WillisBack/dataset-financial-user-claim huggingface dataset:
Prior to Navient splitting off and while dealing with XXXX XXXX I was continually subjected to hard tactics by XXXX XXXX. My loan was put into forbearance multiple times and whenever I would get back on track, of course all kinds of additional fees, charges, penalties, taxes, etc. were tacked on - to the point where my CURRENT balance is almost DOUBLE what I actually borrowed. I 'm paying and have not missed a payment in several years. My lowest balance loans should be paid off later this year. My other loans will take some time. 

The amount I borrowed was {$17000.00}. My outstanding balance is {$34000.00}. 

I realize that I took out a loan and I am responsible for paying back that loan AND I FULLY INTEND TO, but the amount of fees, charges etc., taxes, interest, etc. amounts to nothing more than racketeering and extortion. 

I am currently using IBRP and am happy with what I currently pay - in fact, I 'm paying a little extra when and if I can to chip away at my balance. I 've employed the XXXX XXXX " Debt Snowball '' in paying off my husband 's and now my student loans. I do n't want my payments to change - but I think the total amount owed is extortion. 

Oddly enough, I filed for a Borrower 's Defense in late XXXX hoping to get part of my balance discharged and I have not yet heard the results of that.
Numerous telephone numbers and accounts that I have no knowledge they existed. Attempts to collect debt have been attempted on accounts that have been cleared or have previous judgment to be satisfied.
My issue with Navient began back in XX/XX/XXXX. I was battling XXXX XXXX. I was undergoing XXXX, XXXX treatments, and ultimately ending up having XXXX. As a result, I had to stop going to school full time and dropped to part time and had to leave my job. This forced me to use savings towards healthcare expenses and taking care of my XXXX sons. I fell on a financially rough times, and was unable to make my student loan payments. I called into Navient to explain the situation. I was told that the school will notify them of my change in status and it would still be in deferment. I went to the school and let them know my health situation. I was told by a rep in the business office that I would be fine. However, I was not, I pulled my credit in hopes of purchasing a home in XX/XX/XXXX. I saw 6 late payments. I discovered 2 late payment was reported on XX/XX/XXXX and XX/XX/XXXX and for two of my accounts. I also discovered 1 late payment was reported on XX/XX/XXXX and for another two accounts. I have several other accounts that were not affected at all. Which is baffling to me, because they were still in deferment when the other 4 accounts were not. Also during that time I was not informed that I was out of my deferment period. I sent out a goodwill letter along with Supporting documentation on XX/XX/XXXX. However, they denied my requested. I called several time to get the matter resolved. Then Navient started adding balances and subtracting balances from my accounts seems like weekly. Which has yet to be explained to me by a representative of Navient. This is also adversely affecting my credit score. I am trying to purchase a home and the frequent updates are detrimental to this process. They have not notified me in writing yet on why the frequent amount changes has been taken place. I am respectfully asking that all 6 late payments during the XX/XX/XXXX-XX/XX/XXXX be removed and set current. Also, I want all loans older than 7 years off my credit, as that is more than the Statute Of Limitations for my state. I need this done as soon as possible, because Navient is doing illegal collecting and reporting practices. Thank you so much in advanced!
When checking my credit report I discovered a collection account for an old XXXX XXXX account through Enhanced Recovery Corp. in the amount of {$790.00}. I am a former XXXX customer. I switched service providers in XXXX of 2013. My records indicate that I notified XXXX of my decision to switch provides in late XXXX 2013. There is no way I owe XXXX over {$700.00}. I paid my bill up until then. Please note that I am disputing this collection and I am requesting ERC to cease and desist with any further collections on this account. Have ERC contact XXXX the original creditor and make them aware that I disagree with this collection. I have not received nor have I spoken with anyone from ERC or XXXX regarding this account.
I have 3 separate loans on my credit report showing to be from Navient. With one late payment showing for each of them for the month of XX/XX/XXXX, in which I was not aware of. I emailed the CEO on XX/XX/XXXX and asked if the late payment could be removed, because one I was not aware that a payment was due because I was under the impression that my student loans were in deferment, and two I had to take a semester off from school because I had XXXX. Later on the same day I received a call from XXXX XXXX stating that she was going to look into the situation for me. I had not heard anything back so I emailed again on XX/XX/XXXX and on XX/XX/XXXX, I received another call from XXXX XXXX stating that the payment reporting late was not going to be removed because they sent me emails that, the payment was due. I let her know, that I never received an email and I never received any type of notification in the mail, because if I did I would have gotten the situation squared away, she then preceded to get an attitude saying that weather the emails went to spam or not she was not going to remove the late payment, and no nothing was ever sent through the mail because all correspondence was being sent to email. I then sent another email, and contacted someone else the same day and asked if someone else could look into this for me, because I feel as if the situation is not ethically right. Not one email, letter in the mail, or phone call did I receive from Navient. And now they have reported to all 3 credit bureaus that I have a late payment with them.
Company is sending text message without consent with a link to click. Does not state it is a collection agency.
Around XX/XX/XXXX of this year a collection company placed a collection on my credit reports from XXXX XXXX. I called the collection agency and I explained that I never had Services with XXXX. They sent me an affidavit to complete. I completed the affidavit and the collection was removed XX/XX/2018. 

Now I check my credit report and this company Diversified Consultants has placed this same collection back on my report. They are reporting the collection open date for XX/XX/2018. I have never had XXXX XXXX   services. I believe this company is placing debts on consumer files that they do not own nor can they verify. How can they have an open date of XX/XX/XXXX when XXXX XXXX didn't remove the accounts from my files until XX/XX/XXXX. This is illegal and unethical tactics are being used. I am fully aware of my rights and I am currently looking into suing this company for defamation and violation of the FDCRA.
I have XXXX Stafford unsubsidized student loans from XXXX that originated under XXXX, XXXX of which has been passed on to College Assist and is now in collections. They claim that the loan is in default because their information says that I stopped going to school in XX/XX/XXXX or XX/XX/XXXX ( not sure ). As far as I know they are going to do the same with the XXXX loan as well. 

- I was in school continually from XXXX XXXX to XXXX XXXX, and I can provide documents to prove this - All my other student loans have either been or are now in - grace period, forbearance, or deferment - to this day - Not in any of their letters did XXXX or College Assist identify which specific loan they were referring to in terms I could correlate and distinguish from my other loans - When College Assist informed me by letter of their intentions to take legal action, the date of the letter was XXXX/XXXX/XXXX, and it said I had 10 days to contact them. When I did call XXXX/XXXX/XXXX I was informed I was too late and the loan had already gone into collections - There is a pattern of deception and disregard for my rights in their correspondence and actions - I sent them a certified letter stating this information on XXXX XXXX XXXX and requested they call the loan back from collections and allow them to be included with the others in forbearance or deferment. I never received a reply to the letter - They are now withholding income from my paycheck, which I discovered only through my employer. I was not served or allowed to defend the issue in court, nor have I had the means to do so at any time To reiterate ; part of the reason I did not react sooner to the letters from XXXX/College Assist was because never once did they identify the loan ( s ) in question with a comprehensible account #, original loan amount, or original loan date, making it beyond my capacity to know which of my XXXX loans they were referring to. My first inclination was to believe it was a scam. 

I am taking action now through CFPB because I only just discovered its existence, as I previously thought I had no resources to fight this issue. 

I believe I have a right to have both these loans in forbearance/deferment along with my other XXXX loans. Can you please advise on what action I can take? 

The loans in question : - XXXX - XXXX/XXXX/XXXX {$3000.00} original amount, XXXX XXXX XXXX XXXX, CO - XXXX - XXXX/XXXX/XXXX {$4500.00} original amount, XXXX XXXX XXXX XXXX, CO ( this is the one in being collected on ) Thank you.
Recievables solutions put a collection on my credit report after it was already deleted. On XXXX/XXXX/XXXX a collection with Receivables Solution was deleted off of my XXXX report. On XXXX/XXXX/XXXX I got an alert from XXXX stating that a new collection was added to my report by this company. This is reporting with a new date aw well as it 's reporting past due. The date for XXXX was XXXX for {$33.00}. I have no knowledge of this account, they have placed this on my report with no contact by ... mail or phone. I do not owe them this debt. This company has never reported this collection on any other credit reports only XXXX and it was proven that they could not verify account as was deleted now they have added it to other reports. I have documentation from XXXX stating that the account was deleted!!
I am being charged for a medical bill that i had medicaid for. I have a collection on my report that should have been paid for by medicaid. I have attempted to get the collection deleted from my credit report but had no success and the company in question will not help either.
Synchrony Bank is reporting the same credit card account on my credit reports twice ( duplicate credit card accounts ).

This makes it look like I have 2 credit cards from JC Penney that were opened in XX/XX/2016, instead of only one.

The reporting of duplicate credit card accounts is hurting my credit score, because it incorrectly shows that I have opened 2 JC Penney credit accounts within the past 2 years.
On XX/XX/2018 I received an " attempt to collect a debt '' letter from XXXX XXXX XXXX XXXX in XXXX GA but the letter was dated for XX/XX/2018. I immediately responded with a debt validation later to send me proof that said debt belonged to me. I mailed the letter on XX/XX/2018 via Certified Mail Return Receipt. The Return Receipt ( green card ) that I received back has a stamped date of XX/XX/2018. I never received information validating this debt as I had requested in the letter. On XX/XX/XXXX, Sequium Asset Solutions LLC added this as a collection to my XXXX credit report. This company violated my rights as a consumer by ignoring my request for validation and simply adding it to my credit report.
I went to XXXX at XXXX University and I applied with a private loan to XXXX for XXXX to pay for school expenses. This was in XXXX I have never once received any documents from XXXX or any other company stating that my loans were being sold to anyone else. I graduated from XXXX University in XXXX, and started XXXX XXXX in XXXX in all this time I still had not heard anything I 'm thinking that my loans are with XXXX XXXX and XXXX only. So in XXXX I was served with some papers at my Mom 's old house that I had n't stayed at in years. So I ended up getting a court date in XXXX XXXX with a Law firm by the name of XXXX I have never heard of them. Stated that they were representing XXXX XXXX XXXX XXXX XXXX I still have no clue who these people are. So I went to court in XXXX Ga and I explained I wanted to see paperwork because at the time I had no clue who was the lender and the judge told them to provide me with proper documentation. They never did I filed chapter XXXX bankrupt in XXXX of XXXX and I 'm full aware that student loans can not be discharged in BK and that 's not what I wanted. So in XXXX of XXXX my mother was XXXX and I had not worked from XXXX XXXX XXXX of XXXX with no pay. I get my third paycheck of the year and saw a Writ of Garnishment on it I was so confused. So I filed a adverse with the courts and had to go to court in XXXX XXXX Ga today and the attorney office that was represented was the same which is XXXX which again they did n't seem to care and which I understand. The attorney that showed up today showed me which loan it was for which was XXXX in the amount of {$5000.00} which now they are claiming I 'm owing almost {$10000.00}. I just checked my paycheck voucher and they have taken XXXX so far from these pass few pay checks my last pay check on the XXXX was for {$570.00} I can no longer live like this I 'm going to be homeless soon and these people do not care. I told the attorney I will pay them {$200.00} a month but almost {$600.00} is ridiculous so what do I tell XXXX-My car company-insurance-rent and other utility companies? XXXX XXXX do not pay me nothing but {$29000.00} a year I 'm barely making it. So I 'm filing an complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX- If I 'm evicted what do I suppose to do nothing live on the streets of XXXX. This is suppose to be America education is preached and taught, but when we have to go through things like this you lose all hope as a citizen who pay their taxes.
The amount Speedy Cash charged is absolutely more than the amount I paid. I paid the amount of the loan but balance is XXXX that amount. I advised them to verify but got no response. The account is now with XXXX XXXX XXXX XXXX IN
On XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX XXXX was not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. I spoke with XXXX XXXX onXX/XX/XXXX and they confirmed that I should deal with Transunion directly as I did n't have any account opened with them. 
This week I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX, in an attempt to dispute hard inquiries currently showing on my credit file. 
My husband XXXX XXXX with my permission spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX Date- XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. 
I want all fraudulent and unauthorized information to be deleted from my credit report.
I had issued a complaint before about not getting mail from Navent in XX/XX/XXXX XX/XX/XXXX and they have failed to contact me or allow me to speak to a person to resolve the same issue. Now the company is destroying my credit score and still can not provide someone to talk to, to even try to resolve the issue. The company did call twice while they knew I was at work and gave a return number to their automated machine that will not redirect your call to a person. I have been trying to call them every week on my days off to no avail during their posted hours of operation.
We applied for a mortgage and were preapproved XX/XX/XXXX. All required documents including 2 years tax returns were submitted at that time. We put our house up for sale and got it under contract and made an offer on a house and got it under contract. The house we want to purchase is XXXX below the amount we were approved for. My Quicken Loans rep called me today to inform me that after looking at my returns more closely they would not be able to move forward with the loan. We are now going to be homeless. We have XXXX+ credit scores and have XXXX % to put down. This is wrong. These companies should not be allowed to do this to people.
In XX/XX/XXXX, I went into the bank branch ( Bank of America, XXXX XXXX, XXXX, SC ) to cancel a recurring transfer transaction of {$3000.00}, when I realized that I couldn't figure out how to cancel the transfer on my mobile app. I told the woman there that I wanted to cancel not only the XX/XX/XXXX payment individually, but also the recurring transfer totally. I was assured it was cancelled. The XX/XX/XXXX transfer DID cancel. 

However, in XX/XX/XXXX I received an email that my recurring transfer was about to initiate. I went immediately in to the XXXX XXXX Bank of America branch, XXXX, SC. I wanted to both order a replacement ATM card and cancel the transfer. The " system was down '' so I got the replacement card ordered, but was told to call the customer service line to get the transfer cancelled. So I left the branch and called the customer service line and was told that though the transfer had begun to initiate, the money had not left my account yet so they would be able to cancel it. I reasserted that I wanted the transfer permanently cancelled. 

You can imagine my surprise when I saw that the transfer DID go through, despite my mobile attempt, in-person attempts ( twice ) and my telephone attempt to cancel it permanently, and their assurance that it WOULD be cancelled. 

This was a large transfer, and was the bank 's fault for not executing my cancellation properly. I was told it would be cancelled. So I called " customer service '' on XX/XX/18 and filed a complaint ( # XXXX, case # XXXX ). Initially I was told that it would take up to 45 days to resolve. When I reminded that them it was not an insignificant amount, it was XXXX, and IT WAS THEIR FAULT, they promised to resolve it within 5-10 days. 

It is now XX/XX/18 and when I called " customer service '' today ( XXXX XXXX, to XXXX ), I was told it was pending and could take up to 45 days. I reminded them it was a {$3000.00} transaction, not a {$15.00} one. This timeline is unacceptable, and when I was told this was just the procedure, I said I would take it up with the CFPB.
I had a mortgage loan through Round Point Mortgage and serviced through their Roundpoint Mortgage servicing department. We closed the loan through the sale of our home on XXXX XXXX. At the time of the sale of our home we had a balance of {$2700.00} in our escrow account and we ca n't get it refunded to us by Roundpoint Mortgage Servicing. Each time we call we are given a new excuse ... it takes 7 to 10 days, it takes 10 to 15 days, it takes 20-30 days. It has been nearly 60 days since we closed and yet no refund of our escrow account They claimed they sent it but we never received it and when asked to stop payment and resend, we keep getting the run around. I have called 8 times in the past week asking for managers, supervisors etc and no one will return my call regarding this refund. Any help would be greatly appreciated. Thank you XXXX XXXX
There are many inquiries appear on my report without my permission :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   -  XXXX / XXXX /  XXXX
I was contacted by XXXX at XXXX XXXX. At the time I was on the phone, so was unable to take the call. The caller left a voicemail stating " This is XXXX XXXX calling in regards to documentation returned to my office as undeliverable, no signature obtained. To reschedule a delivery or to get details on this matter before any decisions are made without your knowledge, please contact me at XXXX. '' When I called the number back, I asked for the Company " Excella Recovery Group '' and said that I never received a letter stating what this debt is for. I never received the gentlemans name, but he stated he would send another letter and hung up. I tried to call again and ask for the address and another gentleman hung up on me. The XXXX time I called, a woman named XXXX answered stating ERG and when I asked for the address, transferred me to XXXX. XXXX gave me the address of XXXX XXXX XXXX, XXXX, NY XXXX. ( When I searched this address on the internet, it brings up a realty group, XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX stated that I had complained and they had removed my phone number from the system. This seems suspicious to me. I 've paid multiple times on payday loans and I continue to be scammed by companies. I do n't owe any more on these loans.
I opened a credit card with TD bank in XX/XX/XXXX and in XX/XX/XXXX my card was locked so I could not use it. I was on vacation at the time and to say this was inconvenient would be a gross an understatement. I had been using the wrong routing number which resulted in the payments not being received. In XX/XX/XXXX I realized what the problem was ( no thanks to TD customer service ) and paid off the card expecting to be able to use it. My card was however still frozen and was unable to be unlocked for reasons that were unclear to me. TD bank employees ( I called on the phone ) told me I should be able to use it. I visited TD bank and a sales person told me to cancel the card so I could receive a new one. I closed the card over the phone immediately. My ending bill I received documented me as paying off the card and my balance was {$0.00}. After this was paid I closed the account but the next bill I received had a purchase of XXXX, XXXX in total with interest. I did not make a purchase and was never informed as to what this amount was from. The fees have snowballed each month and now total XXXX, all because of a purchase I did not make or authorize. Because i had closed the card I will not be paying any more money for fees or otherwise and I would like everything expunged. I had tried to sort the issue out with TD ( over the phone ) but their customer service is horrendous and literally left me on hold for a total of at least an hour each time.
In writing and via phone I have contacted all the bureaus to remove incorrect information from my credit report. I sent in certified mail to track this information and process. Nothing has happened or taken place on my accounts.