owe the amount as well as late fees. I called them right away and the lady stated she saw the problem and fixed it because I did not owe anything for  XXXX  and my new bill in  XXXX  should have the new amount. She saw there was no bill sent out for the amount they said I was late on at all. I thought it was all done and taken care of at that point. However over 6 months later I receive a letter stating that my interest percentage rate and loan were both going to be increased because the loan percentage rate was based on me not having any late payments and I had one the following  XXXX  according to their records. I again called immediately they again said they saw the problem and would investigate and take care of it. Nothing heard from again at the end of the year I got my statement and I saw my loan went up quite a bit. I have called, emailed and tried several times for them to fix the error they made and get my loan back down and my rate back down. I keep being given the run around and going in circles and nothing has been done.
In XXXX XXXX, we completed a mortgage refinance with Bank of America. The major feature of the refinance that we insisted upon was no Escrow Account for the XXXX Property Taxes or Property Insurance. We were going to make the payments directly to XXXX Real Estate Taxes and Home Owners Insurance. 
The final Mortgage Refinance Documents were signed with no Escrow Account. The XXXX Property tax that was due on XXXX XXXX, XXXX was included in the closing agreement. Per agreement going forward we will continue to pay the XXXX Taxes ourselves. 
When the Tax Bill from XXXX Department of Finance arrived, we discovered that the quarterly bill had been paid by Bank of America. We contacted Bank of America immediately so that they fix the mistake. 
We believe that Bank of America has broken the terms of the Refinance by imposing an Escrow Account and adding the interest of the Escrow to the account. The current statement dated XXXX XXXX, XXXX from Bank of America clearly shows their disregard for terms of the original refinance agreement. 
Presently, we paid in full the XXXX Real Estate Property Taxes for the period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Since Bank of America is well aware of the mistake they made, they should request a refund from XXXX Department of Finance, but instead they have chosen to break the contract and do what is most convenient for them.
The Thomas Agency Inc. did not forward information to the updated address of my company listed with the State of Maine. Instead, they knowingly used unverified information to send sensitive financial information to a previous address that is not associated with my business and was never contact information provided to them by myself or the company attempting to collect. 

The Thomas Agency Inc., upon being confronted over the telephone with this fact on XX/XX/2018, maintained forcefully that they are not obliged to verify the information they obtain and that they are free to send my company information to whomever they wish. 

My company 's address is up-to-date with with the Maine State business registry and on it's official web site. The information The Thomas Agency Inc. willfully used was provided to them by XXXX, a data aggregation and sales company that holds no license or accreditation. 

I requested that they only send information to the updated address, available freely on official registries and provided directly by me. They threatened me by telling me they were free to send my information to whomever they please and would continue to do so, citing that the account is a corporate account and not a personal account. 

As an agent connected to the original company requesting debt collection, XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated there Privacy Policy.
They have elected to apply my payments to interest only, thereby artificially extending the terms of the loans. I can not believe that it is legal to extract interest only payments, I would expect that even in the toughest amortization schedule it would be impossible to never see the principal paid down after 15 months of payments.
duplicate listing on my report. the debt was transferred to another company. I paid it but the original listing still appears on the report.
Person you dealt with : PNC XXXX XXXX Branch Office Rep Description of complaint : Went to branch office to make deposit on XX/XX/2018. Was asked how I liked PNC 's reward points program. I explained that I wasn't aware of the program. The representative began to explain the program and how it worked. I asked how many points did I have. He explained that he could not see that information on his screen. He proceeded to give me the phone number to the PNC department who could give my accumulated points total. I called several days later and was told about the program. I thought that was the end of it, until I received a notice from PNC bank declining approval of a credit card. I NEVER APPLIED FOR A CREDIT CARD. I immediately called the phone number listed on the form to ask for additional information. I told the story to the representative. I have since received a call and email from a PNC representative investigating the matter. This is of utmost concern to me, as I feel that I have been violated. Also, the inquiry made by PNC is noted on my credit report. I am actively seeking employment and background checks ( which include credit checks ) is part of the process. This unauthorized inquiry will have negative consequences due to no fault of my own.
Transunion Credit Bureau is reporting employment information for me for companies/employers which I longer work for. Twelve years ago I temporarily worked for a company less than three months, this employer is still showing on my Trans Union credit report. I tried to dispute this matter with the Trans Union Credit Bureau several years ago and was not able to get a satisfactory response from them as to why they have that employer reported or get a date as to when it will be removed from my file. They also have another employer reported from 2009, which I no longer work for and I am uncertain on how to have the employer removed as Trans Union Credit Bureau is the only credit reporting agency that has employment information listed for me which also happens to be outdated. I have applied for credit in the past and have been asked about my current employment status and then asked about the companies listed on this report which then complicated my pursuit in applying for and securing credit and loans.
My dear Mother passed away a year ago. Mom and Dad had a joint account at the time with the Banco Popular of Puerto Rico. The bank immediately froze both the savings and checking account. The Banks ' excuse was that they following Puerto Rico 's Inheritance laws. I contacted the banks ' legal division and spoke with the Attorney XXXX XXXX. She informed me that if I and my XXXX sisters showed up in person the bank would unfreeze the accounts but she had to confirm if some documents were confirmed. Attorney XXXX can be reached at XXXX XXXX, ext. XXXX XXXX.
This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
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My original student loan with Navient was {$7700.00}. It is now {$12000.00} down from {$14000.00} at it's height due to diligent payments. I feel like I'll never get it paid off. While in school ( XXXX to XXXX ) and during a phase of unemployment during ( XX/XX/XXXX to XX/XX/XXXX ) they offered forbearance as my only option. I took it. Then they capitalized my interest in the amount of {$5500.00} and charged a repayment fee of {$390.00}. My interest rate is now 11 %. My payments go to pay the interest on the interest, barely touching my principle. I've called them to ask for a lower interest rate. They have refused multiple times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Their record keeping is less than professional and their staff is untrained in providing options for borrowers.
TIME IS OF THE ESSENCE! 

XXXX XXXX has been determined to be XXXX by XXXX. XXXX has designated someone to deal with Wells Fargo on his behalf, to explain details. A form for designating this person needs to be provided by Wells Fargo. 

Wells Fargo Representative, XXXX XXXX? XXXX XXXX XXXX XXXX XXXX left voicemail. when that number is called, someone else answers. XXXX XXXX needs to not be given the run-around, but have assurance that his concerns are being addressed. 

A voicemail was left at the above XXXX XXXX # XXXX ) for a single point of contact with Wells Fargo . 
2 ) for a modification packet to be delivered to XXXX XXXX XXXX XXXX .. 
3 ) for a Wells Fargo form to be XXXX, in order to be signed by XXXX XXXX to have a designated person to assist with transaction details.
I AM AWAITING A RESPONSE FROM ALL XXXX CREDIT BUREAUS. I have contacted Herbert P Sears Co at XXXX XXXX XXXX XXXX CA XXXX the collection agency for the Original Creditor : XXXX at XXXX XXXX XXXX XXXX XXXX, California XXXX, both by Certified Mailing on XXXX XXXX, XXXX regarding account # XXXX. 
HP Sears, to this date, has failed to submit a response to me. 
This account is not mine. I had FULL Benefits Medi-cal at the time I and my family ever had service done with XXXX XXXX and since XXXX when HP Sears have said these debts were incurred, I had XXXX. These are not my debts and HP Sears refuses to show me proof that these debts are mine. I know this is a common practice for HP Sears via XXXX to ignore any and all " Dispute Letters '' from any and all consumers, as I have come across many consumers with the same false reporting tactics that HP Sears has filed with all XXXX reporting agencies. I also am aware that this is a common practice for this company to not comply with FTC, FDCPA and FCRA. These companies just do NOT care. 
Please see the letter attached to HP Sears. I kindly requested proof of payment showing late payments, how it was made ( form of payment ) and when it was paid on. HP Sears never wrote me back.
While applying for a personal loan in XXXX XXXX, it was discovered that Bank of America never released the lien on my mortgage. According to the letter they sent me, this should have occurred in XXXX XXXX, when I switched to XXXX XXXX XXXX XXXX. After numerous phone calls from me, I was given a request # XXXX. Bank of America eventually determined that XXXX XXXX Mortgage, who had previously held my mortgage, was out of business and Bank of America was trying to get someone to sign off on my loan. I have been calling weekly and waiting for something to happen ever since. I have been given several names of agents supposedly in charge of my case ; the names change frequently. The latest name I was given on XXXX XXXX, XXXX was XXXX XXXX, but other names I 've been given are XXXX XXXX, XXXX XXXX and XXXX XXXX. However, I 've been told I can not contact these people directly. My message is supposedly passed on by whichever operator picks up my call. Considering I 've never spoken directly to any of the these people, I have to wonder. It has been extremely frustrating dealing with this bank and as of yet, the lien is still not released. It 's a good thing I was n't waiting to sell my house tomorrow. It has been XXXX months and I 'm still waiting!
I have an unverified account from Calvary Portfolio Services, LLC. I have previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe.

Cavalry Portfolio Services , LLC has reported a collection on all 3 credit reporting agencies onXX/XX/XXXX & XX/XX/XXXX. I sent registered letters to Cavalry Portfolio Services , LLC requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX andXX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received.

Again they failed to provide the information I requested. Instead, they sent letters dated XXXX & XXXX   requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''.

I have requested that Cavalry Portfolio Services , LLC, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio Services , LLC is unable to provide the above identifying account information, this account must be deleted from all 3 credit reporting agencies. This account is effecting negatively on all 3 credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue.

The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.

I have not now, nor ever had any contractual obligation or arrangement with Cavalry Portfolio Services , LLC.
GC Services Collection agency employee XXXX or XXXX XXXX contacted my employer and spoke to the receptionist about my debt and told her that if I do n't call back today, they will garnish my wages.
Hi, I was recently hired to help pay my bills. I have submitted a loan modification with Wells Fargo a couple of weeks ahead of my foreclosure date. Wells Fargo kept asking for more documents which had my foreclosure date quickly approaching. I was notified 7 days out that the could no longer accept my loan modification documents. I asked if I could sell the home. Wells Fargo reply was yes. I hired a realtor before the sale date. The realtor was notified a day after the foreclosure that they could no longer accept sale documents.
XXXX XXXX XXXX  needs to delete and remove this fraudulent account from my Equifax credit report immediately. Your company failed to provide proof that my rights have not been violated.
I had all 3 credit bureaus remove an old debt from XX/XX/2014 ( estimated ) that XXXX sold to a debt collector named Contract Callers Inc. due to not having a contract with Contract Callers Inc and the age of the debt. They disputed my dispute and XX/XX/XXXX and XXXX XXXX added it back to my report. Contract Callers Inc made the debt date new and they continue to report this old debt of {$100.00} over and over. Had I not challenged it, it would have already dropped off my report on its own ( I didnt owe XXXX that money anyway but thats not in play here ). Its unfair this company has extended the time period it shows on my credit report. It should be removed immediately.
XXXX XXXX, 2017 Re ; Conveyance Modification for XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Good afternoon, We are submitting this complaint today, with the hopes that you will be able to assist us in resolving this matter with Bayview Loan Servicing. We have been working on a Conveyance Modification with Bayview for 3 years now. Over the course of that time, Bayview has repeatedly and intentionally caused the valid dates on documents to laps on file and closed our file - claiming that they never received said documentation. 

For nearly the last year we have been working with a single-point-of-contact by the name of XXXX XXXX. She has personally been responsible for this deception and her overall handling of our file has been incredibly distasteful and discomforting. Her continued discontent and condescension has made this an absolute nightmare. 

From what I have come to learn, many individuals, trying to modify their loan with Bayview, go through this same process - repeated and deliberate misinformation and requests to submit the same documentation over and over again and As of recent, Bayview has requested that we send them the SAME 'updated XXXX form ' - on FOUR SEPARATE OCCASIONS. Each time claiming that it was a new documents. 

We have all email correspondence on file, if you would like them and can provide you with a breakdown of the sheer mind-numbing amount of calls we 've had to make and resubmissions we 've been forced to provide them with - all for no reason whatsoever. 

Our goal here is to Simply convey this modification loan into my mother 's name, as my father XXXX XXXX years ago. 

Bayview Loan Servicing - XXXX XXXX XXXX - primary point of contact XXXXXXXXXXXX THANK YOU for your assistance with this!
I received a threatening phone with a voice mail message on Friday, XXXX XXXX 2016. I returned the phone call and spoke with a gentleman and told him not to call my number again. The became disrespectful, and stated that I should pay my bill and that he would not respect my wishes and would/has continued to call my number. The gentleman is calling from XXXX XXXX XXXX XXXX. The gentleman is not aware of my circumstances and should n't assume that everyone 's a dead beat. When I took this loan, I had nearly a {$10000.00} annual income. I 've since fallen on hard times and barely have a roof over my head.
I paid off a small XXXX mortgage with US Bank on XXXX XXXX, XXXX. I started calling two weeks later asking about the release of lien. I 've been given the run around since. They made excuses about delays because of the holidays. Then they admitted that they had n't filed the paperwork and would do so immediately. This was in XX/XX/XXXX. I followed up in XX/XX/XXXX. At this time, they used the holidays again as an excuse for the delay. Then they said that they had filed the paperwork with my local county clerk. I called the clerk and they had never received any paperwork. Back to the bank. Then the bank said that they could n't resend the paperwork and if it got lost in the mail or lost at the clerk 's office it was n't there fault and there was nothing they could do. They refused to email or fax the paperwork. This was coming from a mortgage supervisor. When I asked for her name, she hung up on me. I then reached out to an upper management officer, in a different department, and she tried to help and gave me another phone number to contact. More time passed. She got a number for me and when I called they admitted that the paperwork had never been filed but would n't tell me why. They promised to overnight it. This was on XXXX/XXXX/XXXX. They did not overnight it. I kept contacting the clerks office, nothing. I contacted a lawyer on XXXX/XXXX/XXXX and he was going to write a letter to the bank. I confirmed one last time with the clerks office and they had received the paperwork on XX/XX/XXXX and they had processed the release. As of XXXX/XXXX/XXXX, I still have n't received any paperwork showing that the lien has been released. I 'm trying to sell my home and buy another. When my credit was ran on XXXX/XXXX/XXXX, the mortgage balance was still there, even though US Bank has had my money since the beginning of XXXX, XXXX. Even without releasing the lien, they had their money and should have reported it to the credit bureaus. On the same day I paid off US Bank, I paid off a loan at XXXX XXXX XXXX XXXX XXXX, which is now under XXXX XXXX XXXX. When my credit was ran on XXXX/XXXX/XXXX, guess what, that loan is showing on my credit too. All of a sudden, I have too much debt and guess who has a higher interest rate on their new loan. I 'm totally frustrated. I 've been lied to, hung up on, treated with total disrespect and I 'm still paying for their inability to properly do their jobs by having a higher interest rate on my new loan. US Bank even had the nerve to offer to help with a new loan. Do n't think so.
my credit score has been XXXX for over a year and the past 7 months nothing has changed dramatically to warrant a NEW SCORE OF XXXX? Are you really doing this to me Experian? I am a member that looks and updates my report daily so this significant drop in my score needs to be explained .... NOTNING NEGATIVE HAS BEEN ADDED TO MY REPORT SO WHATS GOING ON WITH MY NEW SCORE THAT HAS DROPPED ME TO A MEDIUM RISK FROM A LOW RISK TO LENDERS AND WILL AFFECT MY LIFE IN A BAD WAY ... .I DONT DESRVE THIS XXXX ... ..
CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS ACCOUNT
I have tried to open a bank account for over a year now and all the banks have told me that because of my XXXX file I'm not able to open an account. I have received my file via mail but I still don't understand what a XXXX is or why I can't do one of the many basic needs. The last bank I went to was XXXX XXXX XXXX and they helped me find the website to get my file but there is no working number to speak to someone about my file.
I recently refinanced my HELOC with Bank of America to lower my payment and specifically requested a fixed interest rate loan multiple times. During the application process my loan officer reassured me he would get me into a fixed rate loan. After 6 months of making my new payment amount, my statement had a note on it that my payment was increasing and I had a variable interest rate. My new payment amount is more than what my previous payment was after the interest rate change! I do n't understand how this happened when my loan officer reassured me multiple times the loan I was getting into was a fixed rate. On top of all of this, I now can not make my payments online anymore like I was able to with my old HELOC. When I called in to ask about this, I was advised I have to have a Bank of America account to pay my HELOC account online. That makes no sense because I could make my old HELOC payments online just fine without a BAC account. I 'm completely unsatisfied with the product I was given and having my payments be more than they used to be. This is a hardship on my financial situation.
My monthly payments were extremly high. I asked to have my loan payments lowered since I could not afford what they were asking me to pay back a month and my credit was being distroyed. They said the could get my loan to under {$100.00} a month if I filled out and submotted all the proper paperwork. I did that and my loan amount never changed. When I contacted Navient, they kept telling me about more paper work I needed to file and never got my payments lowered. My credit is poor now becuase of not being able to pay for my student loans and Navient being unhelpful and giving me the run around.