WillisBack/dataset-financial-user-claim huggingface dataset:
When I was having trouble making payments, Navient pushed me into forbearance before giving me options to lower my payment. Later, when I was able to lower my payment, they failed to inform me that I needed to renew the program and my payment was raised again.
I consolidated my loans via fed loan and was told that Navient was paid a total of XXXX. Navient called me and told me my loans were going to be in default due to XXXX paying the debt. I am very very confused. They call and harass you and tell you that your loans are in default even though I been paying for the past 4 months.
I went online on XX/XX/17 to get a loan for {$600.00} from Big Picture Loans. From my understanding I thought I would only have to pay {$180.00} once a month for three months. This would include what I took out plus interest. It was not until the next day the loan was deposited into my bank account that I was emailed the Big Picture Loans payment schedule and saw that I had to pay 12 payments of {$180.00} which add up to {$2200.00}. This is more than what I even borrowed from them. I called to verify and see how I could get out of it but they kept telling me that they would call me back. Other times the hold was so long that no one ever came on the phone. The customer service department has not been helpful. So, far I have paid {$1100.00} and very frustrated on the fact that I have more to pay back because of their very high interest rates. After, reading other people 's complaints I feel it is only right that someone looks into this place. I feel as though they are taking advantage of people. I hope someone can contact me back so that this matter can be resolved.
I have a condo in NJ that is in foreclosure. I am now XXXX and on SSDI and my condo is underwater. I got a chapter XXXX discharge surrendering the condo onXX/XX/XXXX. My research shows that three property liens survived the bankruptcy including my first mortgage. The foreclosure process officially started on XX/XX/XXXX with a letter from the bank. It resumed after I got my bankruptcy discharge. On XX/XX/XXXX and again on XX/XX/XXXX I wrote a certified letter and followed it up with a email E SIGNED to my banks attorney and my bank with the letter of XX/XX/XXXX sent as QWR. 
These coorespondences specifically were sent to make sure we were all on the same page as to my intentions and the laws that protected me as a result of the bankruptcy discharge. I said I can not and do not want to save the condo or cure the default but in light of certain obstacles ( Junior Liens, my XXXX and financial status ), how could I deal with so there is continuity so the process would be easier for both and requested relocation money and time? They were at a point in the foreclosure where they were getting ready to Enter Final Judgement which I thought was about having me removed. Regardless, of what I thought, they mailed me a package for me to try and be screened to save the condo dated XXXX and all the copies of certain documents. I was conflicted and confused why they asked this of me as my letter told them I can't save it as per my chapter XXXX petition. I did mail it all on XXXX non certified. I had heard nothing regarding my QWR wanting continuity and asking for relocation money. I got a phone call from my bank on XXXX from loss mitigation that they were looking to do a DIL and asked ME to contact certain Junior Lien holders to make a deal to release their lien s. They emailed me a summary and while I understood what they wanted I had to look further into all of it. My bank it turns out settled a class action suit for abuses and errors during the loss mitigation foreclosure process back in XXXX and I was one of them. They gave me a predatory lending modification. They were fined also for " Conveying conflicting messages to certain borrowers engaged in the loss  mitigation process '' Now that is exactly what they were doing to me again. Asking me to contact these lien holders is a violation of the bankruptcy Injunction. They wanted a move out date. I have still not received a proper answer on my QWR. To even start a DIL it must be in writing explaining the terms. Then they have to go through the courts to ask for certain motions. This is why I wanted a single point of contact. They clearly, were trying to do things for their best interest another major violation. No bank will think about a DIL when there are Junior liens and they knew that. I wanted Relocation money and time to find a place being XXXX. The deed to this condo must be out of my name with no existing liens and you can then get any agreed upon money and time to move
I signed up for a Citigold bank account after receiving a promotion for XXXX XXXX XXXX points. I called Citi bank to make sure the promotion was on my account. I then proceeded to meet all the criteria which included two bill pays on my account and spending money on my debit card. Once I had met all the requirements I contacted them since I did not see any points added to my account. They informed me that I had met all the requirements and had to wait up to 90 days for them to be posted to my account. I waited the time period, during which I had monthly fees taken out of my account. Once the 90 days were up I contacted Citi again and they informed me I would not be receiving the points. This was a horrible experience and very dishonest of Citi to say I had the promotion and met all the requirements but they were n't upholding their end of the deal.
To whom it may concern : This is to let you know that I requested XXXX XXXX XXXX XXXX XXXX on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : Citibank XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

XXXX XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens of the XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from XXXX XXXX XXXX XXXX that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from XXXX XXXX XXXX Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.
In XXXX 2015 I visited a XXXX to be treated for an illness. My health insurance was billed, and they covered the visit ( I only paid a copay ). In XXXX 2015, I visited the same XXXX location to treat a XXXX XXXX with the belief that they accepted my insurance because they had accepted the same policy in XXXX of the same year. Sometime after my visit, I received a bill for {$250.00} in the mail for the 5 minute office visit to XXXX. I did n't understand why I was covered in XXXX, but not in XXXX. I called my healthcare provider, and they told me that in XXXX that had made a mistake, that XXXX was out of my network, but they caught it in XXXX, so they billed me in full for the visit. I believe that this was very misleading on their part -- since they covered my XXXX visit, it led me to believe XXXX was in-network. I contested this claim to my healthcare provider through their internal review system to no avail. I then submitted my objection to my state 's insurance review board, but I never got a response from them on the matter. I then contacted XXXX and went through their internal review process in an attempt to get the bill reduced as it seemed an exorbitant amount to pay for a 5 minute office visit, but they too denied my dispute. While going through this process to fight what I thought was an unfair ruling by my healthcare provider and XXXX, my {$250.00} bill went into collection. I have since paid off the {$250.00} bill from collection in full ; however, after obtaining a credit report, it has come to my attention that, since the medical bill went into collection, it is negatively affecting my credit score by up to XXXX points. I believe this is patently unfair. I have spent years since I graduated college to build up my credit score in order to buy a car, save for a home, etc., only for my credit score to be adversely impacted by, what I believe, was my healthcare providers initial mistake of misleading me into thinking my insurance was accepted at a healthcare provider due to their previously covering my visit to the same location. I would like to see this medical bill removed from my credit history in order to restore the good credit I had been building up over years.
XXXX   XXXX ,  2016 I used Equifax automate d system to dispute  XXXX  instances of a late payment. I tried several times to follow up : by phone, by email " direct link '' and by forums for people who are coping with how to deal with Equifax. Every phone  call  leads to a loop : you 're directed back to the website. There website is never updated. There is no option to leave a voice message. There is no option to speak to a live person. There is no way to get through. I just want an answer to my confirmation number  XXXX .
I did n't in contact with multiple people at Wells Fargo home mortgage. I have been given the runaround and been transferred to multiple different people. When I asked for payment arrangements, I was directed to XXXX. Who told me I need to submit all this paperwork from pay stubs, to tax returns, tax transcripts, etc. It appears as though I was either applying for a loan or doing a refinance, based on all the paperwork they was requiring from me and multiple people in my household. 

All I asked was for payment arrangements. That 's it, I do not understand why all those paperwork from multiple different people in the household just to get a payment arrangement. The paperwork they was asking me is so much. They want everybody 's paperwork in the household and they said I have to submit all that just to see if I could get approved. For payment arrangement only. 

When I said I rather just pay it off in full, I was directed to XXXX at Wells Fargo. She said she was looking into the extension and would be able to give me an extension for 30 days. However, I had to wait for her to call me back to see if that was okay. I had called her multiple times and have not heard back from her. I also have sent her an e-mail and she still has not replied back to me.. 

The money what I owe is due tomorrow XXXX XXXX, As of today nobody came back to me with an extension or even return my calls or emails. I am still asking for the extension. And I would appreciate if somebody would get back to me. I do not want to loose my home. I have my wife, children and the elderly person I need to worry about. They ca n't be left in the streets.
Dear Sir/Madan, We reported Credit Card lost in XX/XX/XXXX so the card issuer Syncb/XXXX XXXX XXXX  issued us a new account with the new credit card number. But they failed to mail us the remaining balance on the old CC card. Thus, caused late payment fee piled up in my closed account for 3 straight months. We called Synchrony Bank many times to get the final bill, but they only said the account is closed, no further information can be provided. Finally, we filed dispute to all three credit beaus in XXXX XXXX. But SyncBank sold our debts right away to a collection agent called XXXX XXXX XXXX XXXX. We have no choice but to paid in full for my outstanding account to the collection agent in XX/XX/XXXX. However, after two months passed, the credit score from 3 credit beaus shown we still have an unpaid negative report ( from SyncB ) which keep our cerdit score low. We contacted XXXX XXXX XXXX, they told me it is Credit Beau 's problem. They have already sent out the paid off confirmation to 3 credit beaus. So I contacted credit beau again, they told me I should contact Credit Card company, because they shown the bad report was from Sync bank. When we called Sync Bank, they told us nothing they can do since the account has been sold to collection agent ( XXXX XXXX XXXX ). We are really frustrated and hope someone can help us to resolve this problem. But it looks like we paid off the debts but Synchrony Bank still not issue an account paid off notice to 3 credit beaus. So we wanted to file a complaint to Synchrony Bank.
On XX/XX/XXXX, I decided to close my Capital One credit card due to issues with customer service. Capital One refused to do so, however. As of this writing, it appears that Capital One has still refused to do so. The first attempt was via telephone, starting at XXXX XXXX. The initial representative refused to close the account ( on which there was a zero balance ), as did the supervisor. Further, the supervisor refused to provide a NY address to which complaints and a written instruction to close the account could be sent. 

The second call, starting at XXXX XXXX was largely similar. I then tried to close the account via the website. Despite allowing virtually every other type of transaction, the website does not apparently permit the closing of an account requiring that to be accomplished via telephone. I can only assume this is part of an intentional strategy to frustrate customers who wish to leave Capital One. The third call was substantially similar to the first two, except that Capital One cut off the call when I asked to speak to a supervisor. 

The representative on the fourth call, after a few minutes, said that she would close the account, then told me it was accomplished, and promised an email confirming the closure. Thereafter, however, she transferred me to another person, who said the account was still open. This after more than an hour trying to close the account.
An alleged debt in the amount of approximately {$280.00} was reported to Equifax XXXX for an account from XXXX ( acct. # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
I CLOSED XXXX ACCT AND REAL ESTATE COMPANY/LANDLORD DELAYED THE ACCT CLOSURE UNTIL THEY HAD SOLD AND CLOSED ON THE HOME I WAS RENTING.  THEY ASSUMED MY IDENTITY AND ISSUED APPROVAL FOR ACCOUNT TO REMAIN OPEN IN MY NAME.  BULL CITY HAS BEEN ADVISED OF THIS AND HAS CONTIUNALLY EVADED THE TRUTH OF THE ISSUE.
Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested. 

These XXXX collection accounts are having a negative impact on my credit history.
Performed balance transfer to other CC from a CITI Card. Transfer was posted to new credit card the day after due date of old CITI Card. CITI Card is now charging late payment and increased interest rate on remaining balance and new purchases even though they they had to receive payment from new card due to it posting the day after the CITI Card due date. CITI Card is now refusing to return charges and return interest rate back to normal.
I disputed before and these collections have once been removed and have now since been added back. I requested validation of debt and I have not receive anything. I also sent the letter certified to make sure it was received. I would like all the Medical Collections from XXXX removed from all my credit reports.
Consumer Financial : I did paid off on credit card, Lease, and phone bills. It didnt repair on Transunion, XXXX, and XXXX.
I received a letter from the IRS stating that someone was applying for a job by using my social security number. They provided websites of the 3 credit reporting agencies where I could obtain a free credit report. 

Transunion required a credit card as part of a log-in and did not display a price for services. I had searched registration page each step of the way for dollar signs and there were none. Transunion proceeded to charge my card {$19.00} and enroll me in a monthly service at a price of $ XXXX/mo.

I called and told them that there was no such authorization to charge my card. They said that they would end my subscription and that the initial {$19.00} is non-refundable. 

This is inappropriate, as they did not request on the webpage that they could charge my card for this service. At the very least, they are engaged in deceptive practices.
THERE ARE ABOUT XXXX INQUIRIES ON MY TRANSUNION REPORT. i HAVE WROTE IN AND CALL THESE GUYS NUMEROUS TIMES DISPUTING ABOUT XXXX OF THE INQUIRIES. THEY KEEP TELLING ME THAT THEY ARE VALID. i DID NOT APPLY FOR XXXX DIFFERENT ACCOUNTS.
XXXX Bankruptcy filed XX/XX/XXXX- property surrendered in bankruptcy. Lender and XXXX notified. 
Lender sold mortgage to : Nationstar Mortgage , LLC, XXXX, TX XXXX - on XX/XX/XXXX. 
Nationstar was notified by Certified Letter dated XXXX. The property had been surrendered XX/XX/XXXX bankruptcy. 
XXXX attorney has filed charges and obtained judgment based on incorrect information.
Hello, There is a Chase Card on my credit report, I don't even have the full account number just the partial provided on report. It says it was opened in XX/XX/2017 last year. Oddly enough it has a credit limit of {$11000.00}, but there is {$21000.00} balance and it has been like that since it appeared on my credit report. It says there is a monthly payment of {$660.00} and it appears to be " current '' with a couple months with late payments according to my report. There is an inquiry on my report for this card on XX/XX/2017. I assure you I XXXX XXXX XXXX did not open a credit card on this day. I only have one credit card and its with XXXX XXXXXXXX XXXX. 
I did not open this credit card but do know this was around when the XXXX  security breach occurred. This card is not on my husbands credit report either. 

I have disputed it many times, but this is fraud and I need help getting it off my credit report! I don't know even where to start with Chase since trying to get it removed with a online dispute hasn't worked. Please help! I do not have a Chase Card. This is causing huge issues, I believe this is a part of the breach and I tried to get help from XXXX as well. I did not authorize this card inquiry and this is not me!! 

Please help me!
I have asked for two years for this information to be updated and its not. Also my score needs to be recalculated as well.
Equifax - Did not adequately protect my personal data from hacking. Did not report that a breach had occurred in a timely manner ( allowed 6 weeks to pass before releasing a statement to the fact ). Did not notify me directly that my information was stolen. Attempted to offer a 1 year credit monitoring service that would require a credit card and charge after 12 months if not cancelled. Attempted to profit by still charging to freeze and unfreeze credit accounts.
Tried to pull a copy of my credit bureau from Equifax on Annualcreditreport.com and was advised that they were not able to provide this online and that I needed to mail copies of documents identifying myself along with a request for credit bureau. There was no option to scan the documents/request. This company should not be able to participate on Annualcreditreport.com if they are unable/unwilling to provide reports online.
Solomon & Solomon XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged balance owed : {$460.00} Original Creditor : XXXX XXXX XXXX
I went through the drive through of the Wells Fargo Bank at XXXX XXXX XXXX XXXX in XXXX, AZ on XXXX/XXXX/17. I provided them a signed check for deposit, my drivers license and my debit card corresponding to the account the funds were to be deposited in. The teller at Wells Fargo deposited the funds into a joint account, rather than the account corresponding to the debit card I provided her, which is my sole account, and now Wells Fargo is unwilling to resolve the issue. Now that Wells Fargo made an error and deposited funds into the incorrect account, the other person on the joint account is aware of those funds, and there they can not just be transferred. Wells Fargo needs to deposit the correct amount of funds into the correct account per the information I provided to them. I contacted their customer service this morning and they advised there is nothing they can or will do to rectify the situation. This is completely unacceptable.
Every time I call Navient, I get a different story and a different answer. I will call and be told that my loans are current and there are no issues, then the next thing I know they are saying that I am past due. I make {$1900.00} per month and most of that goes towards raising my family of XXXX. They say that my lowest monthly payment is around {$300.00} which is too high for me. When I call they give me attitude and never seem to record what was said during the previous call. I have a very hard time even getting ahold of somebody. I am often on hold for 45 min. I called to re enroll in the lower monthly plan and they said they needed my main borrower 's financial information because it had n't been updated since 2014. How is that possible when I have been in rate reduction this year? They make no sense what so ever.
My husband and I recently sold our house, XXXX XXXX XXXX XXXX, to a couple, XXXX and XXXX XXXX, who bought the property using an FHA loan that was provided by the XXXX XXXX XXXX located in XXXX, Ohio, with a branch office in XXXX, FL. 

Prior to closing, Mr. XXXX XXXX, general manager of XXXX XXXX XXXX, insisted that the FHA loan provided by his company required the seals on windows in the garage to be repaired. To the best of our knowledge, broken seals on windows in the garage do not constitute a threat to the health or safety of the occupants of the home. Despite our concern that the demand to fix the window was excessive, we agreed to do this so that the sale could close. The window company could not complete the work before closing, so a paid receipt for the estimate of repairs ( {$550.00} paid by XXXX XXXX on XX/XX/19 to XXXX XXXX XXXX XXXX  ) was provided to Mr. XXXX so that the sale could close. 

Even though the work was pre-paid, Mr. XXXX insisted that an additional {$850.00} be held in escrow until the work was completed. To make matters worse, the escrow hold was not put on the closing disclosure provided for our review on XX/XX/19. It only appeared on the day we signed our closing documents, XX/XX/19. We unfortunately did not scrutinize these documents again, and agreed the the escrow hold. However, I believe that changing the closing disclosure on the day of closing is a deceptive trade practice. This should have been made apparent prior to closing so that we could dispute the {$850.00} escrow hold. 

I believe that XXXX XXXX, and specifically Mr. XXXX, has committed several abuses that lead me to believe that he should not be an agent for FHA loans. These include : 1 ) Excessive repair requirements to qualify for an FHA loan 2 ) Excessive and inappropriate escrow holds 3 ) Deceptive trade practices, including changing the closing disclosure document on the day of closing so that an escrow hold could not be contested