WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this in an attempt to have a potentially devastating financial situation from happening. In XXXX of this year I contacted a Navient representative to discuss the financial hardship I have been facing and the impact that my adjusted loan payment would have on my family. I was assured by the representative in XXXX that, due to my financial hardship, if I resubmitted my information at studentloans.gov that they would lower my monthly payment amount to {$0.00}. 

I followed the representatives instructions and was told to wait to get confirmation of the new payment amount the following month. As I was checking my e-mail yesterday I received my payment information and was stunned to find that it was not {$0.00}, but in fact {$270.00} monthly. I made a phone call during a break at work to call to find out what had happened. The representative, while pleasant on the phone throughout the process, informed me that the representative that had guaranteed a $ 0 monthly payment due to my substantial financial hardship was wrong and that I would be expected to make a payment once my temporary forbearance period ended in XX/XX/2018. 

I have worked at non-profits and for both state and county governments over the last decade and it has done nothing to help my student loan situation despite being promised that it would. I was advised today by the Navient representative I spoke with to reconsolidate my loans with XXXX XXXX to try to get into their forgiveness program. Unfortunately, I am having a hard time trusting anything that a Navient employee has told me as it has caused a fair deal of grief. I was unaware of the possibility of income based repayment being low when I had lower monthly wages and because I was advised to use forbearance and deferments I am now left in a situation, where like many in the class action suit filed against Navient, I cant use those services when I need them most.
Had credit report ran to obtain mortgage loan  XXXX  2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus  XXXX , TransUnion, and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
RE : Account XXXX XXXX XXXX 1 ) XXXX 'collection agency ' has failed to respond and failed to validate this alleged claim in 30 days as required by law. Equifax failed delete false entry which has NOT BEEN VALIDATED according to law. Validation demand was sent via certified mail, XXXX XXXX XXXX USPS tracking # XXXX, and as of XXXX XXXX XXXX has failed to validate per this alleged claim within 30 days. ( Copy attached ). 2 ) Equifax made false written statement to the Federal Agency, Consumer Finance Protection Bureau on XXXX CFPB complaint # XXXX, *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history but no recent dispute history was identified. *Equifax will mail the results of the reinvestigation within 30 days. Equifax has reviewed the complaint and its records. We show that you have not previously contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Consumer did in fact notify Equifax twice of their failure to notify consumer prior to reinsertion of previously deleted item which is not valid. 2nd Dispute mailed XXXX XXXX XXXX # XXXX 1st Dispute and deleted by EQUIFAX CREDIT FILE : XXXX XXXX XXXX Confirmation # XXXX Equifax failed to maintain reasonable procedures to assure complete accuracy in the information published to my credit report. Equifax has altogether failed to make reasonable investigation of this matter as required by law, Equifax reinserted previously deleted item without notification to consumer Equifax made false written statement to Federal Agency, CFPB. Consumer believes Equifax has made four violation pertaining to FDCPA and FCRA which are each entitling consumer to {$1000.00} per violation. *XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX ( XXXX ) XXXX has violated the law by continuing collection activities with Equifax while failing to respond to consumer 's right to validation.
XXXX now Navient has re-aged my Student Loan history again and again with multiple listings of the SAME accounts the various bureaus. I attended XXXX and then XXXX for my XXXX. The date of original delinquency for ALL loans is XX/XX/2009. They are ALL rehabilitated and with XXXX now which is correctly reporting. Navient did not mark the closed accounts disputed with any of the various XXXX. I have disputed the accounts with each XXXX stating that the original date of delinquency is XX/XX/2009 and duplicate accounts showing a later date of delinquency represent a reaging which is illegal under the FCRA. I just want the negative information to be deleted based on the original date of XXXX.
During the XXXX XXXX, 2017 i had an inquiry placed on my XXXX credit report. The Unauthorized Inquiry was placed by XXXX while i was in XXXX XXXX. I never authorized this as why i disputed it both by telephone and online with XXXX with no results. XXXX denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
I was notified by the mortgage office that an old creditor GM Financial was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. GM Financial has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with XXXX  and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.
Requested an investigation regarding the incompleteness and accuracy of XXXX. Equifax has continuesly reported infomation that is incomplete and inaccurate. The account was opened in XX/XX/XXXX, The credit report shows missing payments from ; XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX This is a clear violation under FCRA sec 623, all information must be complete accurate and verifiable.
In XXXX of 2015 my father was ill and we were going to be late on our mortgage payment so we notified U.S. Bank that we had issues. They proceeded to tell us that they wanted to help and we were eligible to refinance our loan to get lower payment. We were excited to have the help. We were told NOT to pay any more payments as we were getting a loan mod that would help us. Several weeks later we received paperwork that we signed and had notarized and sent back. The 'New ' payment went UP and then we were told that we were delinquent on our mortgage, which really messed up my credit. Then we struggled for several years and caught up all payments, not all before the XXXX so I accrued late charges, which is fine, I deserved those. But as I am selling my house I am hit with a {$34000.00} charge that somewhere along my loan U.S.Bank filed for a claim with a company of XXXX for the sum of XXXX and now they are charging me for this loss that I had no idea about. I feel as I am the victim of Predatory lending and fraud. Please help me if possible.
OCWEN Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXXHas Month after Month POSTED Principal ONLY payments as XXXX monthly payments. 
Charged a late charge of XXXX when I have proof ( XXXX ) of timely payment. 
OCWEN REFUSES to POST payments AS PAID, Principal and interest. This is a on goingmonth after month problem.
On XX/XX/XXXX  I contacted Premier Student Loan Center to inquire about a loan forgiveness program for  XXXX . I spoke to "   XXXX   XXXX   '' who proceeded to determine if I qualified for the program. She said that according to the guidelines that I would qualify. She explained that my payments could be lowered from {$150.00} to {$89.00} a month through the program called public service employees forgiveness program or PELF. Additionally, my loan could be forgiven in as little as 10 years. She then had a loan processor contact me for further information regarding my income and taxes. His name was "   XXXX   XXXX  . '' I communicated with him further through emails and submitted all requested documentation. They made it seem like a very common practice in this field.
On  XX/XX/XXXX , a final email was sent to me congratulating me on qualifying for the PELF Program. A new payment amount of   XXXX    dollars would be due  XX/XX/XXXX  according to the email. I thought this was strange since I was expecting it to be {$89.00}.
On  XX/XX/XXXX , I went online to verify that my new payment amount was in effect only to find that it was not.
I contacted   XXXX    and she assured me that it was " being taken care of, not to worry. '' A couple more weeks passed and I checked my account again, same thing, no change.
According to my loan servicer,  XXXX , my payment is {$150.00} a month which is the same as it was before I contacted premier student loans center.
Therefore, this company has done nothing to help me even though I paid them in full for their " service ''.
I have attempted to contact them several times in the past two weeks only to be told that "  XXXX  '' no longer works there and nobody seems to know what happened or why my lender is not aware of my approval for this program.
I 've left several messages for  XXXX , including two voice messages today,  XX/XX/XXXX , and he has failed to return my calls. I spoke to somebody named   XXXX    who is supposedly a supervisor, he told me that  XXXX  would call me but   XXXX   never did.
I have spoken with my loan servicer  XXXX , who advised me that I could have applied for this program free of charge through them, a fact that premier student loan center never informed me, in fact "  XXXX  '' claimed my servicer would not be able to help me apply for this program at all. I now know that I could have saved {$1100.00} and a lot of stress over this nightmare. I was completely misled by this company and they took my very hard earned money and did absolutely nothing to help me qualify for the PELF program as I paid them to do.
On XXXX,2017 I drove a bus with Seniors Citizens to the state of Louisiana . The trip was suppose to return mid morning, but due to Mechanical difficulties I did not arrive back in town until, XXXX XXXX late that night of the XXXX of XXXX. Since I have gone to Louisiana before I knew there was not a Wells Fargo bank in any part of Louisiana. The original plan was to get back to XXXX before XXXX XXXX on the XXXX but there a Bus Mechanical breakdown that did not allow me to return until Tuesday night/ Wednesday morning about XXXX XXXX XXXX XXXX. <P/>If anyone will review my account would see I am not in a habit of allowing my account.to become overdrawn. With that being said, I am not satisfied with the way my account was accessed overdraft fees for items that were paid from a deposit made from my check of {$980.00}. XXXX. I was unable to make a deposit myself due to no Wells Fargo Banks in any parts of the state of Louisiana. I took it upon my self to start to monitored the account starting with the time of XXXX XXXX XXXX XXXX, XXXX. Each time an account is visited, the computer system knows the last time ( date and whether it was morning, afternoon or evening ) it was visited. My first time of XXXX showed a positive balance of $ XXXX. The next time I visited the account was XXXX XXXX showed a positive balance of $ XXXX, The next time I visited the a was XXXX XXXX the account showed a positive balance of $ XXXX. The next time I visited the account was XXXX XXXX the account showed a positive balance of $ XXXX. I decided to visited the account again at XXXX XXXX and noticed the account to be positive in the amount of {$900.00}. The amount of {$900.00} let me knew that two ( 2 ) items had been subtracted from my deposit. Tell me why my account was access a total amount of overdrawn fees of {$100.00}? As I stated previous the account was never overdrawn even after the items were deducted due to there was enough in the account when the items were presented for payments. The account stated at XXXX XXXX the " Current posted amount of {$86.00} I did take a photo of the transaction. When I telephoned the Company Wells Fargo, I spoke with a person by the name of XXXX on XXXX XXXX XXXX concerning the overdraft fee. I did ask him to tell me what time did the items came in to be paid since I visited the account and there was never a negative balance on the account. He stated that did not make any different that the items had come for payment on XXXX XXXX XXXX. I kept asking for a time, because I do know any transaction with the banking system constitute a time and date of all transactions. I was surprise to hear XXXX state the time was XXXX XXXX when I visited the account and the balance was still @ a positive balance. When I visited the account @ XXXX XXXX I would have seem a negative amount of {$74.00} but there was only a positive balance of $ XXXX My deposit was posted to my account by direct deposit @ XXXX XXXX, I have other Co-workers to testify that the time of XXXX XXXX is when their monies posted as well.
I was with navient, they charged me {$300.00} to consolidate my loans. They said I would only have to pay {$12.00} a month in this new program. Now I 'm with XXXX XXXX. I did n't know that being in this program would increase my loan! They did n't say anything about the interest accumulating. I thought I would just be paying back what I had borrowed they mentioned nothing about the interest rate I was extremely missed lead. Then another loan agency sent me a letter, " student loan division '' sent me a letter sayin I should n't have been charged to consolidate my loan to get into this program why is this happening why am I getting buried in this loan? I 'm very distraught confused and worried if someone can please help me clear this up I would really appreciate it.
Capital one 360 shut down my savings account and credit card accounts without giving me a reason. I had alot of points on my credit card that I had not used, they even ran my credit which now shows on my credit report. They are not giving me a reason as to why they have closed all my accounts
XXXX XXXX XXXX I am responding to your response. Once again I am asking you guys to prove to me that I have any obligation to pay you for a debt that is with someone else. I am not admitting to this debt but I have no obligation and no contract with you guys to pay a debt that belongs to the original creditor. You have purchased this debt from them and with that being said the debt is not valid with you please cancel the documents you have sent me. I am looking for a contract between your company and me showing that I owe you this debt. If you can't provide that then this debt needs to go back to the furnisher and they need to contact me to settle the debt. I don't need documents from the actual creditor I need a contract with you guys with my signature. This is what I am looking for and if you can not provide that then this needs to be taken off my credit report.
On XX/XX/2018, I was notified a credit of {$34.00} was posted to my account due to a fraudulent charge. I never received the credit. I have contacted XXXX XXXX six times and they put out trackers to check why it hasn't posted. To date 6 trackers have gone out for this one issue. Customer service states they can't give me any timeframe and I can't speak with any other supervisor. They state that is policy and I must wait until whenever. I know it's not muchone but I am on a fixed income. I didn't budget for this type of error. It has put a financial burden on me.
Hi I am in arrears on my mortgage while i had a drastic reduction in income, since then i am working full time, my wife is working as a source of other income and ive obtained my brother in laws help as a renter to help us pay the mortgage. Ive been working with  XXXX  / Bayview loans  for what i believe 3 years on a modification. My math says we can afford to pay the new higher loan with the arrears. They keep stalling on an answer, meanwhile they got a judgement to forclose. Now we, my wife and children, are panicking and  Bayview  is not really giving me an answer here, so i do n't know what to do.   My loan number is  XXXX  with Bayview
Innovis refuses to delete information from my innovis credit report that I have indicated to them that was ID theft to wit a XXXX XXXX account I recently went through the dispute process and they sided with XXXXXXXX XXXX stating the information is accurate and will remain I have discussed this with innovis several times informed them that this was ID theft and should be removed and innovis continues to side with the creditor and refuses to remove it from my report.
After applying for a loan, my credit report stated that XXXX had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.
On XX/XX/2017 I went to a local car dealership with hopes to purchase a car. I informed the company to only run my credit with one company. After I checked my credit report recently it appears that the car dealership ran my credit through multiple companies. The multiple hard inquiries have significantly hurt my credit.
In XXXX of XXXX I used the XXXX program to refinance my home. The purpose of the program was to help lower my payment but without requiring an appraisal because my home 's value was and still is lower than the principal balance owed. I ended up getting my original loan refinanced and my payment started out being {$1900.00} a month. Since XXXX, my payments have risen to {$2300.00} by XXXX of XXXX. That 's an increase of {$410.00} a month in just 3 years. My property tax has not risen that much and while my home insurance has risen, it has definitely not increased by {$4900.00} a year. I do n't think banks realize what this does to a person when they only make so much money a year and budget for a monthly home payment when they close on a loan. I have complained and inquired about this to Plaza Home Mortgage for the past 2 years and the only response I have ever received from them is that they under estimated my escrow amount to be paid ; and of course with an offer to pay the difference in full vs. monthly ; yet they made the error in calculating. In XXXX of XXXX, my home insurance went up by {$86.00} a year. Over the past 3 months I 've sent a couple of messages to Plaza Home Mortgage reminding them that they need to make sure that when they analyze my escrow payments in XXXX XXXX XXXX, they take note that my home insurance is {$1800.00} and NOT {$1700.00}. I just looked at my escrow analysis and they disregarded the messages I 've sent to them and I still show they have my hazard insurance at {$1700.00} a year, which I believe will result in yet another escrow shortage by XXXX of XXXX. I have sent them XXXX messages in the past week and have received NO responses. I still have no good explanation of why my payments have gone up {$4900.00} a year ( {$410.00} a month ). I have every reason to believe that Plaza Home Mortgage is doing this same thing to other home loan borrowers and I believe they are making more profit from the loans and not reporting it to the government or something else is going on. My suspicion is that they are using home owners equity accounts to make money because they would avoid paying taxes on our equity OR they have grossly miscalculated my annual escrow from the beginning. My reason for suspecting this is because of lack of valid proof of the large increase in my monthly loan payment amount and lack of responses from the mortgage company.
Commonwealth Financial Systems responded to a recent complaint I filed against them with the CFPB ( Case number : XXXX ) stating that they were closing the account and removing the unsubstantiated collection account from my credit reports. The day after they responded to my complaint- instead of deleting it, they actually updated the collection on my XXXX credit report. Commonwealth also responded to the XXXX stating they were removing the collection. I contacted XXXX fraud department and they assured me that they had placed a fraud alert on my credit report and that they would begin their own investigation. With the enormous number of complaints against Commonwealth Financial Systems I am baffled as to why the CFPB has not taken action against them. I feel like this nightmare is never going to end.
On XX/XX/XXXX I cosigned a CareCredit account for my son so that he could get some XXXX work done. The Credit line was set at XXXX 
On XX/XX/XXXX my son passed away at age XXXX.
On XX/XX/XXXX I contacted Synchrony Bank to find out the balance of the CareCredit account and take care of the account. I discovered that the Credit line had been increased to {$6400.00} at some point and I had not been notified. They stated that they sometimes increase credit lines with out notification. There is no way that my son 's credit rating would have been a reason for this increase. He was struggling financially. They probably increased it based on my credit rating and did not contact me as the cosigner. I am more than willing to pay the {$3000.00} that I cosigned for, however they are telling me that I must pay the entire amount owed which is {$6200.00}. They said that the account does not qualify for any assistance. 
Due to the expenses associated with his XXXX, I am not able to pay this and the monthly payments will be a financial burden. I feel I should have been notified about a credit line increase and had the opportunity to say no. Please advise me on how to move forward with this.
I have been trying to get a 24 month mortgage payment history from my current lender, HSBC. I have been trying to get it for over 2 months and tell me they will send it but they never do. They just send letters acknowledging my request. I am trying to refinance out of this high rate adjustable mortgage and they are prohibiting me by not providing my mortgage histories. The new fixed rate loan I am trying to get will save me over {$500.00} per month. How can they refuse to give me this information? They are keeping me in a very bad loan and causing me financial hardship. Everytime I call they say they will send it but so far I have received XXXX letters acknowledging my requests. I did get one history but it was completely ineligible and they did not send one for my XXXX mortgage as requested.