WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed some charges that my General Contractor ( for a home remodel ) charged for labor and materials that he didn't buy/complete. Chase/Visa resolved 4 of the 5 charges ( in my favor -- the contractor didn't even respond or try to appeal since it was a clear-cut case ). The 5th and final charge wasn't resolved in my favor only because of a timing issue that Chase had with VIsa. My contractor charged this amount in question on XX/XX/2018. I filed the dispute XX/XX/2018 ( after giving the contractor many chances to buy the materials and complete the job I had paid for ). Visa gives 118 days to file a dispute from the date of the transaction. This was only 109 days ( within the time frame ). Chase 's dispute team took too long to file it to Visa ( once it was already after the 118 days ) and that is the one and only reason that the Contractor will end up with my money that is essentially stolen. This con-man will " win '' only because Chase didn't file it in time to Visa. I am an extremely loyal Chase customer and it took 5 calls to finally get a supervisor to finally get on the phone only to tell me that it didn't go through only because of timing.
On XX/XX/18 I accessed my Amex Account online to use thier membership rewards points ( their rewards program ). When I went to use them I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I had no idea what this actrually meant beyond I couldnt complete it online, so I called Amex on the phone to figure it out. The lady on the phone said she could complete the transaction ( trasnferring MR to XXXX XXXX   ), but when she tried, she got the same message. I then had to call a different department to find out what this actually means and the other department and no one on the phone was able to assist me. They said it a freeze of MY points, it was something at the corporate level and they were reviewing my account and there was a PO box that I coudl write to. No one could tell me why, what caused this, how it could be resolved, other than writing a letter to a PO box . that is not acceptable. I have paid my Amex bills, on time, in full, for years.
My wife and I cancelled XXXX because they changed our rates without warning when we had a set amount we were paying and tried to bill us for a coaxial product. We moved from XXXX XXXX XXXX in XXXX, Montana to XXXX XXXX XXXX XXXX, XXXX, Montana. We had used there free move program in the past and everything went smooth but this time they tried to charge us for coax that we already had at old house and could have taken or we could have but they never mentioned it and that I also had plenty of new to use. We were not under any contract. I spoke to XXXX before they turned this over to collections and i was told this was closed. We ended up turning our service off prior to coming to a resolution with XXXX and we now use XXXX. XXXX tried to say we signed a new contract upon installation at our new home but I told them that was not true and they said they were documenting this. At a, later date I contacted them about this and they said we signed something on the installers electronic device. I explained that I was not even home. We assumed the tech must have just marked it himself. I asked XXXX why the tech would have even had something for us to sign since we were already customers, the agent said he was not sure and would need to look into the status of our account. 
my wife and I thought that it sounded kinda shady that they would even be trying to get us to sign anything like this since we were just moving locations. We are not sure but after that XXXX said to just pay the last bill and our account would be closed but this was after multiple calls and after service had been ended. Later a collection company called AFNI started sending us bill letters about XXXX and we told them about our resolution and about how I paid the last bill with XXXX and that it was closed. They said they would check it out and if there was any problem they would let us know. They never said anything but sometime ago I noticed they had put a negative on my credit report and said in collection which is a lie and I have tried to contact them about fixing it and they never write or call me back and never take the call. They have no evidence of any bill and they know it. AFNI address and phone is : XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .. 
Afni Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX P. XXXX XXXX XXXX XXXX XXXXXXXXXXXX Hours : Monday through Friday XXXX - XXXX CST We do not owe this bill and XXXX has their equipment and the last time I talked with XXXX they said they did not know what I was talking about when I spoke with customer care but that has been a couple of months ago. Thanks
Since XX/XX/2018 I have trying to correct the information on my report. Transunion refuses to correct the information. After several letters and me sending in the necessary documents. Birth certificate, driver license, passport, bank statement, utility bills etc they still have not corrected the inaccurate information.
I 've never attempted to payback my student loan for a for profit school which is not only currently closed but I have both private and federal loans through XXXX XXXX feel I was misplead by the type of living wages were expected after school and the way in ehicvh I was forced to service a loan or ends my school.
I had problems making payments on time and getting correct information about additional repayment plan options. 

Hi, I need help urgently. 

Ive was with Sallie Mae prior to XXXX and Navient since about XXXX. 

Ive worked full-time for a non-profit since XX/XX/XXXX. 

Ive had major difficulties with Navient since my loans were switched to Navient in or around XXXX to XXXX. 

My question : Why did they not immediately advise me to switch to a direct loan and/or Public Service Loan Program back in XXXX? 

Although they have documented over 60 on-time IBR payments on time since XXXX I was originally setup prior for IBR prior to XXXX, however, Navient made several critical processing errors in subsequent years, I believe in order to revoke and extend my IBR plan beyond the 20 to 25 years as required in order to apply for forgiveness. 

Even after many phone calls explaining to them that I had submitted my IBR request in XXXX of the prior year, when renewal was scheduled for XXXX the following year, they not only did not process my paperwork on time, which caused in accurate bank transfer collection but also caused inaccurate reporting of on time payments. 

These one-time charged were in amounts of over {$500.00} and over {$1600.00}. They didnt even send me an email prior to sending the payment requests? 


Their incompetence and I believe fraudulent activity, not only caused me be farther behind payments on my IBR program, they also flat out lied to me when I asked them if there was another payment program relating to my employment with a non-profit 501 ( c ) 3. 

They said I did not qualify without even directing me to the proper federal government website in order to confirm what they were saying. They also didnt even consider asking me for my employers non-profit status and/or contact information to verify the status of my employment. 

Im under the assumption that there are recorded phone messages that will corroborate these statements as I had spent many hours on the phone with Navient arguing as to why my annual IBR applications were delayed by over 3-months on several different occasions/years. 

I really need advice on how to proceed and how to find a suitable way to correct these violations to my rights. 

Im also, is in the process of working with Docusign to apply for a Direct consolidation loan in order to qualify for the Public Service Loan Forgiveness Program requiring 120 months of on time payments, however I dont know if hey will advise me on my rights to obtain retroactive IBR payment credits that can be applied to a Direct Public Serice Loan Forgiveness program, as Navient is an official government approved loan servicing provider. 

Navient has documented over 60 on-time payments, however I believe the number should have been much higher, closer to between 90 & 100 payments. 


Sincerely, XXXX XXXX XXXX of XXXX XXXX
XXXX XXXX responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what XXXX is. I asked XXXX XXXX to send any documents pertaining my signature because I wanted to see. 1.  First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't  verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that XXXX is discriminating me by forcing the account on me. 5.  Someone used my social security number to open up this account. 5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against XXXX XXXX for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, Experian must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.
I filed bankruptcy in XXXX 2011 and my XXXX XXXX XXXX XXXX was included. I did not reaffriem with XXXX XXXX XXXX, but i have been making on time payment since inception of the loan, which has not been reported to CRA.
XXXX and Experian are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.
Good Afternoon, I am in foreclosure in Massachusetts. 
I lost my job in XX/XX/XXXX, and fell behind on XXXX payments. I believe I was up to date in XX/XX/XXXX, but Nationstar mortgage did n't cash my mortgage payments for XXXX, XXXX and XX/XX/XXXX, then they put me into foreclosure. They sent me back XXXX of mymortgage payments not cashed, XXXX, XXXX and XX/XX/XXXX? I have been speaking with a representative from Nationstar about a modification for over a month now and now he wo n't answer his phone or return my calls? This is beyond frustrating. I am not sending them any money. 
They send someone to my house to put a note on the door telling me to call Nation Star, which they add to what I owe them, and they send this person a couple of times a week, and expect me to pay some ridiculous high fee. 
Is n't there some law were mortgage servicers are suppose to attempt to help a home owner stay in there home? 
Nation Star services mortgage for low income people and finds every possible loop hole to charge us exorbitant fee 's and interest rates. 
Nationstar is a servicer of mortgage payments, meaning they only handle the billing of mortgages, they do not provide loans for people to get mortgages. Nationstar is putting people into foreclosure because they do not get paid until the loan is paid off, so if they put consumers into foreclosure and the property is sold and they get paid in full once they have the properties title. I have contacted the Attorney Generals office in Massachusetts and they have been of no assistance. Thousands of peoples homes have been put into foreclosure and no one is coming to the aid of the American consumers. 

Any help or guidance would be GREATLY appreciated, XXXX XXXX XXXX XXXX, Ma XXXX
I have sent XXXX letters ( attached ) to the Bureaus Inc. asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor - XXXX XXXX - bearing my signature. I have never received that. They sent a doc showing that they bought a bundle of debt from XXXX XXXX, and they claim XXXX XXXX is the original creditor but that is a lie. XXXX XXXX is the original creditor. Where is the original contract with my signature from XXXX XXXX saying I ever agreed to pay an assigned debt collector? They obviously do n't have it so they are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX XXXX is the original creditor, let 's see a contract with my name on it from XXXX XXXX. It does n't exist because XXXX XXXX is not the original creditor. This is not about whether or not I ever had a XXXX XXXX credit card. This is about whether or not I owe the Bureaus Inc. any money, and they have shown me no proof that I owe them one dime. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, the Bureaus is breaking the law by negatively reporting me to the Credit Bureaus. This is my last and final attempt to allow them to remove this item PERMANENTLY from all XXXX credit bureaus before I file a claim in small claims court in XXXX XXXX where I live, for $ XXXX. They will have to fly out from Illinois to deal with this and incur great costs and they will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!
Let me preface this by saying I have paid every bill timely, never once being late, and have spent quite a lot of money with this company. My payment was due XX/XX/2019 and I sent my check XX/XX/2019. The company did not process my payment until XX/XX/2019, which was a Sunday. Effectively, they charged me a late fee of {$27.00} and then a {$6.00} interest fee on top of that, for a total of {$33.00}. I am apalled that they waited so long to process my check, and then to add insult to injury not only charge me a late fee, but interest on that late fee. As I said, I have made every payment on time since the history of my having that card, and now they are endangering my credit for their lax practice is in processing payment. I spoke with a representative XX/XX/2019 regarding the same and he could not help me at all. I canceled the card.
I have my Federal student loans serviced by Navient, whom I believe misguided me into a repayment plan that is very favorable to their bottom line, and not my achievement of paying off the loan. They are receiving massive chunks of my payments in the form of interest with my total balance owing barely chipping away. Their representatives have not offered any alternative solutions to help benefit both parties.
I was banking with Bank of America when I lost my card and somebody else used it, I tried to open a checking account with XXXX XXXX and I was denied because of a fraud report. When I lost my card days later I got I knew one then I informed Bank of America what happened and I was told I made a claim and I will not have to pay anything. Now I need a checking account for direct deposit and I cant open any accounts. A check was deposited in my account for XXXX dollars but it wasnt accepted, then another for XXXX dollars Im 2017 and I was told nobody got any money.
THIS LATE ON MY XXXX XXXX XXXX ACCOUNT IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALREADY SPOKEN TO THE CREDITOR AND THEY HAVE PROVIDED THEIR END LETTER OF AGREEMENT, BUT EXPERIAN DOES NOT REMOVE THIS INACCURACY FROM MY CREDIT REPORT. 
XXXX AND XXXX HAVE ALREADY REMOVE THE NEGATIVE MARK EXCEPT EXPERIAN, NO MATTER HOW MANY TIMES I HAVE SUBMITTED THE REQUEST THEY JUST DONT. 
PLEASE HELP ME TO REMOVE THIS MARK, CAUSE I NEED TO APPLY FOR STUDENT LOAN FOR MY SON. 
THANK YOU
Collection account with  Portfolio Recovery. I have made contact by telephone and email to dispute this d ebt since  XXXX   XXXX ,  XXXX . I have continued to receive collection notices but never verification of this debt. I have requested verification of the debt in regards to the amount listed as owed since  XXXX   XXXX ,  XXXX . I was recently mailed a statement  XXXX  of  XXXX , with no additional information in regards to this debt.
This account was opened without my permission and several fraudulent charges were applied to the card. I disputed with XXXX XXXX and opened an investigation the account was CLOSED by XXXX XXXX This account was opened XX/XX/2017 account balance {$1000.00}
After bankruptcy, i tried to rebuild my credit. I applied to a wellsfargo creditcard and was told no a couple of times and i was told i was denied because of the bankruptcy. I was told i could open a secured card to rebuild my credit with a deposit. I opened it with XXXX then i was told i need to open a checking account with XXXX and a saving because wells fargo does not lend to non customers. I need to build my credit so i agreed. After a few years in fees in the checking, savings and credit card. I decided to park XXXX in the saving to avoid fees yet i was still charged and when i called to complain they told me i need to keep a minimum of 300 a month this went on for 3 month were i did not touch XXXX from the account and was still charged monthly fees, so i pulled the money because they would charge me the monthly fee regardless. After a while wellsfargo returned my security deposit and increased my balence of credit. I fell in hard times and used it. After a while i tried to renegotiate my rate and was told no multiple times. So i said i would close the checking and savings. I was reminded by the bank that they only extend credit card to bank customers and if i was not a customer my balance was due. I did not have the cash so i just left the account open. I dont even use the checking and savings with them, i have a main account with chase were i pay my bill and everyday expenses.
I did sign for a PLUS loan for my sons tuition. The PLUS loan was pushed by the schools representative. After I signed the original loan document, my son somehow got XXXX more loans under this same loan agreement ; in addition to XXXX other private loans which are being dealt with separately. After graduation, my son dealt with NAVIENT, XXXX XXXX, XXXX XXXX, or whatever name they go under at the time. NAVIENT allowed my son to do a loan consolidation, and XXXX loan rehabilitations, all without my consent or knowledge. 
Of course all of these added to the balance of the loan. Finally ; after NAVIENT lost track of where my son was living, they started contacting me about paying the loan. By now ; with all of the transactions that they made with my son, they had the balance to over $ XXXX-dollars. I contacted their offices several times attempting to get some explanation of the charges that they were billing me for. I have XXXX sons that have student loans and I had no idea of what loan this was or even who the loan belonged to. It took several months, and a statement from me calling this a fraudulent collection attempt, for them to supply me with a signed loan document so that I could identify what loan they were referencing. After I was supplied with the signed loan document, I continued to contact the NAVIENT offices to get further clarification on the additional charges, including the additional loans, loan consolidation, and loan rehabilitations, as I had not authorized any of these. I received very little cooperation from NAVIENT. The most that they would do is repeatedly send me typed documents with the charges listed. Finally ; after threats of wage garnishments, I had entered into an agreement to make monthly payments to NAVIENT to avoid the wage garnishment. But ; before the agreement reached whatever office for final approval, NAVIENT proceeded with a wage garnishment through their collection agency, GENERAL REVENUE CORPORATION. I admit to owing the original loan, and I continue to propose reasonable repayment offers ; But I receive zero cooperation from NAVIENT or GENERAL REVENUE CORPORATION. The only reply from NAVIENT is that they refuse to negotiate loan settlements. I feel that NAVIENT fraudulently negotiated additional loans, consolidations, and rehabilitations with my son without my consent, driving up the balance on the loan, and now they are refusing to accept any liability for their actions, and refusing to negotiate a reasonable repayment arrangement. I am attempting to come to a reasonable resolution on this matter before I retire from my job ; But NAVIENT and GENERAL REVENUE CORPORATION seems to be more interested in dragging out wage garnishments for years on end rather than negotiating reasonable repayment settlements. I feel that the Federal Government should step in to recover the Federal Student Aid funds.
I paid the debt they ( Convergent Outsourcing ) tried to collect directly to the original creditor ( XXXX ) after not getting any response back from this collection agency in a timely matter. This company never owned this debt outright but still reported on my credit reports without notifying me of the debt. The company began reporting during the same time that another collection agency was trying to collect on the same debt. According to my reports, the company opened their account in XX/XX/2016, however, another collection agency still had the debt at the time. The other agency did not stop reporting until XX/XX/2016 at which point Convergent had already started reporting that same debt. I got Convergent 's address through my credit report and I sent letters to Convergent trying to resolve the issue with them even though they never called or sent out notice of the debt. I did research on Convergent and read horror stories about how they buy old debts to try to collect on them, harassment, deceitful tactics, etc. and based off of SEVERAL consumer reviews and no prior notice from or knowledge of this company, my safest bet was to pay the original creditor directly which is what I did.
I went to the best school i could get into, which was admittedly not cheap. While applying for student aid, I was redirected from the XXXX website to SallieMae. I took out almost {$79000.00} in loans, thinking that they were federal and thus eligible for income-based repayment. I was misled by SallieMae, who told me that I would have these options, even though they are not available for my loan type. I 'm now at a point where just over half of my monthly take-home pay is going to student loans, even though I was lucky and was able to get a good job that pays decently well. I 've been told multiple times that I have no other option to lower my payments through SallieMae, and am at risk of default because I ca n't lower my payment. If any unexpected expense pops up in my life, I will have no choice but to default.