WillisBack/dataset-financial-user-claim huggingface dataset:
In summer XXXX I filed for an income-based payment plan ( my Loans were w/ XXXX at that time ) and was told that I would have a $ XXXX monthly payment. I also filed for the Public Service Loan Forgiveness program and as part of that application, my loans were then transferred to XXXX XXXX. Throughout late XXXX XXXX I made $ XXXX/month payments ( despite being on a {$0.00} income-based plan ). In XXXX XXXX I started to receive odd bills saying that I had owed $ 800- {$900.00}. Since I am a resident with a tight budget, I called about this major increase in bills. I was then told that I needed to go in to forbearance if I could n't afford this. As a result, ~ {$4000.00} interest capitalized on my student loans. I then filed a complaint with Federal Student Aid, as a I felt that my payments had been incorrectly calculated and I had been unnecessarily forced in to forbearance. It took nearly 60-days to receive a response ( to be fair, their site says it may take this amount of time ), and they found numerous errors in my account. I was told that in order to fix they issues they would have to de-convert my loans back to XXXX and then convert them back to XXXX XXXX with the correct payment info. That has occurred, for the most part. However, as a result of that process, my income-based payment plan has fallen off and for the past 2 months I have had to make payments of ~ {$2500.00} ( that is 89 % of my monthly income! ). I have been told that the only option I have is to cancel my direct debit and just " not make the monthly payments ''. I have not done that due to not wanting to default on my loans and I also do n't want to file for forbearance and have additional interest become capitalized. Furthermore, during this conversion/deconversion process multiple loans installments have been marked as delinquent and are now on my credit report.
I filed Chapter XXXX in XXXX ; Navient was listed on here and was supposed to stop contacting me while I was in repayment. They kept at me and in XXXX told me I had to consolidate my loans or they would go into default. I didn't know what to do so I did what they said not knowing any different. I found out in XXXX that this was a lie and that because I did the consolidation I was not protected from them any more. 

In XXXX I contacted Navient several times to get income based loan repayments set up. They refused to help me and said that because I had no income so they told me they couldn't set up any plan because I didn't have pay stubs so they put me in forbearance. 

Later that year the welfare office helped me find the paperwork to complete for income based repayments. I completed the paperwork and set it to them. I did not hear back from them for months. Finally I got a letter from them telling my I was missing documentation of insurance and they could not process it. I got the documentation again from the department of welfare and sent it to them. 

I didn't hear back from them and I called many times. Every time I called I was pushed around to other people and hung up on. I had no idea what to do. Then in XXXX I get a letter that the Department of Education has my loan and I am in default. 

For the past 4 years I have been taking care of my XXXX son and working when I can. I have tried numerous times to work out a payment plan that works with my income. Navient has not only lied to me ; they have treated me terribly. The department of education who is the new servicer of my loan could care less. So now they sent me a letter telling me that my loan will be offset by my tax return. 

I wanted an income repayment plan that worked with my low income.I am on welfare due to how little I make. I am doing my best here and I have tried to take care of this. My tax return may not be big but that helps with my sons expenses. 

How can I get this fixed? I am desperate here ; I feel that no one cares and I was pushed into a situation that I had no control over.
I suggest that Synchrony Bank absolutely knows what they are doing and should be reprimanded and fined. I had 2 cards, one with XXXX and another with XXXX through Synchrony. In both cases I was signed up for e-billing. The balances were low and the month they were due I researched my files and I had never received an e-bill. Both accounts were then charged large fees and interest. 

I went back to my last XXXX bill and found that Synchrony had applied a fee of {$14.00} on a bill of {$13.00}. The same situation occurred where no e-bill was sent. I paid the bill without recognizing the fee. The most recent bills are as follows ... .... 

1 ) XXXX {$330.00} purchased + Fees {$25.00} + interest {$7.00} no bill received the first month it was due, only the second month with the fees and interest added. 

2 ) XXXX {$71.00} purchased + Fees {$29.00} no bill received the first month it was due, only the second month with the fee added. 

Now XXXX has just issued new cards through XXXX. Do they know something? Has this been reported before? I believe this is a practice for profits from Synchrony Bank. 

I have been issued credit for both 1 & 2 above. There were no questions and they immediately resolved the issue ( 2 different phone numbers ) when I told them this was a scam. 
Maybe they have trained their personnel about the process?
I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the XXXX center. I was in the XXXX center at XXXX in XXXX XXXX for my XXXX  XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then XXXX added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.
In XX/XX/2014 I applied for a loan through Avant Credit for XXXX  work. They approved the loan and 5hem said 5hey were turning over to XXXX XXXX because they did not do medical loans but XXXX XXXX did. XXXX XXXX was funded by XXXX XXXX XXXX and everything was set. Ended up going through a Debt Consolidation company to get out from under some debts and XXXX XXXX/ XXXX XXXX settled the debt for XXXX. Now Avant/ XXXX XXXX XXXX is suing me for the money saying I owe it to them. I do not owe this money. It was settled for the XXXX I mentioned. Now every one I talked to has no record of Avant Credit sending anything to them and Avant Credit says they don't know anything about it!! I was told by the rep from Avant Credit that it would be XXXX XXXX in charge of my loan. Now they are saying that never happened and are suing me for the money!! I don't owe Avant Credit this money!! I don't know what else to do!! I also have filed with XXXX and they suggested that I file with you also. I only have 30 days to figure out what they are doing and file an answer to them. I really do not owe them this money.
I have an account in good standing with Simple bank. They misunderstood my comment that I am often abroad and misconstrued this as me living abroad permanently. They have decided to close my account while I am having XXXX done at the XXXX Hospital in XXXX. I have re-iterated to them that I am permanently resident in the USA in the state of CA and they have no cause to close my as account. They understand this but will not correct their mistake. I am very unhappy about this situation. I am XXXX and having XXXX and they are closing my account even though they admit there was clearly a misunderstanding.
I recently requested a copy of my annual credit report and notice an item on it that does not belong to me. It is a credit card by Chase and it has me listed as an authorized user, which I never requested. I send a letter to Chase disputing this account and they did not respond. Now they pull a hard inquiry on my report which I did not authorize. I want this account and the inquiry removed from all of my credit reports since this account is not mine.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies.
They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.
This number ( XXXX ) XXXX has called me at least 15 times within the last month about a debt my sister has. I told them that I do n't talk to her and to stop calling but they continue to call. I blocked their number but they still call using unknown number. They just recently called me today, X/X/18/, at XXXX XXXX
ACCOUNT NUMBER XXXX MONTHLY AMOUNT {$380.00} DUE DATE XX/XX/XXXX WELCOME TO MYACCOUNT XXXX MAKE A PAYMENT RECURRING PAYMENTS ACCOUNT HISTORY MY MESSAGES MY DOCUMENTS FINANCIAL LITERACY AND YOU USER PREFERENCES LOG OUT MESSAGES INBOX SENTDELETED CREATE MESSAGE DELETE FROM SUBJECT DATE TOPIC XXXX No late payment, all payments were made, Total recovery was paid and cleared out. XX/XX/XXXX XXXX XXXX Credit Bureau Inquiry XXXX payment made XX/XX/XXXX XXXX XXXX Payment Inquiry Showing 1 to 2 of 2 entries ACCOUNT SUMMARY CONTRACT Contract DateXX/XX/XXXX Maturity DateXX/XX/XXXX APR ( % ) 22.62 Org. Amt. Financed {$14000.00} Monthly Payment {$380.00} Amount Remaining {$0.00} Payments Made13 Months Extended0 VEHICLE Model YearXXXX MakeXXXX   ModelXXXX Last 6 Digits of VINXXXX GET PAYOFF I have enclosed proof where this account was never late and has been paid in full. Its still being reported negative on my credit report.
Despite my four written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Experian stated in writing that they verified that these items are being reported correctly. Experian refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Experian is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Experian to post the accounts listed below is evidence that it does not exist and therefore is proof that Experian can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Experian 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX XXXX ( remove unverified account ) 2. XXXX XXXX XXXX ( remove unverified account ) 3. XXXX ( remove unverified account ) 4. XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified late payments XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX )
XXXX was advertised on XXXX XXXX based on my credit scores as a place to apply for an auto loan. My XXXX XXXX is well above good. I filled out the various pages on XXXX 's page to apply for a pre-approval. In a matter of seconds, they responded with a rejection and placed a link to XXXX for this loan. It is my view XXXX is a phishing link for XXXX, they had NO intention to approve a loan based on the instant rejection. I have not been rejected by other lenders, rather I get offers each day for auto loans. Their web-site has no phone number to call either, no one to speak to. It is not a credible loan servicing company in my view based on my experience with other lenders.
Each month Union Bank takes the transactions out of sequence on my checking account, which makes the account go into overdraft and then by adding late fees so that the balance is always negative and charging {$33.00} per overdraft, follow by XXXX per day for late fees per item. I feel they do this to collect extra fees that they are not entitle to receive. In addition, when you address the situation, they will only give you a partial refund of your money, and keep the late fees on account that should not have been there due to their mistake in the first place. I print a bank statement almost everyday, and always keep a copy of every receipt noted with the date and time, on several occasion they have done this, and the clerk will state that its your fault for not maintaining your account improperly. Sometime I just pull all the money out, so that they have nothing to lie about. Each time that have charge me as high as {$160.00} to {$390.00} dollars. and there excuse is that it takes a few days to receive a electronic transaction. I work in retail over the last several years, and most transactions takes no longer than 3 minutes to debit any account. I think its time someone looks into this matters, because it might be a lot of people suffering in silence because they may be too embarrass to say this is wrong,
To drop my PMI, Bank of America is insisting that I use their appraisal company that is charging {$570.00} to do a home appraisal. Home appraisals in this area are {$450.00} at the high end some are much lower. They are licensed by the State of Texas so I should be able to chose one on my own. So my complaint is that they are forcing me to use their appraiser and pay a much higher fee. They are also charging {$170.00} for a Stand Product Listing fee. 
It also took two request to get a letter from them that allows me to schedule their appraisers, then I have to mail it to them and wait on a response. They are slow to act and will not give you any information on the phone about if you are near the 80 % mark so you are just taking a chance and paying the large appraisal fee to maybe be told no your not quite there yet. They should look at the appraisal district which is usually lower and be able to give you an estimated time when you would be eligible and not just wasting money.
For the second year in a row, I have submitted my Income Based Repayment Forms as per the Instructions for Submitting the Request included with the form ( see attached ). I sent it via fax in XX/XX/XXXX in order for it to be processed by XX/XX/XXXX. I believe it is absurd to have to submit the paperwork three ( 3 ) months in advance in order for it to be processed ; nevertheless I followed the instructions given. 
Once again, I am forced to resubmit the paperwork by email ( an option that is not available on the Instruction form ) and I have to wait 7-10 days for the email request to be processed. It will then apply to my XX/XX/XXXX statement, forcing me to agree to forbearance as I can not make the required payment for XX/XX/XXXX ( which is why I am asking for IBR option in the first place ). This means that the interest for this month will be capitalized to my student loan because of ACS 's negligence in processing my timely request for IBR. Attached are the forms I submitted on XXXX XXXX for my XXXX XXXX payment, along with the fax confirmation that ACS received the paperwork. 
In XX/XX/XXXX, the same thing happened. I submitted the paperwork in XX/XX/XXXX for IBR by mail and they also indicated they had not received it. I resubmitted by fax and again they indicated they did not received it. This caused negative reporting on my student loan and again, the only other option available was to request forbearance and have the interest capitalized on my loan. They processed my request in XXXX XXXX after multiple attempts to have my request processed. 
As you may know, it is hard enough dealing with repayment on student loans that ACS has to add to the burden by having unreliable methods of communication, requesting unreasonable efforts on behalf of the students to submit a simple form and by forcing students to have the interest capitalized when ACS has failed to process and IBR request by only offering forbearance as an option. 
Remove any negative reporting during XX/XX/XXXX, apply any interest capitalized as a result of ACS 's negligent servicing of my student loan to my loan principal, add the email address ACS uses to process the request to the " Instructions for Submitting the Request ''.
I applied for an XXXX Credit Card, it was delayed, wanted verification of whom I am asked me to call their REP. I did no questions were asked of me just left on hold for a while then call concluded. next I received a letter from XXXX XXXX Creditor their letter said regretfully I was denied Credit based on the information they received from various databases and their Customer Service Agents questions, I received no questions from their Customer Service Agent. The his is Discriminatory, XXXX and Illegal. 
I know whom I am my ID can be verified CA DMV with fingerprint, the Social Security Office XXXX XXXX, XXXX XXXX etc. I am sure my DNA is available to be checked. 
This is Discriminatory on the highest level.
I have a private loan hat was taken out orginally with XXXX XXXX XXXX  for XXXX in XX/XX/XXXX approximately. I paid $ it down to XXXX   And then the loan was sent to XXXX. I received startments saying no Chang in in interest rate of 5.85 and no money due on loan for several years. Now my worst nightmare Navient has the loan as of XX/XX/XXXX. They promptly raised the interest rate to 6.85 % and increased the loan {$4400.00} by anding interest. This is my son 's loan he has an excellent credit rating, so why they did that I do not know? I just want to pay off the balance of {$3500.00}, an never hear the name Navient again. I am a cosigner on the loan so that is why they came after me. If I would of known that they would do this of course the loan would have been paid promptly with XXXX  in XX/XX/XXXX. The payment for this loan is XXXX/mth that is crazy who does this? That is so fraudulent, this amount only pays interest on this loan who does that? Navient that's who!! I want to be done, I will pay XXXX directly or with a settlement letter of {$3500.00} to Navient nothing more. I am XXXXyrs old my husband is XXXXyr we are being taken avantage by this company.

Please help us to settle this fairly.

Sincerely, XXXX XXXX XXXX
BANK OF AMERICA continues to report my account as CHARGE OFF account was paid XXXX continues to report as account current and charge off
I look on my account on line. on XX/XX/XXXX. i noticed that there is 7 deliquent notices and i have never recieved one of them. I should be recieving this information in the mail. now on my account, for i do not check my account on a daily basic, I did send them information to lower my payment in the month of XX/XX/XXXX.Copy of my paycheck, bank statement and my XXXX  for XX/XX/XXXX/XX/XX/XXXX. I did not recieve any information that they recievced it. NOT even on there web site. because of this i am behind on payments. my financial  situation has changed.
this deals with my synchorny XXXX XXXX XXXX card. i never dispute. but i was overcharged on XX/XX/XXXX by XXXX. by XXXX dollars i have called them no response written i called the bank yesteray XX/XX/XXXXno response she was nasty i did not know it then but XXXX overcharged me for train tickets. they should have been XXXX each times 2 they overcharged me by XXXX by mistake whatever i did contact them and the bank i need the money back please from XX/XX/XXXX XXXX dollar charge please. this is on synchorny card XXXX XXXX XXXX
On XX/XX/XXXX I called Experian for two reasons. I asked them what happened to my XXXX card that was reporting and why has n't my authorized user account from my sister XXXX XXXX not reporting yet. 

They stated they did n't see a XXXX on my report and that there was never a XXXX card reporting. I explained that that was not true and that i have had the card sine XX/XX/XXXX. They stated it was never on there and that they did n't know what to tell me. They explained they can have someone look but they did n't know. When I asked about the XXXX XXXX they said they removed it from my account because there was a late payment from XX/XX/XXXX. I asked them why would they remove that because it was positive on my report and they said they had the " right '' mot because I was n't responsible for the debt. I explained that I needed that to report on my credit and they said they did n't know what to tell me again. 

I asked where does it state if there is a let payment you wo n't report. The supervisor ( XXXX out of XXXX TX ) stated he 's not her to prove anything to me. They took it off and thats that. He then stated he was n't explaining himself to me any longer and that it wo n't report until XX/XX/XXXX. I asked him who gives them the right to say what can not go on my report if I authorized it and he stated he has it. When I asked to be transferred to a different supervisor he stated he can take my name and number and have someone call me. To this date no one has called. 

He then to me to call XXXX because he had no other suggestions to tell me.
Sometime in 2016, I was contacted by a collection company via telephone regarding the debt. I explained that I had a disputed account by their client, and that I needed validation of this debt. I provided a current address, and requested that the documentation be sent to me so that I could verify the alleged debt and handle a dispute accordingly, if necessary. I requested not to be contacted by phone because it was during work and inconvenient. I never received verification documents or correspondence regarding my dispute. However, Portfolio Recovery Associates, LLC is now reporting 'Dispute resolved-consumer disagrees '. I did not know any investigation had been conducted because I was never sent the verification of debt I requested. No letter advising me of any results of my dispute was sent to the address I provided nor to a current address on my credit bureau reports. I have never received any verification or dispute documents regarding this account, yet Portfolio Recovery continues to pursue me for this unverified/disputed debt and reports that a was dispute resolved. My right to verify and/or dispute this debt according to federal laws has been compromised.