WillisBack/dataset-financial-user-claim huggingface dataset:
My studen loan servicer is Nelnet. They notified me at the end of XX/XX/XXXX that they will no longer accept credit card payments as a form of payment. I'm a US citizen that lives and works in XXXX XXXX and currently do not have a US bank account. I contacted them about this in early XX/XX/XXXX to see what other alternative payment options overseas borrowers may have - after several calls and emails, I was told a prepaid card would work. I obtained a travel prepaid card that allowed me to load US currency - this was declined by Nelnet. They then told me the card needed to be a prepaid card coded as debit. I met with my bank in XXXX XXXX and they helped me track down a prepaid card coded as debit that allowed me to load US currency - this was declined by Nelnet. Nelnet put my account into forbearance until XX/XX/XXXX ( without my permission ) saying that they would find a solution for me in the meantime. It is now the end of XX/XX/XXXX and I have not heard a word from Nelnet. I've continued to send emails and they either don't respond or reply saying that I can use a prepaid debit card - they don't actually address the problem ( that the prepaid card coded as debit doesn't work on their end ). Once I can plan a visit home, I will open a US bank account in my name - but I am not able to do that unless I am physically present ( I tried opening an account through numerous banks ). Unfortunately, I can't just hop on a plan to the US for the sole purpose of opening a bank account ( airline tickets are around XXXX dollars ). I believe Nelnet is intentionally not responding to my emails now. I have also lodged complaints with the Department of Education. The first response from the Department of Education was to close my case, saying their records show Nelnet gave me a solution. I lodged another complaint saying that Nelnet did not give me a viable solution as their advised forms of payment were not accepted. This complaint is currently open and is still not resolved.
Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. Thank you
XX/XX/XXXX {$950.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$850.00} And another {$40.00} charge, not sure of the date. 


Have no idea of these ER visits. I'm a victim of identity theft and have been battling since XX/XX/XXXX.
In XX/XX/2014, I financed a pre-owned BMW through BMW Financial Services. I even paid {$2000.00} for an extended warranty on the vehicle. Within 45 days of my purchase, it became evident that I purchased a lemon ; as the transmission went out on the vehicle. I had the vehicle towed to the BMW dealership, only for them to tell me that the transmission was not covered in the {$2000.00} extended warranty I had purchased. I was incensed. To " help me out, '' the dealership offered to take this vehicle back as a trade-in, and if I paid another {$3000.00} down payment, give me another vehicle. I reluctantly agreed. The original auto-loan was rectified through the trade-in, and I financed another pre-owned BMW through BMW Financial Services.  Within 2 months of driving the second vehicle, the engine blew. Once again, this was not covered under the extended warranty, and BMW offered no help. It was obvious that they hold sold me two lemons in a row. The only solution they offered me was to pay {$14000.00} to replace the engine. I knew I was being swindled by BMW, and I did not want to continue to do business with that organization. I had already lost too much time and money. I expressed my displeasure to the dealership, and let them know that I was leaving the 2nd inoperable vehicle with them. They told me they understood, and that would be fine. Considering the thousands of dollars I had paid in down payments, extended warranties, towing charges, and other inconveniences ; I assumed the finance contract for this 2nd vehicle was also resolved. After all, they had sold me two $ XXXX vehicles that had become inoperable within weeks of the purchase. A couple of years passed. Recently, I discovered that BMW Financial was reporting this account on my credit report as an unresolved repossession. And furthermore, they were reporting that the outstanding balance was {$16000.00}. That's the full amount left on the service contact when I left the vehicle at the dealership. I am certain that the BMW Financial re-sold this vehicle, and I was shocked to see that they were holding me responsible for the full balance left on the finance contract. I immediately disputed this account with XXXX, XXXX, and XXXX XXXX. I have done that several times now, but BMW Finance continues to say I owe them $ XXXX. I completely disagree with this, and have expressed this to BMW. I suppose that BMW became angry that I disputed this debt, as they have recently hired a nasty collection agency named XXXX XXXX XXXX to start harassing me over this contested debt. As if it wasn't enough that the BMW organization had already swindled me out of thousands of dollars for two worthless lemons, they are now hiring a collection agency to harass me for another $ 16,000+, despite the fact that the statute of limitations has already expired anyway. There is no way this can be legal.
There was an account that was opened in the amount of {$400.00} and I am being asked to pay an amount on a contract that was closed
My mortgage servicer Roundpoint Mortgage has kept me on a treadmill for close to 3 years and despite sending them hundreds upon hundreds of documents over this time has never conducted a review for homeowner assistance options. I have an FHA loan insured by the government and I know that there are programs available to help me. Despite my best efforts Roundpoint has never actually considered me for any of these programs and has now set a sale date of XXXX XXXX. This is very disappointing. I served my country proudly as a XXXX XXXX XXXX for 27 years and am a veteran of the XXXX XXXX. I then worked for XXXX for 37 years and am now retired and on a fixed income. I do n't want to lose my home and feel that Roundpoint is denying access to these programs that should be made available to me. 

I have owned my home for 15 years and refinanced through XXXX XXXX in XXXX into this FHA mortgage loan. My problems began in XXXX, when my wife XXXX XXXX after a 5 year battle with XXXX. I am retired after working 37 years at XXXX and also served in the military for 27 years. I live on my pensions and SSI and with her passing I was not only emotionally devastated but the household income was literally cut in half. To make matters worse soon after my mother and then my brother XXXX XXXX as well. I was overwhelmed financially and emotionally and ended up defaulting on the mortgage. 

Shortly after that the loan was transferred to Roundpoint. I eventually got back on my feet financially and began trying to get Roundpoint to work with me to resolve the delinquent payments. Over the course of three years I have been unable to make any progress despite sending hundreds upon hundreds of financial documents to Roundpoint for review. I have the means to afford a reasonable payment and qualify for these programs but Roundpoint has continually kicked the can down the road and set a foreclosure sale date for XXXX XXXX. I have worked with an account manager who has been helpful, but I can never seem to make it to the next step. I feel that Roundpoint is purposely obstructing this process -- my financial situation is not that complicated and I have provided them every document they requested more than once. Yet Roundpoint never moves forward -- they never offered me the option of mediation through the state of New Jersey as required by state law They never provided Occupied Conveyance paperwork for me after setting the sale date. Instead they have thumbed their nose at the rules and marched towards foreclosure.
I opened my account at about XXXX MST on XX/XX/2019. There was a welcome bonus offer on their website for new customers offering {$200.00}. The bonus is being offered through XX/XX/2019. 

On the website there are 2 options presented. Open now and the coupon code is automatically applied or email me a coupon to take to a branch before XX/XX/2019. I clicked the open now button, completed my application and opened my Chase Total Checking account. 

I deposited {$30.00} into my account the same day and signed up for direct deposit. My first paycheck was deposited on XX/XX/2019. 

I never received a bonus. I called Chase Customer Service on XX/XX/2019 at XXXX. The representative didn't see a coupon applied to my account. He escalated my request to the research department. On XX/XX/2019 I received a call from XXXX XXXX. He left me a message and asked me to call him back at XXXX ext XXXX. 

I returned his call at XXXX MST on XX/XX/2019. He told me that the coupon team reviewed my online session and did not see a coupon applied to that session so he couldn't do anything. I asked what would cause it to not be automatically applied as stated on the website and he said " I don't know what you did during your online session but there was no coupon applied. '' I asked if I was ineligible for some reason or declined for the coupon. And he just kept repeating that there wasn't a coupon applied to my online session so he couldn't honor the bonus. I was never provided a coupon code when I applied online. The website says coupon code automatically applied and it wasn't for some random reason that no one can seem to tell me.
Navient has been attempting to contact me. They have an accurate phone number, email address and physical address. Today, XX/XX/2019, they opted to contact my fiance. At this time, he is NOT listed on any of my accounts, his phone number is NOT listed as any of my contact information and NO ONE is authorized to speak to him about my personal finances. This is a huge breach on the part of Navient as they have now shared personal information to someone who is NOT authorized to receive information.
Called Bank  of America credit card costumer service Nevada location on  XXXX   XXXX ,  2017  to resolve a late fee charge of {$25.00}, same day I immediately pay a certain amount of my existing bill. The lady who answered my call told that i can not get the fee back since it already happens twice. On my end, it just so happen that I forgot to log in on my due date and forgot to pay my bills on time which when i remember 5 days after i paid not only the minimum amount and that 's the reason why i called them right away for that late fee. I call them for their consideration and also ask them for help to set up auto deduction in which they cant do it for me instead they want me to do it myself. Everyone is busy and sometimes might fall on the cr ack. Got very ups et with the lady who answered my call who can not resolve the issue but argues with me. I even asked if I can speak with his supervisor but keep on arguing and did n't escalate the issue to the right person. I ended up the call closing my credit card account with them.
I do not know where to put this under but MCM is calling numbers that do not belong to the person who they are trying to reach. The numbers on the account my number belongs to is not even under the persons name they are trying to get a hold of so how is this legal . I may be  the husband but my name was never on any account with my wife 's and this number was originally a business number that I had for a year before switching the number to an account that is not mine or my wife 's. There is no possibile way that MCM found this number under my wife 's name since it was under  XXXX   XXXX   XXXX  and then went to my mothers name who shares no last name or any similar name with me or my wife. How do I know MCM has not called anyone else under my mothers name and disclosed information. These people are doing illegal stuff.
I paid a debt that i knowingly have no knowledge of. I paid it on XX/XX/XXXX as I am in the process of obtaining a mortgage and this collection came up on my credit report. I emailed the agency on XX/XX/XXXX for deletion as i paid the debt although its not mine ( to expedite mortgage process ) and to remove from all three credit bureaus. I have not received a response as of yet. Furthermore the agency is reporting different information on all three bureaus. XXXX shows an open date of XX/XX/XXXX and the remarks show placed for collection and account as open. XXXX  shows an open date of XX/XX/XXXX and the remarks show medical. My XXXX report shows an open date of XX/XX/XXXX and it being closed. I have never went by the name XXXX XXXX as that is what is being reported under my social security number in their agency database.
On XX/XX/XXXXXXXX, I wrote a check and and knew there were other transaction were being posted so I logged into my online account to make a transfer, I notice I had {$320.00} ... in the account, I transferred {$1500.00}. Noticed bellow, the account was not credited until the following day, this also happened the previous week, XX/XX/XXXX, identically. XX/XX/XXXX Online Transfer from XXXX ... XXXX transaction # : XXXX Account transfer {$1500.00} {$1000.00} XX/XX/XXXX INSUFFICIENT FUNDS FEE FOR A {$50.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX Fee {$34.00} {$480.00} INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$150.00} Fee {$34.00} {$440.00} INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$500.00} Fee {$34.00} {$410.00} XXXX XXXXXXXX XXXX XXXX CA XXXX Debit card transaction {$50.00} {$370.00}
I have several student loans with Nelnet per my account : XXXX that have always been in good standing. In 2016 I relocated and Nelnet did not forward my information to my new location. This resulted in my loans becoming delinquent due to clerical error. When I contact Nelnet to remedy I was explicitly advised verbatim by a Nelnet representative that if I opted in to a forbearance of my loans they would not be reported as delinquent to the bureaus, but the drawback to doing this would be that the accrued interest would be amortized as principal on the loan. I agreed to these terms and the forbearance. Instead of this occurring my loans were still reported as delinquent AND the interest accrued was amortized into principal. I was explicitly lied to and coerced into a forbearance when I simply would have brought the loans current if I was n't erroneously informed credit reporting would not be affected. I have contacted Nelnet over a dozen times by telephone, e-mail, secure messages through their online portal, and written letter requesting that they either update my loans to reflect current as the former representative told me they would be, or to undo the amortization of interest into principal. At this time, and nearly a year 's worth of correspondence they have declined to do either. I feel reporting this to the CFPB is the last step I can take in good faith before being forced to pursue litigation.
For over 10 years, I have had a credit card under the name Teamster Privilege Credit card. This card has been managed for at least five years by Capital One. In XX/XX/XXXX, I received notice of some changes surrounding the use of the card in  regards to credit terms etc. When I attempted to make my payment as usual through the website, I received a message that I would need to re-register. This is a first as I have been making online payments without issue for years. After several unsuccessful attempts to complete the online registration, I called customer service to inquire. I was advised that due to my account being closed ( It has been closed for some time without issue ), I would not be able to register and that I have one of several cumbersome choices in regards to making my payment. I can ( 1 ) write a check, ( 2 ) get a money order, or ( 3 ) call customer service each and every month to make my payment over the phone. Essentially, I no longer have the option to view and pay my balance on line. Is it even legally compliant that I do n't have access to view and manage my account electronically? I spoke to several different people during the course of one day, including a supervisor, who confirmed this.
I am filing a complaint against XXXX XXXX XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
I have been disputing an account on my credit file, and although multiple FCRA violations have been clearly committed, this file remains on my credit report. I have contacted Equifax numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XXXX-XXXX  against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Equifax has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Equifax to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Equifax is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP
I have been a home owner for the last 4 years and I have ALWAYS paid my mortgage payments on time and I have NEVER missed the payment deadlines. 

As always, on XX/XX/2018, i went to 'Freedom Mortgage ' website and I made my payment by entering my name and my bank routing number and checking account number. I hit confirm and the system took me to the next page and said 'Your Payment Is Scheduled ' and it also provided me a confirmation number for the payment. This clearly seemed like the payment process was completed as the system itself confirmed it with a confirmation number. 

However, on XX/XX/2018, i received a call from Freedom Mortgage informing me that the payment was not successful due to technical issues and they asked me to provide my bank routing and account number again, which i did and completed the payment for XX/XX/2018. I asked them what the technical issue was but they were not able to explain me the exact reasons for the payment not going through. 

Freedom mortgage has technical issues with their systems as it confirmed to me that the payment went through but now they blame me for being late. 

I am in no way responsible for this late payment as I duly made my payment and their system provided me a confirmation number as well. I have never been late with my mortgage payments in my entire life. 

I have now been reported to Credit Bureaus as late causing my credit to fall by about 80 points, for ABSOLUTELY NO FAULT OF MINE. 

I request you to kindly investigate this matter and order Freedom Mortgage to fix my XX/XX/2018 payment issue and have them work with the credit bureaus to correct my XX/XX/2018 payment as NOT late. 

Thank You XXXX XXXX XXXX
I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money. 
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part.
Fraud inquiries as follows XXXX  XX/XX/2019XXXXXX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 andXX/XX/2019XXXX XXXX XXXX XXXXXX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
The company holding my debt served my father, at an address that I did not live at. I was unaware of the lawsuit and failed to attend the hearing. I was assessed an additional 25 %. I tried to talk to the company, but was told that my time to contest the lawsuit had passed ( even though I was never informed of the lawsuit ). 

I have been paying monthly ever since I was notified of the judgment, and do not get any kind of statement. Nothing that shows how much I paid that month, nothing that shows how my payment is applied, nothing that shows how much I still owe, and nothing that shows how much interest they are assessing!
My Escrow had paid my property taxes on my behalf, though they had collected more than needed ( Due to my tax abatement for XXXX Veterans ) after which I have a balance of {$960.00} I had waited for the disbursement to be mailed to me as communicated on their webpage ( File : XXXX - Escrow Guidance ), no luck waiting. 
after waiting this period I have reached out to customer service via their webform, and received an automated message that they received my request ( XX/XX/18 ). I still have not received a reply ( As of XX/XX/18 ).
I have the following issues with AES, the servicer of the student loans : 1 ) AES failed to provide information about how I, as the co-signer, could be removed from the loan and when questioned, I was told that I no longer qualified because the primary borrower had failed to meet the requirement of making XXXX on-time payments due a hardship forbearance he received. I was not told if I was barred for the life of the loan or if there was a reset period. 2 ) Also, AES failed to provide the information about how the account could be rehabilitated and negative reporting removed. They were not able to provide me with a contact that could provide this information. I was told to call the lender, National Collegiate Trust, who then told me these decisions were made by AES. 3 ) In addition, despite me filing fraud claim with AES against the primary borrower regarding these loans, AES reported a 30-day delinquency on my credit report. 4 ) Finally, the delinquent account was turned over to a collection agency by AES, but I never received any written correspondence from the collection agency prior to the delinquency being reported to the credit bureau because the collection agency was given an outdated address. My account is set for me to receive paper correspondence.