WillisBack/dataset-financial-user-claim huggingface dataset:
I have defaulted on my student loans. I have made several attempts in the past 11 years or since XX/XX/XXXX ; to file for forbearance, to make payments and to use the income based repayment plan offered. Each time I took the time to contact the lender ( XXXX later Navient ) there always seemed to be an issue with paper work submitted and needing to update the next month. I made several attempts with payment arrangements over the phone to get payments to an affordable income based amount only to be told I had to resubmit and reapply for income based arrangements within days or weeks of submitting paper work. The entire process has cost me much time and even greater money, because despite my attempts at income based arrangements in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my original loan of XXXX has now grown to XXXX and is closed but Navient continues to call me XXXX times per day. The gentleman named XXXX assigned to my case has contacted my supervisor and most recently on XX/XX/XXXX the secretaries and receptionist at work asked me how they can get this guy XXXX from Navient to stop harassing them " every half hour, all day every day ''. I have not contacted the lender or debt collector for the past 18 months or so because I feel it has not helped in the past with false claims on options offered ie making arrangements to pay {$54.00} per month, and then two months later needing to go through the entire lengthily process again. I have worked at a non profit public service job for the past 11 years and have not had a raise in 8 years. I make {$XX/XX/XXXX} an hour working a 40 hour week with no changes in my income. I am XXXX years old and have had good to excellent credit throughout my adult life until Navient came into my life. I am hoping you can assist with getting Navient to stop calling my Employer 's main number and my supervisor ; I have not given nor have I ever given them permission to do so. I have however, given them my work cell and my personal cell numbers to call with concerns and issues. Please assist any way you can. This is not only troubling to me but to my co workers who HAVE to answer their constant calls because that is their job. Thank you for your assistance in this most troubling matter. I would be happy to be able to pay them {$54.00} a month the amount they have negotiated with me on several occasions to alleviate this problem. I can not afford the $ 250-300 they continue to seem to want despite offering me options. Ideally it would be a relief to be able to get my credit score back to the XXXX range but I can not see a way out with this navient " monkey on my back, '' Thank you for your concern, XXXX XXXX
XXXX XXXX XXXX sent a notice back in XX/XX/XXXX in which i called as soon as I got the bill. It was an old bill from XXXX XXXX. I was willing to settle the debt since it had hit collection however the amount on the bill was not the amount I was told my last bill was going to be. After speaking to the representative, I was told if I paid the amount I could today and then call XXXX XXXX to try to get them to lower the bill, they should be able to take the payment I had just made. Unfortunately, that did n't work. After making half the amount owed, this collection company still sent me to collections due to lack of payment. I told them I wanted to settle and I know how agencies work. I have this call recorded, just like they should. I would like for this to be removed from all 3 credit bureaus. I have kept my report clean, and have been working to keep it that way, but his is ridiculous. Dates range from XX/XX/XXXX until XX/XX/XXXX
I am on the line with J.P. Morgan Clearing Corp. located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( ph # XXXX ). I have asked them for information related to when my loan entered the XXXX XXXX XXXX Trust and if they are able to locate my loan in the specific pool that XXXX XXXX claims it is in ( pool # XXXX ). In XX/XX/XXXX XXXX XXXX executed an assignment naming EMC Mortgage Corp. as beneficiary. However, EMC Mortgage Corp. claimed they never had interest and never were a beneficiary. Now XXXX XXXX claims that XXXX XXXX is the beneficiary for the XXXX XXXX XXXX Trust. Under XXXX XXXX XXXX Trustee for a trust can not be a beneficiary. After EMCs and XXXX XXXX admittance in court that they were never the beneficiary, XXXX XXXX did another assignment for EMC Mortgage Corp as their attorney in fact, making an assignment to XXXX XXXX as Beneficiary for the XXXX XXXX XXXX Trust. ( EMC Mortgage Corp. has been non existent for years before this new assignment made by XXXX XXXX as attorney in fact for EMC ). I have been given anything and everything but the truth and the entities I am dealing with only know how to re-create and/or fabricate documents to make their story appear legitimate. Through their deceptive doings, I have been railroaded in all directions in dealing with the true party of interest and going to face to face meetings under the foreclosure statutes in my state. Monies I paid into the court registry faithfully were returned to me due to false entities appearing as the beneficiary. I have paid approx. $ 200K direct to XXXX XXXX since XX/XX/XXXX. The majority of those funds paid were after my Chapter XXXX BK in XX/XX/XXXX where I was no longer a legal obligor, as the loan was never re-affirmed. In good faith I paid approx. $ 150K direct to XXXX XXXX after my BK discharge. I want to know what XXXX XXXX did with those payments as they claim they sold the loan on the secondary market in XX/XX/XXXX. I have never had any other statements or notifications from any other entity but XXXX XXXX. My call is coming to an end. XXXX took my call and put me on hold and talked to the higher ups he said and they are not able to find my loan anywhere tied to the trust. That is the answer I just received! Why is this so difficult? Is it because the note and DOT are no longer the security instruments and they have been converted to pass thru certificates earning money on the inside and then the note and mortgage remain on the outside? Something once again just does not add up. It never has. Thank you.
Wells Fargo keeps calling me from blocked numbers even though I told them to stop calling me. 3 times in under 10 minutes. I havent had an account with them for over 8 months with no previous contact from them. 

3x yesterday 6x yesterday XX/XX/XXXX XX/XX/XXXX
Went online to try to make a purchase for airline tickets XX/XX/XXXX, I was re-directed to another site. Once I noticed the site was not the correct website I backed out of the transaction. I immediately contacted Citibank and asked them if there was a hold on a transaction. The Customer Service representative advised me it was and no name or phone number was attached to the pending charge. I explained I was re-directed to a site that did not appear to be safe. The Customer Service Representative from Citibank advised me not to worry and the charge will not process to my account and another card will be issued and to a note will be attached advising of my issue. I called Citicard again to confirm and to see when the new card would be issued which was on XX/XX/XXXX and was advised my card was on the way. I made a purchase with the card with another merchant who immediately provided my confirmation of my purchase. On XX/XX/XXXX I received a letter from citicard with forms attached in regards to the merchant What 's Cheap. I signed the paperwork and mailed it back. I received another letter from Citicard on XX/XX/XXXXadvising me my dispute was overturned. I asked for a copy of the confirmation email from the merchant and proof of purchase, I called citicard on XX/XX/XXXX and was advised I can fax a letter to XXXX per XXXX ( see attached ) I called again on XX/XX/XXXX and was advised my fax was received per XXXX. I called again on XX/XX/XXXX I called per XXXX I need to write to the office of the President at XXXX XXXX XXXX XXXX ID XXXX escalated to a Supervisor XXXX and was told the Office of the President did not have a fax and to mail in the complaint. I have been getting the run around and I have fraud protection on my account. I can not contact the merchant since no phone # exists on the site you can only email. I have copies of other people complaints with the same merchant arguing this is a fraud company. I can not get this resolved with Citibank. Please assist. What 's cheap would not be a site I would ever make a purchase with and did not authorize this charge to my account. I did not authorize this charge to my account this is a fraudulent merchant and charge.
I enrolled in water delivery services through sparkellets beginning if this year after few months of having issues with wrong or missing deliveries and over charges I called to cancel the service also the machine not working properly I called in may to cancel and they said they will pick the machine ..my appatmement building had major construction so I had to be relocated to a dif apartment temporarily and I told them that they never picked up the machine unbenonce to me they sent the account to collection bureau of America and they want me to pay the machine and service I never received and asked to be discontinued I called sparkellets again they said its nit in their hand again ..and also I scheduled two additional pick up dates and they failed to pick up one was in XX/XX/XXXX and the other one in XXXX..its not fair that I had to deal with the consequences of incompetence and horrible customer service.. and now the collection agency is trying to force me to pay for something I never received and I opted out of. 


PS : the page is not letting me enter my last 4 digits of my social it's not working so I listed it under acct number which I dont have ( XXXX )
I obtained a copy of my credit report from  XXXX  and found negative accounts that should have been removed from my report permanently within  XXXX  days upon completion of the student loan rehabilitation program. I successfully completed the program in  XXXX  of  XXXX . I spoke with multiple associates from Navient on multiple dates receiving misinformation that I would be mailed a letter from them stating that Navient no longer carries my student loan debt, as my debt was transferred over   XXXX    years ago, and that they would write the credit department and have the negative accounts removed from my credit report. I was even told that the debt removal would be reflected on my credit report by the beginning of  XXXX ,  XXXX  at the very latest, and after the  XXXX  phone call, that I would be getting an e-mail of this to fast-track the process. The U.S.  Dept. of Education su ccessfully removed the negative accounts on their end. After a duratio n of over  XXXX   months of repeatedly calling and receiving this same information, this never happened. Upon finally speaking with a supervisor, I was told that  Navient would not remove my negative credit remarks at all and that I should have wrote a letter to Navient    XXXX   months ago to dispute this. None of this information was given by their employees by t he   XXXX   previous len gthly phone calls. According to sect ion 674.39 of the CFR, Navient must re move all of my negative accounts since I completed the rehabilitation program and it has been way passed   XXXX    days since completion. My  XXXX  phone call with one of Navient 's associates was back in  XXXX  of  XXXX , though this is the  XXXX  phone call I did not write down the name and employee ID for. All other dates, names, and employee ID 's of my phone calls are as follows :  - XX/XX/XXXX ,   XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX  ,  XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX ,   XXXX    XXXX  I am requesting that these items be removed from my credit report.
i have opened credit line with BOA since XXXX/XXXX/15 ... i told them my only income is SS. i requested to have the payment pulled on the XXXX of sach month when i receivsd the benefits. today i studied the statement and found out i have been paying late a d thou charged XXXX dollars each time. 
i found it is unfair. i was not instructed that paYment would be always late. i requested by pho e to have these charges waived. it is not possible i was told. please help me. for i have also been harmed on my credkt report.
Dating from over 5 years back I have been continually providing and disputing the same issue with not only Transunion but with XXXX  as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because Transunion and XXXX  both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough
I get an upwards of 8 to 10 phone calls every day from them, they will not work with me and they call every hour if not multiple times in the hour.
While trying to refinance my mortgage I was told I had a freeze on my credit reports. I called Equifax and after about an hour had it lifted. I called XXXX and after about an hour I had it lifted. I called XXXX and was told to go on line. First, I never requested a credit freeze and second they make it impossible to get help in a timely manner. 

I would like to get this freeze lifted so I can go about the business of refinancing my mortgage. Can you help me??? 

If they have so much power over consumers we should have the ability to fix problems quickly and without crawling through hoops.
I am having a problem with TransUnion , LLC providing me verifiable proof of an original consumer contract with my signature on it, from XXXX XXXX XXXX XXXX that is listed on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through original signature. Under the FCRA, unverified accounts must be removed. I have mailed XXXX letters to TransUnion requesting copies of my signature to no avail. I need help with this request please.
I am writing bc I graduated in XX/XX/2005 with combined Federal and Private loans thru XXXX totaling around XXXX XXXX Upon starting payments they wanted me topay around {$1000.00}. a month at which the time I could not afford. We went back and forth and they said there was nothing they could do for me so they kept issuing forebearance. Finally they gave me a plan in which I could afford where they explained it would be interest only payments for so long then it would start going towards the principal. Well I have been making payments at first around XXXX and now they 've been around XXXX $ a month for the past XXXX years but I have been paying consistently since I 've graduated in XX/XX/2005. My grand total is now {$100000.00}. that I owe!! I called to see how I am ever supposed to get my total down if theyre charging me interest upon interest at the back end of the loan. Their answer was start doubling up on your payments. But at this point if theyre charging me interest on the back end no monies are going toward anything. I will be retiring owing more than I graduated in XX/XX/2005 owing. Something does not seem right. Please help.
I have a loan serviced by OCWEN on my Property at : XXXX  XXXX XXXX, XXXX XXXX, PA-XXXX. 

I could not keep up with the payments for various reasons, given in the hardship letter. The Servicer put up my property for Auction/Sale on XXXX of this month. 

I have already submitted a Short Sale Package ( ALL CASH Offer ) through my 3rd Party.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Deville Asst Management this company did not send me a bill or a letter they failed to notify me. The only way i found out about this debt is thru my credit report. And the information they have on XXXX in inaccurate.
I took out a loan ( {$480.00} ) with Fortiva XXXX company for an iphone that was merged with XXXX company. The loan was for 6 months at {$35.00} per month beginning XXXX/XXXX/2015. I made my payment through my online banking system XXXX ( XXXX XXXX XXXX XXXX XXXX, the online banking sends a check ( check # XXXX ) was mailed to Fortiva XXXX in the amount of {$100.00}. The address mailed to was XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Fortiva company cashed the check and it cleared in my bank account on XXXX/XXXX/15. Company sent a text on XXXX XXXX, 2015 saying that my payment was due on XXXX/XXXX/2015. I contacted the company on XXXX/XXXX/2015 and spoke with representative XXXX, and informed him that my payment was sent and check cleared in my bank on XXXX/XXXX/2015. He asked me to fax a copy of the check that cleared in my account. I faxed a copy of cleared check to Fortiva Research department fax # XXXX immediately ( XXXX/XXXX/2015 ). I followed up with a call to make sure they received my fax. They confirmed that fax was received. I followed up a few days later again, and representative told me that it 's still in payment research. Today, XXXX/XXXX/2015, I received a call from the representative saying that they did n't receive payment and it 's past due. I spoke with supervisor XXXX XXXX and he assured me that this issue will be cleared up in a day or two from him personally and he will give me a call back. I 'm filing my complaint now because I read online that someone else had the same issue with Fortiva XXXX and they have ruined their credit. I 'm taking precautionary measures before this is reported on my credit account.
On three recent occasions, JP MORGAN CHASE BANK has been manipulating/ reordering transactions on my checking account.

The first two purchases ( same merchant ) were made on XX/XX/XXXX ( for {$10.00} ) and XX/XX/XXXX ( for {$8.00} ) and posted quickly. However, the transaction disappeared a month later, and now reappeared as posted on XX/XX/XXXX - almost a MONTH later. The third transaction ( second/ different merchant ) occurred when I made a purchase on XX/XX/XXXX ( for {$7.00} ) and posted within two days. However, transaction disappeared as well, and now re-posted on XX/XX/XXXX - WEEKS later. 

I called both merchants to verify when they collect and their funds from the bank and assured me that they do so within days. When I called the bank, they deflected stating that it is unlikely merchants collected so quickly and that they usually/can take up to a month to collect funds from the bank. What?? I informed the agent that by logic, no merchant - especially a small vendor would want to wait that long to collect monies, and I reminded her that I had originally seen these amounts posted to my account and now re-posted under a new transaction date as of XX/XX/XXXX. 

No explanation or resolution was offered other than " we're sorry to hear you were inconvenienced '' was offered.
XXXX XXXX levied my savings of {$400.00}. Bank charged {$120.00} for levy. I called XXXX and paid them {$1600.00} to clear account. They said the levy on my savings account would be credited back to me. It has not been given back
American Express put my name and address on a XXXX/XXXX along with family members which is preventing me from accepting credit cards. I don't owe the company any money and this list of there's is inaccurate and discriminate.
Had my mortgage refinanced through a modification program. Received the new payment amount and schedule and made the first, and all subsequent payments, in full and on time per contract. The company has reported the first 3 payments 120 days to all XXXX credit bureaus. I have filed several disputes with supporting documents and ALL have been denied and this company is unwilling to remove the negative marks from my credit. The payments they are claiming 120 days past due were all paid ON TIME and in the FULL amount owed. Please see all attached paperwork. I am filing in hopes that my credit report will be updated with the correct and TRUE information that I NEVER made a single late payment to this particular mortgage creditor. It is greatly and negatively affecting my credit score with false late payment information.
I am reaching out after experiencing the most frustrating phone call with your Customer Service Representatives. 
In XXXX XXXX, my XXXX financed through Ally Financial was totaled. My personal insurance and GAP insurance covered the expenses leaving a $ 3,300+ balance for me to pay. I call Ally Auto to inquire about the payment terms/dates in late XXXX early XXXX. I was informed I would not have to resume payment until XXXX after my original contract date was up. I was excited as that would afford me the funds to purchase another car, keep my job, and stay current on my student loans. Yay me! I asked for the billing statement for my records. Received in the mail shortly after and moved on with life. 
Fast Forward : In late XXXX I pulled my credit report. I noticed that there were XXXX 30 day late payments on behalf of Ally. I was sure that those were erroneous as I entered into a payment arrangement. I called and after being transferred a few times I reached a very helpful gentleman that recognized the error and put in a request to be overturned. As we ended the call he informed me that my next payment was due XXXX XXXX, XXXX. In complete shock, I asked why and informed him of the situation outlined above. He followed up with another department and told me I would receive a call back and if not to call in XXXX weeks. 
Today, XXXX XXXX, XXXX : I never received a call and took it upon myself to reach out since then I received a new bill in the mail with the XXXX XXXX date. After being transferred a few times I reached XXXX badge no. XXXX. At first I was happy, she was going to help right? Wrong! I explained the issue that I was told in writing that my payment was n't due until XXXX. She explained that there was nothing that she could do except for transfer me to make a payment arrangement for the current due date. I explained that I have since rearranged my life and I do n't have an additional {$500.00} to pay based on information Ally provided. 
After trying to convince me that the payments on the account were still pending until XXXX, I went back to my file and pulled documentation stating that both policies were paid out in XXXX/XXXX XXXX. So why would a reassessment of my account take place in XXXX XXXX? She then told me that it was policy. Ally requested an extension to find out why GAP did not cover the remaining balance. Here is my issue. Ally never informed me. I never received a call, letter, or e-mail stating this, and that the billing date once issued could change as a result of this extension. Also, why would this take an upwards of 5 months to complete? After requesting to speak to a supervisor she told me no one would take my call, but I will receive a call within 2 days telling me that nothing could be done. My question to whomever is reading this is : Can something be done? I want to be responsible, but I would love to be met half way and that the error be acknowledged.