WillisBack/dataset-financial-user-claim huggingface dataset:
I went to this school inXX/XX/XXXX, did not graduate due my XXXX This loan is being handled by ( NAVIENT ) I have been dealing with NAVIENT for 10 years of this loan that XXXX I am on a fixed income of XXXX a month from social securty income. I have no way of paying this loan, and have been in contact with them about this. Ii have filed for ecnomic hardship, over and, over with them. I have also been approved for a total perment discharge for this loan, and the other loans I have through the Department of Education. All my loans have been discharged I have explained to NAVIENT, that my loans were discharged. I sent them proof that my loans were discharged. The department of Education has requested that my loan be transfered over to them for XXXX  discharge, as I am XXXX. NAVIENT tells me that have not got the request, and they keep charging me outstanding interest, and reported late payments to all major credit companys during my deferements. Late paymments were reportedXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when I was in forbearance during these periods. They will not discharge this loan they keep wanting to put me in ecnomic hardship, then report late payments. I do not have the money to pay this loan. I do not even have the money to pay full rent. I was suppose to be in a voluntry forbearnce tell XX/XX/XXXX this is getting out of hand. It makes me sick that NAVIENT gets away with things like this.
On XXXX XXXX, 2015, I spoke with XXXX XXXX from Green Tree Servicing. This is the company that bought my loan from XXXX XXXX. After trying for a year to do a short sale on my condo, I was forced to keep it because they would not agree to a settlement. After trying to negotiate with them for a year, I decided to rent out my condo because it was going to go to foreclosure. I do not want to keep the condo, and the bank is recognizing this problem, but they can not do anything about Green Tree. Consequently, they continue to ask for documents that they already have. THis has been going on for a year. They continue to harass me with telephone calls and tell me to go to relatives to borrow the money that I owe them. XXXX XXXX told me to ask my " sugar daddy '' for money. He said that they did not want to make an offer because I might have won the lottery without telling them. This was very disrespectful and uncalled for. I find Green Tree to be very unethical and practice bad business habits. Now, I am again back to the beginning with them asking for more documentation. Its just a vicious circle. I can not get an answer from them. I am submitting this complaint, so that someone will answer my questions. I just want a resolution, so I can proceed.
In XX/XX/2018, I set up a monthly recurring payment on my XXXX XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. In XX/XX/2018, the {$50.00} payment was deducted from my checking account as scheduled. On XX/XX/2018,  Synchrony Bank withdrew {$410.00} from my checking account instead of the {$50.00} payment that was authorized. I believe it is illegal from them to deduct payments from my checking account at any amount they please if I did not authorize that amount. I spoke with Synchrony Bank on XX/XX/2018 and they said they could not credit back the payment but they could refund {$360.00}. About 30 days later I received a letter from Synchrony Bank stating that they would not refund the {$360.00}. 

In the meantime, I forgot all about the other Synchrony Bank credit card I have with XXXX. I had also set up a monthy recurring payment with them. I am trying to pay all my credit cards off and get out of debt, but they were all behind. I only set up the recurring payments for an amount that I could afford to pay and still pay my other living expenses. 

In XX/XX/2018, I set up a monthly recurring payment on my XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. The 1st payment was to be deducted from my checking account via ACH on XX/XX/18. On XX/XX/18, a payment of {$260.00} was deducted from my checking account. I did not authorize this amount, only the {$50.00}.

As you can see, the practices by Synchrony Bank are way out of line. I am starting by filing a claim with you, but my next step will be to file a class action lawsuit against Synchrony Bank, as I am probably not the only one this has happened to.

I request that you contact Synchrony Bank and have them refund the overpayments they deducted from my account. In addition, any overdraft fees that are accumulating on my checking account because I did not know they were deducting the amounts they did and still have outstanding checks and/or debits to other people/companies.

In XX/XX/XXXX, the overdraft fees were {$60.00} due to their withdrawing {$410.00} instead of {$50.00}. I imagine it will be at least that amount by the time my checks clear this week since they took {$260.00} instead of {$50.00}. Right now I have at least 5  outstanding checks/debits that still may clear before I get paid again.
I attempted numerous times to contact tekcollect and explain to them that I do not owe this money. I contacted them again when I received another letter and told him please validate this they told me they will get back to me and never did. I explained to them that this oil company is using a retaliation tactic because I no longer use their service because they did nothing but damage my system. I never authorized any work by them and they tried to bill me for it in which no work was performed. When I explain that to tekcollect they told me they will contact them, I spoke to the management there and a no one ever got back to me. I do not owe this money this is fraud.
EQUIFAX MORTAGE PUT A UNKNOWN INQIURE ON MY CREDIT REPORT AND HAS FAILED TO TRY TO REMOVED IT AND ITS NOT FAIR TO ME TO HAVE IT ON MY CREDIT REPORT HURTING MY SCORE
CFPB, I believe that the Pennsylvania Higher Education Assistance Agency ( PHEAA ) through XXXX is failing to adhere to 34 CFR 685.209 in calculating monthly payments under the Revised Pay As You Earn ( REPAYE ) program. 

I have provided them with a XX/XX/XXXX tax return, which contains my IRS calculated AGI and would result in a REPAYE payment of around {$300.00} per month. Nonetheless, they have on various occasions refused to review that IRS documentation and have insisted on relying on pay stubs to calculate my payment, which they have most recently calculated at {$390.00}. 

On XX/XX/XXXX, I received an official email from XXXX stating that my monthly payment would be {$300.00} only to receive another email a day later stating the payment had been recalculated to {$490.00}. 

I have already reached out to the Office of Consumer Advocacy at Pennsylvania Higher Education Assistance Agency ( PHEAA ) and XXXX at ( XXXX ) XXXX stated that he agreed that per 34 CFR 685.209 my payment should be {$300.00}, but he appeared unable to have the payment correctly recalculated. 

For reference 34 CFR 685.209 states the following : ( 2 ) Terms of the Revised Pay As You Earn repayment plan. 

( i ) The aggregate monthly loan payments of a borrower who selects the REPAYE plan are limited to no more than 10 percent of the amount by which the borrower 's AGI exceeds 150 percent of the poverty guideline applicable to the borrower 's family size, divided by 12, unless the borrower 's monthly payment amount is adjusted in accordance with paragraph ( c ) ( 4 ) ( vi ) ( E ) of this section. 

As shown in my XX/XX/XXXX tax return, I have an AGI of {$54000.00} which would result in a monthly payment of {$300.00} for me.
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX -/+.

The tax lien debt was tendered in XX/XX/XXXX and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX  and XXXX County of California. The BOE also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the BOE to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments.

Thank you, XXXX
I have been selling items on ebay, with PayPal as the money transfer service, for 10 years. I sold a pair of shoes on XXXX for {$150.00} and another pair of shoes XXXX for {$61.00}. The buyers paid for the items and I can see the money in my PayPal account, however PayPal is holding the funds. I mailed the items to the buyers on XXXX and provided tracking information. The notation beside each transaction in my PayPal account indicates that PayPal plans to hold the funds for 21 days. On XXXX, I called PayPal to find out why the funds are being held for so long. The PayPal representative explained their policy, stating that I had not sold anything recently. I explained that I have been selling and handling payment transactions through PayPal for 10 years with an excellent track record of customer satisfaction! The Paypal representative said I would receive the funds 3 days after the buyer receives the merchandise and he was not able to make an exception. So the buyer will receive the funds but I will not receive payment. This is not fair to the seller. I have shipped the merchandise and have nothing to show for it.
Today alone I have been contacted 4 times by American express, they threaten me. Claimed that if I did n't pay them {$6000.00} this month that they would drain my account and seize all of my assets
I have a collection account that i've been disputing with the credit bureaus and the debt collector for several months. XXXX and XXXX removed the account from my credit file awhile back but XXXX has refused to show me valid proof that this is my collection. The Collection agency has not provided me with anything also but they keep reporting this account on my credit file. It shows it was opened on XX/XX/2012
Paid dept on XX/XX/18. I have requested paid receipt x3, spoke with a XXXX at his office. Hospital charged my the same amount paid, apparently they did not get paid notice either!
I have asked Financial Control Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I received my XXXX XX/XX/XXXX, in which I began paying the following year through XXXX XXXX. While trying to find a steady job, XXXX XXXX made me go on forbearance of my student loan, because I could not afford to pay. It only accumulated more interested and added to my loan principle. It then transitioned to Navient and my payments went into the {$300.00}. Again I could not afford that, so I called to seek options. They put me in what they led me to believe was a income based payment, to find out it was a interest only payment. I started graduate school XX/XX/XXXX, in which my student loans went on school deferment. Today I called to get information on my next due payment, to find out that my loan principles are higher than what I ever took out. One of my loans beginning principle XX/XX/XXXX was {$9700.00} and now the unpaid principle is {$10000.00}. The other began at {$8000.00} XX/XX/XXXX and is now at {$8700.00}. I 'm in the XXXX field and have been looking at loan forgiveness, having been paying over 10 years. Today I feel I will NEVER reach financial freedom with my XXXX loans that I did n't make a dent, but now also show a higher principle ( which makes no sense ). In addition, I now owe {$18000.00} to the State of Texas for my XXXX degree. It almost feels like the more you accomplish, the further away you get from financial freedom. Navient deceived me and can not answer to my payment history with XXXX XXXX. Being in a helping profession that is underpaid, payment forgiveness and/or assistance should not be that difficult. Especially when your service is going back to serving the vulnerable populations of this country.
This is the second complaint I've had to file against Coinbase as their low level support personnel continue to mishandle and ignore my case. Recap : On XX/XX/XXXX, a fork of Bitcoin called XXXX XXXX ( XXXX  ) occurred. Coinbase promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of XXXX XXXX when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in a custom vault called XXXX on XX/XX/XXXX1. But Coinbase has still not credited my account as promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. I only got a response to my second support ticket ( Case # XXXX ) after I filed a complaint with CFPB. That response, shockingly, was that XXXX XXXX was not a supported currency on Coinbase! After I insisted it was, the Coinbase rep XXXX responded that they are working on XXXX XXXX XXXX and that I should wait. So I waited. A few weeks later, XXXX said that my XXXX was ready to be withdrawn from my XXXX XXXX XXXX. I logged into Coinbase, but there was no XXXX balance. I told XXXX this. I explained to her what I thought the problem may be : that the XXXX XXXX  that held my Bitcoin on XX/XX/XXXX ( called XXXX ) no longer exists. After the fork, I had moved my XXXX into my regular Coinbase XXXX wallet, and from there, to a desktop wallet. Then I deleted XXXX. I speculated that the XXXX that is owed to me is tied to XXXX and since that vault was deleted after the fork, my XXXX XXXX had nowhere to go. So I explained all this to XXXX, and she responded with " Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete. '' So I waited. Then, on XX/XX/XXXX, I got a shocking reply from a different Coinbase rep : they sent me instructions on how to re-link my email address to my Coinbase account. What?! I'm not having an issue with my email!! After explaining my issue in great detail, they have once again bungled my case, and they are no longer responding to my queries. I have not heard anything else from them. This situation has become beyond unprofessional, it is ludicrous. Today, on XX/XX/XXXX, the XXXX owed to me by Coinbase is worth {$5600.00}, no small sum. If this is not rectified immediately I will be initiating litigation.
Made an electronic payment to Ditech Mortgage on XXXX XXXX 2016. My banking institution shows a payment yet on XXXX XXXX my Ditech account still does not show the payment received. Ditech customer service says it may be processed later today. How many days do they need? They are the worst mortgage company I have ever dealt with. I have XXXX other mortgage companies I deal with ... no problems at all with the other companies.
I called about inquiries on my credit report from Transunion XXXX 2016 and before, and they are not wanting to remove those inquiries off my credit report
Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXXXXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX
I filed bankruptcy and the debt wa s discharged and  it 's still on my report a year later.
On XXXX XXXX, after receiving numerous harassing calls from Navient, I visited their website, Navient.com to check on a recent payment in the amount of {$140.00}. This payment was in response to I noticed that there was no payment in the amount of {$140.00} instead there was a payment in the amount of {$270.00}. I immediately called them and spoke with their representative, XXXX. She transferred me to XXXX. Her response was as follows : " The {$140.00} was split between account ending in XXXX ; {$130.00} and account ending in XXXX ; {$4.00}. The balance of the {$270.00} was to help keep your account out of default. {$45.00} and XXXX " I informed her that this was clearly fraud. Navient was falsely documenting the files. XXXX ( Navient 's representative ) continued to inform me that account ending in XXXX was a " charge off ''. Surprised at her statement, I clearly gave her the definition of " charge off '' and questioned : ( 1 ) why I had not been notified, ( 2 ) how is Navient still having this on the books as collectable and why have my payments been largely credited to a " charged off '' account. I then requested a supervisor. I was transferred to XXXX. 
XXXX responded to my inquiry into Navient 's irregular accounting practices. He justified it by initially stating that he did not see what I was seeing. When I went further about the defined columns on the Navient 's site, he disputed what I was in fact seeing. He stated that the {$270.00} was not a line item recorded as " received ''. Please see attachment. I informed him of XXXX 's clarification of the item and again, repeated that Navient had done irregular accounting practices. XXXX insisted on blaming the problem on XXXX XXXX, their local office. Upon questioning him on the " charge off '', XXXX had another tale. 
Navient is practicing irregular accounting practices on top of continuous harassment.
There is illicit financial flow. I suspect hidden transaction. Fraudsters advanced. I am still there. That is very unfair.
I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the u.s. mail, a couple weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the U.S. mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.
A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed by from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
This company begins calling me 1 day before my payment is due and then continues to call me 6-7 times daily until the balance is paid. I have never been more than 10 days late on a payment and continue to receive repetitive calls each month.
I took out a HELOC with 5/3 Bank in XXXX. In XXXX, I ran into some personal issues and could not pay the HELOC as the interest rate adjusted. My payment amount doubled. The HELOC was eventually charged off. I had tried to obtain a modification with 5/3 several years ago. It was going smoothly until payment was demanded to do the modification. I was given 1 day to come up with a {$700.00} payment before the mortgage would be charged off. I simply could not come up with the money. Then in XXXX 5/3 brought a lawsuit against me for the charged off HELOC. I again could not pay and consulted an attorney for a chapter XXXX bankruptcy to pay the arrearage. The BK XXXX was approved in XX/XX/XXXXwith a payment to 5/3 of {$400.00} for the arrearage and {$400.00} to keep the HELOC current. In XX/XX/XXXX I sold my property in order to pay off the HELOC. On the pay off I was hit with {$11000.00} and accrued interest of {$49.00}, XXXX. 5/3 also supplied a payment history which I believe does not take into account any of the monies paid to through the bankruptcy. I have made several attempts in XXXX to recover the monies owed to me and to receive a breakdown on how my payments were applied. My bankruptcy attorney was not familiar with this happening as he stated this was the first time he saw deferred interest on a payoff after the arrearage was agreed upon by 5/3 at the time of the bankruptcy filing. 5/3 also used a debt recovery service who has not answered any inquiries I had in regard to my account. All that was furnished was a payoff breakdown to my bankruptcy attorney. 5/3 's debt collection agency did not furnish the payoff until 3 days before closing. I did not want to postpone the closing and jeopardize the sale of the property.