WillisBack/dataset-financial-user-claim huggingface dataset:
I have had numerous problems with Navient since I began repaying my student loans. Navient is my servicer for the Parent PLUS loans my mother took out to help me pay for college, so although she is the account holder, we agreed that I would be paying the loans back. It is my back account set up for auto-debit, and I have had the majority of customer service interactions with them. At every step of the process, they have made an already XXXX experience so much worse by being unreliable. They have applied payments incorrectly many times, despite written and verbal instructions on how I 'd like them applied-they have applied them to the wrong loan, or spread them out between all my loans, or even applied them to my brothers ' loans which are currently in deferment. After this happened the first time, I learned that Navient could not be trusted, and began monitoring my account very carefully, which is how I caught the other errors. Then, every time my mother or I call with a question about the account, we get a completely different answer depending on who we speak with. Every time we 've been told someone would look into something and follow up with us, no one has. A few weeks ago, I called and said that I 'd like to share the extremely frustrating experience I 'd had, and they said there was no way to do that. I asked what that meant, and they said the only way would be to file a complaint. I said I would like to do so. They then said they would look for a manager, put me on hold, came back and said no one was available. I asked if someone could call me back, they said ok and tried to hang up without taking my contact information. I provided it, but it has been several weeks and I have not heard back from anyone at Navient. I have made an enormous effort to stay ahead of my student loans by always paying on time, and making extra payments, and I can not express how disappointed and frustrated I am with Navient. I feel that they are completely incompetent, and I do not trust them with my loans or with my money.
I am a victim of identity theft. My personal information was compromised and fraudulent inquiries were included in my credit report without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting these fraudulent inquiries. For yet another last time, the following inquiries are fraudulent : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX   XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX  XXXX XX/XX/XXXX 12. XXXX/XXXX  XX/XX/XXXX This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company. 
I have attached for your review my dispute letter I sent to this company earlier and my FTC report
I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XXXX 2008. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and did n't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.
On the XXXX of XXXX, I applied for a mortgage with Huntington Bank. I received an approval message from XXXX XXXX on XXXX XXXX, XXXX. Since I now had an approval letter, I made the decision to purchase a house instead of renting. I found a house in my price range and with my real estate agent and reached an agreement with the seller. A few weeks later, I started the closing process which included the earnest money and an inspection totaling XXXX XXXX XXXX  earnest and XXXX inspection XXXX XXXX XXXX XXXX, XXXX, I received a casual email from XXXX XXXX stating that the underwriter had now declined the load based on insufficient work history. XXXX stated that I should get my XXXX to co-sign. The co-sign issues was also brought up when I initially applied for the loan. It was clear to me that XXXX XXXX used a bait and switch approach to win the loan using my XXXX as a Co-sign. The reason for the denial was insufficient work history, which had n't changed since my original application. I contacted XXXX 's superior and XXXX XXXX from Huntington Bank XXXX XXXX to no avail. 

I requested a formal denial letter several times, the last time on XXXX XXXX. Today, I received the official statement of credit denial. XXXX XXXX XXXX, XXXX ).
It appears Wells Fargo Home Mortgage is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information.     I 've been sending in all required documents multiple times since  XX/XX/XXXX . I also call over the phone to verify that the documents were received.     I have received the enclosed Wells Fargo letters which are vague and do n't provide me with any information on the status of the loan modification assistance.     The CFPB issued amendments on  XX/XX/XXXX , The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections.     The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
I have XXXX unauthorized transactions on my account and I called the bank immediate ( the next day after the transactions were posted ). The bank told me that they will investigate that and will contact me within 48 hours. however, they never contacted me and I have to call them back and I was transferred XXXX times and still got no resolution. I got a feeling they try to ignore me and made it as hard as possible to let me get my money back. I am very frustrated and I am closing my account with them once I have my money back.
I bought XXXX XXXX gift cards issued by U.S. Bank at XXXX on XXXX/XXXX/2016. When i attempted to use them, i got error " not authorized ''. When I called number listed on cards for customer service XXXX i discovered that cards were registered with someone else name. That means they were stolen from me. 
I was advised to fax supporting documentation ( cards front and back, receipt etc. ) to Stolen Replacement Card Request at fax number XXXX. I tried multiple times to fax documents to that number. The fax never picked up and i was not able to fax my documents. I called customer service 3 more times. I asked for a different number, email address or physical mailing address. I was told that 1. there is no mailing address, 2. there is no email address and 3. XXXX fax number is the only way to send information to card services. I am not able to send that information because the fax number that they gave me is not working.
My husband and I have consolidated our student loans thru a company called XXXX XXXX. They use a third party collector that charges us a fee of {$34.00} each on a monthly basis. We have been paying this amount from XX/XX/2016. We have been receiving bills from XXXX XXXX for a higher amount. We have tried contacting XXXX XXXX which there number is disconnected. When I tried contacting them before their number was disconnected no one returned any of our calls. I recently have stopped the automatic payments from my bank account. I spoke with a counselor at XXXX XXXX XXXX   and they stated that this company has been scamming millions of people. They advised me to cancel all payments to them and report them. Now my husband and I have received a threatening letter from a group called XXXX XXXX stating that my account is passed due.
I had money transferred from a foreign account in XXXX to our ( my wife 's and mine ) checking account in the US. The incoming wire transfer was recorded on XXXX/XXXX/2015. Our bank applied an interchange rate of XXXX. However, between XXXX and XXXX, the recorded interchange bank rate on publicly available forex sites was never fluctuating below XXXX ( XXXX = XXXX US ). Based on the applied interbank rate, we lost ca. XXXX US- $ to the bank. After following up with our bank, we discovered that since it is not a regulated part to the banking business, that banks apply the interbank rate they deem appropriate to make money. However, we are already paying money in regards to sender 's fee and other. At the same time, a similar transfer at a lower amount in XXXX was n't subject to the same interbank exchange rate. The rate was the same as the information shared by XXXX trade sites.
TransUnion, XXXX, and XXXX are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.
Currently I am in the process of buying a new home. So once my credit report was pulled, it was revealed to me that I had XXXX medical bills in my name stemming from XXXX of XXXX. I never went to the Hospital or the Doctor in XXXX. The name of the company is Commonweatlh Financial Systems, located in XXXX, PA. I have requested that they validate this debt, and I have disputed this with the credit bureaus. From my understanding XXXX XXXX sells your information to Commonwealth Financial and they report bogus information to your credit report. I do have XXXX XXXX XXXX cards. So this all makes sense. The amounts are for XXXX, and XXXX.
On XXXX XXXX, XXXX I filed a complaint with this Agency against Bank of America. See Case No. XXXX. 

Bank of America responded to that Complaint stating it was no longer the service of the Mortgage Loan effective XXXX XXXX, XXXX, further stating those servicing rights had been transferred to XXXX Loan Servicing, ( " XXXX '' ). The problem is Bank of America filed a foreclosure case against me on XXXX XXXX, XXXX, months after it sold its servicing rights to the loan at issue to XXXX. 

I know this because on XXXX XXXX, XXXX, I filed a complaint against XXXX asking if and when it filed the foreclosure case, and three ( 3 ) times XXXX refused to respond to that question. See Case No. XXXX. Further, XXXX sent a representative to my home on XXXX XXXX, XXXX because XXXX had not heard from me. That representative informed me that XXXX had no knowledge of any pending foreclosure matter. XXXX sending a representative to my home was a clear indication in and of itself that XXXX had no knowledge of the foreclosure proceeding. 

XXXX stated it halted the foreclosure process on XXXX XXXX, XXXX. See XXXX, XXXX Response at p. XXXX. However the foreclosure attorney continues to proceed in court even after XXXX halted the process indicating Bank of America is still controlling the process, not XXXX. 

This is outright fraud. I demand an investigation as to why and how Bank of America filed a foreclosure case against me long after it sold its right to do so to another servicer. 
Thank you in advance for your assistance in this matter.
I have already filed a complaint but the resolution was not satisfactory. I realize I missed a payment in XXXX on a repayment plan but I lost my job in XXXX. I notified the company immediately but they claim they never received my requests for assistance. As a result Im going to lose my home in the middle of the fall and I have no where to go. This seems not to matter to the company and since they still own the property Im not sure why they wont they wont try to help me. I know they have tried in the past but we are ready and able to resume normal payments. My wife is XXXX and is XXXX XXXX and my son is XXXX. 
There is no way to move them at this point. I wish I could get them to grant me help again. I cant lose my home XXXX simply cant. How do you celebrate XXXX living in a car? Please help me.
I bought my home is XX/XX/XXXX for {$130000.00} with full intentions of living in my home forever, especially since it was in the great location of family and had been in the area for very long time, it was my dream home that came true for me and my children. I Fell behind in XX/XX/XXXX after XXXX XXXX that caused a finicial Hardship, I lost {$13000.00} income that year ( XXXX a month loss ). I Have attempted since XX/XX/XXXX to get HAMP, HARP HIT ... After jumping through hoops with Bank Of America and getting turned downed mulitiple times after submitting paperwork multiple times and being told that my INVESTOR type was the reason I did not qualify for any programs of relief. Although my house value had dropped and I was " under water '', I was being told that I did not qualify for any help. So, I Hired an attorney in XX/XX/XXXX for {$2000.00}. which instructed me to continue working with BOA submitting documents and making numerous calls. BOA sent me letters stating my Investor names. I recieved XXXX lettes with XXXX different investor names on my mortgage. I am now three years into this and the wieght of this has effected my health and overall lifestyle as my future is unknown. My home has become a prison. With the cost of repairs and unknown future, I looked into selling my home, but considering I owe three times more than my home is worth today, that is not an option. Now I am facing Foreclosure however, I am being told that I will be taxed for any debt cancelation amount. And in the end loss my once beloved home.
According to our credit bureau report the loan with SST is showng as default and collections. This account has never been late and when I spoke with SST they stated that was incorrect and that they would correct with the bureau. This account is in excellent standings
I have asked Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) to provide me with document to show me how did they lose {$22000.00}. What i mean is document shows itemization. i have contacted them twice and each time they promise someone will call me.
Commonwealth Financial ha s placed a collection on my   XXXX   credit report on    XXXX    2017  for {$240.00} without sending me written notification to validate the alleged debt.
My personal information was compromised by the Equifax security breach and I was not timely notified in a timely manner to take the necessary precautions.
NCB Management Service Inc. does not have a signed contract that states I agreed to pay NCB. This account is past the Maryland Statue Of Limitation on debt collection, while NCB is reporting this account as current with the credit bureaus. Although it is noncollectable. Reporting a different removal date from the original account holders. Despite numerous certified letters NCB always make the claim they are investigating this matter, yet never send a correspondence telling the results of the investigation. These are just a few of the many violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act that NCB Management Services Inc. continue to violate.
COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX..
Am a victim of identity theft which took place in 2011. During the incident my identity was used without my knowledge to multiple fraudulent accounts XXXX of them with XXXX. I subsequently filed complain with the creditor and also with the police disowning the credit purchases. In turn the creditor ( XXXX XXXX ) had sent to account to collection company ( XXXX ) whom I reached out to settle this matter. Upon my complain with XXXX XXXX asset i was instructed to provide copy of police report to settle this account which i subsequently provided and the account was removed from collection and marked as settled. 
Lately, i have been receiving harassing collection calls from XXXX who have gone ahead and reopened the account for collection despite sending me letter as proof of settlement confirmation ( see attached ). Recently I faxed the settlement letter to XXXX to take action, but so far action has been taken. 
I would like to put and an end to this ongoing harassment from XXXX XXXX XXXX. And also have them remove/delete the {$750.00} debt from my credit report which is currently showing as delinquent and hurting my credit rating. 

Any assistance accorded from you would greatly be appreciated. Please find the attached filed police report in reference to the account and also settlement letter sent by portfolio as settlemement proof for no further collection action.
Elderly woman received call from grandson that he had been in an accident and was now in jail and needed money wired to him to get out. Described all kinds of injuries. Had a supposed public defender ( XXXX XXXX at XXXX case # XXXX ) call with explanations and directions to go to local XXXX XXXX with {$500.00} cash and Western Union the money to : XXXX XXXX XXXX XXXX XXXX XXXX Western Union tracking # XXXX
After I left graduate school, I was ( and still am ) working in the education field making very minimal money. Navient initially did not inform me about income-based repayment ( IBR ). When I did research and found out that I should be eligible for IBR, they made the process to enroll in it exceedingly difficult. During the time that my loans were with them they did not approve me for IBR. Thankfully, I was able to transfer my loans to a different provider who was willing to approve me for IBR.
I Have been with Citibank for many years now and I have called every single time I have gotten an overdraft fee and told them I do not want it and it still happens to steal money from me everytime. If there is not enough money on my account and something tries to take some out it should just be declined I should not be charged {$60.00} extra for something I never asked for and have countless problems about. I woke up with an overdrawn account yesterday was down by XXXX I had to transfer money from my savings and lost {$50.00} to these fees i never asked for just decline my card do not pay for me and charge me extra money that I obviously do not have. And I have called Citibank about it so many times and they continue with the overdrafting fees. I cant handle this anymore please help.
Wal-Mart / Synchrony Bank is reporting a XXXX balance chargeoff on my credit report when, in essence, the account was never paid late. Moreover, they have put the account {$280.00} over my initial credit limit of {$400.00} which is lunacy. Finally, the company STILL has not made me whole after CFPB found Synchrony Bank ( the owner of my account ) /GECRB to have illegally offered credit card protection products. 

It should be noted that I currently have a TCPA complaint filed against XXXX XXXX XXXX, the current collection agency assigned to this account. This is still in litigation.
I have disputed this account many times with XXXX the credit agencies and with Capio Partners. The credit agencies stated that Capio Partners verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Capio Partners and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.
We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and onXX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.
I set up a payment on my XXXX  account in the amount {$84.00} shown on my paper statement through my bank billpayer to be processed onXX/XX/XXXX. On XX/XX/XXXX another debit was processed on my bank account in the amount of {$54.00}, I had not made this payment.

Through calls to my bank and XXXX I discovered that XXXX made the second draw on my bank account " because you didn't owe that much '' said the XXXX  CSR. She said I would get a letter informing me that they had done this.

I made many calls and wrote letters to XXXX and XXXX protesting this mishandling/abuse of my bank account. I did finally get a letter from XXXX datedXX/XX/XXXXassuring me that " ONLY THE NEW ADJUSTED PAYMENT AMOUNT WAS DEDUCTED FROM YOUR BANK ACCOUNT ''. But this is not true as they had processed two debits to my bank account. This is gross mishandling and abuse of my bank information. I feel that I should be reimbursed the {$84.00}.
PennyMac Loan Services is saying they are unable to provide home mortgage assistance due to a temporary financial hardship. We have been going back and forth with the company for XXXX months providing all the documentation we can and they now say that due to a job loss ( that was present at the time of initial application ) they are unable to provide any mitigation ( no loan modification, no temporary forbearance ). It is my understanding that those types of plans are meant to assist homeowners in keeping their home during a financial hardship. PennyMac Loan Services does not seem to provide these types of services.