WillisBack/dataset-financial-user-claim huggingface dataset:
The issue I have with my student loan processor, Navient, is that they black listed my bank account and I am unable to enroll in auto-pay or make payments from my new checking account. I have repeatedly called Navient customer service to resolve this issue with the sole result of being completely ignored and without any followup. I have gone so far as to have my bank fax a form confirming the routing number, account number, my name and my Navient account number to Navient with no successful resolution. 

Here 's the details : In early XX/XX/XXXX, between XX/XX/XXXX and XX/XX/XXXX, I moved my personal checking account to a new bank ( XXXX XXXX XXXX ). Shortly thereafter logged into Navient to set up Auto-pay with the new bank account info. 

The following month I received an email from Navient stating may payment was passed due. I called customer service, and was able to make a payment over the phone from my XXXX account to bring the account current, and then try to set up auto-pay again. So after that call I went in to add my XXXX account again for auto-pay. 

A month later I received another payment past-due notice. Again I called customer service to try and resolve this issue. This time the company representative tried set up the auto-pay on her end and was unable to. She received an error stating that " the company received a returned transaction '' from my that combination of routing number and account number, and it was not accepting it anymore. However, The CSR was able to verify that there was an existing transaction on record ( from my previous month 's payment ) from that same bank account. She said she was going to put in a request to investigate the issue and have the company follow up. I never got a response from them or a follow up call. 

At this point the past due statements notices start coming in. I have made 4 additional call in the following 3 months trying to get this resolved. Each time the representative said I had to provide a statement from the bank to validate my bank account, even though they had a valid transaction in their system. 2 weeks ago I asked to speak with a supervisor, who told me she was going to follow up with me within 2 days. Never heard back from her. 

On XX/XX/XXXX, I took off early from work to go my bank and had them fax a form that showed my full name, Routing number, Account number and Navient account number ( for reference ). On XX/XX/XXXX ( today ) I called Navient to follow up on the fax, hoping this would finally resolve the issue. I was told by the CSR ( XXXX ) that although they received the fax, it wasn't a proper letter stating that my account was valid. They would accept a form. When I asked to speak to a manager or superviser, I was left to stay on hold for 30 minutes and then told one was not currently available and the best they could do was have someone call me back later.
I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the XXXX XXXX account to be removed from my account.
XXXX status on my credit report is incorrect. My current status should report paid as agreed. I am in forbearance and no payments are required and no payments are due.
When I was a young XXXX. Sorry, I grew up in the XXXX so my learning curve was a bit higher than those with access to a normal environment, transportation, clothing, school supplies, etc. 
I was n't taught much about college where I grew up. I joined the XXXX when I was XXXX. I realized when I was XXXX that I could actually go to college and growing up less fortunate and in poverty does n't exclude you from college. That was about all I knew. I was still learning how to maintain my finances and everything else adult like. 
When I started looking for colleges I did n't know much about accreditations, etc. I ended up signing up for an expensive school that was for profit. They did their best to push loan after loan on me, then eventually hit me with the, " You ca n't afford school anymore and ca n't get more loans. Can you ask a family member? '' I asked my brother to cosign for me ONLY so I could continue with my schooling to hopefully make something of myself someday. Well years later my interest rates have gone from 1 % to about 9 % and I am in and out of school so these loans hit my credit whenever I am out for a month or more. Each time they drop my credit score drastically, which I am trying to fix ( post bankruptcy ). So this kills my chances of ever being a contributor to my economy, it prevents me from EVER being a homeowner. I ca n't afford to pay the loans as I have more than one, plus I was trying to finish school before paying them off. With my interest going up 8+ % it makes even harder to pay. If I could get my credit up I could refinance and or consolidate, but at this rate I will never be a homeowner. School is meant to be a precursor to the American dream, but our country has turned it into the American Nightmare. 
Granted, I could do better with my finances, but school payments come and go as I am in and out of school. 

My main issue is, why is something that is supposed to go towards improving your life, so often making my life far more difficult. I have been close to having a high enough credit to purchase a home, then school loans hit me. These CAN NOT be claimed on bankruptcy, they are n't good rates anymore. WHY CAN THEY AFFECT MY CREDIT SCORES? They do n't help my credit scores if I pay, but they can sure XXXX hurt them. This does not only apply to me, but also to my brother who was unlucky enough to co-sign for me. 
Our credit system is not in place to help the consumer, it is ONLY in place to help businesses and its complete and utter garbage. If you could fix our credit system and student loans the country would be better off. I am still waiting for something to be pushed through congress to claim school loans on bankruptcy because this is XXXX! My life is being made harder by going through college. 


Please stop allowing school loans to detriment my credit scores. It makes me want to never pay them as what is the benefit if they keep me from purchasing a house my whole XXXX life! And I am expected to pay them for 30 years at affordable rates?!!!!?!??!?!?! 

Please stop allowing school loans to hurt co-signers.
This is a follow-up complaint to CN # XXXX ; which was not my Bankruptcy but the mess from XXXX XXXX problems!?! Due to your help earlier help with this matter I hadn't heard from Real Time Resolutions , Inc. until a few months ago and I have again with this filiing attached the latest correspondences! I hope you have the information on the US State Departments Ruling against XXXX XXXX XXXX and all the other Financial Institutions. I spoke with XXXX XXXX XXXX a couple of years ago, now, and they told me I was going to receive a letter as was on the internet on that Settlement where XXXX agreed to " Forgive the Illegal HELOC Loans '' from XXXX that XXXX took over! I even had a family member that got one of the letters and they were posted on the internet of which I tried to make a copy of one of them, but couldn't get it to print! So, I know it exisited!?! Also, if you look back at my original filing on this matter, I never approved this HELOC, if fact I thought I had refused it all together, as the documents had many pages of questionable changes, modifications, and pages I never saw or signed or had the opportunity to Refuse under the Federal Guidelines of all Mortgage Loans!?! I was going to noted that also I still have not ever gotten one reply to how they ever have come up with the total amount they claim is owed on this Loan either!?!
This collection agency never contacted me about this debt. The only way I found out about the debt is when I happened to check my credit report. I tried repeatedly calling this company after finding their information on my credit report, they never answered their phone. They 're recording told me to call back during business hours and I was calling during their business hours. I sent them regular US mail to their PO Box and received no answer or reply. Finally on XXXX/XXXX/2015 I sent them a registered letter asking for information on the debt. As of today 's date XXXX/XXXX/2015 I have received no reply from them.
Terrible customer service, especially by XXXX XXXX and XXXX XXXX. 

Applied for pre-approval on a mortgage for a new house and cash-out refinancing on our existing house in order to fund the new property 's down payment. Citi 's feedback ( entirely reasonable ) was that we needed to show more assets sufficient to cover payments during the " double carry '' period when both loans would be in effect. Thus ensued over two months of discussions about how to meet the reserve requirement. Citi 's representatives were extremely slow to respond throughout the process. Once we finally came up with a structure that solved the reserve requirement problem -- again, after over two months of discussions -- Citi 's mortgage broker announced that our income was insufficient to qualify for both mortgages at once. ( Not insufficient for either loan, mind you. Just insufficient to qualify for the few months when both loans would be payable. ) She further had the gall to state that she had told me about their income guidelines from the start ; not one email in the first ten weeks says any such thing. 

Citi is entitled, of course, to create whatever underwriting guidelines they choose -- sensible or no. But it is a bit much to be led along for months on end like this. Citi had enough information about our income and borrowing request that they could have denied us within days or hours of receiving our application. Instead, they wasted our time haggling over a reserve requirement that ( according to what they now say ) could never have made a bit of difference from the start.
Ditech took over servicing from Greentree. They did a refi under Harp on my loan # XXXX on XXXX XXXX. On XXXX XXXX they debited my escrow account for the balance owed to me ( {$2000.00} ) because the new loan did not require an escrow. The payment never arrived and during two weeks they kept saying that the check was in the mail and finally XX/XX/XXXX they said that it was probably lost and that I should wait 30 days from XXXX XXXX to request a replacement check.. which I did on XXXX XXXX. At the time they did not say that they had not mailed any of the refi related checks because " the other Company '' did not print them. I found this out after ward on XXXX XXXX when I spoke to a supervisor and asked about the status of ny refund. She told me about the mess and that they were working on the checks that should have been issued in XX/XX/XXXX and that mine would not be reissued until Saturday XXXX XXXX Bottom line : They lied to me and everybody else for three weeks XX/XX/XXXX Did not issue escrow balance refund checks as per closing agreement. 
I told them that I want my check delivered to me not later than Friday, XXXX XXXX. 
Conclusion : Their " error '' can not be justified. I need my money. 
Thank you for your assistance. You helped me before when the Company was " Greentree ''. I believe that they are just as bad. Their customer service letters arrive unsigned within two weeks acknowledging receipt of my complaint and stating that " they are working on it '' Thank you once again!!!!!!!!!!!!!! 

Note : This incident did not happen during the application process, the loan closed normally on XXXX XXXX, 2016. I could not find any of the choices that you offered on your website suitable for this problem.
wells fargo states that I own them XXXX buts thers is no record of it.
I was purchased marketing & promotional Services from XXXX XXXX aka XXXX  he put my song on XXXX for XXXX which was not the deal his services are SCAM not correct. He says to bad no refunds I called PayPal over 7 times & Filed a Dispute almost 30days later they file it in the Scam sellers Favor
My LPMI was not removed by my home mortgage lender, Stearns Lending, even after I submitted a written request when my LTV was under 80 %. My LTV is now under 78 % and they still have not removed my LPMI. 

On XX/XX/XXXX, I mailed a written request to Stearns Lending requesting that my LPMI be removed. My LTV for my 15 year mortgage had fallen below 80 % on XX/XX/XXXX. I also emailed Stearns Lending through their website. I received no response to any communications. 

On XX/XX/XXXX, my loan fell below 78 % LTV. However, the LPMI was not removed automatically. Nor was it removed on XX/XX/XXXX. 

I have not missed or been late on any payments and my account is on auto-pay.
This company Spears Dewitt and Hall keep calling me about a debt I do not owe. They call me from several different numbers. They state the debt is from 2009 for an apartment complex. I asked them to send me information of this debt they say I owe from 7 years ago and they want send me any information. They keep calling everyday stating they need me to pay over the phone. I pulled my credit report several times over that 7yr time frame and that debt they say I owe was not listed. I needed them to stop calling me repeatedly. And making threaten statements to me about taking me to court or garnishing my wages.
I have ask this company to sent me a detailed bill. Never received the bill, so I called again and they had sent it to the wrong address. Rep was rude over the phone. I called back to speak with her supervisor and she was on break. on a later date I called back again and gave them a correct address, its been a month and I still did n't receive the detailed bill. Got a call from my rep and she was rude and improper about the situation again. I had to hang up on her.
I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the government and Office of Personnel Management ( OPM ) had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/2015. I was an employee that was effected and OPM sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,
They call constant. If I fall one day behind they call 10 times a day. If I block the number they call from numbers that are fake. I have teue caller so it shows both the real and fake number. Im tired of them calling somany times a day. They say its just a reminder but after XXXX voicemails a day its a little extreme.
On XX/XX/XXXX I had a hose break under my dishwasher while we were gone and cause water damage to my home. I called my insurance company and reported the damage the following day. After waiting 22 days, XXXX XXXX XXXX sent me a check for the repairs of my home, for {$8100.00} which I received on XX/XX/XXXX. After being in constant touch with Pennymac, since the date of the flood, I had all of my required paperwork submitted and received by PennyMac. Upon receiving the check for repairs, I called Pennymac to find out what their procedures were with regards to me mailing them the check so that it could then be sent to my contractor. Per instructions, I overnighted it along with a prepaid overnight envelope for return. 
Upon verification that Pennymac had received the check, I called to remind them that per the signed contract submitted by my contractor, he was requiring 50 % down. 
The signed contract had been submitted on XX/XX/XXXX. Pennymacs own website states that it can take UP TO 3 business days to process documents. However, upon realizing that they had missed this, on the XX/XX/XXXX, they rejected the signed contract on the XX/XX/XXXX they rejected my contractors business license. Then they decided to send his XXXX to the IRS for proof of identification. On Monday, the XX/XX/XXXX, I was told his XXXX was being held up because it did n't have his home address. This was corrected and uploaded, and today I was told that his XXXX needed to have both company and personal address. 
Let me add that my home is in forbearance and potentionally refinancing. When I informed Pennymac that from hence forth, all calls were going to be recorded by me, I was flat out told that Pennymac forbids recorded phone calls and I was then told " your home is in foreclosure, so what does it matter ''. When I informed them it was unlawful to move a home into foreclosure without informing the buyers, and to XXXX how well that worked out for XXXX XXXX, a Pennymac spokesperson called me back and assured me that there had been a mistake ; my home was not in foreclosure. In the mean time I have been without a sink, a single cabinet or floor in my kitchen and my basement remains gutted.
I have a Home Equity Line of Credit with Chase. After I completed a loan modification with my mortgage in 2011, Chase tried to coerce me to do a loan modification on my loan with them. I refused because of the low interest rate. They then repeatedly called me to say I was late or had missed a payment, I knew I had not and when I asked them to indicate when I had been late or missed a payment they were never able to confirm that I was. After reporting to the credit agencies that I had been late 5 times on my monthly payments they forced through a loan modification without my approval and added well over {$2000.00} in fees to the loan.
XX/XX/XXXX I, XXXX XXXX, mailed a letter to XXXX XXXX XXXX stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from XXXX XXXX XXXX. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.
Real Time Solutions reported on our credit that we were in default of a loan from XXXX 2012 in the amount of {$45000.00}. We have never done business with this company ; we have never received any type of correspondence nor have they ever tried to contact us. This is an erroneous report on our credit from a company we have never even heard about.
Since 2010, I have been applying for homeowner assistance with my mortgage loan and my lender has been unwilling to assist, providing me with only canned decline responses after taking an inordinate amount of time to complete the review process. The initial review took over one year, and the most recent over six months. The bank seems determined to foreclose on my home and, therefore, has made no sincere effort to provide any assistance that would allow me to remain in my home, actively pursuing foreclosure the entire time.
The company, Lexis/Nexis, XXXX XXXX XXXX XXXX, WI XXXX  has a renewal Notification dated XX/XX/XXXX report that shows my homeowner insurance policy with XXXX, # XXXX XXXX, policy from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX XXXX NV XXXX  WITHOUT earthquake insurance with a premium amount of {$800.00}. XXXX ( XXXX ) has this same total WITH earthquake insurance which I pay for in this total. Despite many written requests Lexis/Nexis has not replied to me or corrected this error. Help!!!
XXXX XXXX XXXX XXXX ps ... the actual postcard from Lexis/Nexis was addressed to XXXX XXXX XXXX  at the address above.
My daughter attended XXXX College in Florida. We applied for the XXXX XXXX and we were offer XXXX Loans the principal bal was {$5300.00}. I am presently paying XXXX monthly here is another company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a loan there principal balance is {$5900.00} which is about the same amount I am paying XXXX Loan. The loan that XXXX XXXX XXXX XXXX is trying to collect is the same loan I am paying XXXX Loan. I was told by XXXX of the financial aid rep. they had sold the loan. This is the company that is trying collect. What can be done to rectify this matter. I only obtained approximately {$5000.00} worth XXXX loans for the short time I attended XXXX. The company that is trying to collect this loan Coast Professional , Inc., The XXXX XXXX XXXX XXXX. My contact information is XXXXXXXXXXXX or XXXX, I look forward to hearing from you.
VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX
Misleading and deceptive practices by US Bank regarding 0 % interest balance transfers. I was offered a 0 % balance transfer and told, after explicit questioning, that I would not be subject to any interest charges if I paid the monthly new purchase amount plus the minimum payment amount. However, even though I complied with what I was told by their representative, US Bank started charging me interest on the new purchases amount. They may hide this information in their fine print, but they mislead consumers in what they actually tell them regarding their balance transfer offers. Their claim of a 0 % interest balance transfer is misleading and deceptive because what they do not tell consumers is that you can not avoid interest charges unless you discontinue use of the card. US Bank did apparently remove the interest charges and I have discontinued use of the card, but my complaint is again, their misleading and deceptive practices. I initially started my complaint with US Bank in XXXX 2015 after discovering they were charging me interest for the first XXXX months following the balance transfer.
attached is proof of this account being delete please follow suit and delete this account as well i formally request that the following inaccurate item be immediately remove from my credit report they must be removed in order to show my true credit history as this item should not be on my credit report. HERE IS A COPY OF XXXX UPDATED CREDIT REPORT DATED XXXX XXXX 2017 THEIR FINDINGS AND PROOF OF THEIR REMOVAL OF THIS ITEM PURSUANT TO THE FAIR CREDIT REPORTING ACT I EXPECT YOU TO COMPLETE THE REMOVAL WITH 30 DAYS please send me my updated report as soon as your investigation is complete thanks in advance XXXX XXXX
Currently have an Administrative Wage Garnishment in effect that is 25 % of my biweekly pay. This went into effect without knowledge of a summons. Contacted Alaska Commission on Post Secondary Education ( ACPE ) about the issue, and was told that they were able to proceed even without my presence or knowledge. Attempted to negotiate a payment plan, but was declined. ACPE told me the only way the garnishment would be lifted is if paid in full. Their other alternative was filing for a reduction from 25 % to 15 %. Filed the proper paper work and was denied even that. I am in a place where I can pay affordable monthly payments, but want an option that wo n't keep damaging my credit. The XXXX on my credit has had a negative ripple effect on more and more as time passes. I am trying to be proactive with my finances, but ACPE has put me in a stranglehold from moving forward. I have called ACPE countless times on my options, and all I get is the same thing back. I can not believe there are no relief alternatives. No options after the administrative wage garnishment is in effect. After half a year of payments, no options.
I sent a document to obtain a free credit report. I sent Id, SS Number and evidence of residency.     The file not returned because not send the previously information.
XXXX XXXX reported on my trans union XXXX and XXXX credit reports, XXXX also sold the account to XXXX XXXX XXXX reports and called them selves a credit collector/Attorney when they were not. Than XXXX Filed Suit in XXXX Washington to further Harass and embarrass me. This is a clear violation of the FDCPA section XXXX regarding deceptive practices by a collector. 

XXXX XXXX reported to the credit unions XXXX when the balance was only XXXX, XXXX dollars more the original debt another violation of the FDCPA XXXX XXXX has created deceptive transactions design to harass and embarrass and humiliate me.