WillisBack/dataset-financial-user-claim huggingface dataset:
Navient is my loan servicer for loans taken out in XX/XX/XXXX-XX/XX/XXXX. They most recently failed to inform me that my loans were being transferred to usa funds. I am currently waiting to start XXXX school in XX/XX/XXXX. Everything was fine and up to date, I had been awarded federal pell grant. And then just a couple weeks ago XX/XX/XXXX to be exact my loans were declared in default. I 'm a single mother who attended a fraudulent for profit art college. I 've just recently filed for borrower defense loan forgiveness. But I 'm aware of the fact that this current administration has n't stood up to their responsibility to help us students that have been defrauded. Dept of education collected millions of dollars from my school for fraud and they are still holding me responsible for the debt. So it 's a win win for them. Ok so I 'm waiting for that to go through. But in the mean time I had my federal funding pulled for XXXX school because Navient was trying to pull the wool over my eyes. I obviously would n't have defaulted knowingly since I have school starting in XX/XX/XXXX. So XX/XX/XXXX default, and Navient reps are saying there is nothing they can do I have to deal only with collections. Collections only wants their money and if I am unable to make outrageously high payments to them before XX/XX/XXXX they will add 25 % of total loan amounts on to existing loans further compounding my problem. They do n't even consider income sensitive payment option. Let me say this again, I 'm a single mother raising XXXX XXXX trying to go to school, fulfill a dream and make our lives better. I work waiting tables but my XXXX program suggests we not work or work very little. So without funding from my pell grant I am finished. I worked for years on prerequisites for XXXX. Never taking out loans or taking federal money. And now navient declared me in default because I was unaware they were transferring loans has sealed my fate. And right before school starts. I do n't know if I even have time to get this worked out. But navient has fraudulent shady practices on top of my for profit college taking advantage of me just adds insult to injury. I 'm at a loss.
I learned yesterday that this company is not licensed to operate in my state. Researching what to do about this, I found that WA residents are owed a refund on these loans past the principal amount. This company owes me {$840.00} in refunds after I have paid {$1600.00} on an {$850.00} loan. I revoked ACH authorization with both the company and my bank, and asked that they refund my money, pursuant to the law of the state they were doing business in. They have declined. I want my refund of these fees that I am entitled to.
I disputed an invalid account on my credit report with all 3 bureaus. They claim to have initiated an investigation into the account from XXXX XXXX, whom I have never done business with. I requested proof of account per the FCRA guidelines including any signatures our contracts. None of the bureaus marked the account " disputed '' as required. All 3 bureaus did however remove the account from my report within 60 days, not 30, after XXXX XXXX failed to validate it.
Experian has now allowed XXXX to reattach the account to my report, still with no proper validity. I made a complaint via phone X/XX/17 & was informed that I would have to start the dispute process all over again while this incorrect, damaging account stays on my report. I have contacted XXXX which I am waging a separate complaint about.
I started to do a Loan Modification through that Obama home modification process. I went straight to my Mortgage company because I never really had a problem with them in the past to do this. They lied to me about the program saying, " We ca n't do a modification on your home because your not late on any payments ''. So they put me into what they call is a forbearance program for 4 months. They set my payments lower than what I was paying and we setup an auto pay with the bank for it. At the end of the 4 months they told me, " that they wanted to do another forbearance because our financial situation has not changed. '' and we were still awaiting a judges ruling on something unrelated to this. I told them No I am not doing another forbearance and to do the Modification we talked about. The Mortgage Company has misled me through the whole process. They could have said NO at the beginning of the process instead of putting me into a lot of stress but instead tried stealing my property by making my mortgage payments in default. I tried to make a regular payment plus extra to start paying back what was delinquent from their doing. They sent part of the money back and said we do n't take partial payments. I have NO idea what they did with the part they kept and I need to find out. When they did this I called XXXX and paid the lump sum, I had borrow from a friend '', to bring the loan current during that month. I called XXXX so there would be proof that this was done. I have Homeowners insurance through Acuity because the last XXXX canceled my policy for stupid stuff and did n't want to let me finish my work. I am XXXX and last year found out that I have only a few more to live because there is no cure for what I have. I still need to know what they have done with the money they kept and why the extra money I sent in was not applied to my escrow account as marked on the back of payment?
Nelnet did not have my correct contact information to provide me with the repayment plan after my graduation of the 17 loans I have with them, therefore making my payments on my accounts with Nelnet XXXXXX/XX/2017 late. I called them after seeing the information on my credit report to resolve the issue and have been making payments on time ever since the issue was resolved. My credit report is now ruined due to this mistake, and I am unable to get credit cards, loans, etc.
We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XXXX/XXXX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XXXX payment and would have to wait till XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a XXXX XXXX XXXX that was made to the account on XXXX/XXXX/XXXX. I said no my mortgage has been current as of XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and XXXX  Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. Experian not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; XXXX XXXX by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company XXXX XXXX XXXX State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.
I took out a private student loan with XXXXXXXX XXXX in XX/XX/XXXX to attend the University XXXX XXXX. I've been in school on and off part time to full time since that time and have been in and out of in-school deferment with that loan. It was recently sold to Navient in XX/XX/XXXX when I was enrolled full-time and was in an in-school deferment. In XXXX, I was informed I would no longer be in deferment for that loan since I was not enrolled in classes over the summer and contacted Navient. They informed me my only option to avoid repaying my loan was to go into forbearance for the loan for three months until I started school. I was told I could go back into in-school deferment at that time. From XX/XX/XXXX, until XX/XX/XXXX, I was in forbearance. A payment was billed to me at the time and I started school again full-time on XX/XX/XXXX. My loan still hadn't been put into in-school deferment as of XX/XX/XXXX, so I contacted Navient and they verified I was in school and applied for an in-school deferment. On XX/XX/XXXX, I received an e-mail stating I was not eligible for deferment with no reason given. On XX/XX/XXXX, I contacted Navient again and spoke with a specialist who informed me my deferment time had expired in XX/XX/XXXX. This is misinformation as I was told the only option I had in XXXX was to go into forbearance. Deferment should not have expired if I was forbearance or I should have been told deferment was an option.
Account Name : XXXX XXXX XXXX Account Number : XX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2018 Status : Collection account. {$1400.00} past due as of XX/XX/2018. 
Status Updated : XX/XX/2018 This is the information from Experian. I did not under any circumstances open anything in XXXX. This debt/account does not belong to me.
For at least XXXX weeks, I have been unable to access my account. I have attempted to log in to my online account on several devices using different browsers, tried resetting password, and spent several hours on the phone trying to contact a service representative. I am concerned that I will not be able to make my next loan payment on time, because I am unable to access my account information. 

The problem has persisted for several weeks, but I only started tracking my contact attempts this week. Here is the list of the last few days. 

Login Attempt XXXX/XXXX/XXXX XXXX Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; information not found Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX On hold for XXXX ; never XXXX through. 
XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX Received busy signal. 
Login Attempt XXXX/XXXX/XXXX XXXX - Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; XXXX & XXXX not found The message I receive online is, " We are sorry, the service you have requested is temporarily unavailable. Please try again later. '' This is not a wrong password ; I get a different message if the password is wrong.
**Note previous report contained grammatical errors and missing keywords. Please disregard complaint XXXX** I received a report from XXXX a couple of month ago stating my identify was on the dark web. On XX/XX/2018, I sent a certified letter along with my proof of address to Transunion to remove unverified fraudulent accounts on my credit report. Instead of responding to my claims, they sent a stall letter on XX/XX/2018 stating the proofs of address were unacceptable. Within a few days, I called Transunion to update my address. Nearly one month later, I still have NOT received a response to verify the accounts. I filed a FTC report on XX/XX/18 and faxed the FTC report along with my ID, social security card, and a copy of section 605B of the Fair Credit Reporting Act which states the credit bureaus must block the fraudulent information within 4 business days. I called Transunion today on Friday XX/XX/2018. They stated do not have to follow the FCRA 605b law and block the fraudulent information. I asked why they will not block the information and Transunion stated they do not have to tell me why. XXXX  has deleted and block the accounts and inquires listed on my FTC and I would like to Transunion follow suit and do the same as well.
I signed up for the American Express Gold Delta SkyMiles credit card on XX/XX/2018. The credit card offered XXXX bonus miles after spending {$2000.00} plus XXXX bonus miles after spending another {$1000.00}, plus a {$50.00} statement credit after my first purchase with XXXX. 

American Express reps now tell me that because I had this card before they will not honor the terms of the bonus offers. I have enclosed screenshots of the terms for the application and nowhere does it say that I would be ineligible for the bonus offer on this card because I had the card once in the past.
XXXX Multiple unauthorized inquires on credit file that I did not authorize. Credit bureaus keeps telling me to call the creditors but I have no accounts with the inquiries showing on my credit report that I have reported as fraud t.The only permissible purpose for pulling someone 's credit report is 1. firm offer of credit. 2 insurance 3. employment 4. court order. None of 4 do not apply to me. I have attempted to contact each credit inquiry on my credit report and my information is not in the their records.
I was XXXX from chapter XXXX Bankruptcy in XXXX Credit Acceptance Corporation garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX Credit Acceptance corporation garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX Credit Acceptance Corporation garnished my pay again. I submitted my bankruptcy paperwork to the attorney for Credit Acceptance in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to XXXX, XXXX XXXX XXXX XXXX to resolve this matter and I have received no help.
I attended XXXX from XXXX to XXXX. Graduated with an XXXX XXXX in XXXX. Since then I have been informed that I have 7 of 17 loans still outstanding which amounts to about 60 thousand dollars. Speaking with a loan forgiveness specialist, I was informed that loans were processed in my name from XXXX to XXXX. I was no longer a student after graduating in XXXX. I have made payments to several companies that bought my loans. I stopped because it was so confusing as to who I owe. My check is being garnished15 %  and it has been for the last three years. I NEED HELP. This school has sinced closed and has a lawsuit against them for fraudulant loans being processed.
Today I called ERC, XXXX after I found a new collection for XXXX on my consumer credit reports. As usual they were not helpful but agreed to dispute the trade line and provided me with a complete account number for XXXX. I called XXXX and after more than an hour, found this was not my account, not my address and not my collection. They were not in the mood to help me get this rectified immediately so the wrong information is being reported and a credit collection agency is wrongly reporting incorrect information. I demanded an immediate correction to my credit report and ERC to drop the account. They are now knowingly reporting incorrect information.
Received CITI XXXX Card monthly statement for billing period XX/XX/XXXX-XX/XX/XXXX. Balance $XXXX and payment due date XX/XX/XXXX. Submitted total balance payment of ($XXXX)  with additional $XXXX for transaction not reflected on the statement on XX/XX/XXXX. Credit card acknowledges receipt of payment on XX/XX/XXXX However, the following month XX/XX/2015, i received another statement indicating a balance. CITI continues charging me interest rate on XX/XX/XXXX for the amount of ($XXXX). Charges are unacceptable, and credit card representatives do not listen.
Last night XXXX at XXXX XXXX CST XXXX XXXX called asking for me. I told them they had the wrong number because I get so many spam/fraud calls all the time, plus I didn't realize it was XXXX XXXX until after the call and I looked on my caller ID. They did not identify themselves and who they were with when I picked up.. The phone rang for like 2 minutes, that's why I picked up. I have a company working on consolidation for this debt and XXXX   knows this. They called me at XXXX XXXX, that is too late and when I told them they had the wrong number they said, you mean to tell me you don't know who XXXX XXXX is? Very aggressive.. Then they said, I am going to leave a message for XXXX. I said, you have the wrong number. the way they acted I thought for sure it was a scam call because of how rude they were. Then they said, okay. well, I will just be contacting all of her family members then. I said, okay. Hung up.
received a statement from XXXX XXXX , XXXX stating that I owed PayPal Inc. {$150.00} when I 've never had a PayPal account. I called PayPal to verify that I did not had an account.
This account was previously deleted from all credit reports and was recently re-inserted. Credit Collections USA refused to verify the account belonged to me. This account is being re-aged. The changed the date of first delinquency which was originally XXXX
X/X/17 I attempted to get receipts of payments I made to this company on behalf of XXXX XXXX. Although they had records..refused saying account went back to the original company. The Rep had shared with me the amount of payments I made and a total. When I asked for written verification she told me she could n't give them to me. When I insisted that I believed she could get it for me..she referred me to a Supervisor. He came on the line with intimidating nasty tone. He read me a debt collection disclosure that had already been read to me by the previous individual. When I began to tell him what I wanted he started to try to intimidate me and interrogate me on why I did n't have the info I was seeking, and the methods I should have tried to get it and control the conversation.. When I would n't let him, he hung up. He was nasty and provocative .Central Portfolio Control Inc , is a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX. I would like to report this company.
Hello, I got an email yesterday from Equifax asking me to enroll in TrustedID XXXX due to the hack into my information. When I tried to enroll, it said that I was enrolled already. When I tried to login it gave me an error message and said to call customer service at the XXXX number. When I called, I got a message saying it is not a working number.
I transferred funds to my Amex Serve card while traveling to XXXX XXXX, VA on or about XX/XX/XXXX. About XX/XX/XXXX, I stopped in XXXX on XXXX XXXX and made a small purchase of {$4.00} with my Serve card. I did not use my card again and do not remember seeing it again after that. The following Monday, I received messages from Amex stating  that I had possible fraudulent charges on my account. I checked my account and noticed that there were several charges made between XXXX and XXXX at multiple merchant locations in XXXX, Florida. I contacted Amex immediately to report that I could not find my card and I did not make any of those charges on my account ( on / ) and they told me that they blocked the card and would open the dispute. I got disconnected several times, so I had to call back many times to make sure the card was blocked and I was being sent a new one. On XXXX, I had not yet received my new card and had not received any communication regarding the fraudulent charges, so I called back only to find out that they had not even started the dispute and my new card had not yet been mailed. I opened the dispute, received the email request to complete the Declaration of Fraud, and sent it back immediately. I called multiple times up to and including XX/XX/XXXX to get the status of the dispute because I had not been issued a provisional credit as promised. The representatives are not knowledgeable and some are even rude when I call to get answers. When I ask to speak to a manager, they argue with me and tell me the manager will tell me the same thing or promise a call back within 4 hours, which never comes. I received an email last night telling me that I missed a charge on the form and needed to resend it. Before I could even send it again, they had CLOSED the dispute and I received an email stating that there was no error and my transactions were valid. I called again and spoke with two additional representatives who then told me that they could not reopen the dispute and I had to start all over again and there is NO way to expedite it even though they informed me of the fraud on XXXX. In the meantime, I am without my money. I do not feel safe using that card and will cancel my direct deposit although I found the card to be a great option to separate expenses. I am so disappointed that the customer service reps are hundreds of thousands of miles away and treat customers the way they do, with no options to really help customers or escalate pressing issues. I am disappointed in the Amex brand and I feel that my money has been stolen from me. I have been searching for a way to reach the corporate office to report these issues, but it is very difficult to even get anyone to listen. In the meantime, I have been robbed of the very protection my card promises to me and a thief has gone free with my hard-earned money.