WillisBack/dataset-financial-user-claim huggingface dataset:
Over the past 13 years, the student loans I took out to attend XXXX XXXX XXXX have ballooned out of control due to the errors, omissions and deceptive practices of Navient ( formerly XXXX XXXX ). 

Original balance on a loan I started was for {$26000.00} and another ( which I have yet to see my signatory document ) for {$19000.00} ( total : {$45000.00} ) increased while I was paying the monthly payments ( as I was able ) to {$76000.00}. 

Now I am not a finance major, but even with a few forebearances that I requested when there were financial troubles, but it seems that misallocation of my payments to forebearence fees, erroneous late fees, etc caused capitalized interest build up during my repayment program. 

So even though I was making payments, the balance only always rose. Even when I requested a fixed payment extended plan ( which would increase the overall sum I was paying ) they did not put me in that program and with variable rates increasing, the payment kept increasing. 

No one ever advised other alternatives to forebearance, nor did they advise that the interest first payment structure was going to be used. So although I made 13 years of payments, nothing was ever applied to the principal balance - and with capitalized interest - my balance has only increased. 

I am a teacher and I can only shake my head that the deceptive practices of Navient ( XXXX XXXX ) are allowed to continue like this. 

When my repayment program shifted from $ XXXX to $ XXXX, I extended the payment plan so the payment would be $ XXXX. Over the last 4 months, the payment has increased by $ XXXX so now when faced with a $ XXXX payment that never seems to decrease the principal balance, I refinanced the loan with XXXX. It took me 2 years to repair the credit reporting mistakes that Navient made to the reporting bureaus, else I would have left them long ago. 


This is exactly the type of loan program that caused the mortgage meltdown and needs to have corrective and significant action so that other borrowers are not treated like I was and they do not experience the financial hardship of ever increasing debt.
My account has been limited since XX/XX/2017 and I have not had the ability to withdraw the {$24000.00} that is remaining in the account.

My account has had XXXX  credit card chargebacks at any time and I have XXXX open disputes and claims. There is no justification for holding {$24000.00} since XX/XX/2017.

I am respectfully requested that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service.

I received the response that is coming from Pay-Pal. Their notion of, and hiding behind PayPal 's user agreement ( " User Agreement '' ) Is considered even in our courts as " STATUS QUO '' and they know that, no person as we all know are reading any of that with any company, if yes nobody will ever finish and nobody will ever sleep since every minute we go from one site to another to buy merchandise. They ( Pay-Pal ) are such a high sophisticated company, they had their choice at the time of the transaction, like any other company, to deny the transaction ... I see they have such a detailed history, letting the transaction go through and than keep the consumers money for no good reason, just to have free money, that not only they don't pay interest on it, nor do they pay TAX on it, and the financial burden people have to suffer is hard to describe in writing.
credit history has hit because of wrong attempt to collect debt which is not mine. please help to remove this from credit history.
I got a loan with Drive Time in XXXX till XXXX, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Initially Drive Time refused to fix it and that is when I filled my 1st complaint with Bureau Of Consumer Finance. Shortly after I was contacted in writing by XXXX XXXX B. 
please see letter attached ( although she had the wrong year on top of the letter ) She contacted me in XX/XX/XXXX not XX/XX/XXXX. In the letter she stated " we are only able to reinstate paid loans through XXXX, as they are the only credit bureau with the ability to do so. This update should reflect on XXXX XXXX 's credit reporting with XXXX within 30-60 days. '' I accepted her terms, however till this day XX/XX/XXXX, XXXX tells me they never received the information from Drive Time to report it. XXXX provided me with a copy of my credit report showing no evidence of Drive time being reported. I contacted XXXX XXXX XXXX office on XX/XX/XXXX, XX/XX/XXXX and XXXX, I spoke with XXXX different people and they all claimed XXXX XXXX XXXX was not available. None of them seem to know about the letter from XXXX XXXX B in XXXX XXXX and when I brought it to their attention, they all said XXXX XXXX XXXX will have to call me back. I find this completely irresponsible from Drive Time and I ask for mediate compliance as per the letter from XXXX XXXX XXXX, please see copy attached. 
Thank you
XXXX XXXX, Bank of America VP patently denied our ( The XXXX, Re-Fi Loan No. XXXX application based on erroneous information. We refute the denial of Action Taken on the basis of : alleged garnishments ( there are none in our credit history ) ; no repossesion actions ; no delinquent past credeit obligations in the last 12 years. 

The BOA low-balled our property appraisal : XXXX XXXX XXXX XXXX XXXX, Ga, XXXX. I have evidence of more appropriate FMLS appraisals that I sent these people..several times. I have numerous 'run around the flag pole documents ' tax returns, home-based business documents, bank accounts, etc. 

Let me cut to the chase..These uncaring community-busters chose not to work with us in year XX/XX/XXXX-XX/XX/XXXX ; we successfully were approved for the Chapter XXXX bankruptcy..paid off all of our obligations..and have maintained stellar credit posture since Year XX/XX/XXXX. If they had only worked with us in Year XX/XX/XXXX-XX/XX/XXXX, we would not obviously not be at a loggers head. We have a XXXX FICO score and getting better. BOA wants to punish us..'too big to fail.they have not learned yet that taxpayers bailed them out! '
Thursday XX/XX/XXXX contacted county clerk becauae it is incorrect information and shouldn't of appeared on background check
On XXXX XXXX, my Barclaycard Arrival Plus credit card was stolen and I had {$970.00} fraudulent charges on my account, with a few thousand more charges declined by the bank. I initiated contact with the bank immediately after I saw the fraud alert message received on my phone, confirming through texting that I did n't perform those transactions. I was told by a customer associate that I would not be responsible for all fraudulent charges. However, after I week, I received a call from the Fraud Detection Department telling me that because those charges were cash advances so they would not reimburse me for those charges.
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Even though with my police report and other supporting documents proving that those transactions were fraudulent, the bank refused to offer me help and instead put those charges with fees and interests on my account, totalling {$1000.00}. I have made contact with Barclaycard Fraud Detection Department several times without further progress. One supervisor called XXXX initially promised to get back to me within the same day on XXXX XXXX. However, despite calling him leaving messages multiple times to initiate discussion and figure out the reason for rejection, the supervisor never called me back!
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According to the information provided by Federal Trade Commission, under Fair Credit Billing Act, my liability as a customer for unauthorized use of my credit card tops out at {$50.00}. However, Barclaycard refused to accept my evidence of fraud, and follow the federal law to take those fraud charges out of my account. Their process of dealing billing dispute is also flawed and unfriendly. Not only that I received conflicting information from their customer associates via phone, I was also not treated with respect - the supervisor never responded to my message. Furthermore, the zip code of their address for sending a claim form is actually incorrect - one staff in the post office told me that they put wrong information on their form. I have completed lost trust in Barclaycard and Barclay Bank Delaware and would like to seek help from federal customer protection agency.
This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX.
My complaint goes back to XXXX XXXX with XXXX XXXX of XXXX XXXX, I was advised that the information needed to be filed with the corporate office. When I sent the information in to corporate they advised me that they could n't find me in the achieve file and that I would have needed to contact the place where the transaction happen. Once I did that I did n't get anywhere with the general manager who stated that since the other person know longer worked there he could n't really help me and the inquiry should be falling off in XX/XX/XXXX.
I am a XXXX year old XXXX XXXX that works in a XXXX XXXX, here in XXXX  state ; and I feel that the amount that Navient is requesting I pay is way too high. I currently owe {$140000.00} from 1-01 DL Consolidated- subsidized ( {$42000.00} ) and 1-02 DL Consolidated- Unsubsidized ( {$100000.00} ) loans. I have made payments in the past of {$240.00}, which has not placed a financial burden on me. My income at that time was the following : XXXX, XXXX, XXXX ( per US income tax returns ). I placed the loans on forbearance because I am in the process of paying off some medical and credit card debt. That forbearance will expire in XX/XX/XXXX. My problem is that when I send in my tax income tax information to determine what I should pay, per my income driven repayment plan, Navient doesnt take into account that I have other debts ( cost of living expenses ), that I have to pay as well. Enclosed is a summary of what my monthly cost of living expenses are : Mortgage + HOA expenses= {$1300.00} Utilities= {$1300.00} ( auto insurance, cable/streaming, water+sewer, phone, storage fees, and credit card payments ) TOTAL= {$2600.00} My take home income is approximately {$2600.00} working 72 hours ( I have to work an additional 12 hours to make ends meet ( $ XXXX {$360.00} for a total monthly income of {$300.00} ). So, my total monthly income is approximately XXXX. My financial goal for XXXX is to pay off 2 of the credit cards and that would free up {$270.00} ( approximately ). Navient is telling me that if I dont submit my tax income ( that of which I will ), I will have to pay over {$1300.00} per month! Considering I just reduced my phone, and cable bill by about {$200.00} per month, ( by changing carriers, and paying off the cost of my phone ), and I bought a condo instead of renting, how am I expected to pay over $ 500.00/month ( the estimate payment to Navient AFTER submitting my tax info for the Income Driven Repayment Plan )!. I also have an issue with one of  the schools I attended- XXXX University ( XXXX , XXXX  ) - in which there is an outstanding bill for tuition for approximately {$60000.00} ( that is included in the DL loans ). The school is closing as of XX/XX/XXXX of XXXX ; I did not complete the XXXX program ( by completing the last course ), and now I cant complete it there because the school is closing. I did withdraw from the school about 2 years ago, but I had no idea that there were closing! I currently have a letter from Navient to submit another application for Income-Driven Repayment plan, that of which I have submitted. First of all, I dont understand how Navient can charge so much for repayment ( if I had that level of income, I would surely pay it! ) ; it looks like Navient is basing what I have is gross income without considering living expenses ; secondly, why should I pay for a school that is closing this year? Can that amount be deducted from my total bill? XXXX University was a private university. I can give you the account number of my Navient account if so requested, via email.
Citizens Bank- Again.

Payments that posted as pending on XX/XX/XXXX, showed a deduction in my balance on Citizens app. Then they were again deducted after three days. I telephoned my bank and the representative agreed with me. There are several mathmatecal errors showing my ( now lack ) of funds. I've caught Citizens using magic math in the past. Now, it's becoming an epidemic.
I had a pay-option ARM loan that was originally with XXXX. This loan was later sold to XXXX XXXX XXXX. My loan was included as part of XXXX class action settlements, once from the state of Arizona and again through the National Mortgage settlement. For 6 years, XXXX XXXX XXXX refused to modify my loan pursuant to the terms of the court ordered settlement. On XX/XX/XXXX my loan was sold to Caliber Home Loans. I sent copies of all court documents to Caliber and asked them to comply with the court ordered settlement. On XXXX XXXX I received a letter from Caliber stating that " Caliber has no affiliation with the defendants referenced in the documents. As such, we are not able to address the matter '' I find it hard to believe that I lost all of my rights under the settlement agreement just because XXXX XXXX XXXX sold the Loan to Caliber. Especially since I received a letter from Caliber on XX/XX/XXXX that specifically stated " The transfer of servicing of your mortgage to Caliber will not affect any term or condition of your mortgage '' Caliber refused to provide a single point of contact and I spent many hours on the phone talking to multiple people. I was frequently promised call backs from supervisors and representatives that never occurred. I was told my loan was going to be reviewed by a legal department but it never was. My loan was dual tracked while I was applying for a loan modification in direct violation of the court order. 
I did submit all required documents to Caliber for a loan modification. I was told by XXXX ( ID # XXXX ) on XXXX XXXX that Caliber had recommended a loan modification to the investor and that they were waiting for the investor to approve it. XXXX also stated that I would be contacted by the manager XXXX ( ID # XXXX ). XXXX never contacted me. On XXXX XXXX I received a call from XXXX ( ID # XXXX ). She informed me that my modification was declined. She stated that no other options would be made available to me and that my home would foreclosure on XX/XX/XXXX. Due to the dual tracking of my loan I have no time left to dispute the foreclosure which will occur tomorrow.
The company never provide me with invoice to support the bill and the amount they request me to paid so I was never able to verify the authenticity of the invoice. It 's was a medical bills but never send any bill.
XX/XX/XXXX To XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Seller : XXXX XXXX Complaint about XXXX XXXX XXXX is they are not providing a written agreement to settle this account of {$830.00}. On XX/XX/XXXX I wrote to them with an agreement that would satisfy both our needs, which is : Portfolio Recovery will notify the 3 Credit Reports to delete this account from my Credit Reports and all of their files and any other file holders Copy of the 3 notifications to be sent to me. 
Status of this account to show current, paid in full and of good standing ( never late ) and Closed per request of customer. 
At time of a signed and dated agreement from Portfolio Recovery, money will be sent to close account. 

My complaint is Portfolio Recovery will not provide a written agreement so I can settle this and account. This is effecting my Credit Score
I received a request for payment of an account that was placed in collections for which I 'd never received a bill. I was never notified that I would be required to repay the tuition reimbursement I received from a former employer, XXXX XXXX, nor was I notified that this 'debt ' was getting sent to a collection agency.
I was falsely advertised a charge card as a credit card. At no point was I informed that I could not carry a balance on the card. I was then asked to pay various late fees and other fees because of the balance on the charge card.     This is a case of deceptive marketing fro m American Express.
I received a letter from IL D & A Services saying they were going to get a judgement against me for XXXX XXXX XXXX, XXXX for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.
I made an online payment to mortgage on XXXX/XXXX/15. I then received a payment confirmation stating that " payment was received '' I received a call from mortgage on XXXX/XXXX/15 saying that they were accessing a late fee and check bounce fee. I explained about my confirmation e-mail and they said that the reason no payment was made was because an incorrect acct # was entered. If that is correct then why did I receive a " payment accepted '' confirmation e-mail. Sufficient funds were also in the bank so there never was a bounced check. Not only are they assessing these fees but are also charging me a {$15.00} fee to make payment over the phone after the fact. I feel as if they are ripping me off on purpose.
XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( Experian, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
I reached out to Equifax and XXXX XXXX by written letter on XX/XX/XXXX regarding a fraudulent XXXX account that is reporting only on my Equifax credit report. I have not received a response from neither XXXX nor Equifax regarding this fraudulent account. This inaccurate and unverifiable XXXX account needs to be removed from my credit report immediately. This fraudulent account has affected my credit score tremendously. I would like for this account to be removed from my Equifax credit report immediately as I am entitled to a correct credit report. Also I noticed on my Equifax credit report that payments were made on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please provide me with the information on who made these payments, voided checks and bank information so that I can file a police report as this is not my account. Your attention to this matter is greatly appreciated. 

Thank you
I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/XX/XX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted Equifax now its XXXX.
I paid my doctors office and this was supposed to be removed from this company. It was sent to them in error. Yet it is still on my credit as paid but it was filed in error with the company
I have initiated a correction with Transunion, XXXX and XXXX  regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
The agency representative called my church and left a message that included his name and an account number. That call occurrred on Saturday, XXXX/XXXX/2015. Then, on Sunday XXXX/XXXX/2015, the same representative called during morning service at church and attempted to insist that I speak with him. I researched the company name that was given and found that they had called my home telephone number at least XXXX times and had not left a message of any kind. I am not aware of what debt, if any, that I owe this entity. Additionally, I do n't know how this company found out what church I attend and why they thought that they could interrupt my worship experience to address issue. Even if the debt is legitimate, Sunday morning worship, or any worship time, should not be interrupted by a collector.
They call me on my cell phone during working hours. They are aware this is a cell phone. I have told them that I do not have a land line I have written to them telling them not to call me at my job. They are aware of my work hours. I also do not owe this debt. The vet took an XXXX that I did not authorize.
To Whom It May Concern : The reason for me writing is to seek your assistance with my mortgage company with the modification of my mortgage loan ; and to restricted them from dual tracking proceeding with the foreclosure while my loss mitigation application is pending. 

Respectfully, XXXX XXXX
I sent a request to have my name and address updated about a month ago and the credit reporting agency has not corrected the issue.
My Citi credit card was charged {$11000.00} and {$11000.00} on XXXX XXXX 2017. I called the credit card company immediately and closed my credit card. The charge of {$11000.00} was disputed and I got the credit for one of the charges ( {$11000.00} ) the next week. However, the other charge of {$11000.00} is still on my account. 
I called the company more than 8 times. Every time I had to wait on hold for about 1 hour to get to talk to someone from the dispute team. I was always told both charges ( {$11000.00} and {$11000.00} ) are already disputed. They explained to me that giving the credit back to me takes some time, but I was guaranteed it will be credited within the next 3-5 days. However, it 's been almost 3 months since I called them for the first time and I still have that fraud charge on my balance. This is already hurting my credit score and also affects my life greatly because of the lower credit limit I could use.