WillisBack/dataset-financial-user-claim huggingface dataset:
I was doing automatic payments via my bank check account, my school enrolled me in school again and Navient, instead of calling me or email me to the designated email I assign to contact me, they did deferment of payments when I started the school enrollment accruing taxes. At the time my school enrolled me, I was taking care of my Daughter, she got really sick in those days going on and off from the hospital for 4 months ; finally on XX/XX/2016 she got XXXX and now is doing better. They made all this changes in that period of time. Since was an automatic payment, I did not care to check if they were taking the money of my account or not. Recently when I needed to take a copy of my XXXX I noticed the interest was XXXX to deduct from my loan, I contacted them and they told me they sent me emails to my primary email which they never did about the deferment of payments. Today I saw that they sent me emails to my Navient 's account. I am still a student and will be in the next months until XX/XX/XXXX, and I received a letter that I will start my payments in XX/XX/XXXX, So if by law they need to defer payments while you are enrolled in school, why they will restart the repayments in XX/XX/XXXX. I told them is not fair they did not notified me and they told me I needed to know the rules about payments. Their answering service for claims is an outsource company and you can not speak with a manager. I think they need to be punished not notifying clients about changes in their accounts to their personal emails. In my profile its stated which is my preferred email to be contacted and they did not do it as requested. Also, when I was a student, I chose the option to pay my interests monthly while in school, they never contact me for payments and they accrued a considerable amount of money, you can check the documents they should have on file. Also they need to be penalized for not following the borrowers wishes and choices. I come from XXXX, everything with loans is new for me. I think that they purposely do not explain things so you pay more interests. Thanks, My phone number is XXXX, My email is XXXXXXXXXXXX
since XX/XX/XXXX, there has been a freeze by XXXX on my credit file.i can not buy anything, my report either shows i do not exist or all o.over 40 calls to XXXX and they tell me it is not frozen.they sent me to trusted id and over 30 calls and i still can not get my credit there.i have been to three car lots and always get the same answer.i had one preson at the freeze department of XXXX have me send in copies of my id.no help as there is no freeze they say.out of the over 40, around 15 say XXXX had frozen my credit due to security breach, they said they were taking it off with no change.one gave me a confirmation number and when i called back it was a made up number.i do not know what to do i have exhausted every opition i know of.please help i do not know who to call or what to do.i do not want to lose my home or cards as they monitor credit.thanks for any help i am pass frustrated
XXXX/XXXX XXXX recently changed to XXXX so new cards were issued to users. I attempted to call XXXX to get back statements from 2015 in order to do taxes ( I keep all business expenses on that card ). They told me I had to get that info from XXXX. I contacted XXXX and they said they had to request the info from XXXX and it would take 14 business days, which is unacceptable when just a week ago all this information was available online. Both companies are being difficult to work with and are unwilling to get me MY statements in a timely fashion. I have no recourse as the little guy dealing with XXXX giant companies and they are not giving me fair, timely information.
My student loans are being paid through Navient. I have been paying on my student loans since XX/XX/2006. My initial loan balance was about {$5000.00} or a little more. Currently my loan balance is {$3900.00} some of my loans are subidized and some are unsubsidized. I am being charged SO much for interest and this is giving me no relief in paying my loans off. I do n't think that I 'm being billed fairly. Navient has had a lot of issues an I feel that my loan needs to be looked into.
unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXXXX/XX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.
An erroneous property tax refund check was sent to my Mortgage Servicer ( USBankCorp ) which was subsequently cashed on XXXX by USBankCorp and credited to my Escrow account on XXXX. A letter was sent to USBankCorp requesting repayment to the County of the erroneous refund on XXXX. As of XXXX, the bank has not responded to the request, despite receiving XXXX separate written requests, and has not remitted payment to my County 's tax department. This is the XXXX occasion in which my Mortgage Servicer has not responded in a timely fashion to a request for escrow servicing.
In XX/XX/2014 I signed up for a class with the XXXX XXXX  XXXX XXXX XXXX. The financial obligation statement signed states " I agree that by registering for courses within the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am financially obligated for ALL costs related to the registered course ( s ). Upon a drop or withdrawal, I agree that I will be responsible for all charges as noted in the student catalog and handbook. I further understand that if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. I also agree to pay for the fees of any collection agency, which may be based on a percentage of the debt up to a maximum of 35 %, and all additional costs and expenses, including any protested check fees, court filing costs and reasonable attorney 's fees, which will add significant costs to my account balance. '' This statement does not say anything about loan terms. It does not specify an overdue balance being categorized as a loan. No line of credit was provided. The statement does not specify any type of monthly payment agreement. The only thing this statement says regarding credit is " ... if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. '' However, this organization is categorizing this balance as an unsecured loan, on a revolving account with a monthly payment obligation, now reporting 32 missed payments on my credit report. Since XX/XX/2014 I have been actively trying to get this reporting resolved with XXXX themselves, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX the collection agency managing the account, and the credit bureaus. When referencing the fair credit reporting act, the institutions actions are in violations in multiple ways. The financial obligation statement is vague and does not clearly explain how they are treating past due balances. With the exception of the credit bureaus, none of these organizations have responded to me directly after multiple disputes. They also have no documentation that outlines a service term, loan agreement or line credit being extended.
Recently I acquired a Kay Credit Card. I set up auto pay. It all went smoothly except what would have been the last payment, on their system, archaic, did not process what should have been my last payment. I had set up the payment system to pay off in a certain period, so the payment was more the minimum payment. My payment was set for {$150.00}. The last payment came to {$88.00}, so my set auto payment of {$150.00} was in excess. So instead of the system being smart enough to apply an if-then situation as such as IF greater than {$150.00} is owed, only pay {$150.00}, it handled well. But in this case, it should have been IF what is owed is less than the scheduled payment, then only apply what is owed, in this case {$88.00}. So what happens is I think I 'm all set I have auto payments set up so no way am I going to miss a payment. However much to my dismay, no payment is taken even though I have authorized and requested for a payment to be taken, thus making my payment late. The call center does not identify as Kay Jewelers, it actually sounds like a spam call. it states " Your jeweler is calling you '', I 'm thinking I did n't contact a jeweler this is a spam call. It should say Kay Jewelers is calling you because of a credit card issue. It needs to be clear. If I had not thought to look up the phone number after the second call, my account would have went in to default, when it should have been paid off in full. To me this is very dishonest practice, it enables this company to be able to charge me a late fee and increase my interest rate. If they report this late payment to my credit, then I get a ding on my credit report, all because they have a system set up that is incapable of processing a last payment amount that is less than an auto payment. To me this is an illegal process that is trying to cause me to incur more fees. I set up my auto pay to run until the account was paid off and it should have done that.
THE LONG AND SHORT OF THIS IS THAT XXXX XXXX XXXX IS DINGING ME FOR UNDER PAYING XXXX DOLLAR, IF YOULL LOOK AT ALL MY LEASE WITH FORD, IVE EITHER OVER PAY THE LEASE PAYMENT OR PAID EARLY, IT SO HAPPEN THAT I WAS A LITTLE SHORT ON FUNDS ONE MONTH SO I ALWAYS GO INTO MY BILL PAY ONLINE BANKING AND PAID WHAT THE BILL SAID, UNFORTUNATELY ONE MONTH I PAID I THINK IS WAS LIKE XXXX SO THE NEXT MONTH I WHEN ONLINE BANKING WENT DOWN MY LIST AND PAID AS I DID THE MONTH BEFORE, AND FORD MADE IT A POINT NOT TO CONTACT TILL THE 31 DAY TO SAY XXXX XXXX YOUR SHORT XXXX DOLLAR, WHEN I ASK WHY THEY DIDNT CALL ME THEY SAID WE DONT BOTHER OUR GREAT CUSTOMER, AND I SAID SO YOU WAITED TILL THE 31 FIRST DAY TO SAY AM XXXX DOLLAR SHORT SO YOU CAN DING MY CREDIT IF YOULL LOOK AT MY HISTORY YOULL SEE WHAT AM SAYING IS TRUE AND SHOULD BE CORRECTED THANK YOU FOR YOUR TIME
InXX/XX/XXXXI bought my 1st house with Countrywide Financial Mortgage Co. As well known litigation XX/XX/XXXXallowed me to refinance my house with BofA , HARP program staid no closing cost, but I was charged the closing cost that was added to my outstanding balance. That time one benefit was no appraisal required by BofA. I asked BofA remove my PMI monthly payments, but they rejected my request. I paid PMI sinceXX/XX/XXXX {$98.00} x 12 month x 11 years = {$13000.00}!!! just PMI!!! beside interest ( 4-6 ) % on top of this.XX/XX/XXXX, last year, I asked BofA calculate for me how much I have to pay down to avoid PMI, that really unfair charges that sound like penalty to the first time home buyer!!! instead of benefits I got penalty!! Well since that BofA replied my with the general letter. I went twice in local branch : XXXX XXXX XXXX XXXXKS XXXX, tel XXXX. XXXX XXXX /NMLS ID XXXX/ and he was not able to tell me exact amount of pay to avoid PMI. I decided make own calculation. I borrowed $ XXXX from BofA, my resent balance $ XXXX, then ratio is 82 % ( XXXX:XXXX ) O.K. the general letters said my ratio need to be at least 80 %. Well, I paid down other $ 20K. Now my balance is below $ 100K, compare to borrowed amount $ XXXX it is 68 %. If take for consideration XXXX COUNTY APPRAISER 'S my house market value {$170000.00}, and the ratio will be 58 %. But BofA refused to accept XXXX COUNTY APPRAISER and force me to do an appraisal from they list that cost me $ 500- {$600.00}!! why do I need trough my money UNNECESSARY to somebody instead of to make payments against my principal? Why BofA was able refinance me in the first place without appraisal, and refused now?? I see only one answer : GREED!! the vain hope of finding work.
I pulled my credit annual report and found false information being shared to credit card company. Nasty remarks like failed to pay promised loans I am not receiving any credit for continueing to paying my home mortgage ( XXXX XXXX XXXX ) and my home equity line of credit ( XXXX XXXX ) since XXXX XXXX. A few other no no 's have been deleted, but Experien is Remaining on the outcome to not report. it shows CO XXXX XXXX, which I have made my payment since day one of this bank buying my loan in XX/XX/XXXX to XX/XX/XXXX. Same with us bank. So none of the credit agencies are willing to do the right thing and report my payments being made, on time, every month, never late. XXXX got even nastier and took my fica score from XXXX to XXXX than XXXX within 2 weeks??? I am not giving up to get the correct credit reporting. I sent them proof of all my payments made, proof from both corporate banks showing i made the payments and these credit bureas are still refusing to show that. I can send documents if need be, but these are sensitive and last thing i need is more problems with my credit. If need be, i can send all that I have in, which is about XXXX pages. XXXX XXXX muddied up my credit report last year when I cancelled a refi loan in where they were asking enormous fees to do an appraisal. The paper trails says it all for itself. it 's not coincidental, I spoke with XXXX men XXXX and XXXX at the XXXX office, and they both had bad attitudes towards me.
I have filed a previous claim against Amazon/Chase Bank. It was XXXX. It was for XXXX credit card applications in my name that showed as credit inquiries on my credit report. I did not submit any of these applications. I have since submitted a police report and placed 7 year freezes on my credit with all agencies. There were 11th and 12th applications that sneaked in before the freeze took hold. All XXXX inquiries have been removed from credit reports. However, I continue to receive credit application letters from Amazon/Chase. I have now received XXXX applications. The last 7 letters all state they can not process the application due to the credit freeze. Although I no longer have to worry about my credit, this is still a form of harassment. Amazon/Chase refuse to do anything to create an opt out list to prevent further applications. There is a very long blog on Amazon 's website complaining about this exact same problem. I think it is past time for the government to step in. I 'm uploading one of the letters. They are all the same or very similar. The reference numbers of the letters since the last complaint are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
The debt collector sued me in local court and obtained a judgement lien which has been placed on my home. This home is the only property I own. A notice was given to me informing me of the suit being initiated against me. Within my state of SC, the statute of limitation for filing a judgement on a non-federal student loan is 3 years. My understanding was that the court would not grant the lien because the statute of limitation had expired so I did not respond. However, the local court did grant the lien. I later found that I had to present my case regarding statute of limitation in court. My question is, Is it legal for a debt collector to seek a judgement claim even though the statute of limitation for doing so expired? 

Does this fall in the category of unfair or abusive debt collection practice?
EXPERIAN - Today I received a report from Experian notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, Experian, XXXX and XXXX. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX  and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.
National Credit Systems is the collection agency that is reporting inaccurate information to my credit report. I have disputed with them and through all 3 bureaus multiple times and they keep reporting that the information is accurate but refuse to provide documentation from the original creditor whom is the XXXX   XXXX  XXXX XXXX XXXX.I originally tried to reach out to the apartment complex myself but this complex was sold to another company and they have no record of anything. I disputed the balance they say I owe which is {$5300.00}. I've asked they send me proof of this balance and they keep sending me the last account ledger ( which is inaccurate ) from the Apartment complex prior to them being sold.
After the Equifax data breach, the company waited over a month to send out a press release ( and during this time period three major figures in the company sold a significant portion of their stakes in the company, which is ethically questionable ). Equifax did not contact me directly, so I had to find out about the data breach via word of mouth. Their website did not clearly direct me to their SEPARATE website ) ( equifaxsecurity2017.com ) where I could check if I my personal data breached. 

When I finally inserted my information into their new website to find out if it had been compromised, the site said it likely was and only offered one year of credit monitoring with their product TrustedID. I am still waiting for my given sign up date to enroll in credit monitoring, and there is a lot of unclear messaging about whether enrolling in TrustedID would mean that I can not participate in a class action suit against TrustedID. For now, they only reassure consumers that enrolling in TrustedID will not prevent us from participating in a class action suit against Equifax for the breach. 

I now have very little trust in this complementary credit monitoring product ; if Equifax could be affected by such a severe data breach, surely its TrustedID product similarly might be victim to such a cyber attack. Moreover, why is it only offered for a year? They should offer complementary monitoring for as long as we still have the same social security number ( i.e. indefinitely ). 

I hope there is a proper government investigation into the company 's leadership regarding their response before making this public and also how they have failed to properly protect their consumers afterward.
After going through a long modification process with BofA, I finally got my loan modified and began making regular payments again last fall. In XXXX, I received notice that my loan would be transferred to SETERUS, INC. effective XXXX/XXXX/15. Having not received a 'welcome pkg ', I called Seterus to learn my new acct # so I could put it into my bank payment system and I made my XXXX & XXXX payments on time. Made my XXXX payment on time but did not get a statement until XXXX XXXX which said I was late and late charges were applied. That is when I checked the # I put into my bank system vs the # that was in the welcome pkg & statements : they were not the same -- -not even close enough to have been a typo on my part. I called Seterus and actually got a nice female rep who tried to help me. She could n't find any record of my payment until I gave her the # that the rep gave me back in XXXX. Then she found my payment but said it had been pulled out of the erroneous account but she did n't know where it went. She said she would do some further checking and would submit a reverse the late fee charge. Made XXXX payment on time with correct # in system but when I got my statement, it still showed me a month behind. I faxed in a detailed letter explaining the problem, the error & listing of all my transactions. On XXXX I got another late notice and charge. I called again and a nice male rep helped me. He found my letter in the computer files but it was as if no one had even read it. He told me talking to a supervisor would n't help but he looked over my letter and said he would escalate the issue to get it resolved. He asked me to submit a copy of my bank statement for XXXX showing the payment was made which I immediately did that day. XXXX payment made on time but again statement showed month behind and on XXXX received another late notice and charge. Two months gone by and issue has not been solved. Faxed another letter today to Seterus and filed complaints with XXXX of XXXX, XXXX, XXXX, the XXXX Attorney General Office and XXXX.
I had an in XXXX your of bankruptcy placed on my credit file. I filed a complaint with transunion and XXXX XXXX. The other agencies are not reporting any collections and XXXX XXXX sent me a letter thru the CFPB portal advising that they have removed that record.
In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXX 's business. 
That bankruptcy never included the XXXX & XXXX mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX  XXXX, XXXX  XXXX, & XXXX XXXX. 
In XX/XX/2018, XXXX  XXXX XXXX ( holder of the 1st mortgage ) notified us that they sold that mortgage to Fay Servicing. We were paid up and current with XXXX, and going forward from XX/XX/2018 our payment were to be made to Fay Servicing. We did all that. 
Now Fy Servicing/XXXX is insisting on a duplicate payment back to them that we were never notified about and XXXX has attached themselves to our bankruptcy after-the-fact. 
On XX/XX/2018 as we filed the bankrupcy, a payment to XXXX was pending. That payment was made XX/XX/XXXX properly and on time. XXXX admits this. 

This pending payment was automatically swept up into the bankrupcy ( even though XXXX was never named in the bankrupcy ). 

Fay Servicing should remove the requested payment from the bankrupcy, and amend our mortgage payment records and all credit reporting agency records to reflect that we are current with the morgage and there was never a late or missing payment.
On or about XXXX I did open a credit account with Captial One Bank and the credit limit was around about {$500.00} I did maintain this account up until XX/XX/XXXX where as because of hardship I was unable to pay a minimum payment so a little over one year later because of my non payment I became delinquency on or about XX/XX/XXXX this debut is suppose to be removed last year but has not been the company that is re aging this debut is named XXXX XXXX XXXX.
I was made aware today that MOHELA has been calling family members for the past week looking for me. They were told repeatedly that I do not live there but still continued to harass him. I spoke with them today and they said I must have provided them with the number but this is false and they did not take the matter seriously.