WillisBack/dataset-financial-user-claim huggingface dataset:
My student loan has been on an in-school forbearance for about the past two years, ending XX/XX/XXXX. After I graduated, I called Navient to discuss my repayment options and the offer of an extended repayment plan was made. This would extend the time of my repayment significantly, but lowered my monthly payment which was what I wanted. Without going into specific details, I have had to call Navient back, about monthly in attempts to get this new repayment plan processed. Every time I call in, I have to go all the way back to the beginning of the story. Every time I call in, I am told it will be taken care of, yet, I continue to have to call back in! I do n't understand how there is this much confusion if the call center representatives are taking notes and if the phone calls are recorded? Why should I have to re-explain myself and why has one simple task of processing a repayment plan not been completed? When I get angry on the phone, I am ignored. In fact, today when I called in ( again! ), the manager cut me off as I was complaining about the company 's incompetence and I was put on hold as I was speaking. They do n't care how their customers are treated and all I am trying to do is pay back my student loan. I have made payments on these loans regularly since XX/XX/XXXX, but why does any kind of little change have to be so difficult and take months to finalize? Because of this company 's negligence, my payment due XX/XX/XXXX was listed as higher than what my extended repayment plan is supposed to be. I made the payment for my extended repayment plan, about {$200.00} less than what a normal payment would be. Now my account is showing a balance of that {$200.00}. This would have never happened if the payment plan was processed as I was told it would be, the last three times I 've called.
Regarding XXXX about TRANSUNION.- Company did not research my complaint. I am claiming that the company " XXXX XXXX XXXX '' by their own admission is attempting to collect a {$710.00} Debt off of {$300.00} credit limit. By their own admission a XXXX XXXX interest rate was charged. This is illegal in NYS and is should not be on my credit report. You'll notice that it states that " this debt is past the statute of Limitations '' on the " forms '' XXXX XXXX XXXX has provided. Transunion is engaging in willful blindness and I would like them referred to the enforcement division of the CFPB. XXXX
Inquiries that not authorized XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The Receivable Management contacted me in XXXX, in reference to a debt owed to XXXX XXXX. I stated to the collections company to stop contacting me, due to the fact I do not owe Receivable Management monies. They area third party hired to collect on a " paper '' debt from another company in the amount of {$130.00}. I specified to " XXXX '', there is not a debt owed to Receivable Management by me, due to no contract. By law, there is no documentation in which services was rendered or provided through a written contract in which there is a debt owed. The agent " XXXX '' stated to me it will show on my credit report and cause me to not be able to apply for credit. She continued to raise her voice after I stated her contact was illegal in that tone. There was another call 2 days after from a male agent who insisted on forcing me to make a payment plan for the XXXX. I do not owe any monies to Receivable Management and the agent told me that was a lie. I continue to get multiple calls even after advising them to stop.
Commonwealth Financial Systems has placed an item on all XXXX of my credit bureaus that was proven to a previous collection agency as fraudulent. I have contacted this collection agency several times and they will not return telephone calls or mailings, but also refuse to remove the item from my credit reports. 

The item in question is from a hospital bill in XXXX XXXX that took place by a person using information from my stolen wallet. The original debt is from XXXX XXXX XXXX Hospital, and I have a statement XXXX XXXX XXXX XXXX Hospital detailing that their investigation resulted in my being free and clear from further collection attempts because they found the incident to be a case of identity theft.
Chase states on their website that money transfers from XXXX customers at banks that support instant funds availability ( which would apply to XXXX XXXX ) will get processed and appear in receiving account within minutes. I instructed someone to send me money using XXXX based upon the info provided. When the sender was ready to complete the transaction it showed an icon saying that it will be a real time transfer, after hours of waiting for it to appear in my account I called chase and was told would take 1-3 business days. I contacted XXXX and they confirmed that the money had already been transferred from XXXX XXXX and been processed by XXXX and made available to Chase. Furthermore on Chase website it showed as " accepted ''. Both XXXX XXXX and XXXX had completed their portion and were no longer in possession of the money. Chase continued to hold onto the money and refuse to release it. I would have absolutely not have used Chase XXXX with XXXX had I know this would be delayed.
I am military and I am going through a hardship right now with my wife going back and forth to custody court for her daughter and her father had XXXX her. All my creditors are working with me to get lower payments except for one Pioneer Services. They unwilling to work or budge at and they state that they are in support of the military i have asked many times and contacted them many times with no resolve.
I have a loan with XXXX XXXX. 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, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Discover Student Loan has been holding onto {$17000.00} of my money for over 3 months and is not returning the money to me or the company I used to refinance my student loans. 

I took a loan from Discover to cover my tuition ( Loan ID : XXXX ) Discover sent a payment for my tuition to my school ( XXXX XXXX XXXX for {$17000.00} in mid XXXX 2015. In XXXX 2015, I refinanced all my student loans with XXXX ( XXXX ). So XXXX sent a check for all my outstanding balance to discover on XXXX XXXX, 2015. XXXX XXXX has a rule that they wont accept funds from loan providers if the the student is enrolled in less than XXXX credits. Since I was n't enrolled in XXXX credits, XXXX XXXX returned the tuition payment of {$17000.00} back to Discover in early XXXX, 2015. I paid my tuition out of my pocket. 

Since then, I have been calling Discover on a weekly basis to have them return this {$17000.00}. I told them they can either send me a check or send it back to XXXX. 

Every time I call Discover I get assurances that this matter has been resolved and the check will be mail out soon. To date I havent seen this money in my account ( personal or XXXX student loan ). 

Please help me resolve this issue with Discover. It have been over 3 months and I need to money to pay off my student loans. 

Thanks, XXXX
I received a call from an unknown number stating that a certified letter was going to be delivered to me on XX/XX/XXXX between XXXX and XXXX XXXX. I was instructed to call XXXX and refer a reference number to prevent any further action. I called the number and was told that Wells Fargo, previously known as XXXX XXXX is filing a law suit against me for a debt that I owe on a checking account. My checking account was closed with that bank 15 years ago. I attempted to call the bank but without the account number, I did not get anywhere.
On the morning of XX/XX/XXXX, I was contacted by someone purporting to be a representative of Bank of America. He noted there was an attempt to send a {$1000.00} wire transfer using my online account that was denied because the sender did not know my security questions. He he went on to brief me about safety tips for preventing/protecting my debit card such as going inside to purchase gas, etc. He then wanted to ensure my account was secure by reviewing my security questions with me, I received an authorization text as I normally would from Bank of America each time. So I trusted he was a legitimate Bank of America employee. I did not realize he was fraudulently withdrawing {$2500.00} from my checking account during this phone conversation. Bank of America conducted a 10 business day investigation and determined they would deny my claim to be reimbursed my funds that were stolen, as I was informed in a letter dated XX/XX/XXXX. They stated it was my fault because I gave my personal information to this thief who stole my {$2500.00} whom I thought was a Bank of America employee.
Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.
Greetings, Nationstar mortgage contacted me saying that my association no longer had valid flood insurance. I checked with my association and it turns out we no longer needed flood insurance for my condo. I got the required " Standard Flood Hazard Determination '' document from my condo stating that the condo was no longer in a flood zone. I uploaded the document per Nationstar instructions and also faxed it. A month letter I got another letter. I called and they said they did get the documents but they were backed up and would fix it. I received at least XXXX more letters and called XXXX more times. Each time I was told this would be fixed quickly. Finally they took out an escrow to pay for the flood insurance I did n't need. I called and they showed that part of the insurance had been refunded but not all. Again, they said they would fix.
on XX/XX/18 at XXXX I tried to get my credit scores from trans union and XXXX.

trans union link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined.

XXXX website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ).

it looks like these companies go to great lengths to get money from the customers that need their own credit score.
I WAS RECENTLY INFORMED VIA A BACKGROUND CHECK THAT THERE WERE MULTIPLE COLLECTION ACCOUNTS AND INQUIRES THAT WERE FILED WITH CHEXSYSTEMS IN MY NAME. I DID NOT AUTHORIZE ANYONE TO OPEN UP ANY ACCOUNTS IN MY NAME NOR DID I AUTHORIZE ANYONE TO WRITE CHECKS IN MY NAME. I HAVE BEEN THE VICTIM OF IDENTITY THEFT FRAUD SINCE 1986. I HAVE DISPUTED THIS WITH CHEXSYSTEMS ON THREE SEPARATE OCCASIONS, BUT THE FRAUDULENT INFORMATION IS STILL BEING REPORTED BY THEM. 

THERE ARE MULTIPLE ERRONEOUS NAMES, ADDRESSES AND DATE OF BIRTHS THAT ARE CURRENTLY BEING ASSOSICATED WITH MY REAL NAME AND SOCIAL. THERE ARE ALSO MULTIPLE INQUIRES THAT WERE NOT INITIATED BY ME NOR I AUTHORIZE ANYONE TO DO SO. 

***FRAUD NAMES : XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXXXXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX ***FRAUD ADDRESSES : XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL
I submitted a dispute to Equifax for inquiries on my report. The response that I received was that I could contact the creditor if i believed it was in error or not authorized. Requesting them to assist me which would make it much easier than directly contacting these companies when you call these companies a lot of times the employees do not know and will refer you to the credit bureau.
I have been enrolled in auto pay throug Navient for over one year. My interest rates changed on my private loans in the last month, yet I am paying late fees for XXXX and XXXX. One representative told me it was an error and it would be handled. It never was. Another told me it’s only for XXXX, which is incorrect based on the statement provided from Navient. A supervisor told me it’s an accumulation for months yet I have never been informed. And another representative told me the company doesn’t know when rates change so they don’t know what my payments should be. I am a XXXX year old XXXX  struggling to make the payments monthly, but I have been paying as requested, even the late fees even though no one at the company can provide me with an accurate answer as to where the late fees are coming from. I spent 2.5 hours on the phone just today and still could not get an answer but was switched between representatives and supervisors countless times. They’re unprofessional on the phone, claiming I don’t pay, when my payments are automatically withdrawn.
I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX   MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED AT SOME POINT NOW ITS BACK AGAIN.THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX   MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.
Equifax is violating the FCRA lawsas HiPAA laws by listing XXXX account # XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this account!
A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy
I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.
They called my sister and brothers cell phones, then called my parents house. I returned the call to see what it was about, I then told them I was signed up through XXXX XXXX XXXX and this debt was with them and I have been making monthly payments. XXXX then began irate and told me she would contact the sheriff and tell everyone in town about my debt. I then asked her not to call anyone else in my family. I also told her I had signed up with a debt consolidation company and offered their number for her to contact them, that is what they asked I do with creditors. she refused to take the number and told me I need to learn how to pay my bills. well today, she called my old employer and told the administrator that I had debt owed and she needed to have my wages garnished, my old employer sent me a text and gave me the phone number, I called XXXX and told her again I was with the Debt program, and she called me a liar, and again I asked for a fax number to send proof and asked her not to call my old employer again, she said I have a court date for XX/XX/XXXX, which is tomorrow, and I know nothing about that and told her that, she said we are coming to your job tomorrow. the number they are calling from is XXXX XXXX XXXX please help me with this situation. it is my fault my debt got the way it did, however, I am paying a company to help me get it all settled.
I applied for a credit loan and then paid in off on XX/XX/2018 through First Virginia. After it was paid off, First Virginia allowed someone to call over the phone, impersonating me, and apply for a second loan with my knowledge, consent, or a signature. Now, I'm stuck paying a loan off that I didn't ask for because they said they did nothing wrong.
I am writing after months of phone calls to XXXX and XXXX  XXXX XXXX that have gone nowhere and have not resolved what should require a simple fix. 

From XX/XX/XXXX-XX/XX/XXXX, I was a XXXX  for XXXX XXXX Member and earned an XXXX XXXX   Award. In XX/XX/XXXX, I submitted a payment request from XXXX  to XXXX in the amount of {$5300.00}. In the payment information submitted to XXXX, I specifically indicated that " Payment to be applied to Group C loans ONLY which are Direct Unsubsidized Loans from XXXX University. '' Please See Attachment, Page 1. The original loan amount for the Group C loan was {$5400.00} and so the payment of {$5300.00} would have nearly paid off the loan ( of course leaving aside the accrued interest ). XXXX received the payment but misapplied it. Instead of applying the payment to the indicated Group C loan, they applied the payment across all of my loans, essentially making no dent in any of them. 

I saw the error in early XX/XX/XXXX and immediately called XXXX. I spoke with a representative who indicated that she could see the error on their part in misapplying the payment and indicated that she would submit the request to have my payment reapplied. A few weeks later, my loans were transferred to XXXX XXXX XXXX so that I could participate in Public Service Loan Forgiveness.  At that time, I saw that the payment had still not been reapplied. I called XXXX again. This time, they told me, that although they had misapplied my payment and had notation of that in their system that there was nothing they could do. They indicated that it would be a simple fix and that I should contact XXXX XXXX XXXX and explain the situation to them. That has of course proven not to be the case. I have called XXXX numerous times with no resolution. The closest I have come was a conversation in XXXX with a XXXX agent named XXXX who indicated that she was submitting a request to Financial Management for the payment to be reapplied -- months later that has not happened. 

I have called XXXX numerous times and each time I am told that although they see the error on their part that there is nothing they can do. When I call XXXX, I am told that although they are the ones managing hundreds of thousands of dollars of my loans that they are in no position to do anything. I imagine that transferring large loans would sometimes require some adjusting, or correcting but XXXX is refusing to be at all responsive. 

Lastly, I just want to provide a bit of background on why this matters. I don't mean to be difficult but simply can not afford a mistake like the one XXXX made. I am a public interest lawyer, currently interviewing for positions. My dream job will likely pay {$45000.00} and I have over {$100000.00} in student loans. Fortunately, my law school will pay for the loans I incurred while a law student. I am however responsible for paying my XXXX loans. That is why I needed and requested my payment be applied specifically to my Group C, XXXX loan.
On XX/XX/2018 I received a letter ( dated XX/XX/2018 ) in the mail from Convergent Outsourcing Inc. I opened it and found myself equal parts surprised, confused, and a little scared. The letter stated that they were a collection agency attempting to collect a debt. I found this very odd as I have a good credit score and pay all my bills. I looked at the amount ( {$330.00} ), and the original company claiming the debt ( XXXX ). I instantly became suspicious as I have only used the account once, which was several years ago. I checked my XXXX account. It confirmed that my account balance was indeed {$0.00} and that the last activity was years ago. I`m going to attempt to contact Convergent, but after a quick google search pointing to a scam, I`m apprehensive to deal with them. Thank you for your time and consideration.