WillisBack/dataset-financial-user-claim huggingface dataset:
I received the original notification from Navient that it was time to begin making repayments on my Student Loans. I knew that was to be expected and planned to do so when I completed my degree, but I had no idea how high the payments would be because the interest alone. I contacted Navient to discuss options and explained to them, there was no way I could pay that much at a time every month going forward, not and pay my bills. The payments were outrageous and cost prohibitive!! Navient said my only option was to consolidate. I went through the consolidation process and set up automatic recurring payments with Navient so they could begin taking automatic withdrawals from my bank account. However, in order to get a payment I could afford I had to stretch out my loan repayments until the end of time - I will be XXXX years old before I can get it paid off and I will have paid over {$40000.00} in interest alone - interest! To make matters worse, I wound up having to take some additional classes. I expected the payments to continue as it had been stated they would and could not stop once the cycle was set in place. Navient stopped withdrawing my payments when my courses began. I contacted them and told them I did n't want the payments to stop because I did n't want the interest to build any further as the interest was more than my loans already!!! Navient said the payments would not resume until I was done with my classes and it cycled up again. I told them I was not happy about that and had set up the payments knowing and expecting them to continue. I have continued making my scheduled payments ever since. I would have liked to go on to get a XXXX degree - but there is no way. The decision to advance my career and get ahead - to be able to afford life is a pipe dream and a scam. Student loans are great, but I gave my degree to loan sharks who only find ways to reap more interest out of me. 
ALSO - I have a loan amount that is a Consolidated - Subsidized loan. It is {$850.00} at this time. I ca n't just go to that one and pay it off in addition to my monthly payments that includes a much, much larger Consolidated Unsubsidized amount. I would love to cut off that chunk and at least stop the interest on it. 
**I am afraid to make any additional payments to any of it because I know my husband has had to prove his payments to Navient on more than two occasions because they were not crediting his payments correctly. I do n't want to deviate from their payment plan when I am able to pay more towards my balance for fear they will lose track of my extra payments and I will just be out the money. 
This has been a very frustrating and costly experience and I am still held back from going further by my student loan debt. Student loans are just another way to steal from and take advantage of those trying to better themselves in the job market.
First of all when I was approved for the loan it was more the payments a month were more than they were supposed to be % wise for how much I was earning. The company had also contacted my place of employment after both I and a manager asked them not too seeing it was my place of work, they also have contacted a few of my referrals trying to get a hold of me even after I told them to stop calling my work cause I was no longer employed there, possibly one of the reasons why I was let go. I have also told them to stop calling me EVERY DAY sometimes multiple times a day they would call because I do not have any income or help that I would be able to pay them, I told them when I get money you will get it. They have left messages after messages on my machine and one unfortunately my husband deleted due to him being upset they were still calling but in that one they were trying to get me to call them back saying they had me down a s a " reference '' which I know was a lie cause nobody I know would get a loan thru them.
I have a student loan that says it is over 130 days late with equifax and they refuse to erase it saying it is my loan, the only thing is, I do not currently have any loans open under my name, which I confirmed with the student loan government department.
I have a HELCO where the draw period ended in XX/XX/XXXX. The HELOC became amortized at that time. Months before, I requested Bank Of America agree to reduce the amount of the amortized payment, possibly amortizing the amount over a longer period. 
In 10 years I never made a late payment and did not ever want to be late. I just want to repay the loan, making a payment I can afford. 

Bank of America rejected this, stating I had shown no need for this request, and did not fit their delinquency program requirements. 

In a mostly boiler plate letter, the representative, XXXX XXXX, said if circumstances changed, reconsideration may be available. I sent her a letter on XX/XX/XXXX, showing a change in circumstance. Not hearing from her, I left a voice mail on XX/XX/XXXX and again on XX/XX/XXXX. Still not hearing from her, and having no main phone number to call, I left a message on the voice mail of XXXX XXXX, letting her know I knew this was not the correct extension, but hoping she would have the courtesy to call me back and refer me to the correct person. Again, she has not called me back. Apparently, the only way to get Bank of America to respond, is to file a complaint.
Municipal Service Bureau ( MSB ), acting as a collection agency on behalf of XXXX, NY ( XXXX ) has requested a payment in the amount of {$1300.00} for a service that was never requested. 

XXXX. also acting as a debt collection on behalf of XXXX, has also made an attempt to collect this debt in the amount of {$380.00} for services that were never rendered. 

Please note, that supporting documentation can be provided upon request.
n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit  score dramatically and I have attempted to correct this with XXXX XXXX, Experian, XXXX, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.
I received a solicitation from Chase Bank in the US-Mail encouraging me with a {$250.00} ( not {$200.00} as the bank claims ) reward if I opened a new savings account with {$15000.00} and kept it in for 6-months. So on X/X/17 I opened a account as a new customer using the coupon and the bank representative kept it. 

After the six-month period expired I attempted to close the account and yield the reward. But the bank told me they had forgot to to enter the " coupon code '' into their computer system. So I was told they would fix the problem if I came back a few days later. So I did. But they did n't fix it. The Bank Manager XXXX XXXX told me to get another coupon and he would fix things. So I did. XXXX entered the coupon code into the system and then tried to keep it the coupon. I asked for it back so I would have documentation. He gave it back and told me to come back after some period. So I waited at least a week and returned. Still the bank had not fixed the problem. A bank rep. then told me to come back at XXXX XXXX and talk to the Manager XXXX. I never agreed to come back at that time. Instead I waited about a week and returned. 

This time I met with XXXX and he told me he was only authorized to give me {$50.00} but that he would n't do that because he did n't feel like it. Then he handed me a check for {$500.00} and told me to leave the bank. 

I never told him to close the account. I was trying to close the account but not till the problem was fixed. 

I never received the {$250.00}. However I did get XXXX cents in interest. 

I kept my end of the deal but Chase Bank gave me the run-around and violated our contract.
I applied and was awarded a Bank of America Platinum MasterCard in 2013. They approved and awarded me a credit limit of {$10000.00}. I have paid consistently without incident. Now they have dropped my limit to {$8600.00} which has impacted my credit score because I owe {$7500.00}. So instead of being {$2500.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Bank of America increase the limit back to {$10000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.
TransUnion reporting fraudulent and innacurate info that is in violation of FCRA regulations. Also, TransUnion had wasted on average of 2 hours per day, due to uneducated, incompetent, purposely installed customer service reps located in XXXX so that TransUnion creates an impossible process to dispute items. TransUnion should be ashamed of themselves but they obviously won't be because TransUnion goes out of it's way to XXXX the American consumer. They will have their day of reckoning with the department of Justice, along with XXXX. They need to change my report specifically the XXXX XXXX account. I have never been late, nor do I have a balance with XXXX XXXX. Also, they are not reporting my student loans accurately. They will make excuse that they rely on data from company that they receive kickbacks from, when in fact I have communication from respective company 's on my report that states they contacted TransUnion to change info but transunion did not comply. 

Social security number XXXX
Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$210.00} in erroneous and excessive overdraft fees which has caused my account to have a severely high overdraft amount. On XX/XX/2018, BB & T Bank charged me {$72.00} in over draft fees, on XX/XX/2018, BB & T Bank charged me {$36.00} in overdraft fees, and on XX/XX/2018, BB & T Bank charged me {$100.00} in overdraft fees. I called BB & T bank 's customer service line on XX/XX/2018. I told them that I wanted to dispute a transaction that took place on XX/XX/2018 on my account with XXXX XXXX who erroneously charged {$130.00} on my account. The BB & T customer service agent told me to dispute the transaction with XXXX XXXX and wouldn't let me dispute it with BB & T. I told the customer service agent that BB & T as a result of this XXXX XXXX XXXX BB & T Bank is continuing to charge me overdraft fees. The BB & T customer service agent told me that BB & T would reverse the overdraft fees if the transaction is reversed. I expressed my concern that BB & T is continuing to excessively charge me overdraft fees on my account, the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$66.00} with XXXX XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$19.00} with XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. 

I again called BB & T on XX/XX/2018 regarding the XXXX XXXX transaction that took place on XX/XX/2018, because BB & T was continuing to charge me overdraft fees on my account. The BB & T agent didn't care again that BB & T Bank was charging me excessive overdraft fees. 

BB & T Bank is abusively charging my account overdraft fees. I called BB & T Bank customer service while the overdraft fees were being assessed on my account because I had disputes on transactions that had gone through, and the BB & T Bank customer service agents didn't care. BB & T charged my account {$210.00} in abusive and erroneous overdraft fees between XX/XX/2018 and XX/XX/2018 which is causing my account to be severely overdrawn.
Barclay 's Bank is cheating from their customers, I got credit card Arrival+ # XXXX from Barclay 's Bank.They offered bonus XXXX miles, if i have spent $ XXXX in 90 days, which i spent and paid their money in time.but i never got the offer, so canceled the card.I earned their bonus miles, but i never had chance to get bonus miles for airline ticket, every time i called the bank said my miles are not ready, i need to call back in the future.today, i called again & again, today, they just said my miles expired already. this is totaling cheating from their advertisements, they still offer this bonus offer all over media & internet, but you can not get the bonus miles.!!! I have more than XXXX miles at least, i earned and qualified from them, and i am asking my miles, i can not get it, it less than year, i tried several times, there is no way i can get from the bank, i really need your help to get my earned miles, so i can use them as airline ticket. 
finally the bank is cheating from their customer and this is totally manipulating, this is not the offer in the advertisement, this is the other cheating problem also!!
I have an Amex offer " Spend {$60.00} or more, get {$20.00} back '' on XXXX XXXX. I placed an order onXX/XX/XXXX. The initial charger was {$60.00}, then I received a confirmation email titled " Great news! You just used your Amex Offer ''. The content is " Dear XXXX We appreciate you using your Amex Offer at XXXX XXXX. Look out for a {$20.00} statement credit, which will automatically be applied to your statement if your purchase meets the offer terms. '' There were some items in my order were cancelled without notice. I only know this cancellation after the shipment, when was XX/XX/XXXX So the charge was adjusted to {$46.00}. Now AMEX refused to give me this {$20.00} credit. The cancellation was out of control at my side.
Have issues with Wells Fargo in the past and I never liked the XXXX XXXX XXXX sold my mortgage to them years ago. I never trust Wells Fargo. I never had issues with XXXX XXXX XXXX even though there has been some talk about them. If I could I would like XXXX XXXX XXXX take care of my Mortgage or if Wells Fargo has been cheating on my Mortgage I want my Mortgage Closed. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX
On XXXX XXXX  2018 I inadvertently made a payment to my closed XXXX   American Express Account, instead of my open Blue American Express Account.

American Express States the payment must have gone to my new XXXX XXXX Account.

I have written confirmation XXXX XXXX does not have the payment ; that AmEx no longer transfers payments to XXXX XXXX.

I have written confirmation from XXXX XXXX that the electronic payment was made to and accepted by American Express.

American Express refuses to give me any type of file number to reference this issue. American Express refuses to accept any of the written documents from XXXX or XXXX XXXX  concerning this issue from me.

I brought this to the attention of American Express and XXXX within 48 hours, as soon as I realized I had made an error. American Express keeps telling me they are looking into this. It has been over 2 months. How can a payment be made and accepted to a closed account???? This is causing a nightmare, I live paycheck to paycheck, and the snowball effect has now occurred, causing late fees to other accounts as I just do not have enough cash to cover the missing {$200.00}
I filed bankruptcy XX/XX/XXXX listing XXXX as a creditor whom failed to show for the hearing. I also disputed this debt on my credit report with XXXX and it was removed only to now be relisted as of XX/XX/XXXX. This is a violation to myself and under the Consumer debt relief act under the Federal Law. I want this to be removed as I am asking in good faith that Convergent Outsourcing Inc . Attempting to deface my attempt to move on and get my credit back on track to keep from having to file a legal suit that they would place this back on my credit with a new debtors date for an old debt.
In XXXX, XXXX, I received a second bill from XXXX XXXX for a visit in XXXX, XXXX for which I had paid at the time with my check card. In the interim, my credit union had voided my card and issued a new card due to a potential problem with card numbers being stolen. I NEVER received a first bill from XXXX XXXX. I had no idea there was a problem with the payment. I immediately paid the amount owed via their online payment service, XX/XX/XXXX. Approximately 2 weeks later, I received a bill from a collection agency, Receivables Management SystemsXXXX XXXX XXXX XXXX, XXXX, VA. I called this company and informed their representative that the bill in question had been paid by me. The representative confirmed this, but indicated that the collection would nonetheless stay open. On XX/XX/XXXX, I received another notice from Receivables Management Systems threatening to turn information over to credit reporting agencies. This, despite the fact that they had previously confirmed that the original bill was paid by me. This is pure harassment. The fault lies with XXXX XXXX for not informing me of the billing problem, and secondly with Receivables Management for continuing to contact me over a bill which they confirmed had already been paid.
So a few years ago, I had XXXX XXXX and I cancelled my account using the my XXXX XXXX. Under the Servicemembers relief act. I handed the representative at XXXX a hard copy of my orders and he said dont worry it will be taken care of so I said thank you have a nice day and did my 12 month XXXX. So now I look on my credit report and it states I owe XXXX {$640.00} when the account was canceled I did not lease a phone, I did not have a outstanding balance. The company EOS CCA to which is collecting this unjust debt. Is refusing to acknowledge my orders and the service members relief act. I showed them my orders and even provided them proof that Im still serving in the United States XXXX. They are rude and refuse take the account off my credit. Ive disputed it and exhausted every other option. Please help me. I have the provided documents that will hopefully help
XX/XX/XXXX, My ex wife applied for a title loan through XXXX XXXX XXXX on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XX/XX/XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XX/XX/XXXX, on the garnishment order that I received from my employer shows a mailing address of a PO BOX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?
My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. For whatever reason this company did n't get a termination letter so still want to keep this is my name when clearly I had a lease with real estate XXXX in XX/XX/XXXX till XX/XX/XXXX. At the beginning I called them trying to work something out thinking that for the time I was there I owed something. Shortly after I investigated the entire situation and realized they 've made a mistake. I want this company investigated and shut down I already filed a complaint with them before plus with the credit bureau having them investigate 6 times but they just try to send it back to them. I want someone to be done. XX/XX/XXXX they are accusing me and its XX/XX/XXXX??? Really they are that thirsty for commision bc their scams are n't working so they attack the ones that actually calls them trying to resolve thinking that they will talk them into paying whatever they say. Please review closely and this time you have my permission to shut them down. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this pro
I have tried to fax over documents proving I have paid my debts off 15 working days ago.. I still have not received a response and the creditors are saying they have let the credit bureaus know .. Transunion REFUSES to take this off my report and can not be reached through fax
I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Capitol one autofinance has continually called me and my employer. They call me multiple times a day from multiple numbers. They dont leave messages or identify themselves. They had disclosed the nature of the call to my employer when i wasnt there.