WillisBack/dataset-financial-user-claim huggingface dataset:
Summary : Submitted a {$500.00} payment that was cashed by Navient but not applied to my loan. I tried calling, I tried chat, and I tried sending a letter. Navient has not addressed the problem. 

Details ( this is actual text ( " copy and paste '' ) that was printed and sent via USPS to Navient, which Navient has not responded to early XX/XX/XXXX ). : -- -- -- -- -- -- -- -- -- -- -- -- Late XX/XX/XXXX, I submitted a payment that was deposited by Navient on or about XX/XX/XXXX to loan ID XXXX, belonging to me, XXXX XXXX. But the payment was not actually applied to my account ( XXXX ). They payment was serviced by XXXX. 

This payment was not applied to that loan, nor any other loan of mine. The check was deposited. The canceled deposited check is included in this package.. 

Please apply the {$500.00} payment to loan ID XXXX. 

If you have any questions, please contact me via email ( XXXX ), phone ( XXXX ), or a secure message via the Navient web interface. 

-- -- -- -- -- -- -- -- -- -- -- --
Last year I was out of work due to XXXX. I fell two months behind on my rent. XX/XX/XXXX, I sent in a payment that was returned on XX/XX/XXXX. This caused my account to be over 90 days late. I contacted my loan servicer, Planet Home Lending, to discuss this problem. I was transferred to XXXX in their mitigation department. She told me that I needed to set up a payment arrangement. She suggested {$1200.00} per month to which I agreed. She told me that she would have to clear it with her manager. After calling her for over a week, I finally reached her only to be told that the arrangement was denied by her manager. I was also told that foreclosure arrangements had been started. I asked her why was I denied and she told me that I was denied due to not making enough money. I requested a expence sheet, filled it out, submitted it to PLH, and was approved for a payment arrangement for {$1400.00} per month. After two payments, I was given a sell date for my house. At that point, I borrowed money to bring my account current as of XX/XX/XXXX. Now my credit report shows preforeclosure, 120 days late. I have been denied credit opportunities. PLH now say I owe them over {$2700.00} for legal fees.
I received multiple conflicting information from your agents regarding a Clerical withdraw from my account. After an hour and a half on the phone with an agent and her Supervisor, XXXX. He explained that there was a system error on SECU 's end and that it was fixed by an agent withdrawing {$67.00} from my checking out. XXXX first said that somehow I put my mother 's SAVINGS account in the negative to transfer the money into my account, I explained to him that I have been banking with y'all for five years and that this is not possible. SECU does n't even allow savings accounts to be below {$25.00} unless all accounts are closed out. XXXX 's story then changed to my account was credited the {$67.00} but my mother 's savings account was not debited the {$67.00}. I asked how could this happen, XXXX did n't have a straight answer for that. I should mention that this began with debiting my mother 's account {$67.00}, crediting the amount back, then debiting the account again. These XXXX transactions are visible on my account but only XXXX debit and XXXX credit is visible on her account. I was why was n't a notified of this immediately when they took the money out of my account, XXXX 's exact words were " SECU has over XXXX XXXX customers. I do n't think they have time to notify every single customer ''. So now I 'm to think that my accounts do n't matter in the large picture. XXXX was really unsympathetic and had no empathy at all, the error came from SECU 's end and I was made to feel like it was my fault! The agent before XXXX even mentioned " well you only get XXXX transfer a month you know ''. I did not ask for that information and it was the way it was said. There was not XXXX apology during the entire hour and a half. I am extremely displeased with this whole situation and the customer service. I wish I had gone with a larger bank. I thought having a SECU account would give me a more personal experience but wow I was very wrong. I still really do n't understand why the {$67.00} was withdrawn from my account. When I asked XXXX if this issue could be escalated to Corporate, he said " well you can call back Monday and talk to my manager '', I said " XXXX, so you 're telling me that you ca n't escalate this to corporate? ", XXXX then said he could send an e-mail to them. Then had the audacity to ask me what do I want the e-mail to be about in a very condescending tone. I started to just hang up at that point but I told him that I wanted everything that happened put in the e-mail. I have no idea what he actually put in the e-mail or if he actually sent one. I really ca n't believe that this is the level of customer service I received from a SUPERVISOR. It 's not exactly a good feeling when your bank makes an error, manually withdraws money out of your account without any notification, then does n't take any responsibility for the error and does n't apologize at all. This experience has left me with anticipation to move back to college in the Fall and cancel all of my accounts with this bank.
IN XXXX OF 2017 I DISPUTED THE ACCURACY OF THE BELOW ACCOUNT WITH XXXX, XXXX AND EXPERIAN. AS SEVERAL THINGS ARE INCORRECT. XXXX AND XXXX   DELETED THIS ACCOUNT FROM MY CREDIT REPORT, BUT EXPERIAN REFUSES TO REMOVE IT. I DO NOT AGREE WITH THIS, AND WOULD LIKE IT REMOVED. 
- Balance {$4900.00} Balance Updated XX/XX/2017 Original Balance {$23000.00}
XXXX XXXX XXXX XXXX reported incorrect payment history on my account. XXXX 2013 payment was not 30 days late. need payment history verified.
I have been unable to get any answers, for months, from Mr. Cooper as to why they have not applied my mortgage payments to my loan after a Chapter XXXX hardship discharge. I have never missed a mortgage payment. I have received threatening letters of foreclosure if the current amount of {$5300.00} is not received in full which has caused much anxiety and many sleepless nights. I continue to get the runaround from Mr. Cooper as my loan specialist, XXXX XXXX, acknowledges this is an issue within the bankruptcy department but yet is unable to answer any of my questions. Again, I have been trying to get answers for months but to no avail. 

Looking over the accounting from Mr. Cooper of posted payments, there is a holding of {$7300.00} on XX/XX/XXXX in unapplied funds which is more than enough to cover the said owed amount with a surplus. Mr. Cooper has stopped applying payments to the balance of my loan and have not applied payments correctly throughout Chapter XXXX. Today I received a foreclosure letter from the attorney representing Mr. Cooper. I can not lose my home due to this lenders error or unwillingness to give me requested information. 

Mortgage was current when Chapter XXXX was filed, and I was paying direct.
Upon calculation of our monthly interest we have discovered that we have been over paying XXXX dollars per month. 

Our Original principal was XXXX@5.07800 % compounded monthly. Which is around {$700.00} / month. 

Upon reverse calculation of the monthly payment we have found out that the rate being charged is 5.4 %.
On  XXXX , at  XXXX  our office received a call from Sun loans looking for former employee. I said no such person here, please remove our number. On  XXXX  at  XXXX   XXXX , I notice a missed call from Sun Loans. I call back at  XXXX  and ask again to be removed. The agent replied, if we come across the number again we will ignore it. No, you are reached a local union hall please remove our number. We do not have contact information on the person that you are looking for. Agent repeated themselves. I asked for their supervisor. Supervisor was just as rude, repeated what agent said. I became upset at this point and started cussing. I no longer wanted to hear that they might or might not remove our number. I hung up on them. At  XXXX  the supervisor called back asking to speak with my supervisor. Since I am the office coordinator, I said speaking. I told her that I am on their website lodging a complaint against her. She became very rude and unprofessional. ( which i noted in my complaint ) I hung up on her again.  XXXX  then contacted  XXXX  council office to lodge a complaint against me. Which after a conversation with my peer at this office, we laughed and wished each other a good day. I then lodged another complaint against her on sun loans website and contacted the number listed demanding that she be fired for unprofessional-ism and unfair business practices. There is no reason that our local union hall should continue to be contacted when we have asked repeatedly to be removed from their calling list.
XXXX payments were sent to M & T BANK for XXXX XXXX XXXX BANK on the date of XXXX XXXX, 2015 in the full amount of {$270000.00}. However, M & T BANKXXXX XXXX XXXX BANK did not credit my account ( Account # XXXX ). In fact, M & T BANKXXXX XXXX XXXX BANK did not even have the courtesy to return my instrument. Therefore, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. See attached Exhibits for further details. As a result, M & T BANKXXXX XXXX XXXX BANK is in violation of tax law as well as a few others such as UCC 3-603 ( b ), UCC 3-411 ( b ) & 31 USC 3302. 

As mentioned above, although a payment was made but was refused. According to UCC 3-603 ( b ), a payment refused is still discharged or settled. In addition, according to 31 USC 3302, custodians of money who or officials or agents not complying with subsection ( b ) of this section may be removed from office. 

Furthermore, according UCC 3-411 ( b ), " a bank which refuses to pay a dishonored teller 's check, the person asserting the right to enforce the check is entitled to compensation for expenses and loss of interest resulting from the nonpayment and may recover consequential damages if the obligated bank refuses to pay after receiving notice of particular circumstances giving rise to the damages. ''
I submitted Jet Blue Barclay Mastercard credit application inflight on Jet BlueXX/XX/XXXX I submitted in error, boyfriend wanted one opened in business name, I submitted in my personal name. I called Barclay Credit DepartmentXX/XX/XXXX, XXXX to try and cancel application and they said there was nothing they could do according to supervisor?XX/XX/XXXX! I ask to speak with supervisor and they refused and said there was no one else I could speak with. Gave me PO Box of Barclay. This would not assist me in preventing my application from being processed, therefore requiring me to close account going against my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
COLLECTOR AND ILLINOIS DEPT OF REVENUE ARE VIOLATING FDCPA AND FTC I.D THEFT & CFPB TITLE X. THIS DEBT IS NOT MINE AND BELONGS TO OTHERS XX/XX/XXXX-XX/XX/XXXX AND THE S.O.L. ON THIS DEBT IN INVALID TO COLLECT.
Water came into my kitchen from a broken pipe at XXXX XXXX XXXX XXXX. XXXX, GA XXXX. I share a wall with this townhouse. The address is a foreclosure and XXXX XXXX XXXX is the mortgage holder now. I have been fighting this issue since XXXX 2015. My only contact at XXXX XXXX is XXXX. She has at times been friendly, sometimes hostile but never comes through with a solution. I feel as though I am being ignored. I do n't know if I have mold growing under my linoleum or in the wall. The water continued to come in for a month because there was no way to enter the house and everyone I contacted blamed it on someone else. I hired a plumber who told me it was coming from # XXXX. He could reach into a broken section of their garage and could feel the standing water. Finally the original mortgage company, XXXX XXXX, sent out XXXX men who entered the house and fixed the pipe. On XXXX/XXXX/15 an inspector was at # XXXX. He would not tell me who sent him, but only said they wanted to know what the lady next door ( me ) was complaining about. He said there was a leak in every room and possibly black mold in the sunroom. The roof at # XXXX has been soft for years. The hole in the roof over the sunroom has been there for more than 6 years.
I have been working with Wells Fargo related to an equity line that ballooned XXXX XXXX. Over a year later I was finally able to get Wells Fargo to make payment arrangements with me ( Reference previous CFPB case # XXXX ). After contacting the CFPB I was finally able to get Wells Fargo to make payment arrangements. I began making those payments in XXXX XXXX and I was required to make 3 trial payments - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$300.00}. I made all 3 payments in a timely manner. Then in XXXX XXXX I began making payments of $ XXXX/mo. I was sent a loan agreement in XXXX which I was required to sign. I took issue with language in the document and the credit reporting by Wells Fargo and filed another complaint with the CFPB regarding that matter. In addition I sought legal counsel and retained the services of XXXX XXXX XXXX to review the loan document. I executed/signed that document at my attorney 's office and it was notarized and sent back to Wells Fargo at the address listed on the document. I continued to make payments of $ XXXX/month in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XXXX XXXX, XXXX I received a letter indicating that my agreement was void because I had failed to return the signed document. I immediately contacted XXXX XXXX and left a message for him. I did not hear from him so 2 days later I called again and left another message. My calls were never returned. I was given the name of XXXX XXXX as an internal Wells Fargo contact where I could file a complaint so I attempted to contact XXXX. However, in doing so I reached a person at XXXX XXXX ' number who seemed very helpful. I explained the entire situation to her. She said that she could not find the signed loan document????? She was going to talk with XXXX XXXX and get back to me if there was anything further that I needed to do. I continued to make payments in the amount of {$600.00}. My loan was finally set up online and I was able to see the payments recorded so it seemed that all was fine. However, today I received my check sent to Wells Fargo on XXXX XXXX, XXXX returned with a letter dated XXXX XXXX, XXXX stating that this " check can not be accepted because it is insufficient to pay off the entire balance on the account. '' I have met all of my obligations in this matter. My legal counsel worked with me to fulfill the required signed, notarized document and yet Wells Fargo now is coming back to me as if to begin all over again and continue this as if none of my payments were ever received. I am desperately in need of your assistance. Thank you in advance.
I would like file a complaint against SPS and XXXX. We have been going back and forth with both banks since XXXX 2016 to gain approval for the short sale of our home. We have a qualified buyer willing to pay full asking price for our home and we have yet to hear back from them. They are requesting multiple forms of the same paperwork, dragging their feet and delaying the process. We have done everything on our end to ensure the home does not go into foreclosure by getting any and all requested paperwork in in a timely manner and will be filing a request for mediation to avoid going to foreclosure.
My federal student loans through XXXX XXXX were being serviced through XXXX in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed XXXX XXXX XXXX with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by XXXX that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XXXX in XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted XXXX and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that XXXX placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 XXXX accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being XXXX. XXXX has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
Hunter Warfield is trying to collect {$150.00} for carpet replacement. I have asked Hunter Warfield to abide by the Texas law which states, " The landlord may not charge you for normal wear and tear on the premises and may only charge for actual abnormal damage. '' My use of the carpet did not go beyond normal wear and tear. 

I have disputed the validity of this collection several times, Hunter Warfield was unable to provide any proof such as pictures. The XXXX XXXX no longer owns XXXX XXXX XXXX. 

To this date, the collection remains on my credit report, and Hunter Warfield refuses to delete the account from my credit report, despite several goodwill efforts.
I received a call from Direct Recovery Services. They asked for my social security number and would not tell me what the debt was they were calling about. I do not give this information over the phone. I called back 3 times and without my social security number being verified. I am awaiting verification from them in my e-mail. They were unaware of the original claim and the particulars of what it was for. From my best information, it seems to be a debt about mental counseling, which never happened. I was living at a homeless shelter at the time of their supposed inquiry. I was under XXXX County Health District and never received XXXX XXXX XXXX so this is a totally bogus attempt to rip off the government. Cease and desist would be in order and anyone trying to defraud the government should be rigorously prosecuted. Thank you.
I had an account that was closed in XXXX of 2014 but they have put late pays on my report after the account was closed. I have tried to get the late payments removed by disputing the accuracy with the credit bureaus but haven't had success.
An item that is not mine is reporting on my credit report. I filed a police report and was advised it has been removed. per the attached complaint wit the CFPB. However, this is still on my credit report.
I received a Debit Card from Frost Bank on XX/XX/2018 which I did not request. I contacted Frost Bank and they said an account had been opened on XXXX XX/XX/2018. No funds were deposited. I received a separate letter the same day regarding my request not to authorize and pay overdrafts. Regardless, I do not want/need a bank account or card from Frost Bank. A scan of both letters are attached ( XXXX XXXX - Frost Bank Card.pdf ).
I have an ARM with this company. They bought my mortgage from XXXX awhile back. They are supposed to review my mortgage and adjust it according to the rate the XXXX raises. The XXXX raised rates .25 % this year and I got a letter saying that my rate was going up. A week later I got a letter in the mail saying they made a mistake and my rate was going up another .125 %. They have raised my rates every year and now I 'm almost at the rate for a 30 year fixed mortgage. I believe they are using the doctored paperwork they got from XXXX and I want a 100 % audit for the time they have had my mortgage, I want a copy of the paperwork they are using to calculate my rate to compare with my original paperwork and I want them to sell my mortgage to a competent company. They proved that they ca n't handle their work. They have ignored my repeated attempts to contact them. I 've sent four e-mails and their offices are only open XXXX to XXXX Central time. I work swing shift on the west coast so I can not call them before XXXX Pacific time. To sign up for an online account they require that I enter my SS #, which I will not do.
I signed up for XXXX XXXX 2015. I provided them with a debit card number ending in XXXX. I was not aware that my XXXX month subscription would automatically renew until I saw an additional charge debited from my account on XXXX XXXX in the amount {$110.00}. The card that I provided to them in XXXX 2015 was deactivated XXXX 2015. I never provided XXXX with the card number for the new debit card because I just assumed that once my XXXX months were up that my subscription would just end. I contacted XXXX and they refused to refund my money. I contacted Bank of America where the account is located and filed a dispute. They informed me that XXXX has the ability to provide them updated information even though I did not provide that information to merchant. I have never heard of such a thing. My account is now overdrawn because of a charge that I did not authorize.
This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, Equifax or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that XXXX, Equifax or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX   XXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX/XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX ( XX/XX/XXXX ) XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX/ XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from XXXX, Equifax or XXXX and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised XXXX, Equifax or XXXX, to no avail.