WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted to make payment arrangements on many times and I was always put on a forebearance which has made repayment very long and costly. I never was offered other suggestions or repayment options. I was a single mother trying to assist my son with college and took out a XXXX XXXX Parent Plus loan the first in XXXX/XXXX/XXXX in the amoutn of {$15000.00} at rate of 3.45. I took a {$9000.00} loan at rate of 8.50 on XXXX/XXXX/XXXX and {$4500.00} at rate of 8.50 on XXXX/XXXX/XXXX. I was grateful each year my son received academic scholarships and I took less.The XXXX XXXX loan was eventually taken over by Navient. The current balance with interest is {$31000.00}. I called them recently when they increased the monthly payment to {$700.00} which I could not afford. Throughout the years I continued to make payments but whenever I called to get assistance or suggestions with payment arrangements I was always put in forebearance. It seems like this loan will never go away. I work full time as an RN and I pay a mortgage payment as well as other household expenses as head of my household/single mother. I feel grateful my credit rating has not been jeopordized in any way due to the outstanding balance on Parent Plus Navient loan. I have called XXXX XXXX currently Navient many times since XXXX always in an attempt for payment arrangements or to discuss the loan. I feel that Navient has steered me a struggling borrower and single mother of XXXX sons toward paying more than I should have on these XXXX Navient Loans. I believe that Navient also obscured information needed to assist me in maintaining and being able to afford lower payments. Navient harmed my credit since I was declined on two attempts to refinance my high mortgage rate in obtaining a lower interest when mortgage rates dropped which would have saved me XXXX of dollars in mortgage interest and given me a more affordable mortgage payment. I feel XXXX a financially vulnerable borrow, single parent of XXXX college aged sons these practices prevented med from securing some or all of the benefits of the plans that were intended to ease the burden of unaffordable student debt. Navient also misreported information to consumer reporting agencies which is the cause of my mortgage refinance to be declined on XXXX separate attempts.
I paid off a debt with XXXX XXXX and my credit report with Equifax has not yet been updated. I am including proof of payment.
purchase a bus ticket online around the first week of XX/XX/2018 at XXXX. The ticket was for a family member who intended to travel to California. However, upon arriving at the bus station. My nephew was informed that in order to receive the ticket He would have to provide Identification which he lacked at the time. He inquired about a refund.However, since I made the purchase he was told the refund would be made to the person that purchase such ticket. In such case, I e-mail XXXX but with no luck. Since they fail to reply i decided to contact the credit card company, the one used to complete the online purchase. I filled a dispute and was temporarily issued a credit on XX/XX/2018, which was charged back to my card on XX/XX/2018.According to citi banks they were advised by XXXX that the purchase ticket was non-refundable.However, when my nephew first inquired about a refund there was no mention of the ticket being non-refundable. Instead he was told It would be credited back to the purchasing party. Furthermore, there was no service rendered nor was there any mention of the ticket being non-refundable. Also consider the fact that price I paid for the ticket was at least 30 % higher compared to other bus ticket to California.
I have been in a XXXX XXXX since XXXX 2015, all of my creditors except one has updated my information on my credit report. Ad Astra Recovery refuses to update the information with XXXX and I have spoken to them several times. I have tried to submit proof to them of my XXXX but they refuse to let me speak to someone who will correct the information. Page 17 of the document I uploaded clearly shows Ad Astra Recovery as a creditor.
A check was stolen from my purse, forged, and cashed for {$500.00} through an account with Bank of America. It was an obvious forgery that never would have passed a visual inspection. I filed an affidavit of forgery and a police report, but my bank ( XXXX South Carolina ) says that Bank of America is liable for the fraudulent check, and Bank of America says that XXXX is liable. Neither will refund my money.
AFNI Collection agency has been calling me everyday XXXX times a day. I am currently paying them a set amount each month through a debt consolidation company. They are calling me after XXXX. They have threatened me by saying, " If you are unable to pay we have your employment/salary information and we may take further legal action ''. I explained that I am only able to pay what I am paying each month no more, no less. They did not start calling me until I started paying off of my debt.
I recently obtained a copy of my credit report showing a collection account with the name of Kenneth Eisen & Associates. The report states it was for a XXXX office. I was under XXXX at the time the account was allegedly opened with the creditor. I was never given any bill, notice, or opportunity to see why any bill was given. I also was covered under my mother XXXX XXXX medical insurance. 
This should not appear on my credit nor am I responsible for anything that they claim is owed.
I received an email from BofA in XX/XX/XXXX that I would start being charged a monthly maintenance fee on my checking account ( ending in XXXX I believe? ). I contacted BofA and inquired about the fee since I have had the same two accounts for over 5 years with no fee. They referenced me to my Terms and Conditions that I signed when I opened the account. I asked for a copy of the terms and conditions they are referencing and they could n't provide XXXX. I asked them to close this account and transfer my balance to my savings account ( XXXX ). The rep at BofA that I spoke to said this account is n't subject to the account maintenance fee so I should keep this XXXX open. This is not my primary account so upon receiving an alert on XX/XX/XXXX that my account was overdrafted, I look to find that a Maintenance fee of {$14.00} was charged and is the fee that put me in a negative balance. This then caused other transactions to be declined causing overdraft fees and Extended overdraft fees. I called BofA in XX/XX/XXXX and the BofA rep said, " no, this account also has monthly maintenance fee 's, check your terms and conditions. '' She apologized for the previous rep statement about no fee 's but could not do anything. I am currently sitting at - {$180.00}, with SEVEN monthly maintenance fee 's being added to my account since my XX/XX/XXXX conversation. 

Please close my account ending in XXXX since I was told this included no monthly maintenance fee 's in XX/XX/XXXX by BofA. Please have the escalation department at BofA listen to the phone conversation for verification. None of the - {$180.00} are charges on my behalf, they are all invalid bank fees that were caused by miscommunication by BofA. Thank you
I applied and was approved for credit ( XXXX ) at Ashley Furniture in XX/XX/XXXX. I cancelled the account due to non-delivery in XX/XX/XXXX. Then this month ( XX/XX/XXXX ) received a letter saying that someone had tried to run my credit at Ashley Furniture on XXXX XXXX from Synchrony Bank. I was nowhere near there that day ( at work at a conference in XXXX WA all day ). 

The only way this was done was someone walked in saying they were me and no one asked them for an ID or was working in cahoots with that person to steal or XXXX of the employees there ran my credit on their own. 

I called and spoke to XXXX, a so-called manager and she was absolutely no help. she acted as if it were nothing, asking me if I called the bank. 

I have an email from another stating that she closed my account in XXXX. 

I was denied a home equity loan because of this and plan on going to the fullest extent of the law with this. I curse the day I ever stepped into that hellhole! They are the worst!!
I was a member of XXXX 's XXXX ( XXXX XXXX XXXX ) and left the gym XX/XX/XXXX. I started receiving calls this year that I owe them a debt of over {$100.00}. I am unsure why I owe this much money on a membership that was {$20.00} a month. 
The credit collections, 'Central Credit Services ' was unable to tell me why. So I called the corporate office of XXXX, but they could n't help me either because the gym I went to ( XXXX on XXXX XXXX XXXX XXXX XXXX in AZ ) was a franchise and it has since closed down. 
So there is nobody in the world apparently that can get me a bill so I can understand why I owe this money. I have told Central Credit Services three times now I wo n't pay wihtout a bill. Each time they call me they offer me a different reduced amount. One time they offered me to pay 50 % and I said I would when they sent me a bill ... .she said she would look into it. 
I never received a bill so when they called again I talked to a guy who said that they can not give me a bill of why I owe what I owe and that is normal and how it always is. In frustration, I told him I would pay the 50 % portion just to resolve the issue but he said he could not offer me that even though I was told last time that was an option. He told me he could only settle at 10 % off. 
Furthermore he told me that he could only settle for less if I paid all at once, otherwise I have to pay 100 %. 
I am not a person who skips on my bills ... I pay my bills and am a responsible person. I, however, find it hard to believe that somebody can collect a debt on me without a written explanation of the charges. 
They have apparently sent me several letters to my correct address, but I have seen none of these. 
I declined to pay today, as I do n't have any wiggle room in my budget this month. I offered to call back another time. He responded that was fine ... .'well then we will just continue to call you '. Although this is n't a violation of any credit laws, it was extremely unprofessional to threaten to keep bugging me. 
I do hope though that debt collecting while refusing to provide a bill is in violation of debt collecting laws.
I have tried feverishly to maintain my current loan. I have tried bankruptcy, loan modifications, and  NACA. I a m at my wits end. My original loan amount was {$130000.00}. Due to late fees, missed payments and the company 's unwillingness to lower my interest rate from  8.25 and a monthly mpi of {$800.00} I can not afford to keep my home. My problem s began in   XXXX   and since then no one I mean no one has been able or willing to give or find an affordable solution.
I sent a payment of {$300.00} ( {$200.00} money order + {$100.00} personal check ) and it was received by the bank and credited to my credit card on XXXX/XXXX/15. I received the monthly statement showing the payment was received on time by Banco Popular de Puerto Rico. Also, it said no payment was needed next month because of good payment history. On XXXX/XXXX/15 the bank sent me a letter explaining the {$300.00} credited to my credit card was an error. The bank is alleging the {$300.00} were for a different account. So, they withdrew my payment and credited the {$300.00} to someone else credit card. The bank ends by saying all this will be reflected on your next month statement. This situation puts my account as no payment received, so the purchases I made ended up over drafting my credit card. The bank keeps calling me alleging that the payment was ''reverted '' when I asked them what that meant they say it had no funds. My check was chased and cleared by the bank and I doubt that a money order from XXXX XXXX had no funds. Even though they keep calling me, no one can explain clearly what happened, instead they keep asking me for a payment that I already made. Plus, in XXXX/XXXX/15 they received another payment I sent for {$100.00} and it was chased and clear by the bank without trouble. My complaint is that someone is going through all this trouble to steal my money, alleged that no minimum payment was received, charging me late fees, and ultimately affecting my credit report by over drafting an account that should be in good standing.
XXXX is saying I was late with a payment in XX/XX/2018 when I was not, my payment was made on time and should reflect in my credit report. Something was wrong with there payment system at that time and the XXXX app was not working properly. 

I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of XXXX for years. Ive always made my payments on time, but unfortunately, something made a mistake in XXXX of 2018. 

I understand how important it is to make timely payments. However, some kind of error or mistake happened. But Im confident this wont happen again. As you can see from my credit history, I have a long record of on-time payments before and since the late payment. I have even paid off my entire balance at one time. 

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on XX/XX/2018. Please consider my track record as proof that I take my financial obligations seriously. 

If you have any questions, or if you would like to speak with me in more detail, please call me at my home or send me an email at XXXX. 

Thank you for your consideration,
Hello, We are writing you all as very frustrated customers of Hyundai Motor Finance ( Also known as 'Hyundai Capital America ' ). On XX/XX/2018 I ( XXXX XXXX ) made several call to your customer service department regarding making a payment on my account. At the time I had a total balance due of {$510.00} which included my monthly payment plus late fees. I spoke to the representative on the phone and she informed me all I had to at least pay my normal monthly payment of {$490.00} and I could pay the late fees with my next month bill. Never was I told that if I did no pay the extra {$18.00} that I would still be considered past due. Well, because I was given inaccurate information I carried a balance into XX/XX/XXXX and it was reported on our credit report as 30 days late. This is very upsetting to us because if we were aware of the consequences of paying {$18.00} short we would've made a full payment at that time. Now, our credit scores have dropped drastically and it could prevent us on purchasing our first home next month. We are writing you all to see if there is anything that can be done and this negative reporting be corrected. We do not think it is fair that we are being punished because of an employee error. 




Thanks XXXX XXXX XXXX XXXX Account Number XXXX
I have had a siding loan that was added as a XXXX mortgage to my house since XXXX. On XXXX XXXX, XXXX, I scheduled a payment online to pay off the balance of the loan, totaling XXXX. Key Bank 's online account access showed they were processing XXXX payments, XXXX for the monthly amount of XXXX and a XXXX for the balance of XXXX. After 3 days of pending status, the only payment now posted is the XXXX. HOWEVER, they have taken BOTH payments from my bank account. When I called to investigate, they told me that they did not have record of the larger payment and the only payment I had scheduled was the smaller XXXX. After I informed me that according to MY bank balance they had an extra XXXX floating around and I wanted it located, I was informed the only way to pay off a loan was thru a wire transfer, which I was NOT advised of when I called in to inquire about an early payoff fee, and so they did not have the money. They have now informed me that I needed to take it up with MY bank and call them back when I was ready to wire transfer the balance, which has now increased due to all of this MESS!!! When I requested to speak to a manager, I was informed that the manager was off today so she could leave a request for a call back. This is TOTALLY unacceptable! How can a bank literally TAKE your money and then tell you it 's up to you to get it back?? They are LITERALLY the most AWFUL bank ever. Their customer service is ATROCIOUS. I told the representative all I wanted to do was NOT do business with them and I ca n't even get out of THAT.
cra violation inaccurate information sent to ftc equifax breach po report sent to all bureaus
Over two years ago I made a loan on a property to a " friend '' from my IRA. The " friend '' stopped paying on the loan and I therefore foreclosed on the property, XXXX XXXX XXXX, XXXX, Ca. XXXX. The XXXX on the loan was taken out by XXXX XXXX and the loan is serviced by Special Loan Servicing phone # XXXX. My escrow co., representative XXXX XXXX sent a Payoff request after the current trust deed with my name on it had been sent twice to Special Loan Services. They refused to release the Payoff statement, and insisted that I needed the permission of the previous owner, the one I foreclosed on because he was over two years in arrears on my loan. This is against the law, according to Cal. Civil Code 2924c ( a ) ( 1 ) and ( c ) and also Cal Civil Code 2904-2905 i.e. When a senior lien against a real property is in foreclosure, the holder of the junior lien has the right to reinstate the senior debt ... etc. which I am certain that your agency is familiar with. Then, after I threatened with the law, they sent the payoff request. However, when I faxed in my insurance co. authorization of the insurance on the property, they said they could not accept it without again the former property owner 's ok. Please straighten these people out_ I paid over {$18000.00} to " catch up '' with the mortgage, which the previous owner stopped paying on over 5 months ago. Special Loan Services refuse to 1. place my name on the mortgage, 2. release any information on the costs to me and 3 allow me access on their website for info. I am the owner now, yet do not have access to information-I have to pay yet they refuse to tell me about the charges. They will not accept my insurance and continue to have the insurance they chose on my loan. Please help me asap. Thank you, XXXX XXXX new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX SLS loan no. XXXX. If you need any specific documents please contact me. XXXX, XXXX XXXX XXXX, XXXX, Ca. XXXX
In XX/XX/2018 I submitted a dispute to XXXX, XXXX and Transunion regarding a credit card that was not mine ( XXXX XXXX Bank ). XXXX XXXX Bank in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX bank any money. This account is showing negative on my credit report.
On XX/XX/2017, my XXXX year old daughter had an accident that needs go to emergency room at XXXX XXXX XXXX in XXXX Washington for immediate care. When we were admitted into the emergency room, I provided all information included insurance card, my identification card to the hospital staff. The hospital billed my insurance and I made payment for remaining balance after the claim resolved. A year later, I received a phone call from XXXX XXXX XXXX, phone number XXXX tried to collect a doctor bill that I wasn't awared of. I had to call the hospital and the hospital transfered me to XXXX XXXX XXXX who hired XXXX to handle their billing. I asked XXXX about what bill they are sending me to the collection and why I didn't receive any notification or invoice before my case was sending to collection, according to XXXX, XXXX customer representative, they couldn't get hold of me because they had my mailing address incorrectly. And they sent me to collection and can't not pull it back. Now I have 45 days to resolve the issue otherwise this will hit my credit record. Can you send somebody to collection without their knowledge?
On XX/XX/2016 a locksmith service provided services to replace a broken automobile key. I was handed a BLANK INVOICE with {$280.00} written at the bottom. I was asked to write my contact information at the top. The price was significantly higher than I expected but agreed to the {$280.00}. My credit card was processed and the work was completed. When I received my credit card bill the amount charged was {$780.00}. 

When questioning the charge I was sent a copy of the invoice with multiple line items written in AFTER THE FACT which totaled up to {$780.00}, although the total at the bottom still ready {$280.00}. 

On personal investigation of the locksmith company I have found this is an illegal scam operation with an endless list of consumer complaints of fraudulent charges and over charges. XXXX XXXX acts as a biller, broker, and licensed FRONT for UNLICENSED independent locksmiths. They have had their locksmith license revoked several times. The just move to a new address and open a new company and resume their fraudulent operations. 

Disputing the charge with Bank of America, B of A has repeatedly ignored the facts I have presented, including a complaint I filed with the California Department of Consumer Affairs , Bureau of Security & Investigative Services who found irregularities warranting a higher level of investigation for XXXX XXXX. You may contact them at ( XXXX ) XXXX and reference complaint # XXXX. B of A 's response as simply been that I was billed correctly because the line items added up to the total I was charged. 

B of A has failed their duty to protect consumers from fraudulent merchants. As a result I refused to pay the entire charge of {$780.00}.
Its been 10 days and counting that Rushcard left me with no access to my account. To make it worse the put my direct deposit into a card that was reported stole three years ago. I went to pay my bills and everything was rejected, My car ins cancelled. MY car pmt is due soon. MY cell phone is about to shut down and that not all I have no money and the gas in my car will last probably 2 more days. I believe that this company was hacked and they are lying about the accounts being fixed. I computer glitch does not take 2 weeks. Customer service number keep hanging up. I was following twitter to see what is going on. Rushcard says if you send a direct message that someone will call. I did that 3 days ago. 2 days I get a text saying someone from rushcard will contact me shortly. I have not heard anything. They keep posting that the problem is fixed, but I 'm still locked out of my account. I lost XXXX paycheck and money I had saved. I managed to changed my direct deposit to another account, but they are holding a lot of money, that no one know when it will appear. 
they also saying that he lost the money in investments, that rushcard is about to close and that in a couple of months we will receive all our money in a form of a check. I wanted to go to school in XX/XX/XXXX and I needed to hold my seat before the end of this week. Well that is not going to happened. I gon na miss out on going to school.
My brother passed away and as executor and heir to his estate the lender Ditech refused to work with me. I was denied any and all assistance including forebearances, cash for keys, lowered payments etc. this is also my primary residence. Currently, I am awaiting confirmation of the sheriffs sale scheduled for XXXX XXXX.
I do owe this debt. I have told this debtor to only contact me via mail. They have continued to call me and my father. They are extremely rude and insulting.