WillisBack/dataset-financial-user-claim huggingface dataset:
I have my student loans serviced through Navient. My payment started around 600 and then went up to XXXX. I was not notified. When I called to inquire why this took place, they told me that my forbearance ended. I was not aware I was in forbearance. At that point, they did an income driven amount and the new payment would go back to around 600. They placed me in forbearance in order to get " caught up '' with the past fees and payments ; which was capitalized. About 12 months ago, when my forbearance came up, I was under the impression that my payment would return back to around 600. No! My payment was XXXX bucks. At this point very frustrated, but I contacting them again. My income decreased, so they told me that I would qualify for the income driven payment program and said my payment would be around 300 a month. I was told to call back in XX/XX/XXXX to make sure this as approved, because that is when my new payment of XXXX would be due. This inquiry took place XX/XX/XXXX. I just got off the phone and XXXX ( Navient rep ) stated " this was approved in XX/XX/XXXX for XXXX per month, you are 60 days past due. In order to get you caught up again, you need to agree to forbearance so that the XXXX will be capitalized and then just pay a payment of XXXX for XX/XX/XXXX payment and you will be up to date. My payments are now scheduled on the XXXX of each month for the amount of XXXX. I am concerned that they will all of a sudden bump my payment back up without any notification. Plus, the amount that has been capitalized over the life of my loan has been a large amount. I currently now owe XXXX ( I got my XXXX-XX/XX/XXXX ) but ended up out of school with much less debt. Thank you!
I used my DirectExpress card at an ATM near my house, and subsequently lost it. When I sought help from an advocate to resolve the issues of fraudulent charges made to my account, I have encountered nothing but terrible customer service, or complete lack of service altogether. The institution refused to reimburse my fraudulent charges in a timely way, ( or at all to date ) they refused to speak to my authorized advocate who I enlisted to help me. The institution was often difficult to reach by phone and then would not answer my call. The paperwork associated with making a fraud claim was completed in a timely and thorough manner, and within a few days, they rejected my fraud claim and did not provide any documentation to validate their findings. I have since tried to contact customer service and have only reached a recording explaining to call back at another time.
Approximately six months ago, citi requested that I change the email on my credit card accounts. I asked them to make sure that the email got changed correctly on all of my citi accounts and they assured me it would be. This was important because I only receive email statements and not mailed statements. However, citi failed to change the email on one of my accounts. After that, I no longer received email statements for that account and the account no longer showed up on my online account. Because I was not receiving statements and it did n't appear on my online account, I was unaware that an annual fee had hit and I owed money. After I missed a payment, citi began calling me. I returned their call and asked them to go through each of my accounts with me and ensure they were all fully paid and in good standing. We spent approximately fourty-five minutes on the phone and went through each of the accounts they had on record for me. They assured me all of my accounts were in good standing. However, I continued to receive calls from Citi. When I picked up the phone, they said I had an account past due. This was despite the fact that I had just called citi and they had assured me all my accounts were in good standing. Apparently, even Citi had failed to locate this account. Because this account was over thirty days past due, Citi reported the late payment to the credit bureaus. However, the late payment was due solely to Citi 's forcing me to change my email address ( thereby making me reset my online account ), Citi 's failure to change the email on this account despite assuring me they had, and their failure to locate my account when I called specifically to ask about it. Months ago, we spent hours on the phone witht them trying to get online account access straightened out, and Citi was unable to get this straightened out, resulting in this late payment that due to their poor systems, even they did n't know was owed.
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Original creditor continues to sell collection included in a XX/XX/XXXX chapter XXXX discharged bankruptcy. The new open collection has been removed in the past and returned under a new company. The collection is from XXXX XXXX and should be deleted and not appear as an open collection,. I disputed with XXXX and status remains open and states consumer disagrees it should not be open. Creditor needs to close or delete collection per BK law or be fined.
I applied early on Wednesday. I was told I had applied and was approved early enough to have the money in my account the next day. I did not. I called and was told it would be in my account the next day. It was not. I waited another day and on Saturday, still no money. I called and was told they had a " system error '' and that I would get it Monday. Well, I doubt I will. Even if I do, that is almost a week later than I was assured I would get the money. I asked about adjusting my payment date and was told they could n't. I asked about lowering the interest charged on the first payment, since I was now, at best, getting the money 3 weeks before the first payment is scheduled instead of almost a month. I was told they could n't change anything. They are charging me interest on money I do not have. This can not be legal.
On XX/XX/XXXX, I received an email from several student loan companies telling me it was time to re-certify for Income-Based Repayment. On XX/XX/XXXX, I filed re-certification paperwork with www.studentloans.gov -- copy of email verification attached. On XX/XX/XXXX, I received notification from American Education Services that the student loan re-payment paperwork was received from www.studentloans.gov -- copy of email attached. On XX/XX/XXXX, I received an email from American Educational Services that I was denied the request for income-based repayment, with no explanation given, and told to see an upcoming letter for the reasons -- copy of email attached. I recently received TWO letters on XX/XX/XXXX from American Educational Services, both arrived on the same day and both dated XX/XX/XXXX. The first letter stated that I was denied because " I applied too early '', the second letter once again stated I need to re-certify for Income Based Repayment given a due date of XX/XX/XXXX. Then rejected for " too early '' and told to reapply again with deadline. I called the company today on XX/XX/XXXX to discuss the issue. The customer service representative told me I should consider re-applying in XX/XX/XXXX!!!, because of some XX/XX/XXXX date in their system, despite the fact that the letter has a deadline of XX/XX/XXXX. I told the rep about the XX/XX/XXXX date and the rep said " try applying again end of XX/XX/XXXX and see if that works ''. Terrible! I have not had this kind of problem with ANY other student loan company. All my other student loan companies have received the same info from studentloans.gov at the same exact time in response to annual re-certification and approved my request with no hassles. I am greatly dissatisfied. People should not be treated this way and have to be at the mercy of random games played by a student loan company, when you have no clue what you actually need to do to satisfy their rules for Income-Based Repayment.
Wrong address I only lived at XXXX. 
XXXX, NY XXXX And XXXX NY, XXXX All others are wrong never lived there or incorrect address That do n't exist. One address is where my ex wife lived not me.
I have never been past due on my auto payments with GM Financial, I contacted the company directly and they had two numbers wrong on my card number, they had access to my account to pull money out of. Requesting removal of the 2x 30 days late.
I am behind on my loan payments to One Main Financial. They are illegally calling my family members. 
They have called my mother in law twice. They talked to her once about my debt and then left a message the second time. 
Then today they called my father in law and left a message. 
The person making these calls is XXXX XXXX from One Main Financial Office in XXXX, TX XXXX I have not given them permission to contact my family! I told them on the phone I am currently unemployed and not able to make any payments at the moment. 

XXXX XXXX.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XX/XX/2016 Equifax sent me the results of the investigation report and stated that the following items were removed. 
Real time solutions acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX However as of today the items have been placed back on my report. I am not asking for a re-investigation I am only asking that they remove the items as they were previously removed and replaced with out notification of the items being reinserted to my report.
XXXX XXXX sold my XXXX XXXX XXXX without informing me of a sale date. They told me that they did not have to tell me who they sold the car to. I know that this is illegal. By law Inwas supposed to be given first choose to but the car. I want to rescind the loan and get my car back from the person they sold the car to.Title XXXX are crooks and they need to be exposed.
Received multiple letters/phone calls from Frontline Asset Strategies , LLC, trying to attempt a debt. Requested a notarized debt validation letter between self and Frontline Asset Strategies , LLC.
XXXX XXXX XXXX made no effort to correct their errors and continue to submit incorrect information to the credit bureaus. New Documentation attached Consumer unsatisfied No correction to consumer credit report as o

f XX/XX/2017. Capital One deceivingly removed their once reported cha
rge off and closed status as years past, and now reports that the account is active and 120 days past due amount {$120000.00} only which is false information. Capital One is repeatedly omitting the charge off status and is attempting to conceal and eradicate that a charge off ever existed. Therefore, I am requesting that CFPB enforce XXXX XXXX XXXX to report a charge off and closed status to all credit bureaus or to remove the inaccurate account. I am completely unsatisfied with the results of Capital One response dated XX/XX/2017. Capital One erroneous reporting caused me not to receive employment at the white house.They are reporting only to collect a debt with an amount that 's outrageously wrong that was previously charged off and past the statute of limitations.
Portfolio recovery associates.is reporting an old debt that is too old to collect and show on credit report. The original debt was from XX/XX/XXXX originally delinquent XX/XX/XXXX and written off by the origin creditor, XXXX, XX/XX/XXXX. Portfolio Recovery is now showing an open date of XXXX XXXX with recent derogatory marks on my credit report. This is an old debt and should no longer be reported. I did contact the original creditor and they confirmed the dates and the fact that the debt is too old to report on credit report.i have made several attempts to dispute this with credit reporting agencies but nothing has worked
Carrington mortgage company is in direct violation of the u s treasury dept making home affordable program guidelines. 
Specifically chapter 2 section 6.3.1 as per mha guidelines version 4.5 dated XXXX/XXXX/2015. 
Carrington mortgage is in direct violation of mha guidelines chapter 2 sections 6.3.2.3 and 6.3.2.4. 
Carrington mortgage approved me for an in house modification and neglected to exhaust the XXXX approach financially harming me at least {$72000.00}. 
Carrington mortgage has neglected to provide me with the npv test results conducted on or about XXXX/XXXX/2015. 
By approving me for an in-house modification, and not following the XXXX guidelines, is blatantly unfair and deceptive.
On XX/XX/XXXX I seen in my online account that there were multiple charges on my account that I didn't authorize. 1 charge was for {$1.00}, it was credited back to my account and then another charge for {$4.00} that's was also credited back to my account. There was another charge to XXXX XXXX for {$50.00}. So at XXXX when the XXXX number stated the customer service would be in I called. I was told by the over the phone person that there wasn't anything they could do until the payment posted. Which makes absolutely no sense to me, but they did give me the phone number for XXXX XXXX to try to get the charges stopped. She also stopped my bank card and stated they would send me a new card. I then called XXXX XXXX and they told me there was nothing they could do for me, that my bank would have to help me. Something about it being against the law to look for my card number in their system. 
Then on XX/XX/XXXX I checked my account online to find that the {$50.00} transaction did go through my account and I was also charged {$5.00} for a new card. I took off work to go to the bank, but not before calling other banks in my area to find out if this is how this should work. Other banks stated they would leave the amount pending until they had a chance to investigate the situation and wouldn't charge me for a new card for something that wasn't my fault. I went into my local BB & T branch where I was told I had to fill out an affidavit and it could 72 hours or more for my account to be credited back, and also that my charges didnt look like fraud to them. Mind you I live at least 9 hours or more from XXXX! Only when I said it's going to be rough not having access to my account did XXXX even offer to give me temporary card. So now I still have another {$1.00} charge on my account, and wondering if more fraudulent charges are going to come through my account and mess up my XXXX!
I just began this lease with XXXX XXXX. My 1st payment with XXXX XXXX   was due XX/XX/XXXX. I went onto their website on XX/XX/XXXX and processed my payment, however, on my bank statement it came up as being withdrawn twice. Once on XXXX XXXX for {$460.00} and once on XXXX XXXX for {$460.00}, not sure why one is {$3.00} more. I called on XXXX to get the {$460.00} returned to me. They told me to fax my bank statement ( attached ) showing the payments cleared to their account servicing department. I have faxed this information 3 times since Tuesday and they are still claiming as of this morning they have not received it ( I have the fax confirmations for all 3 if needed ). I had an initial problem with faxing anyway since it's not secure and I'm sending my bank account information over an unsecure communication method. Plus, they are lucky I'm in a position to have the extra money in my account. If I was living paycheck to paycheck like many I would be left with nothing. I want the payment of {$460.00} returned immediately!!!! This was my 1st payment with this company ... my 1st experience and this is what I'm dealing with. I want my money back now!
I have been issued XXXX different wage garnishments on debts that are older then 4 years. They are over 7 years old and the collection agency has issued a wage garnishment to my employer for these debts. XXXX has been paid thru the wage-garnishment and just received a new wage garnishment for the other debt.
On XX/XX/XXXX, I tried to make reservations for a round trip from XXXX to XXXX utilizing my XXXX XXXX XXXX for a buy one full fare and get the second fare for half off. I was unsure of how to make the reservations so I called the XXXX customer service phone line. The custom service agent said to just to onto the XXXX website to make the reservations. After logging on the the XXXX website I made the reservations and paid but did not see any where on the webpage to get the discounted fare. I was charged for two full fares of {$690.00} each for a total of {$1300.00}. Upon realizing I was charged for two full fares instead of one half off, I immediately called back the XXXX customer service phone line again and this time the customer service agent told me that I had to make the reservations on my XXXX account. Due to the first XXXX customer service agent 's misinformation and being overcharged, I was told they would refund me the original two fares of {$1300.00}. I then logged onto my XXXX account and made the same reservations and this time I was charged correctly for one full fare and one half fare of {$690.00} and {$360.00} for a total of {$1000.00}. When I received my XXXX statement for billing period XX/XX/XXXX-XX/XX/XXXX, I was charged for 4 full fares of {$690.00} each and only credited for 2 full fares of {$690.00} each. I should have received credit for 2 full fares of {$690.00} each and half a fare of {$320.00}. I have written many letters to the XXXX and XXXX Customer Service Offices. XXXX did issue me a temporary credit of {$320.00} which would have taken care of the problem but then they reversed the credit stating the merchant already issued me a credit. I did not receive any credit from XXXX nor does any of my statements from XXXX show any extra credits. I am still waiting for a resolution to my problem. Also, I asked on many occasions that my credit card be cancelled and it has not been done yet and I was charged {$89.00} for the yearly fee.
Wells Fargo is negligent in providing concise and accurate information. There are missing statements, no mention of all the numerous calls and letter writing I have made in an attempt to clear up my account. Funds that should have been applied to the loan were applied to late charges. One was corrected 30 days later, after I called and explained the additional funds were to be applied to my new payment amount. 
In XX/XX/XXXX I contacted Wells Fargo requesting assistance with lowering my interest rate or forgiving my second. I received conflicting information ; from there is nothing that can be done, to stop making payments to qualify for a loan modification to : " since you do not have a XXXX or XXXX XXXX loan, there is no relief we can offer you. '' I chose to request a Loan Modification and stopped making payments to qualify. I felt this was my only option. Like so many consumers, I did not understand who XXXX or XXXX XXXX was or what the ownership of my loan had to do with helping me. 

I made my XX/XX/XXXX payment and then stopped, per Wells Fargo instructions. I was informed I had to miss 3 payments before I could apply for a loan modification. During this time I received no calls or letters. I kept calling and asking for guidance and help. Not until XX/XX/XXXX, did I receive a notice that my Loan Modification was approved. Again, no notices or calls. The last monthly statement I received was XX/XX/XXXX. In order to keep my home I worked so hard for, I signed a Loan Modification agreement that I did not understand. I was not aware that the 11 payments missed from XX/XX/XXXX were added as a second mortgage frozen with a balloon payment due in XX/XX/XXXX, or that my HELOC was added to my first. I have asked repeatedly for this documentation, but have not received anything. I was not aware of my HELOC being added to my first and of the new second, until XXXX XXXX reviewed my account. 

How any consumer is to understand this web of an agreement is deceptive and goes against the Statement Wells Fargo claims as to being a responsible lender. To make the situation even more confusing, my tax-impound account kept changing my payment. They would decrease with a refund and then increase with a shortage. If there is extra funds in the account, why would n't it be applied to reducing my principal?