WillisBack/dataset-financial-user-claim huggingface dataset:
Since Navient took over my account I have been slammed with misleading and unduly harsh credit reporting practices. The first occurred in XXXX XXXX. After making a payment of {$500.00} on XXXX XXXX, XXXX to pay down my balance, I was alarmed to find that I was reported delinquent to the credit bureaus just one day later. I was told in certain terms by a Navient rep that I would not be reported late if I made the requested payment, but not told that my payment would only apply to reporting in XXXX XXXX, which had only 2 days remaining at the time that I made payment in good faith. It was a bait and switch tactic. I had no idea that Navient would attack my credit just a couple of days later - after I made a payment. I was not advised that any of this could or would happen. I appealed to Navient to reverse this unduly harsh report which was visible to me on XXXX XXXX, especially since I was trying to make more consistent payments. They refused. 

In XXXX XXXX, while trying to understand and rectify the delinquent XXXX report with Navient, I was advised by a rep to consider forbearance. I agreed and authorized it. I understood that it would begin in XXXX and curtail future negative reporting. Two days ago, in XXXX, I was shocked to see a 120 day delinquent on my credit report. I received no emails as I did in the past from Navient, no calls. Nothing. 

Together, these actions tanked my credit score and ability to purchase a home, which I repeatedly appealed to Navient. They refused to work cooperatively with me, to recognize my efforts. A very different experience from XXXX XXXX. 

At this point, I see no reason to have any further contact with Navient. They have killed my American Dream of home ownership and purchasing a car in less than one year. As a single mom, I face a lot each day and I try my best to pay my bills. I am current on all of my credit cards. Navient however is unscrupulous - they have kicked me twice now. Very hard. And with zero warning. 


after being told this would not occur when I made a payment {$500.00} payment
We received a conditional approval to close on a short sale and have been trying to get the okay to close for 3 weeks. The bank is not accepting documents they  requested, as Title Commitment, Municipal Lien Certificate, and final water bill as proof of what is outstanding on the property at the time of closing. I had to put notes all over the title commitment to show that everything they required is in this document. I have a months worth of emails to prove they are deliberately stalling this short sale closing, so they can foreclosure on the property and not pay out on the file they conditionally approved. We have provided everything required and requested by law and by the bank and they do not want to accept or honor the laws of the state of RI that this property is located in. It was apparent that these documents were not even reviewed. I had to go around the short sale department to the Tax Department because they said the MLC was n't sufficient in showing that 2017 taxes have n't been paid. they did this for weeks until i contacted the tax department and they sent the short sale department the same MLC that i submitted 3 weeks prior and confirmed that 2017 taxes have not been paid. this should have cleared things up for closing but the short sale department is still saying they need an invoice which was provided by our office and by their own tax department.I have the email chains as well, proving my complaint is substantial and these private lenders and private investors need to have guidelines on them so they ca n't do what ever they want to our clients and to consumers.
There are   XXXX   accounts that are reporting 120 days late from Nelnet,   XXXX   XXXX   XXXX    XXXX  account and   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX      XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is Nelnet reporting this way again this year.
I have been receiving calls from Ocwen Loan Servicing since XX/XX/XXXX. Every time I pick of the phone and answer. The call is disconnected. On XX/XX/XXXX I received a call from Ocwen Loan Servicing Agent Id # XXXX who advised me before listening or answering my questions stated, " That this is an attempt to collect, any information obtain would be used for that purpose. '' I immediately advised the agent that Ocwen had called me no less than 5 times in the past 10 days and that was harassment. The Agent respond and stated, " According to state law we can call and collect like this according to state law, and that it was also in my contract that was signed with Ocwen. '' I immediately requested a copy of the contract with my signature that allows them to do this and I also requested them to verbally provide me the state law that allows them to do this. The agent immediately placed me on hold for about 5 minutes and came back and stated that they were mistaken according to the FDCPA they were allowed to call like this. I immediately pressed the representative once again and asked what state law or statute allowed for him to contact me and harass me they way that I was being harassed? The representative was not able to give me a definitive answer. I advised the representative that I would be filing a complaint and that I would like a copy of the contract with my signature that states that they can contact me the way that had been contact me. At that point I terminated the call. I pay Ocwen every month and my mortgage is always paid by the last day of the month. I pay the late fee without complaining. There is no reason for this organization that already charges me {$15.00} in late fees and {$12.00} to pay to call me every other day harassing me about a bill that initially when the calls started I was n't even 2 days late. As a consumer this is unfair that I have to deal with these individuals who can barely speak English and then why I push them to provide me information they are unsuccessful. This is not fair nor right and something needs to be done. This organization is using words such as State Law to attempt to threaten consumers, because I am an individual who will challenge anyone whom I think is lying or is speaking in half truths. If average individual who may not like confrontation this organization could potentially being doing some shady things.
I borrowed XXXX an they charged me a lot more than what I did borrow the money they take out I really need! It 's crazy!
XX/XX/XXXX we, wife and myself joint owners of XXXX account for 17 years, purchased Cashiers Check for {$22000.00} at XXXX XXXX branch of WellsFargo ; Mailed to Payee, my 401k plan administrator ; pay-off of the loan balance ; XX/XX/XXXX we submitted Affidavit as to Lost, Destroyed or Stolen Cashiers or Official Check at XXXX XXXX branch Banker 1 stated the sum will be refunded to the checking account 90 days after purchase ( XX/XX/XXXX) XXXX XXXX XXXX 101 days from the Cashiers Check purchase day Met with a Banker at at XXXX XXXX branch, Requested refund of {$22000.00} to the checking account Banker 2 demanded submitting a legal copy of the check as a re-condition to refund. <P/>XX/XX/XXXX 103 days from the Cashiers Check purchase day Payee stated in writing that the Cashiers check was destroyed ; we forwarded the Statement to the Banker 2 ; Requested refund of {$22000.00} to the checking account Payee never cashed the check ; since then - multiple interactions with Customer Care XXXX ; escalated to CASE GMT XXXX at WFB WFB refuses to refund the CASHIER 'S CHECK to our account. since 90-day after XXXX XXXX XXXX Wells Fargo os in breach of UCC and Min. Stat. 336.3-312
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh 4XXXX XXXX XXXX XXXX XXXX ln XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX
PNC Bank screwed up our paperwork which changed our due date after we signed the loan papers. We asked for them to fix the due date but they refused and said we needed to give them extra payments in order to change the due date. We pay the loan every month before the late fee is applied on the XX/XX/XXXX but they call numerous times a day before our due date harassing us to pay them BEFORE our due date. At least 3-5 times a day on each of our cell phones which results in 10+ phone calls a day. We pay our loan every month before its late. Credit score is excellent no need to harrass.
I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ONEMAIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX and XX/XX/.
I am completing a XXXX and had placed my private loans from Navient in " in-school deferment '' status. They were suddenly placed in repayment status recently despite my being in school full time. The promissory notes for the loans which were serviced contains a section which states that whenever I attend a university which is eligible for signature student loans, then my loans will be placed in deferment automatically, whether I request a deferment or not. Upon calling Navient, I was told that it was their policy that private student loans can only be deferred for 48 months while in school. This is contradictory to the promissory note I had signed. I brought up this point and was told that I still could not receive the deferment. The promissory note also describes how any changes to terms outlined in the note would need to be approved in writing by XXXX the lender and borrower. I did not approve of a limit to in-school deferments and filed a complaint with the company. I would like this issue looked into as it seems to violate the terms of the original loans, which were issued by XXXX XXXX before Navient began servicing the loans in 2014. 

I have attached my original loan documents along with the promissory note I signed. On page XXXX can be found the terms of in-school deferments and on page XXXX is a paragraph stating the following : " Any such sale will not result in any change to the loan terms or the loss of any advertised borrower benefits, which will continue subject to their original terms and conditions. However, student loan terms and advertised borrower benefits may change if I choose to consolidate my loans. '' I have not consolidated and believe I have a right to the in-school deferment as outlined in the promissory note in the in-school deferment section on page XXXX.
Wife loss her job for medical reasons and may not return to work. A request to modify our loan was denied by Planet home lending because we where only XXXX months late.
I was extremely surprised and upset when I checked my credit report in XXXX 2016. There is a mark by Monterey Financial Services XXXX XXXX XXXX, XXXX, California XXXX. It is in regards to a disputed contract with XXXX XXXX over a misrepresented vacation package. I disputed the mark with XXXX and the collection mark remains and does note that it has been disputed. The problem is Monterey NEVER notified me in writing that I was going into collections. I NEVER had a chance to dispute the collection attempt until AFTER it was already on my report. I did notify Monterey in XXXX and they ignored my grievance, I still have not received a collection notice from Monterey.
Experian is reporting inaccurate info about XXXX XXXX. EXPERIAN REPORTS status as a past due amount of {$2600.00}. However, I have uploaded a copy of the deed in lieu of foreclosure document which clearly states the deed is in acceptance of any and all past due balance. They also report that we have a monthly payment of {$410.00}, and a recent balance of {$20000.00}. Last reported on XXXX. I asked them to investigate and followup with XXXX. According to XXXX, they no longer show the account active with no balance. Experian provided dispute findings as remains no change. They did n't even get an updated response from XXXX. XXXX XXXX clearly states deed accepted ias full satisfaction. I have been trying to get experian to correct this for over 60 days..
In XXXX XXXX, my mother passed away. She was leasing a vehicle from Hyundai Motor Finance at the time of her death. In XXXX XXXX, I assumed the rest of the lease payments XXXX through XXXX XXXX ). I am currently trying to refinance my home and learned Hyundai Motor Finance reported to the credit reporting agencies that I had XXXX late payments for the leased vehicle in/around XXXX XXXX. This reporting is negatively affecting my credit and thus making it difficult to secure a loan based on stellar credit scores ( my credit is now XXXX w/ the perceived late payments ... normally XXXX ). Hyundai Motor Finance is telling me I assumed all the negative credit information that is associated with the lease prior to me assuming it. This type of reporting is clearly inaccurate and can not be correct. Please help with this. Thank you.
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
I have a capital one student credit card and it was lost then used and the person ran my bill up and maxed it. I tried telling them ( capital one ) this and they just said I needed to pay it back. I shouldnt have to pay it back if I didnt use it and theft occurred and now I cant get any more credit cards and my credit score is a mess. This happened around the summer of XX/XX/2017. The cards maximum was {$300.00}.
I received a notice informing me that I have a judgement against me for an account from 2001 I have done some research and discover that the statute of limitation to collect this debt has passed. 
The lawsuit was filed without my knowledge taking away my ability to respond to this complaint
The company with phone number XXXX continues to call my number. Last Friday it was @ XXXX, Saturday @ XXXX and XXXX, Sunday @ XXXX, Monday XXXX. The internet says this number is a debt collector for credit cards. I wish you could get them off calling my number, as they have a wrong number. Most of the time no XXXX answers, it 's just a quiet. The person they are looking for is not at this number and NEVER has been. We 've had this number for over 20 years. I 'm crazy with their nagging! There 's been more calls than above noted. Please get them to STOP! 
Thank you for your help.
Please reverse the {$34.00} NSF fee as it was a duplicate of the other {$34.00} fee, that is, you assessed two NSF fees for the same exact thing, which was that your decision to suspend my Citibank Custom Credit Line without any notice or awareness by me and moreover, for no reason that anyone at citibank customer service can explain, put me in the position of being unable to simply move {$56.00} from my {$32000.00} credit line to make the {$76.00} payment clear. I could have completed that the same day the overage occurred, XX/XX/2016 if you had not suspended my credit line 5 days earlier without my knowledge. I had told your staff before I left that I was going to be in Hawaii for a week, where as you know there is NO Citibank branch in all the XXXX, so I was completely helpless to do anything EXCEPT move the money from my Custom credit line the same day to my Checking account -- the one avenue I had available to remedy the shortage -- but you had cut that off, again for no reason at all and without my knowledge or awareness until I tried to use it on XX/XX/2016 and found that I COULD NOT. I called your Customer Service number and spoke to a total of six different Citibank CS personnel throughout the whole day of XX/XX/XXXX, being passed around from one to another, so that I was on the phone for hours, repeated to each agent that I was in Hawaii ( which they could see by the phone as I called from my hotel room land line at XXXX ) and that I needed to be able to move the money from my Credit Line to my checking to cover the overage. No one could help me ; they EACH said they could NOT UNDERSTAND why my Credit Line was even suspended in the first place five days earlier. I had NEVER done anything wrong or against the rules, or even imprudent, nor made a late payment -- so why was it suspended just when I was away from home, on travel status, in Hawaii where there are no Citibank branches, and then suspended so I could n't use it? For this reason, that I was powerless to do anything about the overage due to Citibank 's sudden and unknown to me, secret disabling of my account for no reason, actually 5 days earlier -- that I incurred the overage in the first place. If you had not done that, I would have been able to move the funds and not incur an overage or NSF situation. THat Is why the remaining {$34.00} NSF needs to be reversed, just as you already reversed the other one. THank you.
i have 2 errors on my credit report I paid in full the balance 's of three account 's from XXXX XXXX XXXX XXXX on three dates XX/XX/XXXX of {$140.00} and then XX/XX/XXXX of XXXX XX/XX/XXXX of {$21.00} they won't take the two remaining accounts from off my credit report and of XXXX, XXXX, XXXX
I consolidated all of my student loans and THOUGHT I had started the student loan repayment program. I used Ameritech. After 13 months of paying them over {$200.00} per month, I noticed that no money was going towards my student loan. Ameritech had changed my pin number and was getting all of my informtion. They also altered documents about the number of dependents I had to get a XXXX payment for my student loans, yet they were collecting what I thought was going towards it. A company that helps XXXX  came into our XXXX  and I asked them to look my loan over and they knew right away something was wrong. I called student loan and they helped me get all the paperwork together to do the papers on my own without paying a company. When I called to cancel Ameritech they kept threatening that my payments would now be {$1000.00} per month and I would be better off paying them the {$200.00} instead. I did cancel them. I did start my student loan repayment, but the money I paid for the first 13 months doesn't count towards the 10 year repayment. I am XXXX years old and will be paying these loans until I am XXXX! They also charged fees for the paperwork. It seems like what they are doing should be illegal.
On XXXX 2015 I bought a Vehicle from Carmax Auto Finance. I started making the payments on XXXX 2015 and since then I have n't failed with any single payment, not even late payments as i can show from my records. Couple months a go I checked on my credit report because I want to buy a property and notice that Carmax has reported me as a 30 days delinquent since the first payment. Since then I have tried to talk with different representatives in order to solve the problem but have n't get any response yet. Some of them agreed with me that something is wrong in the account and some others just hung up on me whenever I try to talk about it. The fact of the matter is that I do n't have many accounts in my credit report and this single account has affected me dramatically. Totally unfair situation. I hope I do n't need to hire a lawyer to help me solve this issue. I need my records updated with the XXXX Credit Bureaus showing my account with no delinquency at all. I 'm able to provide all the history of payments in my account to prove it. 
I must appoint that when I first bought the vehicle i had to returned it because it was a lemon, as the sales representative from Carmax said. They then offered a different vehicle to me and we agreed on the terms of a new agreement starting with the payments in XXXX 2015.