WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I applied for and was granted XXXX private student loans totaling {$49000.00} from Sallie Mae to cover expenses associated with my undergraduate education at XXXX University. I deferred payment on these loans until my graduation in XXXX and began making payments on the loans in XX/XX/XXXX XX/XX/XXXX. On XXXX separate occasions during repayment of the loan, I requested and was granted forbearance periods and resumed making payments at the end of these periods. In XX/XX/XXXX, as I was preparing to make a career change, I requested an additional forbearance period from Sallie Mae. I was directed to a customer service center that was clearly located in a country other than the United States to complete the forbearance request ; it was extraordinarily difficult to understand the Sallie Mae customer service representative, but I believed I was able to convey my request and was told my forbearance request had been approved for XXXX months. I was advised that this was the last forbearance period available on my account. 

At some point thereafter, Sallie Mae apparently sold their student loan servicing to a company called Navient. By this time I was under the impression I was in a forbearance period, had moved, and was in the process of starting a new job. In XX/XX/XXXX, I began receiving voice messages from Navient, but they were not specific as to why they were calling and rarely left voice messages at all ; they did, however, call incessantly. They even contacted family members but did not state why they were calling. In XX/XX/XXXX XX/XX/XXXX, I attempted to re-engage Sallie Mae by logging on to their website, the same website I had made my student loan payments through since XX/XX/XXXX, only to learn they had become Navient. I updated both my physical address information and my cellular phone information. I was surprised to see that Navient had not honored the forbearance granted by XXXX XXXX, so I made no payments but made efforts to contact Navient. I called Navient no fewer than XXXX times over the XX/XX/XXXX, only to be transferred between departments a number of times or disconnected. Approximately XXXX weeks later, I received a letter at my residence ( the updated residence I had given to Sallie Mae ) from a company called XXXX XXXX indicating that they were a debt collection agency. After another XXXX calls to Navient, a representative told me Navient had defaulted on my student loans. 

I conducted additional research and found my experience with XXXX Mae/Navient is not unique. I file this complaint against XXXX XXXX because XXXX XXXX used deceptive and unfair lending practices throughout the life of the loan, made insufficient effort to notify me that they were selling the servicing of my loan, and charged exorbitant, unreasonable and unfair fees. In fact, despite having made payments of more than {$30000.00} on the initial loan balance of {$49000.00}, Navient now incredibly claims the loan balance is {$64.00}, XXXX. I file this complaint against Navient because they failed to appropriately notify me of their assumption of the loans or their intent to default at the residence of record I provided to them.
I asked ditech to waive a late fee applied to my account in XXXX via a QWR because I never received the notice of a rate increase and their site was down on XX/XX/XXXX ( a Sunday ) when I tried to log in to confirm my payment amount. I sent in my regular payment that did not reflect the increase and it remained unapplied, my account considered late. I received a notice of default and threats to foreclose. I send in the difference with my next payment and filed a QWR requesting they waive the late fee because I did not receive the notice and their site was down onXX/XX/XXXX. Ditech agreed to waive the late fee in their response to my QWR. 

Each month I log onto ditech.com to confirm my payment amount and today found a transaction dated XX/XX/XXXX titled 'reallocation ' that backed out months of payments and the XXXX late fee. It appears these payments were not reapplied to my account because my principle balance increased from {$120000.00} posted onXX/XX/XXXX to {$120000.00} ( an increase of {$1200.00} ) reallocated onXX/XX/XXXXand I was assessed another late fee. 

XXXX I called customer service for an explanation and to correct the reallocation. XXXX waived the additional late fee added to my account and confirmed the increased principle payment shown online matches their systems. She could not explain why backing out a {$33.00} late fee would increase my principle balance by {$1200.00}. Nor could she correct the problem. 

Given Ditech ( formerly greentree ) reputation, I am of concerned of being accused of defaulting even though my mortgage is current and losing my home because of an administrative error on their part. Given the customer service reps insistence that an principle balance increase of {$1200.00} is correct in waiving a {$33.00} late fee, I dont expect Ditech to behave within the law. 

I appreciate your assistance in correcting Ditech 's administrive error.
My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.
Hi I am filing a complaint for Hunter 's Warfield inc. This company has depressed me to death as i do suffer through XXXX XXXX, Hunters warfield keep harassing me, calling my family, friends, and job threatening me wrongfully to pay them {$1800.00} that that cant show proof of original document of I even sent out a validation letter and never gotten a response from them after they harrassed me for 3 months straight. They even keep playing with my credit report first they say I owe {$550.00} and then they say I owe {$1800.00} and then they update by decreasing {$1.00} now {$1800.00} but they don't want to respond to my letter i sent them to show original proof under section 609. These guys are causing me emotional distress and playing with my report, job, and messing with all my friends and family by harassing me saying there going to show up at my home and have me arrested for an owed debt they cant prove originally. This isn't fair or right this is a violation under FCRA and must be remove from all my bureas. 

Thank you Cfpb for helping were glad that you are here to help in situations like this
Navient collections. I am XXXX per Social Security. They determined I was XXXX since XXXX but my claim was filed in XXXX. XXXX verified this determination as well. I subsequently sent the information to Navient who contracts with XXXX to determine XXXX status claims. XXXX XXXX has been denying others beside myself. I have a XXXX determination and Navient only reviewed the medical. I am prepared to submit XXXX records and asked the Navient collector for the form to submit my XXXX status and the collector told me " if you want the papers, you go get the papers. '' I propose XXXX review of XXXX claims or an independent entity to monitor XXXX denials by XXXX to ensure Navient 's contract with XXXX XXXX is not a way to summarily deny all XXXX individuals. 

I was a XXXX 15 years ( including use of a XXXX ), XXXX. So I know the Fair Debt and Collection Practices Act ( FDCPA ), XXXX. Navient 's collectors are not well trained and should not dictate policy/procedures based on their own biases and not the company 's policies/procedures. 

The determination that I am not " XXXX enough '' and being unwilling to give me the opportunity to submit the XXXX portion of my XXXX does not seem legal or ethical ( Social Security used both XXXX ). 

Why is the relationship between Navient and XXXX not investigated for collusion and a way to defraud the XXXX? 

Why am I not permitted to submit the secondary XXXX diagnosis? 

I posted a breach in FDCPA to the Consumer Affairs site, and read how individuals with XXXX, XXXX, and XXXX were all denied by XXXX paving the way for Navient to collect debts from individuals that are otherwise considered XXXX by federal and state entities. Please check into this inequity. 

Paying Navient even if state and federal review deem us " unable to work '' is unreasonable when their " contracted '' " determining entity '' may gain financially by denying XXXX claims. In addition, when their staff refuses to send the appropriate form to XXXX individuals, it is basically an admission that they will not consider my XXXX claim anyway.
I have Federal and Private loan on Navient. On XX/XX/XXXX I called Navient to get the automatic withdraw from my account on my private loan, then i received a letter that the automatic payment was cancelled, they add the wrong account and they did the automatic payment and of course payment was reversal. On the web site appear to pay only XXXX dollars ( all intrest nothing principal ) when my total monthly payment is XXXX, after serveral calls they told me that eveything is correct and i do not have any payment reveral and that i do not have any automatic payment. When i call customer services they told me that i have to pay XXXX for prvate loans but when call private loan department they told that i hav to pay XXXX. After several calls they told me that they will call me to verify my account and has past 2 weeks and i still waiting. Today XXXX/XXXX/XXXX i call and they told me that i have to wait. My due date to pay the loans is XX/XX/XXXX and i dont even know how much do i have to pay. I am worry about the payment reserval that could affect my credit, but as per navient I do not have any payment reversal or any late payment. Information on the web site is really innacurate with the information via phone. Fo a mistake of Navient employee of putting the wrong accunt number my loans and my payment are not correct. I have been paying this loans for years andi want this nightmare to end as soon as possible.
My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with NAVIENT and XXXX because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, XXXX, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer NAVIENT. I 've never had any way of knowing that NAVIENT now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH XXXX, who I had been paying faithfully. Finally, XXXX lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.
On XXXX XXXX, XXXX I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact XXXX to get it removed. XXXX informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.
I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a duke energy collection on my account that is not mine. I have called XXXX XXXX  telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.
Problem : In XX/XX/XXXX, Navient changed my Billing and Servicing address without my request, knowledge, or consent, to collect a bill on an open account. After contacting Navient, they responded that " they had the right to do so '' and were not obligated to send me a bill. They provided me a copy of my billing history which shows the change of address, again, without consent nor request, and the address where the bill was changed to was not correct either as it was missing the Apartment/Unit Number. I have resided at the same address since XX/XX/XXXX and have never moved. By not receiving account statements from Navient, i was not notified for three months about the status of the account, which caused it to report to the credit bureaus as an account that was late over 120 days. Navient does not have the right to change a customers billing address in their system on an open account.
Equifax, XXXX and XXXX have not changed my credit score in over 12 years. 
I have documentation to prove that my credit score remains the same and they never change it. 
I have had several items removed from my credit and they have never changed the score.
I received a collection letter from  CMRE Financial Services, INC.   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX .  XXXX , CA.  XXXX  dated  XXXX / XXXX / 2017  in the amount of {$180.00}. They state the original debt was owed to  XXXX   XXXX ,  XXXX .   This debt is not my responsibility and I am concerned based on the poor reputation of this company that they will report fraudulent information to the credit bureaus.
On XXXX/XXXX/XXXX, I was trying to purchase a concert ticket from someone ( XXXX XXXX ) in Maryland, whom I met online. The person said Wal-Mart had a Moneygram service we could use which would not let the receiver pick up the money without receiving a reference number that comes printed on the ticket. Wal-Mart confirmed that this is how the service works. I set up the money transfer for {$200.00} and received Reference Number 1. The same day, I received a call from the person saying that she did not have her ID and needed me to change the name on the Moneygram transfer to her friend 's name, " XXXX XXXX ''. I went back to Wal-Mart and they could not find the transfer based on the Reference Number 1. Apparently the reference number had changed somehow. Wal-Mart could not explain it. The transfer reference number had somehow changed to Reference Number 2. Wal-Mart was able to track down the transfer by calling someone, and said they would put in the new name on the transfer and would provide me a new reference number ( Reference Number 3 ). When I did not receive the ticket in the mail, I went back to Wal-Mart on XXXX/XXXX/XXXX and tried to pick up my refund. Wal-Mart said the money had already been received by XXXX XXXX and that I was not bale to receive a refund. I filed a complaint with Moneygram and they said they could not give me a refund. I believe the Moneygram service is flawed and they should reimburse me my {$200.00}. If people can use the service to scam people without receiving a reference number, then Moneygram should fix the problem or reimburse those who get scammed..
Approx. XX/XX/XXXX I recieved a letter from ERC stating I owed over {$300.00} for a direct tv box that was not returned. This box was returned directly to an XXXX  tech in XX/XX/XXXX. In XX/XX/XXXX, I confirmed with XXXX   that this debt was not valid. I was told by an XXXX rep that the information would be in ERC 's system shortly and it was taken care of. Today, XX/XX/XXXX, I received a letter stating I owed them {$190.00} for the same issue. Again, I called XXXX and confirmed AGAIN that this debit was settled and the box was returned. I then called ERC. They claimed this was the first contact from them and att sent them the debt on XX/XX/XXXX. They claim they do now own this debt but are preparing to report the credit bureau in XX/XX/XXXX. I feel that I am being harassed by a less than honest debt collector. I have returned all equipment owned by XXXX and this has been confirmed TWICE by XXXX.
Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc.
American Express sent me a copy of another person 's driver 's license complete with their name, address, date of birth, signature and license number. When I called them to tell them they tried to tell me that I was mailed a scam letter and it was not from them. It was clearly from them since I accessed it directly through their " secure '' site. I called multiple times to resolve this issue and they hung up on me or put me on hold and never came back. I cancelled my card to hopefully protect my identity however I am not sure where / who has my personal information. They would not offer any assistance to solve the remaining balance.
Certain time periods of time in the year we deposit checks to our personal account at BOA and also our clients deposit to the same account because of clients convenience sake.We also take business checks for business account with another bank and deposit into our personal account at BOA. Because of this process our checks have never bounced from either account. 
we have been account Bank of America since 1977
Experian is reporting incorrect personal information that I need removed ASAP Incorrect Names   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Incorrect SSN  XXXX  Incorrect Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX
XX/XX/XXXX Dear Sir or Madame, I am requesting guidance on how to hold a collection agency and two billing companies accountable for damaging my credit score by purposefully and maliciously, submitting a debt I did not owe to the credit bureaus as a charge -off. This was done knowingly during my protected dispute period., as I was trying to get documentation to resolve the issue. Here are the facts : 1 ) I received a bill from XXXX XXXX XXXX XXXX XXXX, P.O. Box XXXX, XXXX, PA XXXX for {$250.00} for services rendered for an in-network procedure completed in XX/XX/XXXX. 
2 ) I called them to request more documentation as I should not have had a balance after my co-pay, as my deductible was met. They said they had no records and to contact XXXX at XXXX XXXX  At XXXX. XXXX said he could not help as he had no records as the billing company was sold. 
2 ) I then disputed the debt in writing within 14 days of receipt of the bill requesting further documentation. I received none. ( I have written to all parties every 30-days to support my obligation under the law. ) 3 ) I called XXXX XXXX  my health insurance carrier and they told XXXX XXXX XXXX XXXX to put collections on hold, because it was in the process of being paid by the carrier. XXXX XXXX XXXX ignored this and referred the alleged debt to Associated Credit Services , Inc., P.O. Box XXXX, XXXX, MA XXXX. I immediately sent a written dispute which is included. 
4 ) Along with that dispute I included a check for {$26.00} as a good faith payment only toward any balance documented in the meantime. This was done to show good faith to prevent the matter from going into collections. 
5 ) They cashed my check and did not respond in writing or by phone as requested. 
6 ) Today, I called XXXX and spoke with XXXX who reported that I was mistakenly balance-billed and never owed anything other than the co-pay I made at the time of service. 
7 ) XXXX can be contacted at XXXX option # 2, referencing interaction number XXXX and she could document that there never was a debt. I explained this to all parties and provided her contact information. It was ignored and not pursued. 
8 ) Today XX/XX/XXXX, I called Associated Credit Services , Inc. and reached XXXX XXXX who reported the could not remove the charge-off collection from any of the credit bureaus. I asked why they pursued it during my dispute period within which I had disputed it in writing. He said they never received a letter which is false, as they cashed my check. 
9 ) The false entry to the credit bureaus has caused me damage because they were illegally made during the protected dispute period, violating my federal rights. My credit score dropped XXXX points 10 ) This had an effect on interest rates on current debts and constricted my access to credit based on my previously XXXX score. 
These companies have recklessly and wantonly trampled on my Federal rights and must be held responsible. 
Respectfully,