WillisBack/dataset-financial-user-claim huggingface dataset:
All, Navient is a very corrupt company. I have been paying on my student debt since I graduated in 2007 and it has been 10 years. When I first got out of college I had to pay payments of $ 600- $ 700/month and the balance was n't going anywhere and still remained above {$100000.00}. Only when I was laid off and after several harassing phone calls from Navient which was XXXX at the time was I finally able to get themt o lower the interest rate from 5.25 % to 1 % and was late paying one payment and they jumped it up to 2 %. I have still continued making payments with an increased amount from {$400.00} to {$450.00}. Recently my contract ended with my employer and I am currently unemployed and actively trying find a permanent position. I finally discovered XXXX XXXX XXXX who is willing to help negotiate the debt except they are asking for {$730.00} every two weeks for 4 years which I obviously ca n't pay at the moment. While trying to discover new options to help pay down this debt I had to put a stop payment on my auto-pay for Navient for {$450.00} and I had to pay {$30.00} for the stop payment that last 30 days. It had n't even been 2 weeks and Navient pulled the money using a different Navient business name from my account on ( Saturday of all things ) and drained and over-drafted my account. I was of course furious when i found out and was n't sure how this happened given the stop payment and the fact that I also called them twice to have them delete my bank information and told them that I was working with XXXX to resolve my student debt. What they did is ILLEGAL to  change a business name and pull funds under another title for Navient which I was informed by my banker to how they did this. They also have me recorded for " quality assurance '' when they called me to inquire about not receiving their payment after I already called prior to inform them why I could n't make that payment and that I was working with XXXX. Navient has some nerve and because of this I am fed up with them thinking they can do what they want. I am contacting a lawyer in regards to this illegal action for charging my account without authorization and the numerous harassing phone calls as well. CFPB please contact me as soon as you can for more information.
This is too complaint case # XXXX.I XXXX XXXX placed a complaint with you in regards to the closing escrow surplus from selling my house on XX/XX/XXXX. The amount I have due to me is {$2700.00}. I received a letter the Ditech Financial LLC. dated XX/XX/XXXX. They stated that they did transfer my funds but they have not. The money is not in my bank account. 
As to the reference in the letter from Ditech Financial, LLC about them sending out a check to me on XX/XX/XXXX to the address XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I gave them my new address before they said they mailed this check out. Also if this check went out to this address I would have gotten it because this is my sister 's address. Ihave checked my on line banking account and they have not transferred my money. Now this is after Imade the complaint. I 'm still waiting for them to pay me.I have not been paid {$2700.00}.
I have found out that I am a victim of the Equifax security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call Equifax failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
I was overcharged for an appraisal by Signature Mortgage and XXXX XXXX in XXXX XXXX, IN. The {$520.00} price they charged was {$240.00} more than the " appraisal '' fee listed in the Itemization of Fees disclosure. Further - they also tacked on an " appraisal management fee '' - which I have no idea what that is. Even with that garbage fee, they still overcharged me by {$50.00} above the Itemization of Fees disclosure for the appraisal. I signed off on the Itemization on XXXX/XXXX/16, but XXXX suggested an FHA mortgage on XXXX to which I agreed. They never sent an updated Itemization after XXXX yet XXXX tried to tell me the FHA appraisal was more costly, but she never told me that when she suggested the FHA loan, nor did she explain WHY an FHA appraisal was more, or what an " appraisal management fee '' was. Worse, as the appraisal came in lower than expected, the re-fi did not go through and I 'm out {$520.00} for nothing.
I switched from a loan company to it 's parent company. I chose to pay over double what I needed to working on paying off my loan early. Every month I have sent in my payment with a note saying to put the extra amount to principle. For over 16 months, this has never happened. They make two monthly payments instead of putting money to principle. I have talked to multiple managers, but can not solve this unbelievably easy issue. Also, when I do call in to have it corrected, it has at times, taken up to 3 weeks for them to do this. This adds up to months of interest I am paying, when I should not. I do not think I should have to call in every month to correct such a simple problem, but they for some reason can not correct this issue.
On XX/XX/XXXX i paid my XXXX XXXX Bill with my bank card. The amount was : Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Fith THird bank claims they didnt process it when I I disputed some other chrages on my card. Fifth Third said that the payments was pending. But never told me they were paid. After 14 days they ( Fith Third ), charge back my payments and casued my account to be in the negative as of now. I'm very upset. The people at XXXX XXXX have received their monies since XX/XX/XXXX and not Fith THird is trying to hold me accountable for these payments that was made and thye screwed up. I'm asking for my account to be in the positive and hold them accountable for the monies that thye should have paid to my XXXX XXXX account..
my card was stolen and used about a month month and a half ago they credit some charges but still have me charged for over 2000k i should have a XXXX balance i called today to tell them they forgot charges they told me to call back
Navy Federal Credit Union continues to report an account for me that is well beyond reporting in the 7 year statute of limitations. I have tried to do multiple disputes through the credit bureaus that are ignored and there has been no validation of the debt proving th at Navy Fe d is right in their reporting. The last activity on this account was approximately in  XXXX  o f 2008.
My credit card company called me.in XXXX 2015 to report a fraud alert. I confirmed the fraud purchases totalling {$600.00}, yet they never took the fraudulent purchases off my statement and continued to charge me interest after I disputed the charges. I have written to them 3 times and never received a response. Ive emailed them requesting written responses and they say my only option is to call them ( which would leave no documentation ).
There are multiple inquiries reporting on my credit report and I have reached out to TransUnion multiple times letting them know I did not authorize the inquires. I am always told I need to contact the creditor, which I have tried and have not been successful. I call TransUnion back, and no one attempts to assist me and tell me there is nothing that can be done. 

The companies that I did not authorize are as followed : XXXX Inquiry Date XX/XX/2016 XXXX Inquiry Date XX/XX/2016 XXXX Inquiry Dates XX/XX/2016, XX/XX/2016, XX/XX/2016
I started a short sale process in XX/XX/2018 with Mr. Cooper. The process has been so long, my agent has submitted all requested documents and the bank has taken very long to work the file. we were told the file is only worked on every 5 days but at times it is way longer than that to get responses. The bank has always KNOWN of the FORECLOSURE SALE DATE and says they are working with us and will hold or postpone the sale date while we are working the file but they actually never do. On XX/XX/2018 they said the short sale has been approved as long as a counter offer of XXXX was submitted, the bank conveniently deleted that ONE MESSAGE but you can see attached the responses to that message and the message alert through my agents email that shows the date of the message being sent. The counter offer they needed to provide approval was sent and the approval never came. we called numerous times to have sale date of XX/XX/2018 postponed and they said they would but actually never did. It has been nothing but mortgage servicer abuse that has taken this long!!! All I want is to avoid foreclosure and I don't appreciate the games they are playing with my file. 5 moths with a file is just way too long when there are not many short sale files left to work with. Not answering messages or working the file on a timely manner is really time consuming for everyone.
XXXX  XXXX XXXX XXXX keep putting information on Equifax, XXXX  and XXXX  stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.
I called to contest the validity of the debt. The collection agent, XXXX XXXX, Operator ID XXXX, indicated that she would not indicate that I was contesting the validity of a debt unless I " proved that I did not owe it '' and that " the company will document that you owe the debt and it will just go back to collections. '' I felt this was misleading, coercive and abusive and in violation of my right to contest an invalid claim of debt against me. I am being charged by XXXX for a month of service when they never connected me, and I cancelled. This operator, instead of marking my account as dispute, attempted to strong arm me into paying even though I had just explained that I would not pay for services I never received. She talked over me, interrupted me, and misrepresented my statements rather than file the dispute as she is supposed to. I spoke then with her supervisor, XXXX XXXX XXXX, who also misrepresented the sequence of events and indicated that I had simply flatly refused to pay rather than validly disputing the debt. He later relented, but only after he raised his voice, talked over me, interrupted me repeatedly, and took a very condescending, offensive and abusive tone.
I have being doing tons of research on schools that commit loan fraud by way of predatory lending, misleading information about loans, inflating graduation success numbers, the inability for credits to transfer, students unable to find a job in their field ... etc. The same thing that happened with XXXX, and XXXX happened with the Art Institutes. The figures and interest rates for these loans are so ridiculously high, and somehow, my low income family was able to easily obtain these loans without it being explained to us. I have XXXX Private student loans. Some with interest rates as high as 14.5 % to the tune of {$120000.00}. The balance increases every day. I also have around XXXX Federal loans, for around {$60000.00}. My mom, ( my co-signer ) also found out that she has another loan, in her name for {$30000.00} ... when she was supposed to be my cosigner. She and I were lead to believe that we were signing papers each quarter to release the funds from our loans to the school. We did not realize that each time we were signing up for a new loan. XXXX students that attended the Art Institutes are going through the same thing. At first, I was trying to stay on top of these loans. I signed up with automatic debit, and was paying every month. I lost my job last year when my fiance and I had to move from XXXX XXXX to XXXX XXXX because he was transferred at his job. When I was unable to pay, the harassing calls became hourly, every day. In the past few months I have been headed towards default, and the calls became soul crushing. XXXX would not only harass me constantly, but they would insult me as well. They would tell me I was n't a good designer, and that 's why I could n't find work, they would tell me I was lazy and irresponsible, and treat me with complete disrespect. Just recently, I had a supervisor on the phone from XXXX, and he was trying to contact my mother because I was about to go into default. I said she could n't be reached because she was at work and could n't be disturbed. Not only that, but she was in the same place as I was, living paycheck to paycheck and could not help me with these loans ... they wanted around {$1000.00} a month. When I said again, that I did not give them permission to contact her, he put me on hold saying he was going to get another supervisor. When we finished the call I had a voicemail from my Grandmother, saying that they contacted her looking for my mother and asking for her information! My grandmother is in no way affiliated with my loans. She is not my co-signer or even my co-signers mother. This has gotten to a point where it is affecting my XXXX health. I understand that I have to pay for school. But what I do n't understand, is how it could possibly be so much. I went through my paperwork from the financial aid office and found out I had around {$20000.00} in grant and scholarship money, but I can not for the life of me find out where it was applied. I graduated in 2011. I understand I have high interest rates, but what I do n't understand is how {$20000.00} plus {$120000.00}, plus {$60000.00}, plus {$30000.00} equals 4 years at college.
On XX/XX/2018, Wells Fargo Bank shut down my account along with any and all access to it without notifying me. When I went into the bank for clarification of this, I was told that " Wells Fargo has made a business decision to part ways with you because your account is considered a security risk due to too many claims ''. No correspondence was made prior to this, besides what I have attached from the messaging service they have on their website which states the account was being terminated. They also activated my debit card seen on the letter provided without my permission after they has already closed it.
Green Tree Servicing ( Called GT here ) owns my mortgage loan. My loan has always been paid early! The issue is that GT 's staff is unable to properly process and credit payments when received even if they are made early.. It is impossible to get help by calling and emailing them. I contact XXXX and they say GT owns the loan and it can not be moved by XXXX even though XXXX owns the loan and pays for servicing. I am stuck with GT. Current I paid the monthly payment as billed per GT statement.Now after XXXX phone calls, XXXX emails, a call to the investment company XXXX XXXX XXXX XXXX in XXXX that owns GT and a call to XXXX my account still does not balance. NO ONE AT GT WHO CAN FIX MY PROBLEM IS AVAILABLE TO TALK WITH ME! Anyone who calls is only allowed to talk with someone who can not take any action and simply types some version of your question and syas it is being sent to " them for review ''
I have been trying to obtain a mortgage discharge for an old paid off mortgage and Citizen 's Bank ( formerly RBS Citizen 's has repeatedly lied about taking care of this. They first promised two weeks, then thirty days, then more time. They are holding up the sale of a property. State law here in Massachusetts requires them to respond in thirty days. 
After a loan is paid in full the bank is obligated to issue a discharge. As this is not a profit center the bank is not providing staff to meet its obligations. 
I am an attorney representing the buyer. The seller has had no success going into the branch and asked me to help. I made a written request for a discharge in XXXX. If I, as an attorney, can not get a discharge, imagine how frustrating this must be for peo
We have had a 30-yr. mortgage for 10 years ( XXXX/XXXX/XXXX ) with XXXX ( XXXX. XXXX XXXX, XXXX, OH XXXX ) on our primary residence. Last month, we received a monthly mortgage statement from Seterus, Inc. ( XX/XX/XXXX ), without my knowledge that XXXX had transferred our mortgage to Seterus so I sent our payment of {$2300.00} on XX/XX/XXXX. A week after that, we received a letter from XXXX notifying us that the check was sent to XXXX, XXXX being our new mortgagor since it 's still within the XXXX transaction period between XXXX and Seterus, Inc.. We called XXXX and found out that they have transferred our mortgage to XXXX XXXX XXXX and was told that they have sent a " Good-bye '' letter through USPS . Unfortunately, I ( XXXX XXXX ) was on a trip outside of the US since XXXX XXXX, XXXX and returned on XXXX XXXX, XXXX. While away, I tried to contact XXXX through email payment but was not allowed to do such transaction because the correspondence was considered " suspicious. '' Therefore, that did not allow me to pay our monthly mortgage for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX on line ( without my knowledge that our account was already transferred on XXXX XXXX, XXXX ). I called XXXX and complained about not forwarding the " Good-bye '' letter through email since I have been corresponding with them for years through email and why it was different this time when they wanted to send the good-bye letter. Had I received that good-bye letter through email, I could have told my husband to arrange payment with them with my authorization. I believed that they did not give us a chance to make the necessary payment arrangement before they transferred our account to Seterus. We contacted Seterus, Inc. trying to make a {$1500.00} payment on XXXX/XXXX/XXXX. We also let them know that the amount is all we can afford to pay towards our mortgage since I have been unemployed since XXXX XXXX, XXXX. My husband is a veteran and is receiving XXXX benefits. He 's recently on a car accident and sustained XXXX which he will require and is scheduled for a XXXX on XXXX XXXX, therby limiting his ability to earn more money. Seterus, Inc. was not helpful and rude that they have threatened us to foreclose our home. I have paper trail to show our attempt to catch up with our payments as well as travel documents to prove that I was not in the USA when XXXX sold our mortgage to Seterus. Inc.. At this time Seterus has put the {$2300.00} as a suspense account.
Debt which is paid in full has been bought by a zombie debt collector and needs to be removed immediately.
Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX  in and XXXX XXXX once and for good OFF my record.

Under XXXX there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX  card.
I have paid off my auto loan but on my credit report it shows I still owe {$15000.00}. That is so untrue and my credit report needs to reflect that the account has been paid off.
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX our area was significantly impacted by Hurricane Irma and declared by FEMA as eligible for individual assistance. My home mortgage is owned by XXXX XXXX and serviced by Bank of America. The assistance program is established for federally backed loans to provide relief from Hurricanes Harvey and Irma. 

An overview of this program is included for your convenience. Available at https : //www.fhfa.gov/XXXX The effect of the storm has caused significant and immediate loss of income and moderate damage to our primary property/residence XX/XX/XXXX. I made my initial request for Forbearance to Bank of America. They stated that they would forebear the loan until XX/XX/XXXX with a credit hold. They then explained to me that I would have to repay the entire amount of the past three months and the month of XX/XX/XXXX. I explained that this was incorrect and did not follow the program. 
XX/XX/XXXX I called BofA mortgage assistance program and talked with XXXX XXXX who then transferred me to XXXX XXXX. During these discussions, I explained that Bank of America forbearance program does not meet the federal guidelines. They again explained to me that they would forebear the loan for 90 days and at that time I would be responsible for repaying the entire back amount and the monthly payment in XX/XX/XXXX. They also explained that the credit hold would take place during the forbearance but then the credit hold would be removed and the loan would report to the credit bureau. In essence, they are going to increase the balance due on the note for 90 days and then make it all due. They are then going to report to the credit bureau that I have an unpaid balance that is past due. 
I explained the federal guidelines published by the XXXX XXXX I clearly stated to the representative that Bank of America is not following the Federal guideline. 

I am requesting 6 months forbearance without having to repay the mortgage all at once at the end of the 6 months as per the federal guidelines.
I asked XXXX XXXX XXXX for a discount on my automobile insurance they stated that they did not have any discounts, so I obtained another insurance company XXXX and told XXXX I do not owe you money they sent notice that if I showed them my Declarations page they would delete the purported money I owed them I do not have to send them any more of my personal information I do not have insurance with them any longer. So this what I received in the mail in XXXX. I do not have an account with this company. This is IDENTITY THEFT pursuant to 16CFR 603.2. I have contacted this DEBT COLLECTOR. I am feeling upset, about this and I try to sleep but ca n't do that much because of my Credit Report being torn apart just because when I want to secure things for my personal, family or household use, I have intruders trying to steal everything I have in the name of DEBT COLLECTION I did not give my permission for this DEBT COLLECTOR CREDIT COLLECTION SERVICES to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR CREDIT COLLECTION SERVICE to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I do not know how this DEBT COLLECTOR Obtained my non-public private information which is a GRAMM LEACH BLILEY ACT violation. This is IDENTITY THEFT pursuant to 16CFR 603.2. This DEBT COLLECTOR CREDIT COLLECTION SERVICES is trying to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CREDIT COLLECTION SERVICES, this is aiding and abetting fraud on the Consumer who is a natural person. I do not know where they got some figure saying I owe them they are strangers into my private affairs. 
This Debt Collector has violated and harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this CREDIT COLLECTION SERIVES DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.