WillisBack/dataset-financial-user-claim huggingface dataset:
i made an electronic payment around XX/XX/XXXX, over 6 weeks ago, of about {$110.00} That payment was removed from my bank account and sent to Navient. I quickly noticed that the payment was never applied to my Navient account, so I started calling my bank and Navient to determine what was going on. After a group phone call between me, a representative from my bank, and a Navient representative it was determined that Navient had misplaced my payment, but my payment was sent to the right address. The representative then stated that the issue should definitely be resolved by my next due date at the latest. I then proceeded to call at a minimum once a week to keep tabs on the progress, and each week I was told something different by each representative, with none of them having any idea about my accounts situation whatsoever. Every representative after the initial one told me that my payment was sent to the wrong address and it would be relocated within the week, and they highly suggested that I use my forbearance until the issue is resolved. One representative even told me that she had expedited my request and that someone had to look at it the next day and that it would be addressed that weekend. I also reached out via email and 5 days after the original email I received a response that was completely useless and in no way answered my original question. My next loan payment was due last week, and I made the payment on time directly through Navient this time, but noticed that the first original payment still had not been applied to my account as promised by Navient. I also tried calling during their normal business hours and was given a runaround by their automated phone system three times.
I've submitted several disputes with XXXX and XXXX  directly, but nothing is being resolved. I am disputing the {$1700.00} collection account on my XXXX  report, because I do not owe {$1700.00} to Transworld Systems Inc, which is the collections agency trying to collect this debt. The original bill was for {$1700.00} and {$1500.00} was covered by my insurance bill, leaving {$240.00} remaining due to the original medical provider. XXXX XXXX XXXX, Transworld INC and XXXX are falsely reporting and trying to collect a wrong debt not owed. Every time I have disputed this, all I receive is an email or a letter from Equifax stating that they have verified that the debt is mine and has remained on my credit report. I do not owe {$1700.00} and I have provided proof attached to this formal complaint.
On XX/XX/2015 my wife and I purchased a living room set (couch, love seat and ottoman) from XXXX XXXX XXXX in XXXX , Ca. We were offered a no intrest credit card for what we thought was 36 months through Synchrony Financial.
My wife recently noticed that the bill was not being paid down. At this point I contacted XXXX XXXX. They said the terms were 24 months deferred interest and advised me to call Synchrony Financial.
I called and had a very hard time getting through, I just went into a loop that eventually hung up on me. I kept calling and asked for an agent in the US when I reached an overseas agent who did not want to help me. Many dropped called and transfers back to overseas agent I reached an agent her that said he could help.I explained what happened, he reiterated the terms and told me that I had no choice but to pay the deferred interest (at 29.99 %).
I asked if they would be willing to waive the interest and fees and he replied no, we needed to pay in full and interest will still accrue until we paid if off.
While I admit  that we are guilty of misunderstanding the terms, we feel like we were misled. Fist it was not interest free. We also thought that as we made the payments that it would be paid off before the expiration of the interest free period ( as in a previous purchase through Sychrony and a different firm), but the payment listed was only minimum, which we did not understand. Again, I feel like we were mislead, no so much lied to as, but just given half truths and misinformation.
The original purchase was for $XXXX plus tax and delivery fee. The balance on the account now stands at $XXXX , and rising. This is almost as much as the purchase price. I feel that Synchrony is taking advantage of us and charging an outrageous intrest rate and late fees. They do not even want to do anything at all but tell us to pay all the interest and fees.
This institution is predatory, I can imaging how many people, partyicualy older non computer literate people are being scammed like this. You have to be very persistent to contact these people and push to get any kind of information or answers. 
Please appeal to them and see if we can get this matter taken care of, I cant sleep at nigh and, dont have enough money to pay this balance with the high interest rate the are charging..
I have been a member of Rushcard since XXXX. On XXXX XXXX, XXXX someone was in XXXX, FL and took {$400.00} and had atm withdrawls of {$400.00}, {$2.00} for ATM fee, as well as XXXX charges of {$.00}. I was in XXXX, FL, which is about a XXXX minute drive. I had my card in my possession and the only reason I knew of the transaction was because I attempted a purchase in XXXX on XXXX XXXX XXXX XXXX, Florida on the XXXX of XXXX and the charge declined.. I then attempted a smaller amount without cash back and it still declined. I paid with a different method of payment and as I walked away from the register I pulled up the app for Rushcard and seen that my money was taken out at a ATM in XXXX, FL. I immediately called Rushcard and they stated that they will close out that account. They told me that they will open a dispute and asked me a series of questions, about did I give my pin to anyone and if I had the card. I told them no I did not give my pin to anyone and I still had card in my wallet. They explained that they will give me a credit of the funds owed, within 2 weeks while they investigate the situation that was on the XXXX. I received a letter on the XXXX dated the XXXX that the dispute was close and they do n't owe me anything. How can I be two places at one time and what type of investigation was done to find the person whole stole my money. This is unacceptable and I feel robbed by the person who did this as well as Rushcard for their poor business practice. That was money to feed me and my kids and have no money to give anyone. I work hard and need help to resolve this issue. I used the card like an hour or so earlier at XXXX for {$3.00} and I was in XXXX a good time before I attempted the transaction and have proof. I put on a law-a-way and have the receipt to prove it
a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive any type of notification as required by law prior to this being added to my credit. This debt is not owed and there wasn't any contract with this creditor.
I have never had an issue with this loan before it was changed to Heartland ECSI ( https : //heartland.ecsi.net/ ). Before they switched to their new absolutely awful website, that does not even work properly to make a payment, I was making my payments with zero issues on https : //borrower.ecsi.net/. That no longer works and I am forced to use their new XXXX website to try and make payments. The first payment I had to make on this new awful system was last month, and while it was an incredibly difficult to make the payment and I could n't even specify the amount I wanted to pay at least I could make a payment and view my loan information. This month however when logging in I was getting errors left and right, it would not pull up my loan information or let me make a payment at all. Oh their online chat service, does n't work. Ah I see they have a contact number ... which no one ever answers. This is frustrating and unnecessary for a company that makes money hand over fist to roll out a system for receiving loan re-payments that does not function. Let me repeat, it is highly unacceptable for this situation to exist, and I really wish this company would be punished for making it difficult to make payments on the loans they own. If my payment does not get posted today I may have to deal with late charges and potentially taking a hit on my credit score which I worked hard to build up, all because they rolled out a system without properly testing and ensuring it works and probably skimping on paying a company that knows what they are doing to build their new site.
Ocwen Loan number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXWe have already filed XXXX CFPB complaint against Ocwen on this file for valuation fraud. Rather than go over it again I am attaching the documents for the previous complaint. 

Ocwen did a new value at the end of XXXX. We were told today that the value came back at the same price as the previous value done XXXX/XXXX/15 - $ XXXX. In a declining market and economy, how is this possible? 

Aside from the previous issues with being lied to from Ocwen, and Ocwen 's inability to produce evidence of their actions, the issues with the damaged roof remain. Ocwen is refusing to take into consideration a material fact in this real estate transaction. We have already provided Ocwen with all of the documents attached. 

Attached are photos of the roof damage. This roof is damaged and can not be " repaired ''. It is illegal for these roofs ( " cedar shake roof '' ) to be " repaired '' in California due to high fire hazard they present- they need to be " replaced completely ''. Due to the style of these roofs, a new roof also needs to have 'decking ' added in order to have a foundation upon which to attach the roof. Please see attached building code and article explaining the fire hazard of these roofs. I have also attached photos of the roof from all angles. 

Ocwen can certainly decline to do a short sale, and they can certainly decline to lower a counter offer after a value dispute. However they CAN NOT ignore material facts affecting the value of a home. They can not ask a buyer to pay an inflated price simply because they do n't care about the condition of the home. 

***The newest appraisal done, attached, does not take into consideration the damage to the roof nor the Building Codes that require a replacement of the roof. We want Ocwen to review the value and to take these material facts into account.
For the last couple of weeks, I have been in contact with Ford Credit. I explained my husband was XXXX for a year and he was geographically challenged in the communication area. He had tried to make the payments and was getting a DNS server error. Meanwhile I was talking to Ford Credit and making them aware that he was XXXX with communication problems. I also explained that Im not on his bank account and they needed verbal confirmation from him in order to take a payment from me. I was having trouble connecting with him to make this happen. Today, XXXX XXXX they repossessed my car and left me with a husband whos XXXX, XXXX children, and no transportation. Im in the Country, so their is no public transportation. I called Ford Credit while they were repossessing my car and said to the gentleman that he was covered under SCRA being a XXXX XXXX with a unit for more than 180 days. This was also expressed in my communication with them prior to this day. I also told him to look at my communication over the last few weeks in regards to us trying to make the payment and he confirmed he was seeing that communication. We were only one payment behind coming up on our second payment when the communication about my husband being XXXX started with Ford credit. I left a message with my husband to call Ford while the guy was here for the repossession and that it was an emergency. He called Ford credit also and they told him that they needed a certified payment and thats why he was getting DNS server errors when he was trying to pay. They never once communicated this to me over the last few weeks, nor did they tell him? So weve been trying to pay all the while we couldnt have anyway because it had to be certified! My husband is in a remote desert area! How do they expect him to know this and why didnt anyone communicate any of this to us before the car was taken? Im thoroughly disgusted with Ford Credit and the way they handled this situation and their lack of concern for a United States Servicemember And his family.
Every year I can not get past Equifax 's ( PURPOSELY ) illegible s CAPTCHA, ( authentication challenge ) alpha-numeric box. I try 3 times unsuccessfully and the system then locks me out. This requires me to sent Equifax - by mail - a list of documents in order to receive my free annual credit report. I do not have this issue with XXXX XXXX or XXXX. I have lodged a complaint once before to no avail. CFPB has not been successful in dealing with this OBVIOUSLY and PURPOSEFULLY underhanded attempt to force citizens to the onerous task of mailing sensitive documents to them. The obvious reason is to get requestors to just give up and go away. I hold CFPB accountable for not fining or sanctioning Equifax. Otherwise this will never be resolved. Please respond with a corrective action detailing what, if any, pressure you can bring to bear on Equifax.
My student loans are with  XXXX   XXXX . I was looking for a way to lower my payments. I found a company called Fedloan Help, free student loan repayment assistance. They said that they would take over the loan and I would pay them based on what I could afford ; income minus expenses. They did so and spoke on the phone to me extensively about their service, communicating that they would take over the loan and I would pay them at a reduced monthly payment. They said my credit rate would go up because of the transfer showing the closing of the account with  XXXX . I signed the paperwork and provided all pertinent information. My payments were withdrawn every month on the  XXXX  as I requested. I believed this money was going towards my student loan. This past week when I could n't get a  XXXX  tax form I became suspicious. I was told the form they did have for taxes counts as a charity credit since they are a not for profit. Also I was told I was due for recertification. As a result I was told my payment would go up, which I did n't understand, I did n't know about recertification. When I first began this process they certified me with  Granite State  with a take home of {$54000.00} a year with  XXXX  dependents. Therefore, a forbearance was put on my existing loan with  XXXX . No transfer took place ever. It just looked like I had a  XXXX  balance since I was in forbearance and had no idea this was happening. With the recertification this year I was told my payment went up from {$180.00} to {$310.00}. I questioned why. Fedloan Help then said that they had no control over what my loan holder said I had to pay. I could n't believe it. I had been scammed. I spoke to  XXXX   XXXX , but they said they had n't received a payment from me since  XXXX    XXXX  . Nothing that Fedloan Help communicated to me would happen, happened. The new submission from  XXXX  to  XXXX  was based on an income of {$55000.00} with  XXXX  people in the household. I do n't understand what Fedloan Help is doing but they are n't telling people what they are really doing. Of course there are contracts you have to sign and I need to go back and read them ; obviously I did n't read them closely and was suckered. Their claim is that they would take over the loan and I would pay them. They 've taken around {$2500.00} for me and none of it has gone towards my student loan.
I applied for an XXXX American Express Business credit card in XX/XX/2017. The promotion was as follows : " XXXX bonus Starpoints after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus Starpoints ( for a total of XXXX  ) after an additional {$3000.00} or more ( for a total of {$8000.00} ) in eligible purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. '' This is not in dispute, this is pasted from a chat window that they sent to me. 

We met both the {$5000.00} and additional {$3000.00} minimum spend simultaneously on our statement closing XX/XX/XXXX. We assumed the points would be issued quickly, as they were when my husband completed a similar spend on the personal XXXX AmEx credit card. We received the initial XXXX points for this card on XX/XX/XXXX, 15 weeks after meeting the spend, after they told me 8-12 weeks. However, we still have not received the final XXXX  points, and have now waited 7 months. We have spoken with American Express numerous times, and launched an " investigation '' in late XXXX. Each time we reach out, it will be another couple of weeks, a few more days, etc. We need some kind of resolution.
I had an account with Bank of America around XX/XX/XXXX-XX/XX/XXXX joint with my mom. I opened it while I was in high school. I had approximately 2,800 in the account when the account was overdrawn by {$1000.00} and my account stated that I had written a check with insufficient funds even though a banker specifically told us that the money was taken from my account to pay for a loan that was fraudulently taken in my mother 's name.
I have disputed twice with Equifax the status of a tax lien that was placed on my credit report. The tax lien was vacated and withdrawn, and removed from my XXXX report. I am requesting that they do the same. I faxed over documentation from the courthouse. When calling the about the dispute, the last XXXX representatives stated they did n't know what I was talking about and that the item had been removed. Then they further proceed to try to get me to upgrade my monitoring service. I explained to them that I do not pay {$16.00} for my services, I pay a more reduced rate. They insist that Im being charged more and proceed to transfer me to another department where they see my account is exactly as I stated with the reduced fee. I have been going back and forth with this company for the last week or so with no results and the same answer " i do not know what you are talking about ma'am '' Frustration has truly set in, all I want is for the lien to be removed from my report because its reported inaccurately and has been vacated by the court.
I have received at least XXXX phone calls in the last two weeks or three weeks from XXXX trying to collect on the debt for someone named XXXX. I have let them know several times that I am not this person and that he does not have this phone number. They have indicated that they will remove me from their list within 24 hours, but they continue to call me. I am tired of being harassed continually at all hours of the day and night for them trying to collect these debts.
XXXX ( XXXX ) Debt collector did n't verify collections. No contract no signature
This is not a new issue ; I only just realized that there are options to complain and try to obtain justice for the services. I'm in my current situation because the company has been dishonest from the start about repayment options and about the consolidation process. 
As of today, XX/XX/2018, I was re-enrolling in the Rate Reduction Program. I explained my new financial circumstances, including an account of all of my expenses and my income. Their response was to raise the amount I owe, even though I was technically enrolling in a RATE REDUCTION program. It was useless to use logic to explain how it doesn't make sense to request the amount they're asking for, in addition to increasing my payments, based on my income and expenses. At this point, I'm left have a high payment due each month, be unable to make this payment, and have my credit destroyed because they are not willing to negotiate a fair monthly payment. Making partial payments based on what I can afford is not good enough to them. I've consistently made all payments while in the program, so to be denied when I am truly in financial hardship is deplorable. If anyone can actually HELP I would appreciate it!
National Recovery Agency reported a collection account on XXXX which they said occurred 5 years agofrom XXXX XXXX XXXX, a XXXX company. I sent XXXX XXXX XXXX emails regarding this and had no response. I called them and was told that they have no record of this transaction. I have never done business with XXXX XXXX XXXX. 
I spoke with XXXX XXXX at National Recovery and had no resolution even after I emailed them a request.
I am writing in regards to Experian. I was disputing a couple items on my credit report and the are not providing me with results. They keep sending me a letter that states " they have inaccurate social security information ''. I have sent them proof of my identity like they asked multiple times and they have not fixed the issue. I have tried to call and none of the numbers will get me to someone. My social is correct and they need to provide results for my disputes and ensure they are reporting accurate information.
I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from my credit.
I disputed inaccurate information on my credit report with XXXX companies ( XXXX and transunion ). XXXX got back to me within 1-2 weeks and removed the innacurate information. Transunion has not done the same and they did an inadequate investigation and I have further disputed it. I have submitted to them proof where XXXX has removed the innacurate information but transunion sent me a letter where they stated that they could not find my credit report. I have submitted to them all of my information including the file number. They are delaying and denying my claims and they are doing so in a criminal and fradulent manner. I have contacted them 2 times by phone and 2 times by fax and they refuse to resolve my complaint.
In XXXX XXXX I turned in lease of a XXXX XXXX XXXX. The car was washed and they sent me a bill for XXXX {$900.00} to clean up. I did not pay. later they put they amount on my credit report, and as of XXXX they sent a XXXX to the IRS and a copy to me as this sum to be take as income when I filed my Fed taxes. I sent a copy of the form by letter to all the credit reporting agencies, and requested the account be adjusted and removed from file. It was done so several times by the reporting agencies but Toyota Credit electronically continues to accept the status quo. I wrote Toyota Corp. Credit requesting the file correction. Thus far no response.