WillisBack/dataset-financial-user-claim huggingface dataset:
Since XXXX XXXX, I have been making monthly {$120.00} payments on student loans owed to XXXX XXXX XXXX that were sent to Williams & Fudge Inc. for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XXXX Recent balance {$6900.00} as of XXXX/XXXX/XXXX {$800.00} past due as of XXXX XXXX 2. Opened XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX {$710.00} past due as of XXXX XXXX. 
3. Opened XXXX Recent balance {$9100.00} as of XXXX/XXXX/XXXX {$1000.00} past due as of XXXX XXXX I have contacted Williams & Fudge on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XXXX/XXXX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method On XXXX/XXXX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. Williams & Fudge has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.
The company stated I violated section 15 ( d ) which simply states the card can't be misused. I was only using the card as intended, receiving payments from peers, withdrawing cash, making purchases, and paying bills. I did get a few more payments than average, but that was from selling bitcoin from my personal investment. 
Anyway the company said they were closing my account and sending me a check. I did call them and they said there was nothing they could do. Some accounts just need to be closed because the cost of compliance is expensive. 

I have yet to receive a check. I would like one mailed ASAP Thanks
Navient can be summed up in a few words. Greedy and unhelpful. I currently make a majority of my payments and Navient has terrible customer service. For someone who is in sales, this is not how you treat customers. 

1. Constant calls to me and my co-singer ( Mother/Father ) for no reason and you do n't leave a message. Not to mention you come up blocked. 
2. Every time there is an issue you could call someone and then call back and get a completely different answer. No communication, I have had more frustrating calls then satisfied calls. 
3. Income-Based Repayment plan is absurd. You only take my salary into account, not any other debt ( living/bills/car payment/federal loans. That takes up more than XXXX my paycheck. Living expenses like eating and gym memebership. Gas and commute money ... All factor into my income. 
4. This is the most sensitive one. My parents are on the verge of retiring and are co-signers on my loans. I was told by multiple Navient employees that if I made " Two full years of payments '' my parents could be requested to come off the loan. I came thru on my part making 24 months of payments ( around {$850.00} ) a month. I was excited so I told my parents and they were ecstatic because they want to refinance and sell their house. But nope this company denies my request after I clearly met all the requirements. Because I owe them too much ... Mind you I just got a 25 % pay increase last year. They are impossible to work with. 
5. They never ever contact me to tell me I must submit a new XXXX tax form to see how much I made, putting my loans into late payment and causing interest to build. 
6. Some of my interest rates are 10 %, 11 %, and 12 %. How am I supposed to pay them back quickly with that rate? 

In conclusion I am just done with this company and am looking to refinance my loans with a private bank. I do n't mind paying for my debt knowing I got a great education. Why am I being punished or bettering myself with higher education? America needs a wake up call. Imagine if all of my fellow slaves to Navient could contribute the {$1000.00} a month we pay in Student Loans, imagine the boom in our economy. I would like to file a lawsuit against this company for negligence. They have failed to help me get a handle on this debt.
I, XXXX XXXX am a permanent resident here in the U.S. and have been using www.transfast.com for sending money to XXXX for past 6 months. This time I initiated a transfer with this company on XXXX @ XXXX PST for {$3300.00} and eta to remit this money was 3 business days as per the website i.e by XXXX. Transfast debited my bank account for {$3300.00} on XXXX and till XXXX i.e. even after the XXXX there was no communication from them. 
Finally on XXXX @ XXXX PST i.e. Thu night, an analyst ( XXXX XXXX XXXX XXXX ) sends a mail asking for additional documents like US ID, passport etc. to complete the transfer. It was frustrating to realize that my money is still not begun its journey and almost after a week Transfast is asking for additional documents. I decided not to do business with this company because even if I send the documents, I will get the money only after XXXX i.e. next Monday. Therefore I informed Ivee to cancel this transaction ( XXXX ) and send me the refund. She asked me to write a mail to XXXXXXXXXXXX which I did on XXXX @ XXXX XXXX and requested them to call me and provide eta of my refund. Because, I am in a situation now where I need at least XXXX XXXX XXXX ( XXXX. approx USD XXXX ) in my bank on XXXX and I am not sure if this transaction will be completed by next Monday. Also since XXXX is XXXX hrs ahead of US time their day will be over before US starts work. 
To avoid this situation I had to borrow this money from my friend in XXXX and will return him back when I get my money. 

Therefore next day i.e. today morning ( XXXX ) I called Transfast helpline no. XXXX and on first attempt I waited for XXXX minutes on call since I was XXXX in line and when my turn came, before someone could talk to my line got disconnected. Again I dialed, XXXX in queue this time and spoke to their call center executive XXXX. I explained him the situation and asked XXXX things 1. When will I get my money back in my bank account 2. Why my account was debited first if there was problem with my documents. XXXX informed me that it will 3 to 5 business days to get my money ( i.e. XXXX to XXXX ) and that money was debited because their ACH team does that process irrespective of the fact whether customer has provided the documents or not. Thereafter I spoke to XXXX the customer center manager but she was adamant not to listen my problem, but insisting me to wait and follow the process. I think the Transfast process has BIG FLAW and they are using customers money and making huge profits because of currency fluctuations of dollar vs XXXX. 
I request CFPB to look at my case and penalize Transfast as much as possible. 

My complaint against Transfast.com is to compensate me for this embarrassing situation and return my money asap. Because they should have -1. Not accepted my request if they wanted more documents2. Not taken money from bank account if I was not compliant as per their policy3. Informed me on XXXX or XXXX itself that I am not compliant to transfer moneyKindly help. 

ThanksXXXX XXXX
Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
I have filed for Bankruptcy- and did what my lawyer said to let them know, since I told them I get called no stop all day and night from XXXX XXXX and Chase- Starts at XXXX and goes on all day. Even on Sunday When i do talk to them they said we can work out a payment plan but I tell them I have no job and no money thats why Im filing-then they tell me you can be put in jail and loose all rights, its got me so upset,
forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise
This was in XX/XX/2007 I put {$130000.00} into my checking account then maybe a couple months went by the bank called me want me to come in and talk to them so we went in and talk to one of our agents and she looked at my wife and sister home equity home loans my wife said no then she looked at me and said this is the best thing for you guys right now now our payments starting to get {$130.00} now it's up to {$440.00} which I can't afford to pay because I have several medical bills and I'm just having trouble paying them so I hope you can help me in someway thank you
I am submitting a complaint about my student loan .I have received letters informing me that NELNET is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. Nelnet send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
In XXXX of XXXX I received a new credit card from Bank of America with an offer of a balance transfer for 0 % transaction fees and 0 % interest for 15 months. On XXXX XXXX I called and talked to a XXXX XXXX # XXXX and ask her if they would do a direct deposit into my account for the 0 % fee and 0 % apr. She then spoke to her manager XXXX XXXX and he approved this transaction. XXXX XXXX XXXX On XXXX.XXXXth when the billing statement came out I had been charged a transaction fee plus XXXX % interest. I called XXXX XXXX back multiple times and left messages, he never returned my calls. 

On XXXX. XXXX,XXXX I called and spoke to a XXXX who transfered me to her manager XXXX XXXX. XXXX He said per the notes on the account he would correct the problem and it would reflect on the XXXX billing statement. 

XXXX.XXXX,XXXX Billing statement did not show any change. 

XXXX.XXXX,XXXX Talked to a XXXX XXXX form XXXX , Pa.. XXXX spoke with her manager XXXX XXXX XXXX who said she would correct the problem within 7-10 business days and call me back. I did not hear from her and she has not returned any phone calls and my last message was that if I did not hear from her I was going to seek help from the Consumer Protection Bureau.
As of XXXX.XXXX,XXXX I have not heard from her and am seeking help from you. 

Thank you for your help.
I took a small {$800.00} loan out with XXXX  on XX/XX/2017 ; I asked that the re-payments be made in three equal installments, after the first discounted installment. The first payment was taken out on XX/XX/17 in the amount of {$100.00} ( 1 payment ) and they have taken subsequent payments every two weeks in the amount of {$200.00} ( 4 payments ) which equals {$910.00}. I called in and asked why they were taking that amount out and was told to " look at your contract '' which I did and it showed the interest rate in excess of 651 %! I was livid and I told them to go back and LISTEN to the recording where I requested my payments be made in 3 equal payments. They did not. I finally called again today and was told the payoff ( with their discount ) was {$870.00} and change. I asked why after they had taken out over {$900.00} on an {$800.00} principal amount was it still in excess of {$800.00}!! I was told it was " interest ''. I told them to remove my name and that I would be filing a complaint. I was told to go ahead.
I received 2 phone calls today from a Robo-dialer and returned the call to a company called Dynamic Recovery Solutions. They claimed I owed a debt of {$130.00} from account XXXX which was opened in XX/XX/XXXX and payments were made until XX/XX/XXXX. 
Firstly, I never had an account with XXXX or the wireless companies they acquired. Secondly, this debt is far outside the statute of limitations.
I had started the loan process with Amerisave after XXXX could not accept us trying to buy a stateside house while living and working overseas. We had gone through all the motions and was told that we would have to claim the house as a XXXX home which was not an issue. All documentation had been submitted and underwriting is being completely difficult. My wife and I are residents of Ohio. I enlisted in the XXXX XXXX in XXXX XXXX. I got out in XXXX XXXX. I currently work for XXXX out in XXXX, XXXX and my wife is a XXXX. Her job covers the housing and technically we do not pay rent out of pocket. I 'm not sure what is so hard to understand about that. That 's not the real issue though. It came about that the underwriter can not accept my Ohio address as a real address. I do NOT understand why, I lived there for 10+ years even before going into the military. They ca n't give me a clear explanation as to why they will not accept it. I have claimed Ohio State taxes for multiple years at the same address. It is frustrating that I 've paid the appraisal fee and not I 'm hanging on a limb wondering why an address can not be accepted to start closing the loan. Upsetting.
I have contacted this company United Resource Systems Account # XXXX a Debt collector To remove the COMMENT on credit report ( Account information disputed by consumer ) They do n't want XXXX to remove that comment even though the investigation is over.
The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened  XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.
Synchrony Bank has for the XXXX time placed a late fee on our account, stating that the account # for our bank is incorrect and they were not able to apply the funds. 
We contacted our bank who verified that the account number was in fact right and thatthey had no excuse for not processing the payment. We get the run around from Synchrony bank, who seems to have a horrible reputation with customers. This bank is predatory and no longer should be able to feed off the citizens of this country.
The fact that Equifax is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX and XXXX removed ALL fraud accounts, but Equifax started the '' dispute " process. The 4 Companies are XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that Equifax still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all  want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to Equifax.
I am reviewing my credit report for errors. It says I have a late payment on a student loan and it is incorrect. The report says 60 days later in XXXX. I dispute this information. I request that it is removed. 

Account Number - XXXX XXXX Account Name - WELLS FARGO EDUCATIO AES/WLLSFRGO Account Condition - Closed Closed Payment - Paid Paid Account Balance {$0.00} {$0.00} Balance Date - XXXX XXXX High Balance - {$5500.00} {$5500.00}
Introduction Im writing this letter regarding an account on my credit report that I desperately need to get resolved. Im looking to either have this account fully removed or updated according to factual data. To date, I have been unable to completely resolve this situation. This situation has the attention of the Federal Government and I only have a short period time to resolve. 

Situation On XX/XX/XXXXI purchased a XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. This purchase for the sole purpose of a commuter car to save money on gas. The original purchase price of the car was XXXX and paid a monthly note of XXXX. My car note was paid every month on time and was never ever late. After 7  months of on time payments, I was involved in a rear end collision ( no fault of my own ) which totaled the vehicle and sent me to the hospital with all types of XXXX and XXXX bills to pay in the future. The accident was considered a non-contest and the drive of the other vehicle was cited and his insurance company was required to pay all my medical bills and time off work. My insurance company totaled the vehicle and paid Car Credit Finance arpx 2,800.00 due to the blue book value of the car. I did not have gap insurance therefore I was left with a difference/balance on the vehicle. Within a matter of days, Car Credit Finance reported my account to the credit bureau and a repossession. Since the vehicle was reported as a repossession, I was not allowed to make payments toward the account. What I did not understand is how can my vehicle be repoed and Ive never ever been late on a payment. I tried to resolve this situation several times with Car Credit Finance. I even agreed to a payment plan with Car Credit Finance. The company accepted my 250 payment however, to date the account balance still remains the same. I grew tired to trying to deal with the finance company and decided to resolve this situation through the credit bureau. I decided to dispute the account with XXXX XXXX and XXXX. Once I disputed the account, Car Credit Finance was forced to change the status of my account from repossession to Late/Charge-off/Seriously past due. This status is still incorrect. This account would have been paid off if I were allowed to continue to make on time payments. My frustration currently is the account is still being reported incorrectly. I was never late on this account and my status should reflect accurate data. At this point, all I want to do is clear my good name and regain my credit worthiness the honest way. This is an injustice and just another example of how these big finance companies prey on the day to day hard working citizen. 



Closing : Please let me know what my next steps are to resolve this situation. My charter has been assassinated and my ability to get credit has been severely impacted due to negligence on Car Credit Finance part. I would like to expose this type of scammer to help other hard-working citizens in America.