WillisBack/dataset-financial-user-claim huggingface dataset:
I took out student loans through the XXXX in XXXX roughly to help me pay for my degree. They suggested I take out loans with XXXX who was the number one provider in student loans at the time. I did n't finish school and XXXX started hounding me for money that I owed them. They kept defering my loans as I was unable to make payments. After I finished with XXXX XXXX Application ) they expected me to pay them within two weeks of graduating. I was able to push the due date back to 30 days as I felt it was wrong of them to charge me so soon after graduation. My mom and I worked with them to put me on an income driven plan that had to be renewed every 15 months. Towards the end of my second term of the 15 month plan, I was so fed up with dealing with XXXX who had become Navient, that I wanted to refinance my loans and get them out of their hands. I contacted XXXX who told me they would buy out both my federal loans and my private loans and reduce my payments. They told me not to contact my creditors as this could slow down the process. I did as they asked. In XX/XX/XXXX Navient was able to contact me and verbally threated to use my high balance credit card to bring my account current. I contacted Navient in XXXX telling them to stop the payments as they were being bought out. Needless to say, I received 6 months of delinquent charges from Navient because XXXX did not pay my loans on my behalf as they were supposed to. I got in contact with the Minnesota Attorney General 's office to get a full refund so I could bring my loans current. I received a partial refund, and was able to bring the accounts current in either late XXXX or early XXXX. I asked Navient to remove the delinquent charges, which they stated they could n't. They suggested I write to the credit bureau and ask them to remove the charges. I received a call a week and a half later from Navient saying there was nothing they could do. Every time I 've talked to Navient, they are rude and are unhelpful. All I want is the delinquent charges removed as I was doing what I was told by a 3rd party company, who stole hundreds of dollars from me. I 'm including letters I received from the Attorney General, as well as some of the emails I have sent to XXXX asking for a full rend.
There was not an option that fit my situation. 

I had a credit card with Capital One Bank. I got behind and was not able to continue to make the payment. The debt was sold to to XXXX XXXX XXXX XXXX. They turned around and filed for a judgement at the XXXX County Magistrate. Upon recieving notice of this filing I reached out to XXXX XXXX to investigate what this was about. I called them on XXXX/XXXX/XXXX. They informed me it was for the Capital One Credit Card that had a balance of about XXXX. We settled on a payment of XXXX. I made the payment over the phone at that time using my debit card. I requested that proof of payment be sent to me via email at the time and they stated that it was a process and they would get the process started within 48 hours. Two days later I called to get an update on the proof of payment and they stated that they would send it out. This went on for about three weeks and they still never sent the proof of payment. They verbally reassured me that the file was closed and that they reported it to the Credit Bureaus. 

In XXXX of XXXX, over one year after I had made the payment on XXXX/XXXX/XXXX I received notice from XXXX County Magistrate Court that a Judgement was granted to XXXX. I was stunned being that I had already paid it. I called XXXX XXXX and let them know that they needed to correct this. At this point the judgement was appearing on my credit report. In late XXXX of XXXX I received a Certificate Of Service stating that the Judgement was satisfied on XXXX XXXX, XXXX. This was well over a year after the payment was made. 

Last week I applied for an auto loan at my credit union and was denied because I had a judgement reporting on my credit. I called XXXX XXXX and they stated that the file is closed and that they can not do anything about it. I kept calling and the sent me to the voicemail of their attorney ( XXXX XXXX XXXX ) that was handling the case. He still has not called me back. 

Today I called XXXX XXXX and they told me to go to the Magistrate Court and ask them to help me. When I went down there the clerk said that they can not do anything and that it was already filed. 

XXXX XXXX refuses to help and take the proper steps to correct the mistake that they have made. I have been hung up on, put on hold until I got tired and hung up and been sent to eronious voicemails. These people are very aggressive in obtaining payment but once the payment is made they do not honor their word and make sure that the file is properly closed out. This infringing on my quality of life. 

I have attached the following documents : 1. Statement of Payment History : This statement will show that that I paid off the settled amount of XXXX on XXXX/XXXX/XXXX. 

2. Default Judgement Order : This shows that the judgement was rendered on XXXX/XXXX/XXXX. Almost two months after the payment was made. 

3. Judgement Satisfied Certificate of Service : Well over a year after the payment was made and they send me a Judgement Satisfied letter. 

4. Proof of Payment showing a XXXX balance. 

I was finally able to get somebody to send me the documents that I am uploading today. But it was after days and hours of phone calls.
Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I have a home equity loan with American Financial Resources ( aka eLend.com ), serviced by XXXX XXXX. My loan allows additional principal payments. However, submitting additional principal payments proved to be quite difficult. On a number of occasions, XXXX applied my payment intended as additional principal, to the next month regular monthly payment instead ( which obviously defeats the purpose of making an additional principal payment ). Each time I reached out to them to request a correction, using their web site ( XXXX ) and/or the customer service line ( XXXX ), and each time I had to make one or more follow up calls before correction was made. What 's worse, at least on two occasions the correction was made in a way that made the payment history section on their website for my account very difficult to understand, and on one occasion my account was about {$900.00} short. 
While those errors eventually got corrected, I am in a similar situation once again. On XXXX/XXXX/2017 I made a payment that was intended as additional principal payment. XXXX applied it as my XXXX payment. On XXXX I reached out via their website and requested a correction. Their website said someone will respond in 5 business days. On XXXX there was still no response, so I called their customer service line. I was told the correction will be done within 8 days. Yesterday XXXX - still no correction, I called the customer service line again. Same thing - no explanation why it was n't done in 15 days, and they ask me to give it another 3 business days. This is obviously unreasonable, and amounts to denying me a possibility of making additional principal payments.
On XXXX XXXX, 2015 we visited Bank of America Branch in XXXX, CA. 
I wanted to access my safety deposit box. 
For 45 minutes the clerk " XXXX XXXX '' was unable to locate my safety deposit box. Although the week before I was at the same branch where I had retrieved the documents from the safety deposit box but on that day I was planning to return it. 
Then the manager named " XXXX XXXX '' approached us. She was very abrasive and rude. My XXXX year old son was getting upset and crying. I asked XXXX XXXX to lower her voice and be polite. She was not been polite and continued her abrasiveness and aggressive behavior towards us. 
She even claimed I have no safety deposit box. 
Then after an hour they found my deposit box which they admitted they had written all my information wrong. 
I did file a complaint right there and did let them know that their unprofessional behavior is not acceptable. 
Their incompetence caused my son and myself a great deal of stress and discomfort. 
She said contact their Area manager. I called XXXX XXXX XXXX numerous times. he never returned my call.
I received a notice from a credit monitoring service that changes had been made to my credit report. Upon viewing my credit report, I discovered a negative report of an alleged debt. I have never received ANY communication from STELLAR RECOVERY INC that reported this alleged debt. ( Reported Since : XX/XX/2016 ) This debt has NOT been Verified or Validated, Nor did they send me ANY notice of a right to dispute BEFORE reporting it to ALL XXXX major credit reporting bureaus!!!
Merchant acceptance is calling my employer, demanding my bank account number, and making threats to have my wages garnished over a debt that is not mine. I have talked to the company several times and they are making no effort in trying to help the situation or come up with a resolution. They call me on average 3-5 time daily. .. I've asked that they not phone me, and to contact me only by mail. That has not stopped the harassing phone calls.
I was in the hospital multiple times ( 3 ) i was not a minor, My father said he would have my bills put on his insurance and he was there 2 of the 3 times i was at XXXX XXXX   XXXX XXXX in XXXX Tn. The first time he went there and gave them the insurance card to get this resolved before they billed me. I have recieved multiple letters and calls from them stating that i owe XXXX . My father keeps telling me he will get this fixed but i just recently got approved for a credit card to start building credit, as im only XXXX years old and i allready have 3 derogatory marks due to this. I do not want this to hurt me or my credit, especially because i just started trying to build my credit. The dates are XX/XX/2018 for XXXX   . XX/XX/2018 for XXXX  . And XX/XX/2018 for XXXX  . If you could help me this would be awesome.
XXXX sold my loan to Seterus effective XXXX XXXX, 2016. I was in the middle of the loan modification process at the time. Seterus has completely disregarded my account along with the modification. I have since received letters from them stating I do not qualify for the modification since my change in situation does n't seem permanent. I wonder how they know that when they have not even looked at the modification packet nor have they ever contacted me. I thought XXXX has hard to work with but Seterus seems even more incompetent. I want the loan modification packet to be considered and if that is not an option, I want to pay for a mediator to review the file, starting with the original lender XXXX, so as to bring forward the truth in lending scam that I was part of along with their mistake of processing the XXXX. I have a letter from the lender stating they misplaced records and failed to modify. However, the Courts let XXXX out of the boiling water when they allowed the bankruptcy to proceed with bailout funds.
In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Starting in XX/XX/XXXX I was a recipient of Citibank CitiAssist loans for my education at XXXX XXXX College in XXXX. In order for a Co-Signer to be released from my loans according to Citibank Policy, I needed to make on time payments for the first 48 months of my repayment plan. The first 48 months began when I was one year out of school. At that time I was just beginning my career and making an entry level salary. There was no way I could possibly make a {$600.00} per month payment as I had rent, bills and other federal student loans. Citibank was unwilling to work with me to lower these payments. This policy offers new graduates no chance of releasing their co-signer who could in turn assist in the refinancing of of these loans from a 3rd party. This practice keeps loan recipients in a hole of debt that is impossible to work out of independently. It is a poor and predatory policy. 

I submitted a request to release my cosigner which was denied several times. On XXXX/XXXX/XXXX I faxed a dispute and CC 'd The CFPB. I received a letter yesterday XXXX/XXXX/XXXX denying my request to release my co signer based on the 48 month policy stated above. This letter is attached. 

Also attached is my payment history. You will see that since XX/XX/XXXX I have been making full and on time payments ( with the rare and extreme exception of a 2 day delay ). You will also see I have made small additional payments towards my principal when possible. 

Base on my PROVEN ability to make my monthly payments, I want my cosigner released from all loans with citibank.
I have been paying late charges on my mortage with Chase Home mortgage. I have paid late fee from XX/XX/XXXX until XX/XX/XXXX. I have contacted Chase several times within the last three years to resolved this matter .My first contact with chase was by telephone 0n XX/XX/XXXX, I spoke to a XXXX XXXX XXXX he waived the late fee due to me making two payments in XX/XX/XXXX. One on the XX/XX/XXXX and XX/XX/XXXX. I thought I had resovled the issue. However, this was not true in XX/XX/XXXX I was trying to make my regular payment inside the local branch and was told I had a late payment and need to resolve the issue. I made the payment. This cause me more confusion. I have been paying late charges every month. This has cused me three years of stress and worries.
I authorized a Wells Fargo XXXX account to be opened in my name with my previous employer. When I terminated my employment I had meant to keep the account open until the FINAL employer match was deposited. I started receiving letters stating a 'forced IRA ' was opened in my behalf. Whom authorized this? I was n't given a time limit on rolling the money into an IRA. Assuming the money was still in my original XXXX I called Wells Fargo to get a check remitted to my current bank where I 'd opened up an IRA account for the retirement money. I was told that the XXXX was still open, but the money was n't there! Instead, it contained the last remittance from my previous employer. What?! I was able to close the XXXX account and have the balance sent by check to me, which I will have to pay taxes on. The bulk of the money was tied up in an account I NEVER OPENED! How do I get MY money? I have to open the IRA account. In order to do that, I have to not only sign an application, but I have to prove my identity! You 've got to be kidding! That form has to be notarized and sent back in the envelope provided in which I have to provide the stamp! Once the account is open I can access MY money. Did I earn any interest on this money in this time frame? Probably not! 

I signed the form to open the account, I sent the proof of identity notarized, now I have to painstakingly call back someone at Wells Fargo to make sure that happened. I feel that I will most likely have to spend yet another hour to close the account I NEVER AUTHORIZED to open! Sad, frustrated, out time and money and still looking for MY money in XXXX!
On   XXXX   XXXX   XXXX   XXXX  , notification  ( via email on the loan servicing site ) was received that a private student loan serviced by Discover would be increasing in interest rate from 3.25 % to 3.5 %. When logging in on  XXXX / XXXX / XXXX  to make the required monthly minimum payment of {$230.00}, the minimum payment shown was instead {$370.00}. Called Discover, they explained that the 63 % increase in minimum payment on a loan with a {$3600.00} balance was due to the increase in interest rate. When challenged, I was put on hold and they came back to state the following : we noticed you were making extra payments on the loan, so we changed the terms of the loan. You now only hav e 10 m ore monthly payments to make. This increased your required monthly payment to   XXXX   XXXX  /month.     Is it legal to change the terms of a loan without notification and agreement from the customer? Making extra payments does not imply consent to decrease the loan term. It also does not imply that I will always have extra money to put toward the loan each month and am agreeable to these new terms. Telling a customer the increase is due to a 0.25 % increase in interest rate on a loan with a {$3600.00} balance and 8 years left in the term is not truthful or logical. When the interest rate went from 3 % to 3.25 % in    XXXX   XXXX   XXXX  ,  and the balance on that loan was {$9600.00}, the monthly payment increased by {$1.00}.
Got divorced XXXX of XXXX, first payment fell behind in XXXX XXXX. I am trying to sell home and have been requesting assistance since XXXX XXXX to obtain Short Sale status on the property. I have spoken to numerous representatives and been given different answers each time. I was told in XXXX XXXX that I was able to list the property as Short Sale-then XXXX XXXX found out that still has n't happened and was served with foreclosure paperwork. I gave all my info on the phone to the rep XXXX in XXXX and was told I did n't have to do anything else -- now I have been told I have to submit all this paperwork for assistance ( that has been sent as of today ) and now I have been given summons for foreclosure and still ca n't list home as a short sale. I am trying to do right and sell the property so I can move on with my life and I am not being helped! I feel like I have been misled and given false information for months, resulting in devastating deficits to my credit report and now facing a lawsuit. Also, per the foreclosure summons, a notice was sent to my ex-wife regarding this matter, and she is not on the lien or mortgage, and I believe Chase has violated the Fair Debt Collections Practices Act by disclosing my information to an unauthorized third party. Our marriage was dissolved in the courts in XXXX XXXX and her name is not on anything related to this property.
I was called without warning and my card was suspended immediately despite my account being in good standing. In an era of apps and automatic monthly fees for everything from groceries to car sharing this is completely disruptive and damaging. 
The reason? A 'credit review ' So I followed the request for an IRS form that same day. 
I called that day and receipt was confirmed and the Amex rep reviewed the form and told me everything had been completed according to instructions. 
I called several days later and was told the IRS had accepted my form and that the review should be completed that week. 
The form requested was my XXXX which documents a significant income. 
Despite reassurances we are now 3 weeks without access to the card and there has been no response. 
Various apps and services are now all requiring being shifted to other payment methods
For almost a year, I have been filling our paperwork sending in information on getting an IBR payment plan. For the last 6 months, I either did not receive any notice of denial or when my denial came it was little things that they did not find in the previous applications. For instance, they denied my one application because my husband did not sign it ... but he actually did. However, they did not contact me until after the 30 day time frame so I had to resubmit. Then they denied it again because I checked an extra box, but they did not tell me that was the issue the first 3 times I submitted. After resubmitting the last time a month ago, I have not heard anything from them except to demand the loan in full. I have sent all my paperwork in over and over again and still they refuse to work with me and each person tells me something different. Even with a third party on the line trying to help ( XXXX XXXX XXXX ). At one point I asked them to verify the date they mailed off the letter I am defaulting on loans that I want to pay, just at a lower rate. Unfortunately, they made the process so tedious and difficult that it has made dealing with loan harder than it should be. Even after the letter demanding the full amount of the loan I get an email saying my forbearance is excepted. I honestly do not know what to do any more.
Under the Law effective XX/XX/2017 any public record data must include NAME and ADDRESS as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new Law true Bankruptcy listed does not include this information and should be deleted from my credit report.
afni, inc. sent a letter stating I owe money to XXXX XXXX and to pay to their company ( afni ). I contacted XXXX XXXX and my account has been closed for 2 years with no outstanding balance.
I checked my XXXX link went to transunion then to changes and found these inquiries that was added to my report that I did not apply for than it was removed, I never got a notification from transunion of these inquiries happening
I received a collection letter from American Coradius International LLC ( ACI ) stating that I owe XXXX {$480.00}. As of today I have a XXXX balance in my XXXX account. I called ACI to discuss the letter but my call was dropped before I could speak with a representative. I called XXXX and informed them of the letter and XXXX is investigating after confirming I owe XXXX no money.
With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent
I filed a complaint re charge on XX/XX/XXXX. Received letter on XX/XX/XXXX that understand you now recognize the transaction and wish to cancel the fraud case of {$220.00}. This is totally false. Have called several times and told it will be taken care of. To date, it has not been taken care of. Today been on hold for over 1 hour trying to resolve dispute and now trying to cancel card.
the United Consumer Finance company keeps harrassing me twice a day for the past year They keep calling me and threating me for being 1 day late not even 30 days late. This is very fustrating.
Discover personal loans does not maintain accurate financial information if accounts. 

The also employ deceptive practices to sell loans to customers which in reality appear to be credit accounts or credit cards with no fixes amortization schedule. The payoff changes with, extending the monies due and term without notification or authorization. 

Numerous payments ahead or on schedule does not reduce the principle balance. Numerous times have occurred where no principe or interest applied to the payoff balance. They are unwilling to account for the discrepancy or respond in writing for forms request. 

Agents have stated that customers who paid up to a year in advance are charged additional daily interset as common practice. 

No response from the company and lack of any responses, let alone valid information about accounts leads me to believe that have an unethical culture and are intentionally hiding fraudulent and unlawful practices.
I need for fedloans to update my payment history on my credit report. my loans was in the deferment status