WillisBack/dataset-financial-user-claim huggingface dataset:
After leaving from XXXX, my payments for both XXXX and Navient began to kick in. At the time I was making an annual salary of {$47000.00} and living away from home, in XXXX I took the time to calculate my cost of living which included my rent, groceries, public transportation to work, and monthly loan payments to several lenders ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and Navient ). After reaching out to Navient to try to lower my monthly payments, since I would rarely have enough money to eat after paying, I was told unless both my consigner and I could not afford it my only choice was a forbearance. Being that my father is my consigner and I did not want to burden him with my payments. The way the forbearance was communicated by the Navient telecommunications person was very misguided. He made it seem as if it was a small grace period that the company allowed for their customers in order for the customers to find some other alternative if they could not afford said payments. There was never any mention that by accepting forbearance you penalize yourself for at least 12 months without any chance of being able to refinance your loans with another party. This is just one example of what this company has done to prolong my time in debt to them. They are constantly penalizing me with interest payments that I do n't understand. Until now I still can not make payments on time since my salary simply does not allow for it. Unless I was to starve myself or walk an hour to work everyday I will never be able to afford these payments. My life has become full of XXXX because of companies like Navient and XXXX XXXX. I look forward to the day I can refinance with another more trustworthy institution. No one should have to live this way.
I was charged {$740.00} on X/XX/17 by XXXX XXXX for a reservation that was not authorized by me. I was the passenger for the reservation, but the purchase was made and authorized by a 3rd party, using the 3rd party 's credit card information. XXXX did not credit my charge card after I disputed it with Chase ( credit card company ) stating that becuase I used the ticket and my phone # and email address were associated with the reservation that I must have authroized the purchase to my credit card. That is NOT the case. The 3rd party provided their credit card information ( including billing address ) via phone for the reservation and mistakenly I WAS BILLED. I can not reach the 3rd party at this time, but that is not relevant. XXXX XXXX provided documentation to Chase in response to my dispute showing the WRONG BILLING ADDRESS in the transaction, so therefore I did not authorize the charge, since the billing address associated with the charge is incorrect.
XXXX has been non-compliant with removing the unverified account PINNACLE CREDIT SERV XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that PINNACLE CREDIT SERV was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
over the last 11 months I have made various payments and specifically requested that they go towards PRINCIPAL ONLY. The lender Ally bank has refused to comply and gives me the extreme run around. Keeping on the phone for 20-30 min, telling me a supervisor will call back and they never do. My current balance is listed as XXXX when it should only be around XXXX. Which is what the issue has been incorrectly applying my money where I want and need it to go. I should n't have to go round and round with XXXX reps over less than a 7 day time frame
I first sent complaint to XXXX XXXX of the XXXX XXXX. He deals with problems. 
He said to contact you. 
I undid an Annunity with Merrill Lynch XX/XX/XXXX. I had held it past 7 years so theysaid I could do that as I prepared to downsize and have money to put down on a house until sold present one. 
What I did not know until tax season here XX/XX/XXXX that there was a " GAIN '' on it and I would pay more then a few hundred on the gain. 

I was not familiar with gains on this type thing and Was told legally by Merrill Lynch they can not even discuss gains or use that term. I apparently waived paying taxes thinking it would just be a few hundred dollars!!!! 
Little did I know I owed {$7000.00}!!!! 

I have talked for 3months to Merrill Lynch and have no satisfaction. They have said Legally they have done everything right. They told me government set up this rule to not discuss gains and that is upto me as a consumer to know or ask, so I am out of luck. 

There is a lady in XXXX with Merrill Lynch that has done the research and sending the paperwork to me!!!! 
So all I Know is I live in XXXX, XXXX and apparently some banking rules need to be changed so another XXXX citizen does not literally pay the price like I did. 

SincerelyXXXX XXXX
I have several federal loans through Navient, and I am aggressively paying off the highest interest rate loan(s) first on top of the auto-debit program.  Whenever I make additional payments to the loan (XXXX) with the highest interest rate, I always choose not to move back my payment for the auto-debit.  I noticed that once the auto-debit occurs, it will only subtract the interest for XXXX, and not put any money towards the principle.  The extra money from the auto debit is allocated among the other loans I have, which all have the same or smaller interest amounts.  I have contacted Navient 6 times in a month to have everything retro-actively billed correctly, and to have future auto debit payments be allocated correctly.  They assured me that it has been fixed and that the next auto payment will apply the payments correctly to each loan, regardless of any extra payments I made to XXXX.  When the next billing cycle passed, I noticed that it was still only auto-debiting the interest on XXXX, and not making a dent into the principle.  I had to talk to a supervisor at Navient and he said there was a software issue that they are trying to fix and that in the meantime, the only way to ensure each loan gets auto-debited correctly, is to bill all loans separately.  This is now going to cause a separate transaction each month on my checking account for each loan that I have.  This has been a frustrating experience with Navient to say the least.
This is a second complaint. Original complaint case number is XXXX. Not only has NationStar been untruthful. evasive, they also use fraudulent or deceptive practices in their responses to the first complaint, they have continue to do so. Since I filed the first complaint, below is a list of illegal action take against me by NationStar. I have also attached supporting documents to show NationStar claims are fraudulent and deceptive : 1. NationStar misrepresented the amount owed. The partial payment amount was {$1300.00} has ballooned to {$5800.00} as of the statement provided by NationStar XXXX/XXXX/XXXX. see attached. 
2. Reporting false information to the credit reporting agencies. According to XXXX, I was 30 days late with my payment for XXXX, XXXX, XXXX, and XXXX XXXX. XXXX 's payment posted by NationStar XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. No payment has been late since XXXX XXXX see attached 3. Harassing telephones calls several time a days at home and work by different loans specialist based on a list they are provided without knowing the status of the account. I reported to work at XXXX in the morning and there are calls on my answering machine from NationStar. 
4. I have made all mortgage payments on time since bringing my account current om XXXX XXXX XXXX see attached
Ocwen Loan Servicing acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Ocwen Loan Servicing Mortgage improperly and unfairly review our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Ocwen Loan Servicing has repeatedly denied us help several times and we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass of file amongst each other just to create motion and delays. We intend to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Ocwen Loan Servicing Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.
On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the Social and Health SVCS ( XXXX ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( XXXX ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the XXXX WA XXXX # XXXX, XXXX XXXX XXXX account # XXXX, the XXXX XXXX XXXX Account # XXXX, and the XXXX XXXX # XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these four accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the Social and Health SVCS ( XXXX ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from XXXX ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from Social and Health SVCS, which shows my account to be closed.
over the past 6 months I noticed 2 accounts reporting on my credit reports that are mistakenly reporting ... I contacted equifax over the phone on numerous occasions and every time I call them I get a operator who cant speak english and each time they refuse to let me speak to an american ... I was told I could go online and dispute them and each time I go online it says my information doesnt match their system
On XXXX, I obtained a copy of my credit report. Within that report was a Medical collection, Account Number XXXX, Date Opened : XXXX ; Balance Date : XXXX ; Balance Amount : {$360.00} ; Date of Status : XXXX ; and, Status : Closed. On XXXX, I wrote to Equifax indicating inaccurate reporting and to validate said alleged collection. On XXXX, Equifax responded with an entirely different account number ( XXXX ) ; Amount - {$410.00} and Balance as of XXXX - {$0.00} ). This is in violation of Federal Law due to inaccurate reporting. On XXXX, I again wrote to Equifax asking for validation of said alleged debt. Equifax again responded on XXXX, with the same letter that they sent to me on XXXX. On XXXX, I again pulled my credit report to find that Equifax is reporting the new information that they provided to me on XXXX and XXXX. In addition, my credit report has never been marked that this account is disputed. These are clear violations of Federal Law.
I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections inXX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.
On XXXX XXXX, 2014, I went to Stewart Title located in XXXX WA to sign documents to close my home loan. XXXX XXXX XXXX was the escrow manager that closed my loan. At the time I was unaware of the personal relationship that XXXX XXXX had with the builder XXXX, XXXX and XXXX XXXX. I purchased my home from XXXX XXXX. XXXX XXXX worked for the XXXX, WA location of Stewart Title with XXXX XXXX for 7 years. 
There was a {$490.00} fee assessed on my HUD 1 statement which was disbursed to XXXX XXXX. The line item explanation was reimbursement to XXXX XXXX per the XXXX At the time that I signed to close my loan I did not have a copy of the XXXX. I received a copy of the XXXX XXXX XXXX on XXXX XXXX, 2014 via email from XXXX. There was no specific information regarding what this reimbursement was for provided on the HUD1. The {$490.00} was disbursed to XXXX XXXX through the HUD 1. 

The {$490.00} disbursed to XXXX XXXX as far as I am concerned was embezzled. I am asking that an investigation be conducted because it is my belief that Stewart Title is aiding in embezzling money from home buyers ( first time buyers ) by misappropriating funds to builders, in this case the owners of XXXX XXXX. Stewart Title also participated in a warranty scam with the builder XXXX XXXX by obtaining signatures from buyers at closing on a warranty application that Stewart Title was not authorized to administer and it was not relevant to the loans closing. This warranty application has created legal problems for every buyer in our community. Stewart Title also disbursed funds from the HUD 1 to pay for these warranties for the builder XXXX XXXX. Stewart Tilte obtained signatures on these warranty applications without disclosing the legal ramifications of signing the applications that they/Stewart Title were not authorized to obtain signatures on to start with. 
Stewart Title has participated in embezzlement. The funds in the amount of {$490.00} should have been disbursed to the homeowners association not the builder XXXX XXXX. This is misappropriation closing funds. It 's a scam and every single buyer at XXXX in XXXX XXXX WA had the exact experience described above. Stewart Title obtained signatures from every buyer at closing on a sham warranty application with major legal ramifications for the buyers. Stewart Title has failed to provide detail of the {$490.00} reimbursement that they disbursed to XXXX XXXX.
I had pay day loans with a place called XXXX XXXX. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.
Equifax has an open account.    XXXX   XXXX  opened  XXXX  This account was completed and Settled-  XXXX  with  XXXX   XXXX   Please help .I thou ght once settled with  XXXX  credit report they would have Removed from all. Thank you
About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, XXXX XXXX, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results. 

I wrote XXXX about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act. 
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.
On XX/XX/XXXX I opened up my bill from OCWEN to send it off for payment and was shocked to find out that my bill was XXXX more a month. My reaction was pure shock then I pick up my phone and called, was disconnected the first time, seeing I have had several run ins with this company over the course of my loan which has been 11 years XX/XX/XXXX. So over the 11 years I have has several mistakes on their part, like them stop sending me my bill because I filed bankruptcy in XX/XX/XXXX, which took me two years to fix and the gentlemen at that time even admitted they made the mistake. Most of the time when I call OCWEN it is always over seas so I arrived at a point to where I request to speak with someone in the United States I have a hard time trying to understand several of the operators that do not speak clear English at all. After being disconnected I called back at which time I was on hold for 15 minutes during the transfer, after that I spoke with a woman by the name of XXXX ( spelling could be wrong ) # XXXX you see they all have numbers and they should give them to you once they pick up, but they talk so fast I make them repeat it and their names. With the help of XXXX she sent me a file I did not receive and she talked about an ESCROW Evaluation which was done XX/XX/XXXX also on my bill it states ( your monthly has changed to XXXX effective XXXX/XXXX/XXXX further detail regarding the reason for this change will be included in a separate letter ) it never came. The worker # XXXX told me that this company paid school taxes in XX/XX/XXXX to XXXX XXXX XXXX XXXX well I do n't live in XXXX XXXX and my daughter has been going to XXXX XXXX since kindergarten and she is XXXX XX/XX/XXXX. From what they lady told me and from what they County Clerks office said is that this loan company paid taxes to the wrong school district and now they want me to pay for their mistake. I have documentation to prove my case and once I am done here will submit this complaint I will be sending a certified letter stating my next steps if this issue is not resolved and my loan is not back to where it needs to be. I will not pay for what these stupid loan company has done by making me pay for it. I have been dealing with them far to long and hopping in the next few months to do away with them. You see they have changed their names 4 times and when I filed Bankruptcy XX/XX/XXXX they continue to threw it in my face and it is on every bill they send me, you will see from the current bill I have placed in my attachment. 
I need some help with this again they are forcing me to pay for something I did not do, that it is their fault, I do n't run the ESCROW, I depend on the company to do that for me and it looks like they do n't know how to read, talk clearly, or organize my payments. I need for this company to fix their mistake and stop taking it out on me. I have sent a letter stating this and still nothing is done. Please Help Me!! 
Sincerely your XXXX XXXX
XXXX XXXX XXXX has charged me {$280.00} in unjust fees on a {$300.00} credit limit secured credit card. While I have been paying my bill from a employer allotment ( {$200.00} paid to date ), XXXX  hasn't been counting these allotments payments and have only been applying them as credits. As a result {$280.00} in late fees ( interest not included ). I have disputed this but I haven't received anything but more fees after each dispute. I would like to pay off my card and raise my credit limit but not if it's for a credit card that I'm paying and can not use. I would like these fees all credited back with an increase on my limit to make things right.
I applied for a refinanced car loan via AutoPay company. I was approved on XX/XX/XXXX and signed loan docs on XX/XX/XXXX. After signing I continue try contact the Representative that assisted me for the status o of my loan pay off. When I could not reach the Rep that assisted, I requested to speak with a Supervisor and I was informed that the Lender was behind in funding. I contacted the Lender XXXX on XX/XX/XXXX to actually find out if my loan was funded and I was informed the check was sent to AutoPay. During this time I was still contacting the Supervisor XXXX XXXX to find out when my loan will be paid off. 
I received an e-mail from the Rep for AutoPay that I need to pay my downpayment before my current loan is paid off and I need to give my credit card/checking account over the phone ... I contacted the XXXX XXXX and stated that I preferred paying my downpayment thru a secure website. I was told that I had to do it over the phone before the pa pay off check is sent ... I stated that I do not feel comfortable. XXXX XXXX stated he would send me overnight label for XXXX on the same day we spoke XX/XX/XXXX. He did not send the label until I spoke to another Supervisor on XX/XX/XXXX and it was a two day delivery for XXXX. 
My check for the downpayment will not reach AutoPay until XXXX XXXX, XXXX XXXX and my current loan payment is already late. When I spoke to XXXX and asked about the 2 day label ... I reminded him that I have to do a survey and due to the unpleasant treatment I do not have any nice comments. XXXX commented by saying if he sent me an overnight label would I change my comments. He was very unprofessional.