WillisBack/dataset-financial-user-claim huggingface dataset:
I have had many problems with Navient. Not sure where to start, but the most disturbing thing is what they did to me this weekend. I called because I had never received the paperwork to renew my income based repayment and the lady verified my address which was an address form 10 years ago in a different state, which is impossible because I get mail from them daily at my current address. Then she said that is probably why I never receive them. They also over charged me one year and put me on income based repayment and had me pay {$35.00} a month for like a year and then next year when I was making more money they had me at XXXX. I usually end up with XXXX dollars due, because I make that little and have dependents to take care of. I had explained that I answered an email that said answer yes and they would not charge me extra but it would not go on my credit report. It is on my credit report in 5 separate entries each month which has messed up my credit tremendously. On XX/XX/XXXX, I was told to do another forbearance to bring my loan current and I agreed. on XX/XX/XXXX, my credit alert emailed me saying on XX/XX/XXXX, Navient posted 5 new late payments on my credit report. It looks as though my unpaid principal is now XXXX after all these forbearances ( unfortunately, I have not been able to obtain employment that allows me to live and pay my bills ), and the last bill I received from them last month was for {$4000.00} to be paid immediately. I have asked about the public services loans, which I have been working for non-profits with children since XXXX and have never received any guidance on how to do this. This company plays major games with people and ruins peoples lives and their credit.
On XX/XX/XXXX I received an email alert from BOA that my account was under {$25.00}. I looked online to find that there were a number of withdrawals ( 5 ) each for {$300.00}. Each also came with a {$2.00} fee. I did not make these withdrawals. I immediately headed to the nearest BOA, on XXXX here in XXXX XXXX to say that money was being stolen from my account. I made a fraud claim on the phone at the bank. They gave me a temporary debit card with only {$16.00} left and said it would take up to 45 days. I asked for more help but the teller would not respond. 

A few days later I called the number on the back of the temporary debit card to ask about my claim. She said that it would take up to 90 days and kept transferring me. I offered to fully cooperate with the investigation, asking them to look at the video tapes of the ATM and that it would be immediately apparent that I was not the one making the withdrawals. There has been no other contact and no other way to contact BOA. No credit, no communication.
XXXX, an online event ticket broker, charged us an incorrect ammount. We purchased tickets online for a XXXX XXXX Concert occuring on XXXX/XXXX/2016. During checkout they showed the total as {$250.00}. They charged our bank account {$1100.00}. We did n't know we were charged that much until we got the receipt. 
They will not even talk to us to resolve the issue. 

We contacted our bank to file a complaint and they did nothing for us. 

It should be noted that the tickets they sold us are still being sold today, from the venue sponsor for {$80.00}. 
XXXX tickets are only {$250.00}.
I was going over my report and found AFNI # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts
In XXXX I received a check for a settlement with Ocwen ( a mortage company ) It was made out to myself and my ex-husband. Since I was unable to cash it I called the company and they recommened that I send it back voided, which I did. I waited approx 1 month and then called Ocwen. I spoke to someone in the call center who told me that the check was being reissued and mailed to me in Nevada. I again waited a month, which was their recomendation. I then called again. This time they said the check had been mailed to Utah in error. I told the call center to stop payment and was told why? I said someone will cash it, they told me no one would do that they would get in trouble, I told him someone will try and probably suceed. He told me to continue to wait they would fix it. I waited approx 2 weeks then I recieved a call saying the checks had been cashed. I was told that they would do a fraud investigation. They told me to call back in 2 weeks. I have called and called and they continue to give me the runaround. I left a call back number and received a call back number after about 2 weeks and I was told they were sending the canceled checks which never showed up. I again called and was again told be patient fraud investations take time. I'm still waiting. I think the fraud investation should start with this company.
I received a letter from FBCS Services dated XXXX XXXX XXXX attempting to collect a {$250.00} debt on behalf of XXXX XXXX XXXX. Not only have I never done business with XXXX XXXX XXXX in my life, but the letter is addressed to my middle name. I have not contacted FBCS Services, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
Hello, I would like to file a formal complaint against Wells Fargo Bank. Less than a year ago, my husband and I purchased a foreclosed home from Wells Fargo Bank ( they are listed as the Seller on all of our closing documents ). We were informed that the home came with a home warranty up to {$1500.00} maximum for repairs only. When we tried to use the home warranty for a crack in the foundation that grew significantly bigger over the months ; Wells Fargo stated that they could not identify our home warranty and that a home warranty did not exist. 

It was extremely frustrating because we have contacted the Seller 's Real Estate Agent and he instructed us to contact Wells Fargo. For days we called Wells Fargo and no one could provide a definite answer regarding the home warranty, advice about who to contact or anything. We even contacted Wells Fargo 's Customer Service, Asset Managers, and the Executive Headquarter Office and all we received as an answer was that " someone would contact us ''. No one has contacted us yet. The information that a home warranty accompanying our home is fraudulent and Wells Fargo states that they don't not know anything about it. 

The mortgage is not through Wells Fargo. Wells Fargo sold us the foreclosed home and is listed as the Seller on our Closing Documents. 

Your assistance in looking into this matter will be greatly appreciated.
I had a forbearance with my initial mortgage company. At the end of the forbearance my loan was sold to XXXX. XXXX XXXX asked me to continue with my old payments and did not send me coupons for the amount due at the end of the forbearance. I had paid for about a year and they did n't credit me with the last XXXX payments which were as they said the wrong amount - but kept the money in a holding account. They then refused to accept payments from me and have begun a foreclosure on me. They refuse to work with me in any way. Since then I have lost my job, but am able to make the payment going forward. They claim I owe {$22000.00} back payments. I assert they are acted in bad faith and did not follow the terms of the contract when they assumed the loan. I have further filed papers through their system twice which insist on their format and have been denied twice. I do not have a lawyer to sue them or contact them which is the only way they take calls. I am now being forced to file Chapter XXXX.
Hello CFPB, This is my second complaint against the credit reporting agency that keeps allowing collections to show on my credit report. The last two letters I 've sent the bureaus detailed what happened and included all of the necessary documents to handle the matter on their end. XXXX made multiple attempts to get this fraud case complete ad never with.
My chief complaint is Pentagon Federal Credit Union is in breach of contract for changing their policy on the criteria for removing Private Mortgage Insurance ( PMI ) that was explicitly agreed to at the time of closing on the loan. The Credit Union is changing the terms of the agreement for removing PMI in its favor now that I am finally eligible to remove PMI. 

At closing Pentagon Federal Credit Union provided a document titled ( enclosed ) : " WHAT YOU NEED TO KNOW ABOUT OUR SERVICING OF YOUR MORTGAGE '' In this document, the following policy was stipulated for removing PMI : " PRIVATE MORTGAGE INSURANCE Private Mortgage Insurance ( PMI ) protects PenFed against the risk of loss should a mortgage loan default. PMI is required when the outstanding principal balance of the loan is greater than 80 % of the value of the property securing the loan. The homeowners Protection Act XXXX requires PenFed to provide certain disclosures and notices. The PMI Act requires PenFed to Automatically terminate PMI when the loan to value is scheduled to reach 78 % of the property 's original value, as long as the loan is current. The PMI Act also allows you the option to request PMI be cancelled when the loan value reaches 80 % provided you have a good payment history and the property value has not declined. PMI can also be cancelled after XXXX month if the loan to value reaches 80 % of the " current value. '' In order to cancel PMI based on " current value '' a new appraisal is required. The expense of the appraisal is the borrower 's responsibility. '' ADDITIONAL FACTS : On XXXX XXXX, XXXX, I purchased my primary residence with PenFed as the lender ( enclosed ). 

On XXXX XXXX, XXXX, I sent an email to Pentagon Federal Credit Union to request an appraisal on my primary residence for the purposes of removing PMI from my exiting mortgage ( enclosed ). 

On XXXX XXXX, XXXX, the Pen Fed representative sent a reply email, indicating a 75 % loan to value was required to remove PMI instead of the 80 % agreed to at the time of closing ( enclosed ). 

My Primary Residence : Original Value = {$270000.00} ( enclosed ) Appraised Value on XXXX/XXXX/XXXX = {$330000.00} ( enclosed ) PenFed was the original lender. No refinances were done. A conventional loan was used. This was not a higher risk of default loan. I never received a new Policy from PendFed regarding changes to removing PMI.
I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX
I have a loan with Nationstar Mortgage and my payments go through Mr Cooper. When I took out the loan for {$60000.00}, in XX/XX/XXXX, the loan was only 14 % of the total price of my home. The balance of the price of the home was paid in cash. At the time of the loan I asked to NOT have an escrow account but was told that I had to have an escrow account. In XX/XX/XXXX I called and asked to have the escrow account removed and was told that I had to have an escrow account for one year. I called back one month before the year was up in order to begin the process and was told to call back in XXXX when the year would be up. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX which would be several days after the one year. I called back on XX/XX/XXXX and was told that the one year of escrow had now been changed to 2 years. I asked for a supervisor and spoke to XXXX XXXX who told me that she would file for a waver since the 2 years was a new policy and I had been told repeatedly that my wait would only be one year. XXXX told me that she would call me back right away with an answer. However, it has been 4 days and I have recieved no calls. I have called every day trying to reach XXXX and spoken to several other people. On one phone call I was once told that the matter would be referred to her supervisor, XXXX XXXX, who would call me. However, he has not called me either. I ask for his phone number and was told that his number was unavailable. On XX/XX/XXXX I spoke to XXXX XXXX who told me that she could see in the computer data that I had been told several times that my time line was one year. She was going to try again to reach XXXX XXXX and her supervisor, XXXX XXXX.
XX/XX/XXXX several charges appeared on my bank account that were of unknown origin. Chase bank contacted me to verify the charges. The representative and I verified which charges that day were from me and which were not. All the fraudulent charges took place within a 2 hour time frame. All of those charges were reversed. 
XX/XX/XXXX I noticed a charge for@XXXX from XXXX with a memo referring to XX/XX/XXXX. One of the fraudulent charges were put through again. 
I contacted Chase bank on XX/XX/XXXX and they stated that XXXX claimed the charge was legitimate. I disputed it, only to be told it 's between myself and XXXX since they say it was legitimate. The bank representative stated that my IP address and that of the purchase were the same. I asked him how he would know that information and he ignored my question. I was at work when the charges went through, so there is no way my IP address would have matched. Not to mention there is no way for Chase to know what my IP address is. When I asked again, he told me that XXXX informed them that the IP addresses were a match. When I asked how they would know that, my question was ignored. 
I contacted XXXX on XX/XX/XXXX. They stated that the charge was verified. They told me the address for billing and shipping matched, even though the information they provided me with ( transaction number ) clearly shows a shipping address that is not mine. When I pointed this out, I was informed that the charge was legitimate and I would need to contact my bank to dispute it. I told the person that I did dispute and that my bank says that since XXXX says it was legitimate then that was what they were going with. 
When I asked XXXX about the IP address thing that Chase mentioned, he said the IP addresses did match. I asked him what my IP address was and he could n't tell me. 
He did give me the address that the item shipped to. After he 'd just told me that the item shipped to my address. That address is not my address. When I asked about it, he simply stated " That 's the shipping address you provided ''. I told him that I did n't provide anything because I did n't know anything about this charge. I was ignored and told to contact my bank or the police to resolve the issue. 
I contacted the police and filed a report, but that 's about all that was done on that end since they have n't called me back. 
I 've contacted Chase bank again and told that " as far as we 're concerned, the matter is closed ''. Which tells me they have no intention of doing anything further. 

I 'm at a loss and I need my money back. I ca n't seem to get anyone to do anything about this. I have attached a screenshot of tracking information at XXXX for the fraudulent purchase.
i am not request for credit card from target company on XXXX/XXXX/2016, on my credit report they showing HARD in quire on that day can you please help me to dispute the report because i am ready have the debit card for target i do not need that card thank you very much for you support
We have been trying to sell our motorcycle and we had someone respond to the add. They said they would send the money via XXXX, but they needed to have the bike shipped to them. They were paying for shipping. Then they sent us a text saying that the shipper was messing with them and they needed us to send the shipper {$1100.00} for the shipping fee and he would add this amount on the the price of the bike. So we did send a money gram. Then the next day same story, shipper messing with him and now they need {$1600.00} for insurance, and he would send us the money via XXXX. He wanted us to send another money gram. We went and sent the money, and then came home and sent the email from him to our XXXX account rep and asked if this was legit. They sent us an email back saying it was a scam. We promptly went back to Walmart and cancelled the {$1600.00} money gram. So we got our money back from that one. But the {$1100.00} is still gone. Now he is sending us an email stating it is from XXXX saying that he has reported us to the FBI as a scam. He is using XXXX email information and a shipping company called XXXX. We have tried to contact the shipping company via email, and the email comes back as non deliverable.
On XX/XX/XXXX I submitted {$70.00} + fees on PayPal to XXXX for the purchase of a digital concert ticket. The individual immediately blocked me on all social media, not sending the ticket, yet still took my money on PayPal. It has not given me an option to dispute it through PayPal, but Im hoping thats possible to get my money back.
THIS ACOUNT SHOWED UNDER MY XXXX AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.
XXXX XXXX, XXXXIn XX/XX/XXXX we purchased a manufactured home with Bank of America. We did not receive a settlement packet from Bank of America to offer options. Bank of America financed the home with an interest rate of 8.25 %, this interest rate resulted in {$86000.00} in interest. I have researched the interest rate for 1997, the highest housing interest rate during 1997 was 8.06 %, consumer with low credit scores. We paid all of our bills on time and our credit should have been in very good standing. In addition, enclosed is an article where Countrywide Mortgage Company, a company purchased by Bank of America gave XXXX XXXX higher interest rate regardless of their credit rating and referred to XXXX XXXX as " XXXX. '' We strongly believe that Bank of America performed the exact procedure with us as an XXXX XXXX family. We have struggled on a shoe string budget and have paid over {$100000.00} for this home and still owe at least {$38000.00} on a home that is falling apart. The plumbing fixtures, kitchen and bathroom cabinets and carpet were of the lowest quality. The heating and air units lasted about 5 years after we purchased the home. We are currently using portable electric heaters and window units, which results in extremely high electric bills. 
As an XXXX XXXX family in an isolated rural area, we were seeking the American dream of home ownership, we did not realize that we were being taken advantage of by Bank of America at the time of purchase. We believe that based on Race, Bank of America gave us the highest interest rate to purchase a home that clearly was not worth what we are having to pay. We were not treated fairly by Bank America and was told by management that we would receive an settlement packet. 
Bank of America has sold our home to XXXX XXXX XXXX, we did not receive a contract with XXXX XXXX XXXX XXXX, just a letter informing us where to send the payments. 
Desire Outcomes:1. Receive a settlement packet from Bank of America. 
2. For the loan to be extinguished, because we have over paid for this home. 
3. Refund the amount that has been over paid. 
XXXX
We have never been past due on a payment, Nissan Infiniti has an inaccurate remark appearing on my credit file. I have disputed with nothing being corrected
Fay Servicing has engaged in unfair and improper lending practices by scheduling foreclosure on our property but has refused to provide the specific dollar amount needed to cure the default, thereby making it impossible for owner to make settlement to avoid foreclosure. 

Fay Servicing has also made no good faith effort to investigate owner 's contention that original loan was improperly transferred by XXXX XXXX XXXX ) since it was XXXX of the loans that was part of the National Mortgage Settlement between XXXX and the XXXX XXXX XXXX. 

Fay Servicing has engaged in false and misleading practices by failing to fully disclose all costs expenses and charges included in proposed trial modification, as well as full terms and conditions of permanent loan modification. Fay Servicing also failed to disclose that proposed loan modification would create a negative equity situation for the owner. 

Fay Servicing failed to fairly and properly evaluate owner 's eligibility for XXXX programs established to assist distressed borrowers, and instead insisted that lender 's proprietary loan was the only option available.
Declation of International human Rights Violation I have letter from   XXXX   XXXX   senior vice president, Address to my old address. Like, I stated in my first complaint that American Express discriminated me because of my nationality and American Express knew I had money in the Bank. I had business from  XXXX ,  XXXX ,  XXXX  as   XXXX   XXXX  . and now I received my latest information for my credit.
1.  XXXX - XXXX  FAIR 2.  XXXX   XXXX -GOOD 3.  XXXX   XXXX  VERY GOOD When  XXXX  and  XXXX  made a major mistake intentionally. for put the wrong four digit number on my social security including my wife. both this companies above had copies of my social security. I also send them the discovered of violation of the loan agreement with the   XXXX   XXXX   XXXX  .
 XXXX 
I am requesting the CFPB the Director for emergency legal assistance to assist me to transfer my money in to the   XXXX   XXXX   XXXX   account. this is involved wrong doing with in t he Financial Entity an d American Express, including the   XXXX   Credit agency to covered up the illegal activity within their own office. I never reach  XXXX  score before and I now discovered, I had very good score, according to the score I had with  XXXX . I fax few hours ago to have the Director of CFPB to help in this matter urgently please.
On XX/XX/XXXX I took out a loan with XXXX XXXX for {$1000.00}. I was expecting to receive some money from another source to pay the loan off my the time it was due on XX/XX/XXXX. That fell through and I ended up having to renew the loan instead. I went to the office to inform them of this they said no problem, just make payments. I asked if I needed any additional paperwork. I was told just make a payment, after receiving a letter from them by mail telling me how much. Well, I have made my payments every month for 7 months. I have been late a couple of times, but I was told to just come to them in person, before the due date to arrange a late payment, which I did each time. I was never given any additional paperwork, except payment statements, by mail. They would just put what day I was going to pay in the computer. I have paid a total of {$1300.00}. I have a XXXX XXXX XXXX. I have tried several times to get other companies to pay off the loan, so that I can get out of this mess, but they all told me that my car is only worth $ XXXX {$900.00}. Therefore they could not help me. I just continued to make my payments and I am current on the account, but they still say I owe them {$930.00}. I will have paid them over {$2000.00} for a {$1000.00} loan. I never signed anything agreeing to pay that much for the loan, I just defaulted into monthly payment, due to not being able to pay it back all at once. On XX/XX/XXXX, I called the office to speak to somebody about a settlement. I basically got the run-a-round and was told that I would be contacted later, but later never came. I understand that when you borrow money, you have to pay it back, but they are really taking advantage of people and bleeding them dry. Something has to done about this. This has put me in worse shape than I was in the beginning. The monthly payments range from $ XXXX $ XXXX/month and the day it's due changes. I feel that I have paid enough and the loan should be consider Paid-In-Full and I should get my title back. I will NEVER do business with them again!!!
I have no idea, nor could XXXX tell me why or how this account was opened. I never agreed to pay for money I never borrowed!