WillisBack/dataset-financial-user-claim huggingface dataset:
For the past three months, I have been forced by my student loan servicer, Navient, to make a {$50.00} payment ( each month ) on a loan that I had recently paid off in full ( on XXXX/XXXX/16 ). The reason why I am paying each month is because I missed one payment and it significantly lowered my credit score ( which I work very hard to keep up ). I missed that one payment because Navient added the loan back on to my account WITHOUT notifying me. It is important to note here, that I have ALWAYS been enrolled in auto debit. The auto debit on this particular loan was CANCELLED due to the fact that I had previously paid it off in full ( I have the documents sent from Navient to prove this ). I called Navient multiple times ( wasted hours on the phone with many different representatives ) trying to get to the bottom of why a loan was still listed on my account ( as well as still accruing interest! ) when I had already paid it off. I was told that there had been a " payment reversal '' and that I should check with my bank. Having checked with my bank, ( I even uploaded pictures of my bank statements to Navient ) I tried to explain that clearly there was never any " reversal ''. I never got any money back. What was even stranger, was that there are a whole bunch of payments and reversals listed on my account that I had never been a part of! Navient claims that I was given back roughly {$7000.00} and had paid around {$12000.00}. I told one rep that I had done no such thing and asked him to explain all of that to me and he told me that the payment was paid to a loan that we both agreed was not even one of my loans listed! With that being said, nothing could get done about it. Each time I called, they told me that " it was being investigated ''. It has been three months now! How many more months do I have to keep paying for a loan that I already paid off?! It does n't sound like anyone at Navient is looking into my account and I am very nervous about all the money being moved around when I am not even touching it. I work hard to save my money up so that I can make a large payment every now and then ( that seems to be the only way that I am able to make a dent in my balance ) but, I am too scared to make any more payments on my loans because of this issue repeating itself! I really want to finish paying off the rest of my loans as soon as I can. I find it incredibly frustrating that I have reached out several times to Navient about this and all they want is the {$50.00} payment.
Regarding Navient Account Number XXXX I was paying about {$130.00} monthly to Navient through autopay. 

I made a {$4000.00} payment last week to pay down my loan. 

I just checked my bank statement and found that Navient charged me {$190.00} for no discernible reason. 

I called Navient customer service to find out what the {$190.00} payment was for, and they COUD NOT tell me. Nor would they refund my money while they did their internal investigation. 

They basically went into my bank account and took an UNAUTHORIZED PAYMENT and can't even tell me what it's for.
Capital One Bank Credit Card - While out shopping card repeatedly kept declining. My first thought was that is fine since I had not used the card for shopping in quite sometime. I use monthly for Fitness Membership. 
So I decided to contact the fraud department to advise them that yes it is really me using the card. They were okay with that and said thanks for calling in for clarification/verification. I work in the XXXX XXXX Field so I really appreciated the Fraud Dept. looking out for my best interest. The only problem thereafter is that the card declined basically each time I tried using it and each time I called the fraud department. I was repeatedly advised that Capital One suspects fraud. Called the Executive office at XXXX and file a complaint with XXXX. I was advised it would take 7 to 10 business days for review. This was XXXX/XXXX/16. 
I called back to check the status XXXX/XXXX/16. XXXX with XXXX who advised me she would advise XXXX or whomever to please check the status of open case # XXXX. I called again today. XXXX called me back to let me know the case is still pending. I am contacting you because I do not feel they are taking my case seriously. I plan to travel out of the country XX/XX/XXXX-XX/XX/2016 and do not have faith my card will be authorized if used. I have never missed a payment with Capital One Bank. In fact, sent them a check for XXXX back in XX/XX/XXXX or XX/XX/2016 thus paying off the card in question ending in XXXX and a good chunk of the one ending in XXXX. I commend their fraud efforts as a XXXX worker. However, they are taking it to the extreme. It 's almost like they do not want to be in the credit card business. It is so embarrassing trying use to use my card to be declined in front of a bunch of strangers.
REFERENCE " cfpb '' CASE NUMBER : XXXX cfpb, I appreciate your follow-up regarding the referenced complaint and the dead line to receive feedback. Please note, on XX/XX/2018 ; I submitted feedback to the company 's response to Consumer Financial Protection Bureau ( cfpb ) ; along with copies to Specialized Loan Servicing ( SLS ) ; Federal Trade Commission ( FTC  ) ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX Consumer Disputes ; and XXXX XXXX XXXX XXXX.

Per United States Postal Service delivery tracking numbers and confirmation of received response/documentation ; receipt of my response.
Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XX/XX/2013, should be removed. Scottrade is in possession of a police report that supports this request.
Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX  drawn on a bank that I have never had an account with.
I have contacted the Georgia Attorney General and they have contacted SLS regarding my account.  XXXX  sold my loan to SLS and I am paid until   XXXX   XXXX    . SLS does not acknowledge this and continues to mark my account past due, 71 days.  XXXX  has provided the information  3x per  my request and still no change in my account status or SLS acknowledgement. The Georgia Attorney As of   XXXX     there is no change from   XXXX   XXXX    .     An  SLS r epresentative called the week of  XXXX  and informed me that SLS is aware that I am paid until  XXXX , but when I calle d SLS  on  XXXX , there was no change to my account. I requested an updated statement based on this new information. I still have not received the revised mortgage statement confirming I am paid until  XXXX .     SLS continues to send information to the wrong address. My correct address, which I have sent to SLS via official  USPS n otification, is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX   XXXX    XXXX   ID #  XXXX  Received RESPA notice on   XXXX   whic h SLS  has already violated   XXXX    XXXX  ID #  XXXX  ID #  XXXX    XXXX    Executive Ser vices says they do not have information that I am paid u ntil  X/XX    XXXX   W as told my rep that there were  hundred of lo ans sold to SLS that SLS has not processed correctly and for which they have no information   XXXX    XXXX  no ID # Requested welcome letter and payment notice and received information on the Automatic Payment Program   XXXX   Requested  XXXX  send another payment history to SLS   XXXX    XXXX  automated calls daily  XXXX   XXXX  Account #  XXXX  Georgia Attorney General File #  XXXX
I erroneously made a payment of {$11000.00} on XXXX/XXXX/XXXX to the wrong Citibank card XXXX an old citi 'double cash ' card ) rather than the intended recipient XXXX XXXX XXXX. When I realized the error I called Citibank on XXXX/XXXX/XXXX who advised the funds would be refunded into my checking account in 3-5 business days. I waited patiently then I spoke with an agent at Citi, who was unhelpful. I asked to escalate the matter, then spoke with a XXXX, XXXX ( 'I cant give you my last name ' ) at XXXX XXXX XXXX XXXX ( XXXX ) on XXXX who advised the refund had to be 'cleared by a manager '. She proceeded to make excuses, then called XXXX to verify the payments previously made in error had 'cleared '. Then she supposedly processed an 'expedited review '. I am still awaiting my refund!
Dear CFPB, My Name is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX XXXX unfortunately both deceased. 

I am complaining about JP Morgan Chase Bank, filing an illegal foreclosure and eviciting me from my parents home on XXXX/XXXX/XXXX, Fact on XXXX my father passed away XXXX XXXX XXXX, Fact on XXXX XXXX, My Mother Passed away XXXX XXXX XXXX XXXX Fact I lived with my parents my whole life at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX On or about XXXX/XXXX/XXXX JP Morgan Chase Bank filed a fraudulent foreclosure action against my Mother XXXX XXXX XXXX deceased which is legally impossible to do, suing a dead person is a legal nullity, facts they and their attorneys XXXX and XXXX XXXX was awarded a Judgement of Foreclosure and Sale by a Judge who was bribed, they can not sue a dead person it is legally impossible, XXXX and XXXX XXXX XXXX did not have standing to sue because they are an LLC and forbidden under the Illinois Attorney Act.. The Court did not have jurisdiction to hear the case because it was a ( Probate Matter ). Fact the obligation was paid to JP Morgan Chase Bank on or about XXXX. I am demanding that JP Morgan Chase Bank be prosecuted for fraud and destroying all of my personal property. They violated the XXXX XXXX XXXX. They did not enclose payment history to prove that the mortgage was paid off in the Foreclosure Case 13-CH-136 as required by Illinois Supreme Court Rules Specifically Supreme Court Rule 113. They did not disclose payment history because they took advantage of my parents USURY and the illegal foreclosure. They have bribe the Clerk Of the Circuit Court they can not administer estates. I have asked their attorneys XXXX And XXXX numerous times to validate the debt and they refused. Suing a dead person is impossible. JP Morgan Chase Bank N.A. has taken advantage of deceased mortgagors and veterans and their dependents.
TRIED ONLINE AND COULD NOT GET A REPORT, CALLED EQUIFAX AND STILL THEY REFUSE TO GIVE ME A COPY OF MY CREDIT REPORT. I ANSWERED ALL QUESTIONS ACCURATE. I HAVE NO PROBLEM GETTING MY REPORT FROM XXXX OR XXXX, EQUIFAX TRIES TO MAKE YOU JUMP THROUGH HOOPS AND TREATS ME UNFAIRLY WHEN TRYING TO RECEIVE MY REPORT. I ALSO NEED TO CHECK FOR ACCURACY OF ALL INFORMATION.
I attended XXXX University almost 10 years ago. My students loans were taken out in my name by my mother and not by myself. I did n't know about these loans or agree to them. I found out about the loans after she passed away and now they want to make me responsible for them. 3 years ago I joined the United States XXXX and am trying to go back to school while I serve as a XXXX. I contacted XXXX University to request my transcripts be sent to my new school. They say that they cant release my transcripts until I pay them {$1500.00} which is not possible at this time. I even asked if I could start a payment plan and I was told it had to be paid in full. I even stated that these transcripts are for military purposes and they still refuse to help and send the transcript. They say that they greatly appreciate what our service members do for this country and love helping out, yet they want me to pay {$1500.00} for a {$6.00} transcript and all this is so that I can do the right thing and continue my education to obtain a degree and become an officer in the XXXX
unauthorized use of estate 1 ) Name and address of the holder in due course of the alleged Debt, 2 ) A copy of the original signed Contract and all of its amendments, addendums, between the parties, 3 ) Copy of the original signature for each item listed on the account statements, Verification is to be attested, under penalty of perjury, by a wet ink signature.
This is a continuation of complaint submitted last year XXXX XX/XX/XXXX XXXX Case No : XXXX. 
Lender is again sending threatening letters that they do not have a copy of my insurance policy when in fact they do have on file per conversation XX/XX/XXXX Letter states that must provide proof of insurance within 10 days. Informed lender again that property is fully insured and there is no HOA policy in effect.
I requested a loan of {$12000.00} from XXXX XXXX in XX/XX/XXXX. Three disbursements were made.XX/XX/XXXX for {$4700.00}, XX/XX/XXXX for {$4700.00} and XX/XX/XXXX for $ XXXX.Total disbursed {$9500.00}. I graduated XX/XX/XXXX. Throughout the term of the loan I had placed the loan into deferment. In XX/XX/XXXX I called XXXX XXXX to inquire why my principal balance reflected total amount owed {$13000.00}. I was told by two customer service representatives that during my deferment my student loan accrued capitalized interest. The issue I have is with how this information is disclosed on my billing statement. My billing statement reflects the actual principal of {$9500.00}. actual funds I borrowed and then it shows current principalb {$13000.00}. this is very confusing. In addition it is inaccurate according to XXXX XXXX dictionary online principal is defined as : a matter or thing of primary importance : such as a ( 1 ) : a capital sum earning interest, due as a debt, or used as a fund. In addition according to XXXX XXXX  dictionary online Th term interest is defined as a : a charge for borrowed money generally a percentage of the amount borrowed. Disclosing an increased amount and defining it as principal would indicate an additional amount borrowed, however it is interest and should be disclosed on monthly billing statements as capitalized interest NOT PRINICIPAL. Since this is not part of the funds borrowed it should be separated and disclosed as such including the dates of the deferrment period. This will lead to decreased student loan debt and more transparency. My goal is to help alleviate the burden placed on graduate students, in addition, XXXX XXXX  offers few options to negotiate repayment. Except forbearance or deferrement. There are no options to alleviate the payment based on income. They are forcing students to accrue more debt.
XXXX, payed bill, received a letter from them stating " paid in full letter '' yetthe account still shows in my credit report as opened.
Thunderbird collections ( TCS ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX AZ. XXXX, a medical debt in the amount of {$1800.00} has called my place of employment leaving various voicemails with personal information in spite of being requested not to do so. These calls put my employment at risk and they continue to do so, leaving messages with patient access and records at my employer. This is in addition to multiple calls daily to myself with threatening messages.
I received a notice from my employer that I will be garnished the next pay cycle by MCR receivables  Corporation represented by attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX mi XXXX. The writ for garnishment was furnished by my employer on XXXX/XXXX/XXXX and my paycheck was garnished on XXXX/XXXX/XXXX. I never received a notice from the company and I do not know what the debt is for and was never given the opportunity to confirm the debt belong to me. It shows on the writ that the collection agency sent the original judgment to an old address that I have n't lived at in 10 years. 

The writ states : Plantiff received judgment against defendant for XXXX on XXXX XXXX, XXXX. The amount of unsatisfied judgment is XXXX. 

It does not state on the writ what company is demanding payment. At this stage I am being garnished for a debt that I know nothing about. 
To date the following amounts have been garnished from my paycheck : XXXX XXXX XXXX XXXX XXXX
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and How were these accounts verified by virture of proper documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.
the debit is from XXXX for an XXXX XXXX not my self and have spoken to them and debit recovery solutions
CMRE Financial Services ( collection agency ) has classified my account with them as in Default, however I have proof of payment via my HSA with XXXX XXXX XXXX that my payments which actually exceed the amount agreed upon, were in fact mailed to them within the XXXX days of last payment. Their letter is generated when payments have not been received with the XXXX days. However, I have mailed them XXXX payments, XXXX of which were within the time indicated but the agency has not cashed XXXX out of the XXXX checks or posted them to my account. I called their account specialist, who just wanted to over talk me and repeat that they do n't have my payment. I have copies of the checks that were sent to them by XXXX XXXX XXXX. Do I have any rights, even when an account is in collections to expect that my payments are accurately posted and in a timely manner? 
Thanks you for your assistance, XXXX XXXX
I reached out to Experian and  XXXX   XXXX  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), yo ur company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.
To whom it may concern : I have lived in the state of Florida all my life and am an active member of my community. I provide public service to my church and have served my country in the XXXX XXXX as a XXXX. I have owned my home since XXXX of XXXX, but I am now in danger of losing it to foreclosure due to a predatory loan and lender 's unwillingness to rectify the problem. 

After using XXXX loans to purchase this home, I decided to consolidate in XXXX and refinance the property with the purpose of controlling my interest rate and payment and also to use a little cash to do some home improvements. The bank appraised the home for $ XXXX at the time of the refinance and the Loan was for $ XXXX. I felt safe by leaving a sizable amount of equity in the home which would allow me to sell the home or refinance in the future if better rates became available. I also thought I was getting a 30-year fully amortizing loan, but it turned out to be a 50-year partially amortizing loan with a balloon payment due after 30 years!!! I would never sign up for this kind of loan knowingly. 

I started to suspect a problem a couple of years into the loan when I noticed that I was hardly making a dent in the principal after paying so much money ( XXXX I believe ). I was struggling anyway due to the economic downturn that had occurred, so I contacted XXXX ( who eventually changed their name to Caliber ). I got nowhere with them for the next two+ years!! I was told at XXXX point that I could n't get any modification help unless I was behind on my mortgage ; so after trying until XXXX, I decided I had no choice but to stop paying into this predatory loan. Once I fell behind, I applied for a modification a couple of times. 

Each time, the only offer I was given was XXXX that offered short term relief for a couple of years and then a reversion back to the same loan terms with a large amount added to the end of the loan. The offers also restricted my future rights to attempt to modify the loan. 

I believe my loan qualifies for some program out there. My property has lost about 25 % of its value since I bought it, and about 50 % of its value since I took this loan out. I am a XXXX and am doing fine financially, at least well enough to maintain a reasonable mortgage loan. Add in the predatory nature of this loan, and I should actually be a prime candidate for modification, but XXXXCaliber has shut the door on me by not offering any real solutions to this problem. I have been attempting to Short sale the property since XXXX XXXX but Caliber is not cooperative. Now I 'm facing a foreclosure sale on XXXX/XXXX/XXXX!!! 

This could have been resolved years ago ; I 've talked to so many different representatives trying to get this fixed and move forward. I never intended to defraud anybody, and I 'm not looking for charity. But this loan is not fair!!! All I ask is to be given a fair chance at the modification programs that are supposed to be made available to citizens like myself whose tax dollars bailed out these lenders. Any assistance that would allow my family to keep our precious home would be greatly appreciated. Thank you for your time.
on XX/XX/XXXX i was alert by phone by XXXX representative to verify i wish to open a XXXX in the store with the fraudster holding on the other line.I advice i donot want or apply for XXXX XXXX card and to decline and close out account. i was told by the rep they will devaule the gift of {$750.00} that was been purchase to XXXX and close out. on XXXX/XXXX/XXXX i got a card to activate. i call back and advice i dont want this card and it is fraud i was then told that there is a balance on the card for {$750.00} and that the purchase was made on XX/XX/XXXX in the bronx and the card was applied for online in XX/XX/XXXX. i could not understand because here the bank presumingly have a fraud procedure in place to activate the card before it can be used but purchase was already made. I SEE ON MY CREDIT REPORT HE BANK REPORT THE AMOUNT OF {$740.00} ; STATING IT IS IN DISPUTE. I WISH FOR THIS TO BE TOTALLY REMOVE FROM MY CREDIT I also received a bill from sychrony bank for {$16000.00} for a store card issue for XXXX. I never received a call or alert from the bank when these unusually big purchases are been made in XXXX XXXX XXXX IN MIND I LIVE IN XXXX XXXX . I CONTACT THE BANK AND I WAS TOLD THAT I AM NOT RESPONSIBLE FOR THE BILL, I WANT THIS TAKEN OFF MY CREDIT REPORT. I am high XXXX and i dont want my credit tarnish. if these bank are so quick to issue and approve credit without proper id and some kind of alert system with all the fraud we face today in america. THEY NEED TO QUICKLY REMOVE THESE CREDIT FROM MY REPORT AND LET XXXX AND XXXX XXXX PAY THEM. I APPRECIATE ALL THE HELP YOUR CFPB CAN DO TO EXPEDITE THIS FRAUD OFF MY CREDIT REPORT TO MAKE ME WHOLE AGAIN.
Bank of America is my investor for my XXXX mortgage and XXXX XXXX is my servicer. No one seems to be able to tell me why I did n't qualify for the National Mortgage Settlement to lower my principal or get refinanced for a lower interest for my XXXX mortgage that is owned by Bank of America. I would like to be able to refinance for today 's low rates per the settlement agreement. I keep getting the run around and was actually told by a Bank of America employee that Bank of America does not own any loans and that I must be mistaken.