WillisBack/dataset-financial-user-claim huggingface dataset:
I recently heard Pennsylvania filed a lawsuit against Navient for unfair practices. Upon investigation of my own loans I have discovered that my original loan balance for my federal and private loans was {$59000.00}. My privates loans were for {$37000.00}. I have made {$29000.00} in payments of which {$19000.00} has gone to interest with {$9900.00} going to the principal. My current balance is {$29000.00}. My first federal loan was for {$9800.00} I have made {$5400.00} in payments with {$4400.00} going to interest and only {$960.00} going towards my principal. After being forced into forbearance my current balance is {$11000.00}. My second federal loan has a starting balance of {$12000.00}. I have made {$6900.00} in payments of which {$5600.00} has gone to interest and only {$1200.00} has gone to my principal. After being forced into forbearance my current balance is {$14000.00}. Navient states my current balance owed is {$54000.00} which doesnt even take in to account the {$42000.00} in payments I have made. {$29000.00} has gone to interest with only {$12000.00} going towards my principal. I have called Navient at least once a week trying to get explanations about how my payments are applied and I get no real answers in return. My private loans are in an interest rate reduction program. I was recently told that my payment of {$250.00} was divided between the interest of {$230.00} and {$20.00} going to my principal. I have been trying to get on an income based payment but I can not afford the payment because they add me and my husbands income together and come up with an outrageous amount for me to pay. I am now trying to apply for an income sensitive repayment program which Im being told will take my husbands income into account also so I wont be able to afford the payment again. I want to know what happened to all the money I have paid and why my balance only reflects a {$5000.00} difference when according to them I have paid {$12000.00} on my principal. I have asked for documents and copies of my promissory note and was told they would be in the mail but I have never received any documentation. I also asked for proof that my father co-signed my loans and have never received that document either
My bank reordered transactions in order to charge more overdraft fees from my checking account. They took the largest withdrawal first, in order to overdraw the account, then charged {$37.00} for each additional withdrawal, for a total of {$180.00} in overdraft fees. When I called to inquire about why they reordered the charges, they said " that was their policy. '' I believe this a predatory policy and First National Bank has previously settled a class-action lawsuit related to this.
: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
I was scammed on my XXXX credit card by someone I met on line at a dating site called XXXX. I have sent all this information to XXXX Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. XXXX has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.
I took out a loan back in XX/XX/XXXX to attend XXXX College which at the time my servicer was SallieMae, but was soon after taken over by Navient. Over the course f a few years I have been trying to get my payments lowered and my co-signer who happens to be my ex-wife removed. I always being told that there is nothing the can do and I'm all out of options. I'm being charged a ridiculous amount of much of which I'm barely able to take care of myself and my children at this point. As of resent I started doing some research and also consulted my attorney and found that the school I was attending closed it door on XX/XX/XXXX but I never informed of this information. When asked or questioned about it I was bounced around from person to person and my questions were never really answered.
XXXX XXXX claimed he worked for BB & T said I was approve for the Obama Government loan of 2.25 % interest on my Home But had to send XXXX to be able to get this rate by XX/XX/XXXX and then he would send me all of the paper work also talked to a XXXX XXXX which he claim he was a Manger for BB & T to let me know I was Approved .So I sent the money now I find out that was not true so I am out XXXX the phone number is XXXX I have the recipient for it. I found out it was not true now I want my refund they said they would give me
XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from Equifax XXXX and XXXX. To date the debt has not been validated but still remains on my equifax and XXXX  credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and equifax and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
I was offered terms to refinance a current FHA home loan, and proceeded with the loan origination. They were made aware that the seasoning requirement from a previous short-sale was not going to be met until the end of XXXX 2015, however I was assured that they can originate the loan sooner, but would not close it until the seasoning timeframe was met in XXXX. As we neared closure, I was then informed that the underwriters would not accept the loan since it was originated prior to the seasoning requirement, and was not acceptable even if closure would not happen until XXXX. This was not in alignment with what I was originally told. The rate lock then expired and another loan was originated in XXXX. This loan then sat waiting for " pricing exemptions '' and other rate adjustments that the loan officer was trying to push through to match the original terms from the 1st origination. This then lead to another expiration of the rate lock. Now, the mortgage company is offering me terms that are much different from what was originally agreed to, which includes a higher loan amount to cover the rate re-lock fees ( which expired due to issues on their end ), as well as to cover PMI, which they said was going to be lender-paid in the original terms. They 've also done a 2nd appraisal to on the property in order to try and further adjust terms and costs.
Ad Astra is a collection agency that has taken over a debt that was discharged in my bankruptcy. I provided the document to XXXX XXXX months ago and now these people continually call me at work, on my cell and at home.
I have in my report late payment in XX/XX/XXXX and XX/XX/2016 late payment XXXX XXXX Account # XXXX.The information is incorrect.I was never late.
1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my Equifax report but shows on XXXX & XXXX.
My mortgage was owned and serviced by XXXX. My loan was sold to Select Portfolio Servicing, Inc. ( SPS ). 

Previously my loan had been on automatic payment for 12 years with XXXX. Upon the transfer SPS I was required to arrange for new automatic payment. I did so, but SPS took an unreasonably long time to process my request ( 45 days ). During that unreasonable delay my payment became due and was not made despite my ACH application. 

This caused my account to be in default which ceased further ACH payment and caused fees to be applied to my account and potentially derogatory information on my credit report. 

I logged in to the SPS website and there was no option to actually pay the full amount due to bring the account current. The only way to do that is call SPS and manually request full payment in time to allow the original ACH scheduling process to go through. 

Put another way, I applied for ACH payments on XX/XX/XXXX. As of XX/XX/XXXX no ACH had been taken and I was in an endless trap to never have ACH payments made and never bring my account current.
I filed disputes with Equifax. They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within XXXX days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All equifax did was send me a response saying the accounts were n't reporting which they are. Equifax - A medical bill with an account number listed of XXXX and {$490.00} balance, A medical bill of {$81.00} with an account number listed of XXXX, A medical bill with an account number listed of XXXX for {$57.00}, A medical bill with account number of XXXX for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also XXXX XXXX. I also filed disputes with XXXX and XXXX they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with equifax. I am following up with this complaint in hopes that they really do an investigation this time. XXXX - XXXX XXXX XXXX and XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.
I have been asked to send a letter disputing a charge from XXXX FL for {$33.00} on XXXX/XXXX/2015. I did not authorize this transaction or signed any receipts. I can say I was at such place and have been there before but this transaction was not made by me. I put my card down for purchases but did not purchase anything. Please credit account ASAP. 
A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because " I did not provide any documentation ''. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys ca n't just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why do n't you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I do n't ' think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed. 
I want my credit on my account. If I do n't get a credit I will close it and further complaint to the XXXX, FTC, and CFPB and let them investigate your practices and maybe they will find out you are not following proper rules. I will raise hell if I believe you are not handling my account correctly. I will make sure somebody is accountable. You are messing with the wrong person when it comes to my account. 
Sincerely, XXXX XXXX
I called a student loan company that said they would help me stop garnishment of my paycheck for student loans. I was told to make a upfront fee to them. I paid over {$1500.00} to this company as stated in my bank statement it shows XXXX in Florida for the amounts of {$280.00} and there are six payments made to this company. As you can see this company is the same as 77 Elite it is the same address and location. 77 Elite stated I never made any payments and that is a complete lie because as you can see they are in the same address. I think this might be a scam and they just changed names. I have for the past year sent all documents requested but yet this company has not helped stop my garnishment like they said they would. This company has done nothing but constantly say they are working on it and need more documents. How much do you need. They were quick to take my money but have done nothing to help me. They are a scam.
On XXXX XXXX I prepaid for a rental at XXXX XXXX for {$140.00} & I wasnt aware that I did not have my debit card on me. I called USAA for assistance and the Representative carelessly closes both of my Debit cards and she was only to do one. A few months later USAA took $ XXXXp from my account and when I called to find out why this happens it was told to me that I waa supposed to do a Dispute for this amount by XXXX and because I didnt think I'd needed to do it because of a fault of their Representative I'd expressed this but nonetheless I'd submitted a Dispute. For weeks I did not receive feedback on the refunded amount and again I wrote another Dispute letter and speaking to the CEO assistant of the matter which again no action was taken. 
On XXXX XXXX I'd received a phone call from another CEO assistants and was told that the second Dispute letter was " not good enough '' & I should explain further to which I should be refunded my money. Again i wrote another Dispute letter and i have it here uploaded. Today i get a message from my bank messaged to tell me that the Dispute letter was not sufficient enough as I'd explained thoroughly that my payment was prepaid via app and I called the Accounting office to see about the {$140.00} and the Accountant responded to me since I'd prepaid from the app she was not able to see the payment only when I'd arrived to pay for the rental in full. 
It's been over a month and this bank USAA isnt holding themselves in full responsibility of the action of their Representatives fault. And I need some help in getting this resolved so I can my funds rightfully back to me
On XX/XX/2017, i made a payment to credit collection services on XX/XX/2017 in the amount of XXXX. Then i made a payment arrangement for the company to collect XXXX every month from my checking account. But as i looked at my bank account, the compsny doubled the payment and made two attempts to collect XXXX in XX/XX/XXXX and XX/XX/2017. I called credit collection services on XX/XX/2017 on the recorded line and I told the rep that they are deducting more than what i agreed to and that it made my account overdrawn. The rep looked in the notes and saw where the extra XXXX was coming out. And it showed in her record that only XXXX dollars supposed to come out and stated not XXXX was to come out my checking account. She stated the the company would reverse me the difference and have someone to call me Monday. But today is Tuesday and no one has called me, so i decided to file a compliant.
On XX/XX/XXXX XXXX Apartments ( now represented by Protas, Spivok & Collins filed a Warrant In Debt against me. XXXX This is regarding the same dept. complaint filed XX/XX/XXXX CFPB case number XXXX XXXX XXXX XXXX XXXX I have reached out to attorney XXXX XXXX XXXX of Protas, Spivok & Collins several times requesting documentation to support the balance due. ( The same issue I was having with the previous dept collectors XXXX XXXX XXXX. This balance has yet to be substantiated and the direct communication to the attorney to obtain documentation is being ignored. The original hearing was set for XX/XX/XXXX and it was noticed that there was a billing error as they tried to obtain judgment for {$8400.00} XXXX double the original amount ordered ). Due to this error the case was continued to XX/XX/XXXX. On XX/XX/XXXX the balance although adjusted still was not correct, and the judge ordered a bill of particulars to be mailed to my address within 15 days form XX/XX/XXXX and the case was continued again to XX/XX/XXXX. On XX/XX/XXXX they filed a nonsuit and no new court date has been set. 

As of today I still have no documentation to support the current balance, and no date to anticipate when this matter will be resolved. When I ask the attorney XXXX XXXX for the information she does not respond to my email requests.
XXXX claimed that I owed them XXXX possibly XX/XX/XXXX. After retaining funds from two banks accounts, along with the payment made XX/XX/XXXX. This debt was paid in full ( and then some. ) I received a letter today from Transworld Systems Inc. stating that I have a collection account due to non-payment. This is false information as this debt has been paid in full ( on 3 various transactions, through XXXX, XXXX XXXX, and XXXX. ) I also have the letter from XXXX XXXX, at XXXX stating this debt has been PAID IN FULL.
On Tuesday, XX/XX/2018, I ordered {$180.00} worth of clothing from an international company XXXX located in XXXX XXXX through PayPal. On XX/XX/2018, I checked the tracking number of the merchandise through the company 's website. The company showed the items were delivered to my address in XXXX, NY on XX/XX/2018. I live at a private residence and I checked with everyone who lives in the household and surrounding neighbors to see if they may have my package. They all assured me they did not have the package. I notified the company directly in early XXXX that I did not get the items. The company asked me to check with my local post office ( XXXX Post Office ). On XX/XX/2018, I went down to XXXX 's post office with the tracking number and asked if my package was still there. The clerk referred me to the supervisor who informed me the package was misdelivered and they were working to retrieve it from the address where it was delivered to. After going back and forth with the post office for weeks I was told they could not retrieve the package and I would not be able to file an insurance claim through them because I did not take out insurance through their ( USPS ) organization to cover my loss. My last alternative was to ask Paypal to investigate the matter and that I had proof that I never actually received my package despite what the tracking information showed. Paypal  Credit refuses to give me a refund although the post office and the company agreed that the package was lost.
The following attached information is in relation to my complaint # XXXX regarding negligent handling of my attempt to payoff a personal loan. I just received the attached information today in the mail. The letter from the USAA Federal Savings Bank claims that " Your payment was incomplete due to invalid or missing account number. '' As you can clearly see from the check that they returned to me, the loan number is clearly written underneath my signature. I have also enclosed the " Consumer Loan Statement '' I received from them five days before it was due. The loan numbers on my personal check and their loan statement are a perfect match. There is no basis whatsoever for rejecting my payment. This is willful and deliberate negligence which resulted in inexcusable extra expenses on my part to correct the problem.
I have applied for Amex delta blue card and the offer was - spend XXXX $ in first 3 months and get XXXX miles. I fulfilled the conditions but did not get XXXX so I contacted Amex directly and customer care associate told me that he submitted the ticked ( screen shot attached ). Then I checked again with customer service and they told me that they are still processing my case ( screen shot attached ). Then I texted again and customer care associate has told me that I will not get points due to offer terms, which were obviously changed recently, because previous customer care associates have not mentioned a word before.
I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. Equifax and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both Equifax and XXXX and XXXX came back with XXXX credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.
Fox Collections has refused to provide enough information for me to certify this debt belongs to me. I requested Validation of this debt ( Acct # XXXX XXXX ) and my letter was received by Fox on XXXX XXXX 2015 by certified mail. Fox sent me a letter stating that they had verified my name and address ... nothing else sent. I have attempted to contact the original creditor on file, but they are now out of business and the new company is not servicing their old debt, nor has any record of it. 
Validation request was dated XXXX XXXX 2015 and Fox received it on XXXX XXXX 2015 ( see validation letter attachment ). Fox 's response was received XXXX XXXX and contained no detailed invoice and simply stated my name and the amount owed ( see attached evidence ). After speaking with the representative on the phone I was informed to sign and send in the authorization form at the bottom of the letter they sent. I did so on XXXX XXXX and still have received nothing in the mail. While speaking with the representative I located what I thought might be an EOB relating to the debt in question. The Fox representative and I both agreed that it was not and this EOB did not relate at all to the debt in question. I sent in a second validation letter dated XXXX XXXX 2015, received by Fox on XXXX XXXX 2015 at XXXX ( see attached USPS return receipt and XXXX validation letter attachment ). I have yet to receive a response to this letter. After reviewing Fox 's response and evidence to my XXXX complaint I can only concur that I was correct in my initial evaluation of this alleged debt not being mine because they can not provide me with further details from the actual company. The attached evidence that Fox provided on the XXXX website is from there own files and not the alleged original creditors ' database.
This debt has been removed from my credit report several times and  XXXX  keeps reinserting them. Sometimes within hours of finding they had been removed. Other times  XXXX  has " sold off '' the account to a subsidiary and reinserted the debt as if it were new!