WillisBack/dataset-financial-user-claim huggingface dataset:
For two years I have used auto pay to pay my student loans through Navient ( formally XXXX XXXX ), which are only configurable to the minimum payment. Several months ago I decided I wanted to pay more than the minimum - but am unable to pay a specific amount with auto payments. Thus, I stopped auto pay to schedule the payments manually. 

Over the last several months many of my student loan payments have been " refunded '' or not accepted ( paying via account I am positive has sufficient funds to make payment ). After making or scheduling these payments I have received confirmation numbers, and confirmed scheduling dates. From my perspective these payments were accepted, and credited towards my account. I have recently looked back to see payments not being credited to my account and extensive interest being accumulated. 

I have made payments over the phone that have been accepted over the phone, and then refunded for some reason. No emails, or notifications otherwise have alerted me that my payments were refunded. I have received notifications that my account has " needed attention. '' But no " payment cancellation '' alerts as I have had in the past with card errors, or other technical issues. 

Upon reading a recent article about similar practices happening with XXXX XXXX funded student loans I saw an eerily similar series of events taking place and I want to alert other people of these practices. It is intolerable that making financially smart planning decisions is not possible via Navient 's user interface, or even their customer service. I feel it is my right as a consumer to be able to automate my payments to any amount I desire. Further, it is also my right to pay with any means I see fit, however I am unable to use anything but a debit card, or bank account and routing number. There are pages upon pages of public forums from Navient users illustrating the frustrations with attempting to pay, and being unable. These practices further worsen the student loan debt problem that follows people in my generation.
I received from the city of XXXX a tax statement to be refunded money for school taxes in the amount of {$330.00} and {$570.00} for the tax year of XXXX and XXXX. I have been calling XXXX to get a receipt sent to me stating my taxes were paid for XXXX and XXXX and they refuse to send the information to me. I would like my money returned to me and I keep getting the run around about my request about the tax receipt.
I respectfully request full investigation and based on the information I have provided I request the SOUTHWEST CREDIT SYSTEM be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. SOUTHWEST CREDIT SYSTEM needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
I got hurt at work and took a 60 % pay cut. I had a 9 % loan on the house that I could not afford the 9 % after I took the pay cut. I applied for a modification and US Bank said that I qualified for it so in the process of going through multiple surgeries I had to hire a third party to help with the modification which US Bank would NOT coroporate with would n't acknowledge than after months of going back and forth with them they finally gave us a point person to work with. The point person said that they were going to include the back and future property taxes and had told me to hold off on paying till the modification went through or approved. Basically, I got strung along without getting a straight answer for about 3 years. Then they refused to take my payment for 8 months. Finally the modification was approved only for 54 months and it did not include the back taxes like they said it was going to be only future with the loan. Because of this the XXXX I owed in back taxes ended up being XXXX ( due to the 80 % charge penalty from city ) US Bank did not include them in the loan. Now they paid the back taxes and want {$5500.00} plus the loan payment of {$1500.00} which I signed an agreement of XXXX to pay with the taxed included. I went to them for a modification to afford the house. At that price I do n't who can pay {$8000.00} a month for a mortgage. It 's not like I said I could not pay them it was the 9 % and paying the taxes on my own that I could not afford. It seems odd that I am paying {$1500.00} a month for a {$45000.00} loan for 4 years. Than I received another letter stating my new payment was {$2300.00} for 54 months. I still can not afford that. I just need the loan for 10 to 15 years so that I can afford the payment and stay in my house.
In  XXXX    XXXX   I reviewed my credit report and notice an account that was not accurate to me. I mailed a validation letter on  XXXX   XXXX ,   XXXX   requesting the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent.   To date I have not received a response from  Phoenix Recovery Group  regarding the account they claim I owe them. I notice that the amount owed to  Phoenix Recovery Group  from  XXXX  to  XXXX  has changed significantly. I am requesting that they send me information regarding the account or remove it from my credit report.
I purchased a mattress at Macy 's in XXXX XXXX, CA on XXXX XXXX, 2016. The mattress was too firm and we called the salesman on XXXX XXXX, 2016 and requested an exchange to a less firm mattress. The salesman, XXXX XXXX XXXX, told us the cost to exchange was {$220.00} and charged our account over the phone. When we received the bill in the mail today, XXXX XXXX, 2016, the charge was well over {$400.00}. We agreed to the price difference of {$220.00} verbally and the charge was for a far greater amount. We have been mislead and deceived.
XXXX/XXXX/16, I attempted to make a deposit of XXXX checks at the ATM at Chase bank in XXXX XXXX, California. It ate the XXXX XXXX checks for a total of {$1700.00} and returned the other XXXX checks back to me w/o any verification of the XXXX checks it did not return. When i got home i called them and after about 30 minutes of repetively being put on hold i was told they found the XXXX checks and that they would be credited to my account and it would show in a couple of hours. XXXX/XXXX/16, i still do not show the deposit that Chase online said would be posted to my account. When i called them today they have again put me on hold for over 30 minutes and if i ask for a supervisor they usually put me on hold and never come back. I 've had that happen 3 times today. The XXXX line person refuses to identify themselves by name or ID badge so i ca n't even hold them accountable for never coming back to the phone. I am now out {$1700.00} with only a promise that it wlll be posted to my account. The first promise is now broken. It 's very difficult to pay my bills when they 've " stolen '' my money and i 've done nothing wrong other than make an ATM deposit. Their customer service simply stinks. I spend all my time answering their ID questions and no time getting answers to what happened to my money and when i will get it credited to my account. Guess this is what you get when you bank at a " too big to fail bank ''.
XXXX XXXX, of Prime Lending Mortgage, was a lender I was speaking with about possibly buying a home in XXXX, 2015. She disclosed to a real estate broker who I fired that I was buying a home - permission I did not give her - this real estate broker was her friend and her name is XXXX XXXX -and XXXX XXXX threatened to sue me if I used another broker even though she violated our real estate contract. XXXX XXXX violated confidentiality. Both XXXX XXXX and XXXX admit in email they exchanged private ifno about me. XXXX XXXX XXXX, XXXX.
XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files
I am XXXX XXXX at XXXX Texas XXXX. 
I financed my house on XX/XX/XXXX. I had no issues with my loanwhen it was being serviced by XXXX from XXXX to XXXX. I hadelected to defer my taxes, which is allowed in Texas for over XXXXhomeowners. To prepare for the deferment I had put down XXXX percent. 
The loan was subsequently transferred to XXXX XXXX for one year. 
In XXXX they transferred the servicing to Seterus. Suddenly, I was informed that I owed a deficiency of {$26000.00}, the amount thatI had deferred over the years, which they later adjusted to {$34000.00}. 
The new payment would be {$5200.00} per month. This is wrong, I didwhat I was supposed to do regarding the initial structure of my loanand deferred taxes. This has affected my overall credit score and theyhave stated that I am late. My mortgage broker is trying to help mewith the documentation. I think that this is illegal on the part of Seterus to demand that I suddenly require that I pay all of my legally deferred taxes. I cannotafford the payment that they are asking for and now because of thisdilemma I can not refinance out of their loan, I need help as soon aspossible. They will not speak to me regarding revising their position onthe deferment. They have also stated that I amlate on the XXXX payment, which I made on time. I am fearful ofloosing my house over something that is allowable. I never had problemsbefore this. My Contact information is XXXX.
Cavalry Portfolio Services is reporting two collections accounts that they re-aged to the date they began collecting on them. These accounts are 7 years past their initial date of delinquency, however Cavalry has re-aged them to have an open date and a new account number so they appear as newer bad debt.
I was contacted at my place of employment after telling this company not to contact me at all. Also I have disputed the validity of this debt a few times only to be told that it was on me to prove that it was n't valid. there has been no proof or validity provided to me. There was a time when this company would leave messages on my place of employments answering machine well before XXXX and after XXXX. Also I was called on my cell phone by a automatic robot saying there would be legal action taken If I did not call a certain number which turned out to be their number. This company and their parent company has been sues by the CFPB for illegal collection practices. There debt collection practices are illegal and violate my rights as a consumer.
The company XXXX XXXX XXXX XXXX mailed me a medical collection bill on XXXX XXXX behalf for the amount of {$220.00} on XX/XX/XXXX. on XX/XX/XXXX I called CCS and successfully completed the payment for above referenced amount in full. 
I expected to get a receipt of some sort reflecting the debt was paid in full and how much had been paid for insurance purposes but after a couple of weeks I never received anything, to this date, I have spent countless hours between CCS and XXXX, called CCS in more then 6 different times and spoken with supervisors as well, asking for a receipt, they kept referring me back to the website, however after attempting the website early on the request for a receipt, the website will NOT reflect the amount that was paid at all, it will only reflect I do n't owe CCS anything which is not what my insurance needs, a receipt with amounts paid. What is more concerning, is the fact that XXXX XXXX can not find ANY credits on my name from a collections accounts after XX/XX/XXXX, which makes me think CCs is pocketing the money and not reporting appropriately. 
To make matters worse, this medical debt was paid with my Flexible spending account, which requires to substantiate with receipts, to this point given the fact this company CCS is not producing documentation showing the amount paid, my FSA card has been suspended until either I repay FSA or produce a valid receipt, and I am not able to pay for my medical expenses for me or my family 's, if I choose to repay FSA, I will be paying for this debt TWICE pretty much. 
In no way I am trying to throw XXXX XXXX under the bus on this complaint, I owed them money and I paid it, or so I was led to believe by CCS. 
Please help.
Ditech is trying force me to buy their homeowners insurance. I have sent them proof of insurance a number of times and they keep sending letters threatening to foreclose if i do n't pay for united insurance
Keep receiving phone calls saying I owe money on a PayDay Loan from XXXX XXXX XXXX. I did not ever take out a PayDay Loan through XXXX XXXX XXXX. This is a scam and they have called me and are now contacting family members. The most recent call I received came from the following number : XXXX. They call with a claim number saying they are trying to contact me and that they are attempting to collect a debt. I XXXX the number above and found that they are calling other people trying to perpetrate the same type of scam. One of the comments from the online search of this number states it is from XXXX XXXX Services. I have received calls like this before and told them I never took out a PayDay Loan and that any debt they speak of is not mine. Now I do n't answer the phone if I do n't recognize the number, but yesterday they called my mother. I do n't know how they got her information. Please tell me how to make them stop. Thank you.
Do not know what this phone call is all about. Some gentleman called and asked for an old last name of mines and stated that he was from XXXX I, immediately, went online and could not find this company. I do not have any outstanding debts. I called back and spoke to an XXXX woman who was being evasive and asked for my social security number-I refused. She stated there was not an issue and that the manager must have deleted my name from the file. Very strange phone call.
They told me it remains and need to discuss with creditor over three times. Now if it is n't deleted here soon, I will take legal action!!!
Investigation took more than 30 days TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.
This Debt went into collection without me having any knowledge of this debt, a bill was sent to address where I did not live, with my name attached to the address, I never received a bill so it went into collection and were put on my credit report. the bill were initiated by my daughter Mother, she put my name on the bill with her address, we have never lived together.
On XX/XX/2016 I received a letter stating that I owed {$3400.00} on account number XXXX for purchase made at XXXX XXXX. I have also received numberous phone calls from an individual at Second Round LP. I attempted to explain to the agent that there must be an error with their records due to the fact that my account was paid in full and in good standing, with a balance of XXXX. I also emailed her a copy of the receipt showing that my pruchase from XXXX XXXX was paid in full. However, I am still continually being harrassed by an agent from Second Round that payment is still outstanding. 

I have asked the agent for clarification on the statement, what items were purchased and for what amount. To date she has not provided any statements showing items that were purchased adding up to the amount they are claiming is owed. Furthermore, the agent has notified me that the account for which I am being harassed is different from the one to which I sent her a copy of receipt showing payment in full. I have also contacted XXXX XXXX and requested copies of all statments reflecting purchasses to my name. XXXX XXXX also informed me over the telephone that they had no record of an account ending in XXXX reflecting any purchase that I had made. It is evident that some error has been made by either XXXX XXXX, or Second Round LP. However, I have not been able to receive any assistance from Second Round in trying to resolve this matter. Both myself and my family are being harassed and threatened that I will contiue to be contacted until they have received payment.
Contacted Transunion on different occasions in regards to credit inquires that I did not authorize. I have tried to not only correct this with Transunion, but also with the initial creditor that request the unauthorized inquiry and was referred back to credit bureau stated the information was obtained from TransUnion. I have no Knowledge of this and when contacted spoke with a representative that was rude and could plainly tell didn't want to assist. Kept reciting the same script over and over and refused to transfer me to a supervisor. This has been very inconvenient and has been a huge unexpected impact on my livelihood and has impacted my credit and credit history. This has also been inconvenient since to prevent situation in these matters I had a initial fraud alert that obviously was in place to prevent matters like this from occurring. 

The Following are Inquiries were unauthorized : XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX  XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 XXXX XXXX  XX/XX/2017 XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17
Cititbank accepted duplicate deposits for a balance payoff. My account balance had a negative balance of over {$6000.00} dollars that I requested back from them. They held on to my money without explanation and repeatedly told me they would return it after 3-5 days ... ..and then another 3-5 days. Now I have to wait once again.
The company is calling multiple times per day. Including back to back. We asked if they could lower the payments or extend the lease and they said lowering the payments was not an option and we could only put a month at the end of the loan. We were honest and told them we wouldnt be able to afford it due to a job loss and they said nothing we can do. 

So as we continue to get behind, we have spoke with them regarding the fact that they have called local businesses looking for us and questioning them. Since we are in a small town this was a bad move on there part. They have also questioned and called my neighbors and employers multiple multiple times. We even told them if they continued that we would consult an attorney. They have continued. We told them to take the car. We are done. Between the excess in phone calls, the inability to work with is, the public embarrassment, and harassment of our neighbors this is crazy. The creditor is ford motor credit
These XXXX accounts were opened without my authorization. Someone used my information to make purchases without my knowledge. I tried to contact the creditor to fix the problem and sent them documentation of the fraudulent accounts. They refuse to delete these from XXXX and this is causing me great amounts of stress. 

XXXX # XXXX XXXX # XXXX
XX/XX/2018 my car was totaled at the time the insurance didn't want to pay. And since the car was in such bad shape when I arrived to the scene of the accident. XXXX County sheriffs had my car towed to their location due to the vehicle being non drive able. 
I called my loaner Capital one to dispute the claim and I was told the remainder of the cars total value which was XXXX was still due on the vehicle. I tried numerous times to decrease the payments due to pleading hardship and the car being totaled damaged. Less than six months later creditors are calling me on behalf of capital one, at this moment I am in a new vehicle and can not afford two car notes. Before i got a newer car I was trying to settle with the actual company, now creditors are calling me every other day, numerous different people, numerous area codes around the world so terrified to answer. I couldn't even get a loan was so close to the point of filing Chapter XXXX bankruptcy just so this unresolved debt wont linger over my head.I just received a letter in the mail about a few weeks ago around XX/XX/2018 saying that the creditor was willing to settle for XXXX. So if the loan has went down from XXXX then take it down another XXXX and i can then make a new compromise then what we discussed before. Due to not trying to really work with me the other times I rarely want to pay anything. I was in good standing with my this loan until this incident happened.
My  Federal Tax Refund w as recently garnished by the Treasury  Off-Set pr ogram for a fraudulent debt. I have n't received any prior warning to my home address of this debt or collection agency. Account  Control Technology ne ver reported this debt to any of the  XXXX  major credit bureaus essentially leaving me uninformed to resolve the issue. I could have acted sooner, before the treasury offset garnishment, however the debt they 're trying to collect was from when I briefly attended a  XXXX  scho ol (   XXXX   College )  several years ago, which I had around {$3000.00} in federal loans for. I stopped attending after a month or so after hearing a previous graduate tell me that her class and the class before hers were not being placed in jobs like the school had promised, falsifying job placements. Years later they closed this schoo l (   XXXX   College ) for  fraud and for falsely stating they would place students in jobs and never doing so, along with other illegal lending practices. I figured the loan would be forgiven since I never saw it appear on my credit report. I saw this was not the case when I found out that they took my tax return which was {$2800.00} to pay this debt for a school that was found fraudulent and closed down. I have read in several articles that these collection agencies are collecting on loans they know are eligible to be forgiven. Can I do anything about this? My loan was put into the offset program which caused a major financial hardship for my family and I. I needed that money for other financial obligations and I also have  XXXX -month-old son. Things have been very difficult for me since I was injured in a car accident last year and I 'm currently being treated and have n't been able to go back to my delivery work.