WillisBack/dataset-financial-user-claim huggingface dataset:
I made my XX/XX/XXXX payment plus extra in the amount of {$450.00} to Navient XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. The check was cashed on XXXX/XXXX/16. Navient Solutions has sent me a bill stating I am past due for my XX/XX/XXXX payment. When I called I was given an explanation routed to a supervisor, but disconnected twice before being speaking to the supervisor. After 1.5 hours of trying to call Navient, a supervisor finally called me back. She proceeded to give me a third explanation of what happened, which includes insisting I mailed my payment to an address other than the one above. Navient acknowledges receipt of my check and cashing my check, but because it was sent to another address for Navient, Navient is issuing a refund which will take 60 days to receive. Until then I am past due or I could give false testimony and claim I have a financial hardship and agree to pay any late fees and interest. I am a lawyer -- I will not give false testimony. I do n't know how the check could have been routed to an address I do n't even have.The first representative stated Navient re-routed it while the second representative and the supervisor insisted I mailed it to some address that I do n't have and both confirmed I had the correct address when I provided the address above. I do n't think my credit should suffer because of Navient 's incompetence.
I had an Amazon store card. The card was sold to Synchrony Bank. Synchrony bank repeatedly failed to send me paper statements. I missed a payment due to lay off and they would call me in excess of XXXX times a day. I have since brought the account current but their relentless harrasment and terrible customer service and communication has caused me tremendous stress and anxiety.
XXXX and Transunion are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet XXXX and Transunion has yet to removed from my credit files.
On or about XXXX XXXX, I applied for a loan at XXXX XXXX XXXX XXXX. I have a very good credit record and a high credit score. 

I was denied credit on the basis of an Equifax report that there was a fraud inquiry regarding my credit report. When I called Equifax to get to the bottom of it, I was asked to send them a photocopy of the Social Security card and my driver 's license. I gave them every piece of information requested, except as to the copies, I refused. If his file was already the subject of fraudulent activity of some sort, why would I trust Equifax to secure images of my Social Security card and driver 's license? In addition, I believe that it is a violation of federal statute to require someone to use their Social Security card as identification. Consequently, the report stands and I am unable to get credit from XXXX XXXX XXXX. 

The copy of the report that XXXX XXXX XXXX got is attached with my SSN redacted.
I have sent several disputes to XXXX, XXXX and Equifax for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but  XXXX, XXXX and Equifax states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with Equifax. 2.XXXX keep stating XXXX XXXX Credit Card is verified as Open when my dispute clearly states that it is to be charged off  with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along
In XXXX XXXX I became a victim of predatory home loan lending when I secured a home equity line of credit with XXXX XXXX Loans. XXXX XXXX XXXX purchased XXXX Home Loans & subsequently transferred my Heloc loan to a company called Realtime Resolutions. I have contacted this company to offer a settlement of 10 % of the loan balance even though the loan was made available to me by XXXX using the following predatory lending techniques ; stated income in an amount that exceeded my real income at the time by more than {$5000.00}, using only my name on the loan and not both my husband 's and my name on the loan, and using an inflated home value created by XXXX real estate appraisal company called XXXX. In XXXX, XXXX XXXX XXXX through XXXX approved a Principle Reduction on my primary loan based on the true fair market value of the property. A principle reduction or extinguishment of the Heloc loan should be awarded me based on the unfair & predatory lending procedures used by XXXX when to award me the loan. I recently addressed this issue with Realtime Resolutions and was told by XXXX XXXX that there were no updates from XXXX XXXX XXXX regarding any settlement awards being offered to those customers whom XXXX XXXX XXXX had transferred Heloc loans to Realtime Resolutions for collection activity. I spoke with XXXX XXXX XXXX customer service and was told to contact Realtime Resolutions to seek a settlement offer. I am truly getting the run around between XXXX XXXX XXXX & Realtime Resolutions to have the Heloc loan settled under the same terms as the primary loan via the facts of the lawsuit won by the XXXX against XXXX XXXX XXXX in XXXX & in XXXX of XXXX. Please assist me in requesting that the Heloc loan assigned to Realtime Resolutions for servicing and collections be transferred back to XXXX XXXX XXXX since XXXX XXXX XXXX is the owner of the note and should apply settlement provisions to this note as were provided to the primary home loan via the XXXX lawsuits. The burden of not settling this loan either by extinguishment or by agreeing to a 10 % settlement results in my debt to income ratio being horribly distorted, having a continual decline in credit scorings & ratings by the XXXX major credit bureaus, being offered consumer credit at very high rates up to & including high interest rates on car loans, credit cards, insurance payments and the denial of credit offerings. In addition Realtime Resolution continues to negatively report on this account to all 3 major credit bureaus.
TRANSWORLD SYSTEMS INC is reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV from the company and I do not have knowledge of this debt. I work very hard at keeping good credit and this collection has significant effects on my credit file
XXXX XXXX attempting to handle the debt.. attempting to get out of default Im forced to rehabilitate the loan with this company XXXX  .. for college that irony is in XXXX for miss leading in people I was like to Im attempting to try to dispute that yet XXXX  is tagging on additional fees {$6000.00} worth of fees .. they are not giving me the option to try and rehabilitated and when I sent over my tax return to try and do something Im not getting any return calls back and no one answers the phone
I agreed with Sallie Mae to withdraw auto payments from my account so I can get a reduction on my student loan interest. My many months they have failed to withdraw money from my checking account making my student loans higher with accrued interest and fees. I called many times and online it says that Im enrolled in auto debit but they dont withdraw the money making my loans higher in accrued interest and my payments higher to a point that I cant afford it. Every month Sallie Mae is suppose to take an amount of XXXX dollars from my debit card and they dont. Now I have accumulated fees and interest. Im tired of calling them and solving the issue every month. Sallie Mae is affecting my peace of mind and well being with this issue. I want to pay my student loan and I would like to see my student loans being pay off.
I have a mortgage loan that is serviced by XXXX XXXX XXXX. XX/XX/XXXX, I contacted XXXX to inform them that I was switching home insurance carrier and that I would be paying the annual premium of XXXX. I requested a new escrow analysis to determine my new payment amount. In addition, I send them a check for {$1900.00} to reimburse them back for the payment that was made to the previous XXXX carrier. As of today, I have not received a copy of the new analysis or what my new payment would be. I contacted XXXX again on XX/XX/XXXX. I spoke the CS manager and she manually calculated the new payment to be XXXX, however I informed her that the online statement was XXXX. I requested XXXX   reimburse me back the XXXX which was authorized and I would receive the funds in 5 business days. I have grown frustrated with the XXXX due them not being transparent about what my new payment will and the more importantly, the fact that they are still taking including the XXXX in the total monthly payment, even though I paid the full annual premium. The told me that if I pay the premium amount, a new escrow analysis would be conducted and my monthly payment would be reduced and not include XXXX. I felt like they have misinformed me and haven't not very helpful or transparent in addressing my concerns.
All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.
A collections from AFNI, Inc. showed up on my XXXX credit report this morning dropping my score XXXX points. I am currently in the process of buying a house and this will cause delays as well as other issues. I called AFNI and they could not tell me what this debt was for other than I had paid off a collections to them in 2013. I was then told a supervisor would be in contact with me shortly to address this issue. No contact as of yet ... .. I feel as though I may need an attorney as this seems to be a reoccurring issue with this company..
This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
I am the cosigner on my daughters student loan. Originally a XXXX XXXX XXXX Select Student Loan. 
It has since been passed on to American Education Services ( aes ). I chose to do automatic withdrawal 's which I was told would allow a .25 % discount to my interest rate. 
Because it is a variable rate I never really knew if I was receiving it or not. There was no indication on my statements. I have gone back through my statements and have added up the portion that was indicated as principle payment. My figure does not match the figure on my current statement. I do not trust that they have my best interest in mind and that their paperwork is correct.
I have asked this company to stop contacting me and they continue to call me everyday, several times a day and today they called me at XXXX pm.
I have tried on several occasions to get the XXXX XXXX XXXX XXXX to rebill my insurance company for the {$1900.00} they were initially charging for the XXXX XXXX XXXX I had done. Instead of them doing so, they hired an collection agency to harass me. I called XXXX XXXX XXXX XXXX this morning to get to the bottom of this and the first rep I spoke to told me that if I did not pay they would sue me! I had insurance and called Arkansas Medicaid to verify it. I even called the Medicaid Claims department and grievance department. I was told by the grievance department that the hospital failed to submit the claim with an extension or with a XXXX referral. This couldve all been solved without the threats and headaches I received.
I graduated in XX/XX/XXXX from graduate school and have my student loans serviced by Edfinancial. On XX/XX/XXXX, I received an email from Edfinancial that my account was " 11 or more days past due ''. However, I had not received a statement and had no information on my account as to when the original due date actually was. I paid the amount due on XX/XX/XXXX, and a day later on XX/XX/XXXX received an email on that my account was " 45 or more days past due ''. I called the company that week and stated that I never received a statement prior to any deadline and could not find a deadline anywhere on the website, but regardless paid the amount they said was due. The Edfinancial representative then told me that these messages were sent to me in error, and that I did not have any amount due, nor any amount past due, despite receiving these two official emails. They also stated they submitted a request to ensure that I receive monthly statements. However, on XX/XX/XXXX, I then received three emails stating that my " in-school deferment request has been approved ''. Again, I graduated in XX/XX/XXXX. I am not currently in school. My status is still as " graduated repayment '' but my first due date is n't until XX/XX/XXXX. I have not asked for anything special here ; simply for the company that holds my student loans to be accurate and forthcoming with when and how much I owe along with my repayment/deferment status.
Hello, I have been harassed for multiple years due to a previous XXXX XXXX XXXX Credit Card account via XXXX XXXX, closed in XXXX. I have submitted multiple BBB complaints, as collections agencies stating they are working on behalf of XXXX XXXX XXXX  have harassed not only myself but many others regarding this issue. 

- XX/XX/XXXX: Paid remaining balance on card. Paperwork discarded after 7 years ( XX/XX/XXXX) - XX/XX/XXXX: Account recorded as closed ( according to recent calls ). In XXXX, I was told the account was marked as closed in XXXX. ( Since I discarded all records, I personally can not confirm this information. ) - XX/XX/XXXX : Began receiving collections calls. Settled debt due to no record of payoff. Kept record of settlement. Collection agencies harassed myself, my sister, a former college roommate, my ex-husband, and my ex-husband 's first wife. Possibly others that I do not know about. 
- XX/XX/XXXX : Harassing calls continued to myself and others mentioned previously ; complaint filed with BBB, FDIC, and CFPB ( Case number XXXX ) - XX/XX/XXXX : Harassing calls to myself began again from multiple collections agencies. 

I am currently on long-term XXXX due to XXXX. The additional stress of receiving harassing calls is impacting my mental health. I will be forced to file a lawsuit against Victoria 's Secret and XXXX XXXX if I ever receive another call regarding this matter. 

Thank you, XXXX XXXX
I paid my car off in XXXX of this year, got my title no problems and now I have a problem with my credit report saying I was delinquent for 90 days I called them and she said she saw nothing wrong and told me to report it so she could fix it. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Co. 
XXXX
Bank transferred money on the XXXX XXXX to my account with Coinbase ( over 300 to be worth of euros ). It was sent before XXXX, and the money was out of my account the same day. Their company says it will take 1-3 working days. On the XX/XX/XXXXand XX/XX/XXXXI emailed them asking where the money is, and how long until it is in my account. I have heard no response back from them, and it has almost been a week since I sent the money. This massive delay in transactions has cost me greatly, both in missed opportunities for investment ( $ 3500+ worth lost, due to this delay ) and the worry that has been caused from it all.
I have taken basic community college level it security courses and Equifax ( a company I am required to let have my information ) failed to implement rudimentary procedures that I know of. I know have been exposed and have to put additional burdens on myself and my family because of the error they made. I have to pay to freeze my accounts, I have to pay to freeze my wife 's accounts. My information is available forever to any thieves that want it. In addition, the company took almost two months to fess up to the mistake that is XXXX  level and should not be tolerated, let us not forget that top executives in the company were able to cash out stock well before this information became public.
JPMorgan Chase Bank , N.A . first had my student loan account. Recently, the servicing for my loan was transferred to XXXX. I have had automatic debit for the lifetime of the loan. A letter was sent informing me that XXXX would service my loan and my information from direct debit would be transferred to XXXX. XXXX successfully withdrew my payment for the last few months. I recently received a letter instructing me to update my direct debit information online with XXXX to avoid any issues. As instructed, I went into the AES website and updated my information. Today I received a letter from XXXX XXXX informing me that JPMorgan Chase Bank , N.A . has referred my account to collections because it is 14 days past due. Again, I have never been delinquent. I have always been a direct debit client. Even if I HAD been delinquent, what sort of company refers an account to collections after 14 days without first informing the client that they have missed a payment?
Springleaf Finance have XXXX hard inquiries on my credit report viaXXXX XXXX who matches you with a creditor. They were not suppose to put hard inquiries on my file. XXXX preapproves you before you get to next step. I applied to this company XXXX time in XX/XX/2014. Now I have XXXX hard inquiry. False advertising. I tried talking with them about the problem, but theyRefused my rights as a consumer and would not listen to what I said. Please notify these companies as it has impacted my credit score.
I 've tried several times to get into the student loan forgiveness program and Navient has denied me each time. I work for a XXXX XXXX and I was told that the forgiveness program could help. But Navient denied me access to the program.
My wife applied for a medical health loan through XXXX XXXX XXXX. Her loan application was accepted. The problem I have is that I received an email from Lending Point LLC telling me that I was denied for a loan from them and I never applied for one. My wife applied solely in her own name. Apparently Lending Point, XXXX XXXX, XXXX XXXX and XXXX are all affiliate companies. I do have an account with XXXX XXXX and I am not sure how my information was shared between these companies, but, I do know that I never applied for a loan at all.
My urgent matter involves foreclosure I 'm a young XXXX XXXX in the process of trying to get a XXXX and save my home at the same time but it has become overwhelming. After being XXXX retired the military terminated my BAH ( Basic Housing Allowance ) and since then it 's been hard for me and my family. On or about XX/XX/XXXX I was almost 3 months behind on my mortgage and I tried to pay for two months of payments and they refused to take the payments and they then stated they could n't help me until I was three months behind. My lawyers have submitted documents to request a loan modification but within a 2 month period they state that I make too much or not enough. I now have a sale date of XX/XX/XXXX. So its clear they have no intention to honor a loan modification. I received a loan modification on or about XX/XX/XXXX but it was still a financial burden. I excepted the terms because they stated If I did n't it they would terminate the loan modification and I would have to start all over again. As a XXXX XXXX veteran I 'm not suppose to pay property tax but they still charge me. In addition, we had a certified forensic loan audit which depicted fraud on the loan. Our XXXX report revealed our note was split-apart or fractionalized, as separate accounting entries and deposited ach Class is insured up to 30 times the face value of each Note therein, which is permissible under the Federal Reserve System. I have no problem providing forensic audits and securitization reports. I want justice and my home. Freedom is n't free!!
I have a Chase credit card. I initially set it up for automatic payments of the minimum amount due. Chase contacted me telling me that they need to change my credit card account number and they sent me another card. Since then I have been belled for {$60.00} of late fees. This account was set up by myself for automatic payments but the payments stopped working. The amounts are {$25.00} in the XX/XX/XXXX cycle and {$35.00} in the XX/XX/XXXX cycle. I want to recover these fees and interest and also complain formally since this it the second time that they have done this since I have been a card holder.
I mailed a certified letter to Capital One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to provide me with proof that they provided the Credit Agencies that this account was not lost/stolen and charges were from Identity theft and they have failed to do so. They keep sending the following letter ( attached )
I received a loan for XXXX in XXXX. I have paid XXXX two weeks in every month starting in XXXX XXXX. By now this loan should be paid off. XXXX now is charging excessively and the next payment they said is due to be taken out XXXX/XXXX/16. There number is XXXX XXXX. XXXX XXXX. My name is XXXX XXXX XXXX. They are operating name is different it is owned by XXXX
I opened the account in XX/XX/21. I called before opening the account to ensure any fine print. They told me that I have to purchase the entire {$1000.00} in one transaction which is not clear from their attached promotion image from their web page at https : //www.homedepot.comXXXX. I made a single transaction purchase but they ended up giving me only {$25.00} which is the amount if I did not cross {$1000.00}. They told me that I ordered on two different dates - looks like their standard message. I told them I have the Home Depot order where I ordered 2 items with a total > 1000. 

On my first call, they said they will correct and I have to wait. My payment date was in XXXX and I was curious why they delayed by an additional month. 
Second call after 2 weeks in XX/XX/XXXX - they started saying they didn't have records that I ordered in one transaction. Then after an hour long call they check my original order and confirm that I ordered as per the promotion and should get {$100.00}. 
I called again today. This time, they have no idea and recall no prior contact. This time, she says I am not getting {$100.00} instead they will give 18 month no interest promotion. This is not there in any promotion in the website. They have a 6 month free interest and a {$100.00} promotion. 

My conclusion is either Home Depot or CITI bank is not acting ethically and must be brought to the public. The support person even closed my account.