WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX : Contacted Navient to discuss repayment options as my loans were coming out of in-school deferment. I agreed to repayment option for federal loans and the agent encouraged me to put my private loan in forbearance by paying {$50.00}. This would put my loan in forbearance for 3 months. {$50.00} was paid. Later that day, I received an email saying my forbearance was granted. 

XX/XX/XXXX : Logged onto navient.com to pay what was due on federal loan. Federal loan is now stating that I am on in-school deferment until XXXX?? Also, private loan is stating I am on in-school deferment until XX/XX/XXXX. After reviewing my account, my {$50.00} payment was listed as being paid on XX/XX/XXXX - I had no contact with them at that time. I have proof of payment from my back on XX/XX/XXXX. Also, my {$50.00} was applied to the principal on one of my loans ( which one I couldn't tell you ) by Navient on XX/XX/XXXX. I was also informed on today 's phone call that Navient is claiming I have {$51.00} in late fees from XXXX, that they are now saying I owe ( first time I am hearing of them ). My forbearance is no where to be found on my account and customer service rep claims it was an error in their back office. I have pictures and plenty of proof that they do illegal things. Also, I feel that I have been a victim of Sallie Mae/Navient deceptive practices regarding forbearances and deferments. I need my account corrected and resolved.
I was contacted in XX/XX/XXXX by a company that had an unknown number, telling me I have a bill from XX/XX/XXXX from XXXX ( spelling? ) I asked what the bill was about and to send me back up documentation. I still have not received it. They had my email address and I told them to send to my email address. I would not give them my mailing address. I contacted XXXX and they have been sold, I went thru 3 hours of people trying to find my account and the final lady told me well good luck, those people do not care what they do and they will put it on your credit. 

I called back to Southwest Credit Systems and they refused to let me talk to anyone in corporate or anyone that could send me a copy of the bill. 

They just put it on my credit this morning, I called them immediately and the call was recorded and the lady refused to say any more after I told her I never lived at that address and gave her my address in XX/XX/XXXX and the internet company I had. 

I am purchasing a home for my XXXX year mother and I and it has killed the deal most likely. I do not know owe this bill. How you can let people do this people I just do not understand.
You are reporting a paid medical collection on XXXX, XXXX  and XXXX. This debt was paid directly to XXXX XXXX XXXX ( see attached proof ) and should have never been reported to the credit bureaus by you. This reporting has damaged my credit score and is preventing me from qualifying for a home mortgage. I want it removed immediately.
Below is my letter to DITECH stating the issue followed by their unjustified response. ; I included my Account number to them to ensure they could identify me by name or Loan Number. 
Before writing the letter we spent 30 mins on the phone to talk to a customer service rep who insisted that the {$65.00} fine for the {$61.00} deficit in the payment was justified and there was n't anything she would do about it. 
I think that more than 100 % penalty for an error originating from change in interest rate is egregious. 

Hello, I have been a loyal customer in very good standing since XX/XX/XXXX with XXXX before being transferred to Ditech about 4-5 years ago. 
Our payments have ALWAYS been on time on the XXXX of every month. 
For the First time in 13 years, the payment on XX/XX/XXXX was paid with an amount less than {$61.00}. 
Our payments for the last year have been {$1200.00} which we paid with Auto-pay. 
In XXXX, the amount changed to {$1300.00} and the Auto-pay paid the previously scheduled amount of {$1200.00}. 
This was NOT an intended dtefault in my mortgage payment. 
This was NOT an intentional partial payment for lack of funds. 
I have been slapped with a penalty of {$65.00} which is more than the amount I owe! 
Considering that this is the first time this has happened in 13 years AND considering that this was an honest overlook on the Auto-pay, I request that the penalty of {$65.00} be refunded to me as a good will gesture to a loyal customer in good standing. 

DITECH 's unjustified RESPONSE : On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : Thank you for your recent inquiry. Ditech is unable to assist you at this time, as the information you provided can not be verified. 

If you are a Ditech customer, please visit www.ditech.comXXXX to register and log in, or contact our Customer Service Department at ( XXXX ) XXXX, Monday Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX. Central Time or send a signed request to : Ditech Customer Service XXXX XXXX XXXX XXXX XXXX, SD XXXX FAX ( XXXX ) XXXX Thank you, Ditech Financial LLC Customer Service
XX/XX/XXXX I received a Summons for none payment totally {$6200.00} from a collection agency. I was given so many days to respond. I called agency on XX/XX/XXXX and set up a payment plan to satisfy my debt. I would pay {$220.00} by the XXXX of every month until debt was satisfied. I received paperwork to fax or mail back I did both to ensure paperwork got to them. I paid three months of payments on time each month. On XX/XX/XXXX I received my paycheck and I had a garnishment applied to my wages from that collection agency. I called agency immediately, I spoke with a supervisor. He informed they had made several errors and he would " e-file '' the court to have them fix it. The judgment was for the full amount of {$6200.00} and my bank account had a freeze on it. At no time did this agency inform me while making my monthly payments of any impending judgments against me. Total payments taken from this agency was {$450.00}, the last payment did not go thru due to my bank levy. The {$450.00} was not included onto my total amount due in the courts final judgment. Total judgment was {$6200.00}. I feel this is a deceptive practice and negligence on their part. I complied with the agreement and they did n't and neglected to tell me anything about my account each month. I called on XX/XX/XXXX and made the payment, the representative neglected to tell me they had placed a hold on my bank account on XX/XX/XXXX. I still have the garnishment, the agency assured they would take of this immediately. That was onXX/XX/XXXX it is now XX/XX/XXXX bank account still has the levy on it and I am expecting to still have my wages garnished for several more pay checks due to the lack of response from this agency. The finance dept. of my employer said it takes several pay periods for this to be corrected. Only after receiving the courts paperwork to fix the problem. I called the court on XX/XX/XXXX they had not received anything from agency.
I received a letter in the mail on XX/XX/XXXX stating that I was 30 days past due and the letter threatened going after my credit score. Upon calling navient, I was informed that in XX/XX/XXXX my payment was {$0.00} ( XXXX cent ) short. Upon checking my bank account, every payment was made on full ... this was a data input mistake by navient ... I had paid everything on time, in full!! I was treated like a common criminal, time and time again told that I did not pay my loan. I pleaded with them to please check thier records in more detail as I have proof they were wrong. After speaking to three customer service reps including a supervisor, my only option was to pay the {$0.00} or prove to them by sending bank statements that I was right
XXXX XXXX XXXX ( later named XXXX XXXX XXXX ) transferred my loan to a different servicer, Heartland XXXX. I was not notified of the transition in any way before it happened. How I found out was by receiving a notice in the mail that payment was overdue on my account! On the day after I received that notice ( on XXXX XXXX, XXXX XXXX, I received an email from XXXX XXXX XXXX saying that " as of XXXX/XXXX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ) ''. The date referenced, XXXX/XXXX/XXXX is wrong, because Heartland XXXX began requiring payments from me before XXXX/XXXX/XXXX, but I had no way of knowing that. 

Moreover, XXXX twice charged me a {$1.00} payment fee for one time payments. They do n't charge any fee for automatic payment, but first auto payment by enrolling would have been after the due date for the bill. So I had to pay the payment fee for one time payments. I should n't have to pay that fee since I was already enrolled in automatic payment with the previous servicer. Why should I be forced to pay new fees because my servicer changed?
debt collector from XXXX called my brothers home trying to collect a debt.they called him several times and where forced to give them our number, funny thing is in the last ten years we never reseaved a letter or call from them asking for payment.they have our old address and our new address, but they do n't have our number which we have had since 1997.when they called they refused to tell us who we owed this money XXXX said it was from a debt collector but would never answer the question of who we owed it to.they expected us to just on faith pay the amount.after a long talk he finally said it was from capital bank.we had an account with capital and have paid them off but he said it was from a different account but would not give details.I told him harassing my family for our info was not called for and why did they never send us anything in the mail or call us.no answer
Credit Central in XXXX, TN calls me everyday, 3 x a day even though I sent a letter stating not to call me at work. They sent a man out on Saturday morning who tried to force his way into my home. He blocked our cars in the driveway, harassed me in my front yard after asking him to leave and he followed us for several miles after we drove out of the driveway. we took pictures.
In XXXX XXXX a California merchant, a XXXX, auto-renewed a subscription I purchased in XXXX without providing a working mechanism by which I could opt out of the auto-renewal. The only mechanism on their online site required me to cancel the current ( XXXX ) subscription before its full term, forfeiting any unused portion. Since I paid for a full subscription, I refused to accept this requirement. Instead, I purposely withheld my Discover Card 's ( DC ) expiration date from the merchant, expecting a credit card transaction lacking a valid expiration date would be rejected by DC. Instead, DC approved the charge without up-to-date account information. 
I disputed the charge via a written claim sent under the Fair Credit Billing Act -- XXXX pages long, with online screen images of the merchant 's site, the merchant 's posted policies, excerpts from the XXXX Auto-Renew Law and Restore Online Shoppers ' Confidence Act of XXXX ( ROSCA. ) I documented the merchant 's missing opt-out mechanism, invalid initial purchase terms ( customers wanting to opt-out of auto-renew could never receive a subscription matching the term they paid for ), and my refusal to take delivery of the auto-renewal ( I cancelled it immediately ). I also showed that the renewal price was twice the original subscription rate, even though the merchant posted terms saying renewal pricing could change ). DC completely ignored everything I submitted to them. They said my claim was " incomplete and/or ambiguous ''. And they ruled in favor of the merchant, overlooking its fraudulent practices -- delivering shorter subscriptions than advertised DC, meaning that customers could not possibly give the " express informed consent '' required by ROSCA. And the merchant 's violation of California law by failing to provide " clear and conspicuous '' and " working '' opt-out mechanisms. DC did no independent investigation of this matter as their corporate Internet prohibited access to the merchant 's website. And they were completely disinterested in ROSCA and the California Auto-Renew Law. Their only investigative act was reading the merchant 's statement and finding it completely valid.
My husband and I obtained a mortgage as co borrowers. he was later diagnosed with XXXX. when he passed away I made the mistake of furnishing a death cert. the account then changed to the estate of my husband.

In 2018 I paid off the mortgage with an escrow balance. the balance was sent to me in the name of THE ESTATE OF ... .I CAN NOT CASH THE ESCROW REFUND. I am told I have to open up probate in order to cash the check ...

II have tried several times to fix this, I hired an attorney to try and straighten this out. since I am co borrower the title goes to me. the lender never contacted me about the attorneys letter and the return of the check. the lender never voided the returned check, and will only issue a check in the estate of my husband.

I am told I have to open probate for one check. everything else was put in my name because he knew he was going to lose his fight with XXXX.

Is there anything I can do? I need help. being a widow is bad enough on social security without having to take care of things like this.

the lender was supposed to pay the property taxes out of escrow and did not. forcing me to take money I dont have out of pocked to pay the property taxes on time. this is a hardship. please help
I have repeatedly called & asked representatives at Equifax to remove any type of freeze or block they have without my knowledge from my credit report. I have for the last 5 months been trying to obtain a car loan only to be told that Equifax have a block on my credit report so it can not be pulled. I have called over 8 times to have this taken care of only to be told that it was off. I have even sent in the information that they required & still as of XX/XX/2017 the block is still on it.
I originally caught the fraudulent XXXX account in the amount of {$2000.00} on XX/XX/XXXXand immediately called XXXX to report that this account was opened fraudulently under my name. They sent me a Fraudulent Charge Affidavit in the mail which I returned to them via fax on XX/XX/XXXX. I also included my Federal Trade Commission Identity Theft Report. When I hadn't heard from them, I contacted XXXX  again onXX/XX/XXXX. They claimed to have not received my fax, but when I asked them to look again, they found the FTC Identity Theft Report but had lost the Affidavit. They asked me to send it again via email and I did on that same day. I followed back up today, XX/XX/XXXXand was originally told that they did not receive my documents. When I challenged this, the person I spoke with told me that " oh yes, they have the documents, but it would take 60-90 days for the investigation to complete ''.
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.HARVARD COLLECTION IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXX XXXX  IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.
I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you XXXX
Please accept this final written offer of settlement before litigation as my attempts to resolve XXXX Equifax and XXXX XXXX willful violation of the Fair Credit Reporting Act regarding their refusal to delete all of the UNVERIFIED account information from my consumer file. I have disputed these accounts a few times within the last past 2 years and requested proof of the " verified '' information from all three companies. Despite my request, the unverified items listed below still remain on my credit report in violation of Federal Law XXXXd North Carolina 's statute of limitations which states " Section 1-52.1 of the North Carolina Rules of Civil Procedure explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. '' In the results of their re-investigations, they stated in writing that they " verified '' that the items are being reported " correctly ''. They still have not identified who in their company verified the accuracy of these accounts or how they verified them. According to Black 's Law Dictionary, 6th Edition 1990 defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of Truth of a matter of states and object of verification is to assure good faith in averments or statements of a party. What this means is that their company must be willing and able to produce a document that proves the account in dispute belongs to me and the information being reported is accurate and they must be able to do this in a court of law. Someone in these companies must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have first hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly " Verify '' the accuracy of the disputed accounts. After each verified result, the balance on the suppose account was updated on my credit report. Which mean the information XXXXay be inaccurate as well. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " promptly DELETE all information which can not be verified and/or inaccurate. Due to their continued willful disregard of the law I intent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to Under Section 616 and Section 617 if the UNVERIFIED items listed below is not deleted within 10 days. The law is very clear as to civil liability and the remedy available to me ( Section 616 and Section 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in the matter to enforce my rights under FCRA. In order to avoid legal action, I demand that they delete the UNVERIFIED accounts immediately and provide me with a formal notice of the updated and corrected accounts.
In XXXX I was looking to do a balance transfer on a high interest credit card I had. I wanted to see what terms I would be given for the Chase Slate card so I went through the application process and wanted to compare the terms I was approved for to those of a loan from my bank. To my great surprise the account was opened without my authorization with terms that I did not find ideal. I called Chase and explained what happened. The representative said she would close the account. I specified that I did n't want the account closed since that would affect my credit. She acknowledged that and instead said she would cancel the card as if it was never opened. A month later, I checked my credit report and saw that my score dropped XXXX points because the account was, in fact, opened and then closed after XXXX day. I called Chase today, XX/XX/2017, to explain this situation. At this point I was simply trying to reopen the account so that it did n't show up on my report as an account that was open for 1 day, an attempt at undoing some of the damage that Chase did. After being escalated to managers twice and speaking with XXXX different people, I was told that Chase could n't reopen the account or do anything for me. I explained that Chase damaged me twice by first opening the account and then closing the account without my approval. The account XXXX again reiterated that there was nothing they could do because the account was marked as " voluntarily closed by customer. '' I told her that was incorrect and, technically, fraud since I never asked for the account to be closed. She then hung up on me.
On XX/XX/XXXX, I reviewed my mortgage deed that was granted to me XX/XX/XXXX on property : XXXX XXXX XXXX, XXXX, PA XXXX. I noticed numerous unauthorized recordings that took place without my knowledge. What caught my attention was notarization by XXXX XXXX in XXXX, Texas with a " XXXX XXXX '' signing representing Rushmore Loan Management Services, XXXX   as Vice President in its attorney-in-fact & " XXXX XXXX '' signing ( on the same documents transfer ) representing as a " AVP '' of XXXX XXXX XXXX XXXX. After careful research, XXXX XXXX is VP at Rushmore Loan Mgt. Services, XXXX and affiliated with XXXX XXXX. XXXX. When I notified XXXX XXXX XXXX XXXX, the rep. did not recognize the name on file of a " XXXX XXXX '' as AVP representing XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, XXXX XXXX XXXX XXXX XXXX " Grantor '' transacted and recorded a mortgage assignment to " Grantee '' XXXX XXXX LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, " Grantor '' XXXX XXXX   LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX recorded a mortgage assignment to " Grantee '' US ROF II Legal Title Trust XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All the companies and assignees involved XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Rushmore Loan Mgt. Servces, LLO VP- XXXX XXXX , XXXX Legal Title Trust, XXXX XXXX XXXX , XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX under XXXX XXXX, all notaries : XXXX XXXX representing XXXX  as Assistant Secretary, XXXX XXXX located in CA., XXXX XXXX located Texas , and the unidentified robo-signer XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX as Its-Attorney-In-Fact. All above information is backed with verifiable documents that are current.
I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh Transunion regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with Transunion and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with Transunion unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you