WillisBack/dataset-financial-user-claim huggingface dataset:
Navient per say is not the problem, they are adequately handling the loan in my opinion. My problem is that Im still in school. Im pursuing a federally funded XXXX/XXXX degree at A public university and after 5 years of deferment I am no longer allowed to defer repayment. This is a large burden because I only make a XXXX student salary of approximately $ XXXX/month and the payment they are asking for is more than {$800.00}. I feel their should be federal protection for students pursuing a federally funded higher degree program to allow them to defer student loan payments until residency even if they are private. I feel in a way I am being punished for pursuing a combined degree simply because it takes 8 years to obtain as opposed to a traditional XXXX only program which takes 4 years. Is there any legislation that protects students like me earning higher degrees from private student loan conditions? Thank you.
I applied for a credit card with Fifth Third Bank which included a balance transfer of {$8500.00}. I was approved with a {$700.00} credit limit. I was not ok with the credit limit I was approved for as it was too small and completely out of line with my credit score of XXXX. I called and cancelled the card on XXXX/XXXX/16. On XXXX/XXXX/16 they pushed the credit limit up and processed a partial balance transfer of {$7600.00}. They did this after I had already cancelled the transfer.
Hello ; this is strange! I was applying for some random accounts and noticed that is a collection flagged into my account which I was never notified and mailed me a letter about. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me
I sent a letter to Williams & Fudge Inc about a collection on my credit report on XXXX. The company received the letter on XXXX and have failed to validate the debt in the 30 day time frame or mark the debt as disputed so i sent the company a second letter on XXXX which they signed for on XXXX. I have still not received any response to either of my letters and the account has not been updated to the disputed status.
My wife and I have had a joint checking account/savings account at TD bank in XXXX, NY. The checking account is called " relationship checking ''. It was opened on or about XXXX/XXXX/XXXX. 

I looked up their different checking account plans and saw for the first time that they are not supposed to charge a monthly maintenance fee to process my accounts since I keep substantial sums between my checking and savings account held by them. 

I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX, I met with assistant store manager, XXXX XXXX, who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX, I met with Asst Vice President, XXXX XXXX, who said the bank would make no further credits to my account. He said that I should have seen the charge on my statements. I told him the bank was illegally profiting from its own mistake. 

First, I was never told that my " relationship checking '' account was " maintenance fee '' free. If I had been aware of this, I certainly would have disputed it years ago. Second, they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore, an employee of the bank must have altered the program or my specific account to do so. 

Not only have I been defrauded by TD bank, but I am sure that I am not the only depositor who is or has been paying " maintenance fees '' unnecessarily since they do not advise their customers of any improper charges.
I have had a checking account with Bank of America since XX/XX/XXXX. XX/XX/XXXX, they changed the terms of service and began charging a $ XXXX monthly fee, which was contrary to the promises a customer service representative had made about terms of service in the ( very recent ) past as the terms had changed only a few years before and I had discussed this with a banker in the branch. I never received notification of the XX/XX/XXXX change, and they never attempted to receive an acknowledgement or confirmation from me. After complaining, I did, however, receive a refund for three months of fees, but they still have five months of fees ( {$60.00} ) that have not been refunded.
PayPal has used deceptive tactics to trick me and others into signing-up for PayPal Credit. PayPal Credit then makes it EXTREMELY DIFFICULT TO CANCEL the unrequested and unwanted service. They offer two options : 1. Call their XXXX # - they never answer the line 2. By Mail - this method requires you having your PayPal Credit Account Number. If someone has never used ( i.e., charged something against PayPal Credit ) the service, you have no Statement which is the only means of obtaining the Account Number online. 

This makes it impossible to cancel. They have negatively impacted my credit score which has impacted my interest rate charged when trying to finance large purchases.
I refinanced my loan car with XXXX XXXX credit union on XXXX XXXX. A payoff check was originally sent out on XXXX XXXX it was discovered that the check did not get received at the address provided them for payoff. XXXX XXXX put a stop payment on that check and reissued a new payoff check has not been reconciled so today is XXXX XXXX and stillwells fargo did n't receive the payoff so now I am penalty with almost 90 days with wells fargo.
I stopped making payments on a XXXX credit card in XXXX 2015 due to underemployment at the time. In XXXX 2015, I got a part job and began attempting to catch up on past due payments from a number of accounts. In XXXX 2015, I was contacted by a third party collections company working on behalf of this GapCard named XXXX XXXX XXXX. I was informed that a payment of approximately {$200.00} was due to bring the account current. I told them that I was unable to pay that amount at that time, but that I was willing to begin making payments. They then asked me how much I would be able to pay, and I responded with about {$50.00}. I was placed on hold for a few minutes and when they came back on the line I was told that by setting up 6 monthly post-dated check payments of about {$70.00}, I would have the account current at the end of this period. I assumed that the account was in collections at this time ( since I was speaking with a collections agency ) and I agreed, assuming that those payments would go towards paying off the principal balance.. I subsequently learned, some 4 months, and {$270.00} later, that these $ XXXX monthly payments were nothing more than the bare minimum needed to cover interest and late fees on the account to prevent it from actually going into collections, and what I thought was a payment plan on a settled upon balance, was little more than money thrown away. My balance is no smaller than it was 4 months ago, and my minimum payment to bring the account current is now {$250.00}, some {$60.00} more than it was before I payed {$270.00} to this creditor. I was not just mislead, but lied to, and tricked into entering into what would have been a never ending payment plan. There is no way I would have ever knowingly entered into such an arrangement. I would have just let the account go to the courts and entered into some sort of arbitration to pay off the account. I spoke to someone at GapCard today and they said they would " file a complaint '' against this collection agency, but frankly I do n't trust them, and certainly do n't expect to see my money back. I would like some help. I can only imagine that this is happening to other people and it definitely needs to stop.
I am very concern about the shortage of our escrow account being that the numbers does not add up. Please review the following for 2016 : Escrow Collected PMI Ins./Taxes Beg. Escrow Bal. : {$360.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$390.00} - {$160.00} XX/XX/XXXX {$410.00} - {$160.00} - {$1100.00} ( Haz. Ins. ) XX/XX/XXXX {$410.00} - {$160.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} XX/XX/XXXX {$410.00} - {$150.00} - {$1300.00} ( county tax ) - {$1100.00} ( Haz. Ins ) + {$770.00} ( Haz. Ins returned ) Totals : + {$3900.00} - {$1400.00} - {$2800.00} - {$260.00} ( Escrow Bal. : ) I notice the numbers does not add up. On the last statement dated XX/XX/2016 there is a shortage of - {$1200.00}, this is before the {$770.00} ( haz Ins. ) was applied to escrow ( which it should have reflected by the XX/XX/XXXX but it got applied to principal ). Once subtract the {$770.00} the balance is - {$510.00}. Which still does not add up. Also the county taxes were paid at once ( annually ) when it should have been paid semiannually. Which would have avoided the shortage all together. Even on the Aggregate Escrow Analysis dated XX/XX/2016 it shows that the county taxes is to be paid in two installments. 

When I called on XX/XX/2016, I first spoke to XXXX I asked her for supervisor/manager so, I was transferred to XXXX. XXXX told me that they would run another Escrow Analysis and look into it. However if the company does not own up to its mistake and cover the shortage running the Escrow Analysis will only increase our mortgage.
Last week I began the process of placing a credit freeze on my Equifax credit reporting given the huge breech of data that was reported. I attempted at that time to place a freeze, and was given the message to log back in today, X/XX/17 to finish placing the freeze ( not sure why this is a time delayed, two step process ). I attempted to do so today but was met with an error message, stating that the security freeze could not be put in place online at this time. I then attempted to access their customer service center to ask for assistance, and the online customer service center also produced an error, and did not redirect or feature any other options. Given the severity of this breech, I 'm astonished that their online presence is incapable of putting in place a credit freeze.
In  XXXX  of    2016  I moved from   XXXX   XXXX   to  XXXX   XXXX  and during the busy move missed my monthly payment. As a result, my account received a penalty APR that double d my original APR and raised my monthly payment substantially. I had made several charges related to the move and at first thought the subsequent increase in monthly payments was a reflection of the purchases charged to the account, when in actuality it was the result of the penalty APR that had been placed on my account. When I had learned it was due to a penalty APR I contacted American Express and told them why I had accidentally missed a payment, I was told they could not remove the penalty APR and I would have to wait for the APR to return to its original rate. Over the last 10 months that this penalty APR has been in effect it made paying my monthly bill difficult a  nd resulted in a late payment which apparentl y further extended the time my account would be subject to the penalty APR. I have called numerous times requesting the penalty APR be removed and have been told each time by the service representative they are unable to remove the penalty APR and I must wait. This is an unacceptable punishment for an accidental missed payment. Due to the high interest charged each month o nly a small percentage of my monthly payment is applied to my account 's overall principal balance, effectively keeping my balance at practically the same amount each month. I have been an American Express member for 9 years a nd this is a poor reflection on their commitment to helping their customers manage their debt effectively.
I had to change from income based to a graduated plan. I did it through XXXX XXXX and was told by them I was on forbearance til XX/XX/XXXX and my payments would start at XXXX and eventually go up every two years. While looking at my account on navient it now states that I must pay XXXX a month. When I called them they said they had no record of me being in forbearance and refused to tell my why I now owe XXXX a month instead of XXXX. It 's not that big of a deal but I love paycheck to paycheck and I think that the absolute disreguard they show is ridiculous. No wonder people go into default. If you can, DO NOT use them as your providers.
Approx. XXXX on XX/XX/2018 I bought a concert ticket online using my citibank credit card. I was scammed and never got in to see the show using the phony ticket that i received.

At XXXX XXXX XXXX on XX/XX/2018, I immediatly called the Citibank card company and reported what I considered fraud or theft. Eitherway, i wanted to cancel the transaction before it went through. The representative assured me that, " It wont even show up on your billing statement ''.

On XX/XX/2018, I called to make sure the transaction did not post or go through. It had not and again, I was assured that i would not be charged the {$1100.00}.

However, it did show up on my next billing statement. Again, I called immediately, on XX/XX/2018.

The details of the illegal and fraudulent acts of these scammers are these : the scammer handed me a phony ticket with someone elses name on it ( XXXX XXXX ), Row 10, seat 106. I authorized payment for a " GA '' main floor ticket. I did not receive my ticket. I did not authorize a payment for {$1100.00} for XXXX XXXX Row 10, seat 106 phony ticket. Therefore, this charge is fraudulent.

On XX/XX/18 the representative stated that there was no dispute noted. HOWEVER, their records did reflect that I had called to cancel the transaction of {$1100.00}. WHY WAS IT NOT CANCELED?

Therefore, I needed to request or submit this all again! I was ( and still am ) uncertain as to which department, " disputes '' or " fraud '' to direct this to.

I assumed this was fraud. I explained the detailed event as well as offered several documents to submit for evidence of my claim. They declined the evidence and said, I would not be charged interest fees while this was under investigation, and that someone would be contacting me for questioning.

In XX/XX/2018 a fraud Rep from Citibank contacted me by phone. she determined without all the evidence that it was not fraud. She agreed the sellers actions were very illegal however could only recommend that i redirect my claims the the " dispute " department.

The fraud dept states that its a dispute and the dispute dept states that its fraud. Perhaps its both. The bank should have canceled the transaction when i notified them ( within 24 hours ) no body would be out any money.

( see exhibit A ; order summery : XXXX XXXX ; with my name and address on it, " GA '' seating amount {$1100.00} ( Exhibit B ; phony ticket that I received with someone elses name on it ( XXXX XXXX ). Neither document allowed me into the concert. It was a total scam from the seller.

In addition I drove over 1000 miles to stand in the rain and get the run around from this seller. I wanted to get the police that very minute and try to have him arrested. He and his partner are scammers even pretending to be handicapped. I also have cell phone numbers for the scammers and I took a photo of them. I would be willing to help police apprehend them if they need my evidence as well.
I n  XX/XX/XXXX I  went to the  XXXX  dealership and finance a  XXXX   XXXX   XXXX . Unfortunately, within the first month my vehicle had been involved in an accident that was not to be covered by my insurance company. The mechanic shop closed  for 3 weeks as they were  in the process of changing their name due to legal issues and Wells Fargo was well aware. Despite the fact that Wells Fargo told me they would be recovering my vehicle from the auto body shop and auctioning it off to cover their fees as well as the mechanic shops fees this did not occur. The mechanic shop was able to obtain a lien on my vehicle and sold it for  XXXX  at an auction. Despite my written attempts to get it removed it still remains on my credit reports for the full balance of the car loan as I had not yet had a payment due at the time of accident.
XXXX XXXX bought a debt I owed to Capital One. The last payment sent was to Capital One in XX/XX/XXXX. XXXX XXXX has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XX/XX/XXXX, they are reporting I made a payment to them in XX/XX/XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XX/XX/XXXX!
I have smart option student loan with XXXX Bank with cosigner. I applied and made several calls to them to have my cosigner name released and every time request has been denied. My cosigner has no income. 
Every time, I call or request, the requirements to release the cosigner changes. 
This loan was approved with help of cosigner, which was recommended by XXXX Bank to increase the chances of my approval at the time of an application. Now, it has been more than 4 years, I have been making timely payments. I have checked all the loan disclosure papers, no where it says the requirements needed to release the cosigner. 
Please help me find, where on those loan papers we signed, says what are the requirements to release the cosigner at the time of approval of the loan. Why did the requirement to release the cosigner name went from 12 continuous monthly payments to 24, 36 and 48. Why is there a need to check credit reports for the borrower and cosigner ( has no income now ) all over again. Does XXXX XXXX bank wants to punish the borrower and cosigner? This company has never been cooperative and never works for the benefit of their customers. In my opinion, it would be better if XXXX XXXX Bank closes their operation, this would save lot of customers from agony and ruining their credit.
I had XXXX bank accounts with PNC Bank. I closed them in XXXX this year. I used online statements. When I went to access my statements they were no longer available and the bank wants to charge {$10.00} a statement.
On  XXXX   XXXX , 2017 -- Reliant Capital Solutions wrote a letter to my address claiming that I owe them {$550.00}. I have not spoken with anyone with this company and this is the only communication that I have had with this company.
<P/>
I wrote a letter for them to validate the debt that they claim I owe. My letter is dated for   XXXX   the  XXXX , 2017. I know that I am well within my 30 pay period to dispute the debt. I have yet to see any form of communication in reference to this debt.
<P/>
Reliant Capital Solutions has already reported this debt to all   XXXX   credit bureaus. According to the FCRA, Reliant Capital Solutions is in violations as they are supposed to respond to my request to validate the debt.
My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Md  XXXX  not  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX    XXXX   XXXX    XXXX      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX  A   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  XXXX .
I am writing to dispute the following information in my file waypoint resource group llc # XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX XXXX XXXX.
the information for XXXX XXXX shows a Charge Off and was not a charge off. 

I have provided a letter from XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX is an XXXX XXXX company
My mother co-signed on 3 loans for my brother and I to attend college back inXX/XX/XXXX-XX/XX/XXXX. Upon graduating XXXX XXXX convinced her to consolidate all 3 loans on an 8.25 % interest rate. I 've tried to see what options I had over the years to get a lower rate but unfortunately have been denied every time. Not sure how complaint all of this is but it is wrong XXXX XXXX badgered my mom into this consolidation. Interest rate it made no sense. It was a money grab.
I contacted Fresno Credit Bureau on XXXX XXXX 2018 and this is not my account.
I am currently in a Chapter XXXX and whenever I am late paying my mortgage I have to pay the back payments and the Bank Attorney Fees. I have been denied loan modifications and I am consistently harassed via mailed by Pentagon Federal Credit Union and there Attorneys. I am having a hard time financially and filed chapter XXXX twice and I am working really hard to pay the back payments and need a modification and have been denied a modification twice. I think I am being treated this way because I am a minority and my house is in XXXX DC. I think its unfair that I am paying attorneys fees for the banking institution. My mortgage payment is {$1600.00} there attorney fees are {$510.00}. They have also scheduled court dates in addition to receiving payments. I really want to stay in my house and need help from the bank not be treated unfairly. Like the letter in this attachment I was late paying XXXX payment and now the Bank attorney wants an additional {$150.00} plus {$510.00} that I sent along with the mortgage payment of XXXX. I have all the documentation letters, payment receipts over the years were I have paid Pentagon Federal Credit Union Attorney Fees. I want it to stop!! For the record the house is contaminated, filled with mold, termites and water damage. I am taking all the extra money I have to repair and restore this home. I need help!!! I really need help!!!