WillisBack/dataset-financial-user-claim huggingface dataset:
Since I've been involved with Navient ( Sallie Mae ), managing my student loans have become increasingly entangling and confusing. I tried to understand exactly what I was being charged and the best options that would be available to me over the course of the years but I was always pushed toward Forbearances and Deferments. It has become so overwhelming to defend myself against this major corporation when time after time I would reach out to discuss the best repayment options for me and to get detail on exactly what the best option would be for me, but the customer services representatives would constantly push me to the 'easy ' buttons on the website and just tell me to quickly apply online for the forbearance and assure me that 'I would be accepted '. Even when I was receiving minor income and/or state assistance, the answer would always be 'another forbearance '. Sometimes, the forbearances or deferments would be up to two or three months apart, even after explaining that I would need more time and clarification on the best options for me. 

No one at Navient ( Sallie Mae ) would spend more than five minutes guiding me on the phone, instead, they would tell me how convenient it would be for me to just go online and 'click on the buttons ' to apply for forbearance and/or deferment and 'upload my documents '. I also noticed what appeared to me as the egregious late charges, etc. and my loan would triple within months even after explaining my financial hardship again and attempting to get guidance. Navient created a vicious cycle for me, that I believe was applied maliciously. Oftentimes, when I would attempt to apply for repayment options on my own through the often hard to understand prompts, I would be denied and would once again be pushed to forbearances and deferments. I would like a further investigation into my case as I am in extreme debt with this company and am still experiencing financial hardship and confusion around the number of fees, and late charges, and options that I would have to the best path toward gaining loan forgiveness.
These peopled called threatened me. I told them it wasn't me. I pay my bills. They said this call is recorded but they wont hear it. We will ruin your credit if you don't pay even if its not yours its on your report not mines. I didn't know what to do XXXX XXXX Account Number XXXX XXXX - Account Type Collection Collection - Terms 1 Month - - Date Opened XX/XX/2017 XX/XX/2017 - Account Status Closed Open
Wheels Financial Group , LLC sent me XXXX for XXXX on a loan I never applied for nor received. I do not have any knowledge of this company. I have never done business with this company. This seems like Tax Fraud and Identity Theft.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
The  Mobile  application f or US ba nk does n't reflect the correct available balance and can differ from the online banking website. The online banking website apparently can have an expansion window that can reflect if you are over your actual available limit where th e Mobile application does n't This can be misleading if you are using the Mobile ap plication and can think your available balance can be an amount when factually i t may not and US bank wil l access an overdraft fee regardless because it goes off the online banking website with the drop down windows. I was assessed a late fee because my account was negative  XXXX  and a  XXXX  one because it was a negative {$1.00} total between the  XXXX  transactions. You ca n't transfer anything less then {$5.00} between your accounts. I was assuming my account had {$26.00} and transferred {$5.00} to another account leaving a balance of {$8.00}. On more then  one  occasion I was charged an overdraft fee because the Mobile application was different then the online banking website.
Someone sent me {$1900.00} via the app Venmo on XX/XX/XXXX. Venmo requested additional documentation from both of us. I submitted mine immediately and they requested it again. I resubmitted it. They sent a message stating that if they did not receive both of our documents that they would cancel the transaction and refund her money to her. The sender is XXXX and had difficulty sending in ALL things, so I asked them to cancel out the transaction and return her money to her. They would not. It has now been almost 3 weeks and they still will not return her money to her. She has since submitted all documents and they state the license is blurry ( i looked at her email, it was not blurry at all ). They are refusing to cancel the transaction and give her back HER money. They should NEVER have drafted the funds in the first place if the account setup was not complete, instead of taking her money and not allowing either of us to have it. Now they are holding it hostage and this is unacceptable.
Contacted company over a year ago to cease and desist, after not receiving verification of debt. 

The company shared / school, is not verified and I have no record or knowledge of debt. 

The company has continued to contact parents home and cell numbers, even after they requested them to stop contacting ; in addition to making repeated, early/late, and harassing calls. 

Shared information about collection with parents - even after they shared they did not have contact information ; I am activity duty and parents do not have contact information, as they shared ( depending on TDY ).
I have submitted a XXXX Loan Forgiveness Application to Navient back in XXXX. My loan is with Navient for attending XXXX University. Since then until XXXX they sat on the application with no approval or disapproval and did not contact me on status but instead made excuses it was being processed. In XXXX, they told me it was denied because the signature on the form did not have the title of the person attached ( pety because it is understood by document what title person held ). was told to make changes and resubmit which I did. Since then, I have once again been denied because of a different section that was told was fine before is now incorrect because I checked off more than one option, when it clearly states to check off ALL that apply. It 's now been 6 months since first submission for easy form application but continuous denials for erroneous reasons.
Been getting calls from Credit Collection Services from phone no. XXXX trying to collect from unpaid bills from XXXX XXXX XXXX. I do not have subscription from XXXX XXXX XXXX and the person on the phone are demanding, interrogating, and unpolitely harrassing me. He has my phone number and name and some PII. I am a federal employee whose background check information was compromised at OPM..
I checked my bank account on theit app, and found a {$9.00} direct atm fee. I have never received a fee for using an atm before besides the surcharge incurred at the terminal. I called and spoke with XXXX, who claims I was given paperwork at the opening of my account that states if an atm is not in network, I will receive a {$3.00} fee per usage. I do not recall seeing this, nor have I been charged previously for any atm usage.
I bought a phone from XXXX paid it in full then started having problems with it, called customer service to report they said to return it for a used XXXX after I paid for the new XXXX but before I returned it I took it in to the store to confirm no water or screen damage and they turned around and tried to bill me a second time for the full amount. I was loyal to them for XXXX and this was the XXXX time I 've encountered this problem so I took my business elsewhere. I asked them for proof of damage and received a written response damage was found and I 'm liable with no pictures or documentation this should be illegal and not allowed to affect my credit score. The thx I get for XXXX too long and thousands spent on XXXX customer service
According to the Equifax breach and my subsequent verification through their site XXXX XXXX XXXXXXXX on XXXX/XXXX/XXXX, my information was part of the data stolen. I signed up to enroll for their free TrustedID service for 1 year on the same date with that site but have not yet officially activated enrollment. 

I filed for a credit freeze on XXXX/XXXX/XXXX with all three credit reporting companies. I filed for fraud alerts on my account for 90 days with XXXX on XXXX/XXXX/XXXX ( which should propagate to the other companies XXXX.
Google has sent me multiple emails on a debit card debt. I have notified google through email that I have filed for chapter XXXX bankruptcy, however, they keep sending me collection notices and violated the automatic stay rule. I suffer from XXXX and they have aggravated my condition. 


Case # XXXX ( Chapter XXXX ) Title XXXX XXXX XXXX Filed XXXX/XXXX/2016 Judge XXXX XXXX XXXX Original Chapter XXXX Vol / XXXX XXXX XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXXXXXXXXXX XXXXXXXXXXXX XXXX ( XXXX hours ago ) to me Hello XXXX XXXX , You have - {$390.00} in your Wallet Balance. 

In order to continue using Google Wallet to make purchases and send money to friends and family, you 'll need to add money and settle your negative balance. 

To settle your negative balance on the desktop site : Sign in to your account at XXXX. 
Click on Settle Balance in the top yellow banner or in the left bar under your current Wallet Balance. 
Choose a payment method from the drop-down menu. 
Click on Settle Balance to complete your payment. 
To settle your negative balance in the app : Open the Google Wallet mobile app. 
Go to the navigation menu on the left. 
Tap on Wallet Card & Balance. 
Tap on Settle Wallet Balance. 
Review the confirmation and tap on Add money. 
Thanks for your quick attention to this and for using Google Wallet. If you have further questions or need help, please visit our Help Center or contact us at XXXXXXXXXXXX. 

The Google Wallet Team ( C ) 2016 Google Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX You have received this mandatory email service announcement to update you about important changes to your Google Wallet account.
Chapter XXXX case # XXXX was converted to a chapter XXXX case # XXXX and was discharged XXXX/XXXX/2006 Equifax is still reporting these XXXX cases as seperate cases when the chapter XXXX case was converted to the chapter XXXX case and discharged. The bankrptcy court said that the chapter XXXX case is the only case that should be reported.It appears that Equifax is not verifing this information correctly after XXXX requests to change this information on my credit report.
I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) on the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I purchased XXXX train tickets on XXXX XXXX 2015 on XXXX. I received an email that my order did n't go through. " XXXX was unable to process the payment for your recent order. Please contact us at XXXX XXXX XXXX XXXX to so we can complete your order and confirm your reservations. '' After seeing this I purchased new tickets on the exact same train hoping that the order would be processed because I was traveling from XXXX XXXX, to XXXX and wanted to make sure the order was confirmed. Immediately following the XXXX purchase I looked at my chase account and saw that the original order did in fact go through and now I was being charged for not only the {$190.00} but also the XXXX order of {$200.00}. XXXX XXXX told me there was nothing they can do, and when I contacted my bank ( CHASE XXXX they looked into it and decided I was liable even after I showed them the email. So basically I was charged {$390.00} for a round trip tickets for two instead of the original price of {$190.00}. I still have the email XXXX to prove I was mislead and taken advantage of. Im disputing the {$200.00} charge because I feel that this is truly unfair business practice and that they stole {$200.00} from me. Please look into this and see for yourself. 

Thank youXXXX
XXXX XXXX XXXX. XXXX XXXX. The number was Unknown name XXXX. The person who called was XXXX XXXX. He was looking for a family member that does not live here. I told them the person does not live here at this number. I asked him to remove this number. He continued to harass me asking me questions. I told him I was being harassed, and he needed to remember that he was on a recorded line. I was place on hold and someone else came on the line an XXXX XXXX. I asked for their information she told me they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MInnesota. She apologize and agreed that XXXX XXXX should have apologized and hung up.
Note a hard pull on my credit report that I did not authorize. Came from XXXX XXXX XXXX XXXX ) on XXXX/XXXX/2017.
Discover Card Still showing after bankruptcy, I have tried contacting Discover directly and used a credit fix company.
I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX XXXX, XXXX XXXX XXXX 01  XXXX XXXX XXXX XXXX XXXX  XXXX, 01 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX  XXXX
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
XXXX/XXXX/XXXX - started calling me at work about a debt that is not owed to XXXX XXXX. Told them to not call me again at this number. Called again today, XXXX/XXXX/XXXX, hung up on them. This bill is for {$470.00} and I do not owe it. A complaint about this billed was filed with the Better Business Bureau in XXXX XXXX. They sold this to a collection agency that is harassing me at work now.
I took out a loan with Onemain Financial , Inc. located at XXXX XXXX XXXX XXXX Ga XXXX back on XXXX/XXXX/XXXX. I borrowed {$1000.00}. I went back to borrow {$500.00} on XXXX/XXXX/XXXX for them to payoff XXXX XXXX and XXXX. The balance was {$600.00} for XXXX XXXX. They gave me a check for {$600.00} to pay them off. They also gave me a check for XXXX the same day to pay off XXXX which totals to {$2500.00} plus the renewal of {$99.00} of all the money ever borrowed. I missed one payment back for XXXX/XXXX/XXXX. I went back to them on this date to do a renewal because I did n't have the money to pay for XX/XX/XXXX. They said if I did n't do the renewal they was going to take me to court. They gave me a check for {$99.00} for me to turn and give back to them with prepaid finance charge of {$260.00}. When I add up my receipts I 've paid them over the course of this loan close to {$10000.00}. I told my brother about my situation. He immediately wanted to know what was going on. I had him to speak with the manager at OneMain Financial. He ask the manager for the number of payments. She told my brother they only had a record of 27 payments. I pulled out my money order receipts and counted 38. There are more receipts. I have to find them due to the fact I had to move. My brother took me there to discuss why the loan was so outstanding although I have been paying faithfully XXXX to XXXX every month with a few exceptions. When we got there we asked to speak with the manager. The manager was not available therefore we had to speak with someone else. It was a gentleman. My brother wanted to see all details pertaining to signatures and copies of signed return checks. He was not able to produce valid signatures on all the documents. He was telling my brother that I had kept coming down there to borrow money and something in reference to a renewal. In the process of going through the documents my brother notice that there was XXXX loan for {$850.00} that was signed by someone else they claimed I got a month later on XXXX/XXXX/XXXX. This is not correct. I have not been back there other than the times I mention earlier. The service rep was shaking and falsely accusing me of coming back there to borrow the money. Someone signed my name in the style of printing my signature. We ask for copies to justify my innocents. I did received copies of some the records. The payoff balance as of XXXX/XXXX/XXXX was initially {$6200.00} even after 4 years of paying them close to {$10000.00}. I asked him why am I still paying for this loan. That 's when he stated to me that I kept coming down there to borrow money or something concerning a renewal. He then went back into the computer and changed something. The balance is {$5600.00}. I do n't know what they are doing but I 'm worried and sick of the threats of taking me the court if I did n't pay even though I pay every month. In short, I feel someone has committed forgery in my name as if I have taken out additional loans that dates back to XXXX/XXXX/XXXX. The interest rate was 25.37 % to 30.45 %. I XXXX XXXX am giving XXXX XXXX to discuss anything concerning this case.
Universal recovery cooperation. 

I called them to pay my husbands death off and the guy I talked to was so rude I hung up on him. I told him I would pay him Thursday when I get paid and I wanted him to work with me but he refused. He wanted me to give him my account infoation and I refused I told him I would call back Thursday and pay it, he was yelling at me and saying I was like everyone else a talker I told him no I 'm not like that I told g I contacted you to pay that bill and not the other way around and it is not even my bill so he should be happy that I contacted him to pay it. He said if I would n't be like everyone else I should not have a problem to give him bank account information. I told him no you wait he would n't stop yelling at me so I hung up in him. Later XXXX I called with some questions and he was an XXXX again. My husband finally took the phone and asked for his supervisor she got in the phone with my husband and was rude as well. And they keep saying if y dot pay it today it will be more in XXXX days what dosent make since
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX/XXXX, Account Number XXXX ( Experian and XXXX  ).
On  XXXX / XXXX / XXXX , I used the Credit Card to make a purchase for {$29.00}. The Credit Card due date was  XXXX / XXXX / XXXX . I paid off the {$29.00} on the due date and thought this was resolved. Fast forward to  XXXX   XXXX  and I began receiving calls from the bank that offers the card. I was told I owe {$88.00} on the card. I was very confused because I remember paying it off. I also had not been sent any letters via mail or email advising I still owed a balance.     Apparently, because I made the payment after  XXXX  on the due date (  XXXX / XXXX / XXXX  ) their system charge me a Late Fee after  XXXX  on the due date and subsequently posted my payment the following day  XXXX / XXXX / XXXX . Since then, they had been charging me late fees ( on the initial late fee ), and no one advised me this was happening. They advised they could not help me as it was my own fault for not knowing their company policy and I should pay my bills in advance rather than waiting until the due date.     I was left with no options by them so to resolve this nightmare, I closed my account with them while also paying the amount owed (  XXXX  ) I thought this nightmare would be finally over. Now on  XXXX  ( yesterday ) I received a call from them, advising I owed {$100.00}. Apparently, they assessed me even more late fees, and they said I paid the  XXXX  late. I explained to them that I paid what was owed online at the time I logged in as my account balance, as well as what thei r CSR said I o wed. No one could assist yet again.     I am reaching out here as my last attempt as I have never experienced such predatory practices. They make their own rules ( unfair cutoff payment times, not communicating due dates clearly to the customer ) and I am now charged over {$200.00} in late fees in total over a {$29.00} charge that was satisfied more than 6 months ago.
Thi s Compliant is being sent to Convergent Outsourcing in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I NEVER e stablished a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX   ) this  action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character
My credit report is a mixed file. It contains the address, name and credit accounts of someone in my family with the same/similar name.
Amerinat was the servicer of my 2nd mortgage that was paid in full on XX/XX/XXXX through an escrow with XXXX XXXX XXXX XXXX. Amerinat collected all the fees and amounts due to them and demanded from them on that day but waited untill the Spring of XX/XX/XXXX to contact the County of XXXX to release their lien without success. They have not released the lien on my property even after the close of escrow but instead are demanding for more money from me. Please help me to resolve this matter and have them release the lien on my property. Thanks.
I have disputed the late payment status reported on the account XXXX XXXX with the XXXX and Transunion..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.