WillisBack/dataset-financial-user-claim huggingface dataset:
Numerous phone calls to employment- when call not returned with in five minutes sent over a bartender from restaurant next to employment with questions why a debt collector is calling them to bring messages to my employment.
My husband has an old debt from a credit card. We would like to settle and pay once we get in a little better financial position. In the mean time, we habe received many threatening letters fro m Weltman, Weinman and Reis law fir m. They threatened to take us to court, garnish our wages and bank account. With fear of them taking out all our money in the bank that we need to pay our house payment and utilities, I agreed to make fair payments,  one  for  XXXX  $ on  XXXX   XXXX ,  XXXX  $ on the  XXXX , and another  XXXX  $ on the  XXXX . This firm took  XXXX  $ out of our account on  XXXX   XXXX ,  XXXX  $ out on  XXXX   XXXX , and another  XXXX  $ on  XXXX   XXXX , which overdrew our account and we incurred fees and now do not have any money!!! I am terrified that this law firm will sue us because they call multiple times a day and send many certified letters with lots of legal verbage with writing that looks like we have to appear in court and our bank accounts and wages will be garnished. Because this firm did not take out the correct payments on the dates I approved, our bank account is now in the negative and we have overdraft charges!
I started writing letters to XXXX, XXXX, AND TRANSUNION ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies ASAP.
Bank checks issued payable to Department of Education to fully pay off my parent loans with Great Lakes. 

XX/XX/XXXX- U.S . Postal Tracking confirmation that the checks were received by the Department Of Education ( XXXX.XXXX XXXX, XXXX, GA XXXX ). 
XXXX Both checks were cashed on this date. 

TO THIS DATEXX/XX/XXXX my account has not been updated with the payoff payments I have made. 

Been speaking with XXXX, supervisor at Great Lakes and she advised me that the checks were sent to XXXX in error. 

How did that happen if the Payoff Statements downloaded from Great Lakes website were attached with the checks mailed. 

The checks were issued to the Department of Education and referenced to Great Lakes. 

How long will it take Great Lakes to rectify the situation?
Good afternoon, My loan servicer Navient ( Account # XXXX ) is changing my payments without prior consent or authorization. I am set on auto pay. Originally my payment was {$41.00}. Then on XX/XX/XXXX it was increased to {$51.00} and today XX/XX/XXXX it was increased to {$67.00}.

Furthermore, I had unenrolled from auto pay sometime in XX/XX/XXXX and without my consent Navient placed me back on auto pay and withdrew funds from my account without my consent.

Please advise as to what can be done.

Thank you in advance.
During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XX/XX/XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with Transunion in the past, XX/XX/XXXX with no resolution from agency
I contacted lending club on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to XXXX XXXX XXXX. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to XXXX XXXX XXXX. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by Lending club. This is totally misleading and deceitful.
First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that XXXX about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.
I recently received a letter from XXXX, XXXX, XX/XX/XXXX, that my home mortgage had been transferred to Select Portfolio Services ( SPS ) and would be effective XX/XX/XXXX. In the letter from XXXX, they stated that all contract agreements about automatic payments would not change with the new service provider ( SPS ). On XX/XX/XXXX I contacted SPS ( I spoke to XXXX ) because my mortgage payment did not come out of my payment account as scheduled. SPS ( XXXX ) stated that my payment would come out on XX/XX/XXXX due to backlog on updating new accounts and another on XX/XX/XXXX to bring us online with the E-Pay contract we had with XXXX. Today ( XX/XX/XXXX//XXXX ) when I called SPS, the recording stated that this company was a " DEBT COLLECTOR ''. I have never been late with my payments to XXXX, so why a " DEBT COLLECTOR ''? I then spoke to two people ( XXXX, and his manager ( XXXX ) who told me that they did not have to honor the XXXX contract ( which was E-Z Pay, consisting of payments every other Tuesday of each month with the 3rd payment on months that have 3 Tuesdays going direct to principal ). I asked why they had not taken out my XX/XX/XXXX payment today as stated that they would and was told by XXXX that because I was ahead on my mortgage payments that they would not take any payments out until I owed. The whole purpose of the E-Z pay with XXXX was to stay ahead on payments. XXXX said SPS would honor those terms, SPS says they do n't have to, that it was not in the contract. It was optional at the time of the XX/XX/XXXX contract with XXXX to make the E-Z pay part of the contract. Once we all agreed on that option of the contract, we were led to believe that it would remain part of the contract, even if the contract was transferred. Now both XXXX and SPS are telling not only us, but other customers ( I was told this by XXXX ( 0n XX/XX/XXXX at XXXX hours ) ) that if it was an option, it is not considered binding by law. I have since in the last few hours learned from looking up customer complaints that SPS appears to be fraudulent in it 's practices. I firmly believe that once the optional agreement of a 3rd payment during the months that have a third Mon/Tue should be considered a part of a binding contract. I also want to know why XXXX was allowed to send my mortgage contract to a " DEBT COLLECTOR '' as stated clearly on SPS phone system when you call when we have not been late on our mortgage payments. That is a slap in the face to those of us who make our payment not only on time, but ahead of schedule. THIS IS FRAUD by both XXXX and SPS.
On XX/XX/17 BB & T bank did two hard hits on my credit via XXXX. I have been complaining to BB & T bank since I received a report of the double hit. Finally after many inquiries to BB & T they sent me a letter admitting that they accidentally hit my credit twice for the same thing. They said that they are human and theyre not perfect. They also said that they asked XXXX to remove one of the hits and that XXXX   complied by removing one of the double hits. 
I have a credit monitoring service which shows that both hits still show on my credit. 
I took that to BB & T bank to show them and two days later I received a call from them saying that corporate said that the problem had been fixed. 
I logged into Trusted ID and I still see both hard hits from BB & T bank. 
I cant get anywhere with this bank so I am asking for help proving that they did a double hit which caused my score to go down 78 points, give it take 2 points. I have done all that I can do to try to fix the problem that BB & T bank caused. And I have not got anywhere with them. 
I strongly feel that BB & T is purposefully lying to me regarding this matter, and I will not allow them to damage my hard earned credit score and get away with it. 
So Im writing you to ask for help to get that extra hit removed from my credit. 

Thank you Mr. XXXX XXXX
I work for XXXX hospital and was XXXX at work so they sent me to XXXX for XXXX. I have XXXX medical insurance and this was supposed to go through workers Comp. I have submitted the paper work several times to Dept collector and human resources. They refuse to correct this issue and have ruined my credit score. They harass me by phone and mail daily and have threatened me with a judgement. I do not owe {$1500.00} for this medical treatment.
On XX/XX/2017 I requested online, through my account message center at PNC to close all my accounts. I was sent a reply stating that my accounts would be closed by XXXX XXXX 2017. My account was not closed on XX/XX/XXXX and is still opened. I talked to someone on PNC chat on their website acted as though they did not know what I was talking about- despite I sent a copy of the email reply. The person on chat told me that I would have to zero my balance out first. I have kept very little in this account and the balance stays the same. Pnc charged me over {$10.00} cents in fees. And despite 2 requests to close my accounts - they are still opened ( despite I was told my accounts would be closed ).
I received notice from Carrington Mortgage Services LLC that my monthly payment would increase by {$12.00} per month for the next year to cover anticipated escrow charges. I offered to send in a check for {$140.00} to cover the next year 's escrow. Carrington representatives XXXX XXXX and XXXX ) told me it did n't matter what I sent in the payments would not change. The company refused to offer this basic customer service.
I have had a Discover card since 1983. I have had to use this card in the past three years for various purchases. I noticed that even making my payments on time and paying just over the minimum, my balance did not seem to go down! At one point I had done a balance transfer to this card only to find out that one month my interest charge was more than my payment!! I cut up my card and sent it back to them. After several attempts to try and get my interest lowered, they wo n't even budge. Now, after making my payment, less than {$10.00} goes to the principal and my minimum payment keeps increasing!!!! I am never going to get this paid and it now has caused me financial issues.
Contacted Hhgregg customer service center in XX/XX/XXXX once statement generated which reflected a higher balance due, thought card information had been compromised when spoke with rep was advised that promotional period for interest rate will be ending and the additional XXXX was deferred interest from life of account ; I advised representative that I did not receive anything in the mail and to charge almost XXXX on an account without warning was alarming she advised me that if I made an payment of {$520.00} on or before XX/XX/XXXX they will waive interest and other fees making new balance {$490.00} ; asked rep to notate the account and advised I will call back in on XX/XX/XXXX to make payment which I did rep was able to see notes on account processed payment for {$520.00}, waived XXXX and again advised me that bill will cycle and new balance of {$490.00} will be reflect on statement and online account within 24 hrs. Which it has not current balance is showing {$540.00} which is XXXX higher than quoted and that amount has been reported to credit bureaus. Would like the XXXX to be waived, online account, statement and all credit bureaus to be notified of correct balance of {$490.00}.
I paid a monthly amount of {$99.00} to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. I was told if I pay this amount for 10 years then my student loans will be forgiven. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service and I was not aware of this. I began payments in XXXX XXXX and they just stopped in XXXX XXXX because the FTC made them seize all operations. So, I haven't even had the time to close my case with them. The money I paid to them could have been going towards my student loans and I am very distraught about this.
This is, I believe, the third CFPB complaint I have submitted against this company for the exact same reasons. You have done nothing to help rectify this problem. Equifax has done everything wrong to try and fix this problem, which is a violation under the FCRA. Both XXXX and XXXX seem to have no problem reporting my credit information accurately and timely. Equifax is the only CRA that is not only falling down on the job, but is basically illegally not furnishing accurate credit information. My XXXX XXXX store card has not updated since XXXX/XXXX/15 now and actually that card is now closed as I was upgraded to their XXXX XXXX XXXX which is also not reporting. Back around the XXXX or XXXX complaint with the XXXX both my XXXX XXXX and XXXX store cards were not being updated, they XXXX were reporting a balance when they were XXXX XXXX, and the only way I could find to get them to update was to dispute the trade line. Out of frustration I called Equifax ( for the 10th time ) to try and resolve this. The CSR I talked to said there was nothing they could do but dispute the tradelines. Angrily I accepted and he submitted the dispute, and to my horror XXXX tradelines were removed from my credit report. Two years ' worth of positive payment history gone. I have tried very hard to build positive credit and this is unacceptable in all accounts. I am just getting around to sending this complaint due to the holidays, but I will be applying for my first mortgage in the next few months, and if this is not resolved by then, I will have to sue Equifax as this is greatly affecting my life. I have spent countless hours on the phone, e-mail, etc. trying to resolve this, and if this affects my mortgage process in anyway, if I get a higher rate because of this, I will be enlisting my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am sure they can rectify this in the courts.
On XXXX XXXX I call XXXX XXXX XXXX and gave my name and insurance name, office person gave me an appointment for XXXX with XXXX.I was given a XXXX minute examination and a referral to another eye Dr., because XXXX claim I had XXXX. I went to the receptionist and she then handed me some paper 's with a different insurance name and she then inform me that they did not accept my insurance.I told her that, there has to be some mistake because I had waited one year and one month to be cover by my insurance and in order to be able to go home and call my insurance of this mistake I paid the bill of {$220.00}. Before I call my insurance I call the XXXX and told them that I had been refer to them by XXXX.I gave them my name and insurance name and they immediately told me that they did not accept my insurance. When I call my insurance and ask why had I been refuse, they then inform me that I went to a Dr. that was not cover by my insurance, and at the time of appointment receptionist should have told me this. I have been trying to resolve this problem for almost one year.American Express have open this dispute XXXX times and each time they claim that they will investigate, after all their so call investigation 's they sided with XXXX XXXX XXXX who XXXX XXXX is with, because they claim that I knew That I was out of NETWORK, when I went to them. My husband went to pick up my prescription 19 days later that they did not give me at the time of visit. I went to my medical Doctor to ask for a referral for eye examination. The Doctor fitted me with glasses and told me I do not have cataract 's. My husband wrote a direct letter to XXXX XXXX, which resulted 8 month 's from day of service, of her sending me on XXXX XXXX '' A Courtesy Discount '' check of XXXX XXXX dollar's.I do not believe that American Express stood by me and " Let Right Be Done, '' as XXXX, '' First Do No Harm '' I have paid American Express {$100.00} and I have a balance of {$120.00} plus interest of {$27.00}, that I feel that I do not owe. I do not intend to be like '' XXXX, I WILL FIGHT NO MORE FOREVER, '' as I WILL.
This company is trying to collect money on an account that is not mine, therefor I'm requesting a full validation of this debt and send me physical proof of this, since I have not knowledge of this debt, in accordance with Fair Debt collection practices act, section 1692g.PleasXXXX provide : A. the original application or contract. 
B.Any annd all statements allegedly related. 
C.Any and all sign receipts. 
D.Any and all cancelled checks. 
Under the law you have 30 days to supply this proof. 
In addition, do not contact me via phone. From now on, we will comunicate through mail and CFPB. 

Sincerely : XXXX XXXX
XXXX/XXXX is attempting to collect on a debt not owed. XXXX is reporting a charge off, which was covered under the insurance I signed up for through their company and made extra payments each month for. When I lost my job, I contacted them and I filled out all the documents they sent me and made sure they received them. I have done my part in making sure I get this debt covered through the insurance I paid for every month, yet they can not due their part and get this debt covered.
Income-driven repayment calculations are based on the borrower 's XXXX and not on gross income.This complaint concerns new student loan payment amounts for federal loans based on a misstated XXXX. 

In XX/XX/XXXX, I recertified for XXXX student loan payments with XXXX. I am both self-employed and employed by a temporary agency. My tax consultant filed an extension for my XXXX income tax return. Due to this extension and the lack of an income tax return, I had to provide my XXXX and XXXX forms to XXXX directly. I did on XX/XX/XXXX. 

Thereafter, I called XXXX on XX/XX/XXXX to inquire about my XXXX recertification. They calculated my XXXX at least {$10000.00} higher than my tax consultants estimated XXXX and set the student loan payments accordingly. 

Because my income in XXXX is drastically lower than last year, I submitted XXXX applications for recalculation. I submitted self-certifications for self-employment and pay stubs from my employer as supporting documentation. After submitting each new XXXX application, I called XXXX to inquire about the status of my application. I submitted new XXXX applications for recalculation on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I spoke with Conduent representatives on XX/XX/XXXX, XXXX, XX/XX/XXXX and on XX/XX/XXXX. 

XXXX lowered my XXXX by about {$13000.00} but their XXXX is still significantly higher than my projected gross income for XXXX. I am struggling to pay my student loan debt. I am age XXXX ; my financial struggles have been exacerbated by medical expenses. 

Conduent does not reveal their XXXX calculations, discusses their XXXX number only when asked, and has stated that I provided " too much information '' or denied my application based on some other issue such as failure to use the word " gross '' income in conjunction with my self-employment. I also newly understand that XXXX is exiting the student loan business and that my loans are scheduled for imminent transfer to a new servicer. I have received little concrete guidance from XXXX concerning what documentation is sufficient but not " too much. '' There is no transparency in their conduct and their XXXX calculations are grossly misstated.
I saw the article about Navient online and realized that I have an extra {$10000.00} on my balance because I was told to " defer '' my loans XXXX times! I was under the impression from the representative I spoke to that this was a sort of " hold '' on my account that would basically " freeze '' my account until I could afford the payments. Now I know this was not the case and have even more to pay back!