WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm contacting you all again because I get the best and quick responses after doing so but here 's the conclusion to my last complaint. 
You are eligible for a reduced payment with Navient Recovery of {$50.00} a month. After the third qualifying payment, your interest rate would be reduced to 0.001 percent for the remainder of the repayment of your loan, as long as your payments are made in a timely matter each month. You are welcome to call Navient Recovery directly at XXXX to enroll in this program. 

Now during the confusion of the last situation I was told I could be re-entered back into the repayment program under the same interest rates. Now I 've been sent to a debt collection agency ( XXXX ), who contacted me today. It was told to me that my loan had n't been overdue long enough to be sent to collections and I began to make payments through Navient once again. Since the last case I 've made successful payments on time in which they are automatically debted from my account. Now I 'm being told that I have to deal with this collection agency and I 've made successful payments with no mention of this. I talked to the collection agency ( XXXX ) and they too were confused because I 've been making payments. Once again I feel like something is fishy again and I 'm going to be ignored or transferred several times. I contact you all for your help and if there 's nothing to be worried about then I will like to hear it from you all. 

Thanks, XXXX XXXX XXXX.
I am writing to dispute the following information in my file. I recently received a copy of my XXXX, XXXX & Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Unfair tactics used by student loan collection agencies creating confusion for repayment of student loans. 
After completing my masters program in XXXX, I began making payments to a " XXXX XXXX XXXX At some point in XXXX ( or later, it 's very unclear ) another collections agency SAF-XXXX was also trying to collect on the same student loan. Although SAF-XXXX said they tried to contact me via mail it would have been difficult to contact me due to the fact that my working location has been in XXXX from XXXX XXXX until XXXX XXXX. Also, I was already making student loan payments to " XXXX XXXX '', so there was no way to know or expect a change in who my student loan payment should be made to or that I needed to make payments to XXXX different agencies. It was a complete surprise to me when I went to consolidate the loan with XXXX in early XXXX and after reviewing my credit report, I found XXXX XXXX XXXX XXXX separate negative entries from SAFXXXX. After making a few calls to SAFXXXX to investigate why there were XXXX separate negative entries on my credit report, I found out some, all or whatever part of my student loan ( s ) was transfered to SAFXXXX for whatever reason, it was really unclear. Furthermore, I did not understand why there are XXXX separate entries on my credit reports for the student loan when I am only making one ( 1 ) payment to XXXX company. I only found out about the negative reporting after making a call directly to SAF-XXXX offices in XXXX to investigate as to why SAF-XXXX was reporting negative credit information on my credit reports. Again at that point in time and after talking to the SAF SAFXXXX representative I found that SAFXXXX did not have my correct phone number. I also asked why an email was not sent to my long standing XXXX XXXX account and I was told you do not use email as a means of communication. Because of the above mention items, there was no way for me to know that the loan transfered to another collection agency. 
It is very confusing to the payee/student when you are making payments to XXXX collection agency and for some reason there is a change to or request from another company to also pay them. Also I do not know why I would have several negative credit entries on my credit reports when I am paying XXXX loan payment.
In XX/XX/XXXX i opened a checking account with Bank of America, while i was a customer with them there were several fraud transactions and attempts on my account ( 1st. Someone in XXXX tried to purchase tickets via XXXX to XXXX, m ind you i live in the U.S ) .I notified Bank of America that i didn't feel comfortable with retaining that account and asked if they would close the current account and allow me to open a new one. Bank of America informed me that they couldn't but what they would do was issue a new debit card ( The card was issued end of XX/XX/XXXX beginning of XX/XX/XXXX ). 

On XX/XX/XXXX there was a check in the amount of {$2700.00} for auto repairs ( Mind you i worked in a XXXX XXXX which BOA was aware due to bank deposits ) I Called Bank of America and informed them that it wasn't my transaction and they had me submit a claim and go into my nearest branch.I submitted a claim and they were suppose to investigate it and let me know there results ( I never received anything ). About a month or so after i received a letter stating that the account would be closed due to fraud activity and that i could still open one but would have to go into the nearest branch to do so.I thought that was the end of the Bank Of America nightmare In XX/XX/XXXX my fiance and I decided to close our joint account, so once i started applying to Banks i was constantly denied ( didn't know why ) until i asked one of the tellers why and she told me to contact XXXXThis is when i was finally informed that Bank Of America had sent my account over for {$150.00} they stated that the amount from the check was withdrawn and it caused my account to go into the negative {$150.00}, they stated that Bank Of America sent the check to them after it was returned for suspicious activity. I filed a dispute with XXXX who only received a copy of the check from BOA ( they state that is valid proof ). 

I Have called BOA on several occasions and spoke to several departments ( Customer Service, Claims, Recovery, Risk closure, Account escalations ). Risk closure and claims states they can not see notes from XXXX to see if i submitted a claim. Customer service cant access the account and recovery says all they do is collect on the debt. I have also wrote several letters to the offices in XXXX, FL and XXXX Fl but have not been responded to..I want someone at the banking system to thoroughly investigate my situation and when they see i'm not at fault they need to remove the info from XXXX and wipe the {$150.00} off as debt.. 

I offered to even pay the debt ( which i don't owe ) so that i can have this issue behind me. Bank of America is damaging my name and making it seem as if i am a criminal ( I have never been in trouble in my life ). I hope that Bank of America does its part to ensure this issue is resolved
I have following issues : First, I applied for a Credit Card with XXXX on Friday, XX/XX/2018 and I was told that it was a soft check on my credit. I have a XXXX FICO score and I was told I was not approved because of too many Inquiries when I called XXXX XXXX  as to why I was denied. 

Secondly, I was not aware of many inquiries I had on my Report so when I checked my Experian Credit Report this morning I found that XXXX XXXX  had listed me as a Hard Inquire so I called them and told them this was supposed to be a soft check but they had said well XXXX told you the wrong information and they couldn't do anything to take that inquiry off. 

Thirdly, when I checked inquiries I also found that XXXX XXXX XXXX, XXXX online had brokered out to a couple other XXXX XXXX XXXX XXXX XXXX to add more inquires that I did not authorize and when I called them they said we cant do anything to take any of the inquiries off and when I called Experian they were no help in this regard because they state " You cant Dispute an Inquiry ''. 

In closing, I feel like there is no advocacy for the consumer other than this platform and I need help in resolving this.
On XX/XX/XXXX I sold an item on XXXX and on XX/XX/XXXX the payment was sent via Paypal. The item was photographed and sent on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX and signed for at the home. Then on XX/XX/XXXX the buyer said that " Bought this item as a gift. Finally giving it as a gift it was just removed from packaging and the connector beads fall apart separating the pendant from the necklace. '' WHICH WAS A LIE, BUT FORTUNATELY I'd taken a shipment photo and the case was closed by XXXX in my favor! NOW another 45 days have past and I get an email from Paypal ABOUT THE SAME TRANSACTION, but a different lie! This time it's the " pendant '' that is loose and falling off! MY PROBLEM WITH THIS IS THAT Paypal is pushed by XXXX for " ease '' of transactions and the Paypal Seller Protection covered " delivery of item '' and XXXX who offers " buyer protection '' takes care of " not as described '' item which I'd already endured. NOW Paypal is holding funds and requested THE SAME INFORMATION THAT HAS ALREADY BEEN INVESTIGATED BY XXXX! It doesn't matter if they are no longer co-companies or subsidiaries duplicate investigation should allow them to have a common site for transaction evidence so that money isn't held twice whilst some OBVIOUSLY LYING buyer plays games! There is a " duplication of services '' that is in conflict and XXXX and Paypal need to develop a common ground for their transactions to prevent SELLER ABUSE! I'm not sure if the buyer took the necklace apart to steal the gold beads or what. I do know that it was as shown and pictures were submitted to show that fact! In my Auction is was stated that the item was SOLD AS IS and not returnable. This morning I woke up and Paypal has told the buyer that they could sent the item back which is broken and that they can get a refund. The buyer requested all sorts of additional shipping ( insurance and signature ) as well. According to the " seller protection '' agreement that is attached I as the seller was protected so long as the " payment was authorized '' and " the item was sent '' which it was. My item was EXACTLY AS SHOWN AND DESCRIBED AND I SUBMITTED PICTURES TO XXXX PRIOR TO SHIPMENT. This was a final sale and the item is not mine, but this my claim since I listed, photographed and shipped it! I have attached pictures, showed where XXXX decided in my favor and the policies which say that Paypal has erroneously authorized a return. The contract is SOLD AS IS and this double jeopardy is not acceptable. The necklace had 14k beads and they purchaser could have broken the necklace to take them off or done any number of things to cause the breakage which are not the fault of the seller!
This is an addition/amendment to my original compliant # XXXX, submitted XXXX/XXXX/17, which highlighted BBVA Compass refusal to provide me a refund of my escrow money due to me from a XXXX XXXX, 2017 house loan closing.
The original check was been returned to them, with receipt of delivery showing XXXX/XXXX/2017. BBVA claims to have sent the check to my correct address, although the US Post Office disputes this claim.
Regardless, in pursuit to just have my money returned to me, I sent an affidavit into BBVA on XXXX/XXXX/2017 at XXXX XXXX, as the customer service representative claimed would expedite my refund due to an escalation case number XXXX. She stated that my issue would be expedited and a new check would be sent to me within 10 days.
On XXXX/XXXX/2017, ten days after the email was sent to BBVA compass and in excess of their own stated actioning timeline, I called BBVA customer service to get the status of my money owed to me. The customer service rep said no action has been taken and the " back office '' is holding up any action. My only logical conclusion is that BBVA is attempting to now penalize me for filing a compliant by refusing to return my money.
I have made every payment since I re-fied my student loan debt from XXXX XXXX to XXXX/XXXX. My current job has not be able to pay me this month, and I am currently in the process of trying to find another one. I called XXXX  ( the servicer ) trying to do anything, and was flat-out told no, that there is no help for me. I have tried to help by warning them I couldn't make the payment but they are unwilling to work with me. I have worked so hard to try to repay, and to raise my credit score, but all that is going to waste because they can't lose one payment. They don't care whether I starve or can't make rent.
This PRESSLER / XXXX XXXX XXXX has been sending me notices to collect a debt which has already been paid to XXXX in New York long long time back. 
Pressler does n't take the phone when I call him. 
Thier file XXXX XXXX Thanks XXXX XXXX XXXX
I am making a dispute against IC syste m, Inc in a resp onse to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices A CT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This a ction constitute fraud under both  Federal and State Laws.
I keep getting letters from a debt collector by the name of XXXX XXXX ... Something along those lines and they are trying to collect debt that does not belong to me at all. I need this problem resolved and taken off. It's showing that i owe around {$6000.00} to them in three separate accounts.
XXXX XXXX  was reported since XX/XX/XXXX after sold XXXX XXXX XXXX ( Original Creditor ) XXXX account shows twist and should be scheduled for depiction after 7 years which is XX/XX/XXXX. They still didnt schedule it
XXXX 2017 XXXX 2017 I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
Regional Finance has been harassing me when I am due for my payments and every month are telling me I am past due. I have been making double payments at times and make attempts to make my monthly payments. They call me multiple times a day, but I am unable to answer or respond because I work long hours that have me on a conference calls or in meetings. By the time I am out of work, they are closed. They have also had a history of disclosing my personal information including delinquency status and loan details to outside parties that are not listed on my loan.
After reviewing my current statement For XX/XX/2019 I noticed a marked increase in my monthly payment. I called the help number and after a 15 minute wait an operator with a lovely voice informed me that stock market was the reason for the raise in my rate. That was that. I requested that my rate be lowered since Charging 25 % interest on a purchase is pretty much Usury and illegal. I was assured that by the operator the rate was ok and that I could not negotiate a lower rate but that the company could definitely raise it. Surely this company ( paypal credit/synchrony ) must be stopped. I plan on closing my Paypal credit account today but someone has to make them aware of their misdeeds. The prime rate is currently only 5 %. You can not abuse your customers and stay in business.
After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX??? 
XXXX XXXX XXXX paid/never late XXXX/XXXX XXXX paid/never late INQUIRIES XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX  I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX & XXXX XX/XX/XXXX  unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX {$30.00} ( SA ) XXXX XXXX not mine XXXX not mine XXXX {$2000.00} not mine XXXX {$3500.00} not mine
Bank of America is attempting to foreclose on a property. The TILA Agreement was never presented. Only the HUD Settlement Form. I requested the Title Company XXXX XXXX to send all of my documents which I signed at closing and there is no TILA Agreement. Furthermore, the Entity in which the Note and Deed of Trust are assigned to is America 's Wholesale Lender " A Corporation '' which did not exist under XXXX Law and does not exist under XXXX Law. XXXX Trustee and Bank of America are initiating a Foreclosure set for XXXX XXXX, XXXX and America 's Wholesale Lender never responded to a Qualified Written Request. The Qualified Written Request to America 's Wholesale Lender was Sent via Certified Mail Return Receipt Requested back in XXXX and never responded nor did Mortgage Electronic Registration Systems which are other parties listed in the Deed of Trust as Lender and Beneficiary. America 's Wholesale Lender A Corporation does not exist as a Corporation Tax Payer in XXXX. Therefore, I would like to have in writing who is the appropriate lender who has standing to foreclose. Otherwise, I would like to take the appropriate action to Rescind the mortgage since XXXX advised in XXXX that they were not the Lender, Owner of the Property or the Loan. Since the Truth and Lending documents were not issued at closing, and I can not contact the Lender for the TILA Agreement with a existing entity, I would like to know who is the true Lender to the note and deed of trust.
I wrote Equifax on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!
My son and his fiance wanted to buy a home together and needed a co signer. My wife co signed for them to buy this home. They moved in, my son then enlisted in the XXXX. After XXXX, he returned home to find out she had found someone new, and had moved out. My son could not keep up the mortgage payments and tried desperately to sell it. He found a buyer so he could satisfy the loan and the paper work got stopped. XXXX had put a lien on the home because of XXXX defaulted student loans. The lien will not be cancelled now until her XXXX XXXX student loan debt is all paid.Now the house sits empty, cant be sold but at the same time mine and my wifes credit is ruined. I am XXXX years old and on Social security XXXX and cant work. Why should our credit be ruined if we can not even sell the home because of a student loan from my sons fiance ( XXXX XXXX XXXX ), we are not related to this girl, we have no control over her student loans, but we are being penalized! I have tried getting this off of our credit reports but they wont budge. Like I said, cant even sell the home to satisfy this mortgage!! This has been through the courts I am to understand and forclosed on. I even tried talking to the bank, they will not talk to me.Thank you
I spoke to XXXX from ARS requested I fax copy of benefits from XXXX for XXXX to XXXX called XXXX ( spoke to XXXX ref # XXXX XXXX/XXXXXX/XX/XXXX XXXX indicated did n't owe it was covered under the urgent care copay. Called ARS gave marys contact info. Also did a XXXX way. ARS said they would Look into it. Never updated me and never called be back to let me know a status update. 
name company never resolved issue.
I have applied for a short sale with Bank of America. They keep closing my file and make me start all over with the process due to missing paperwork and no paperwork is missing. Time is of the essence and this needs to be handled by a competent person. Five months has already been wasted waiting on Bank of America. I try to call the phone numbers that they have provided and I keep getting disconnected by their automated system.
This debt collection agency is abusive and verbally aggressive. They will not cease their endless tactics if trying to collect a debt which they have not validated. This company AFNI, appears on my XXXX report and they refuse to remove it, validate it or cease calling.
I received pre.approved confirmation certificate from upgrade company for low fixed rate loan on XX/XX/XXXX I went to the company website at XXXX and to check my rate with out impact my score as been shown in steps of that website then I found hard inquiry in my transunion report from webbkupgrade on XX/XX/XXXX and I do n't even complet their application they mention clearly it not impact to check rate.i thought nothing will impact my credit score as I never send then any documents to apply for this loan just wanted to check my rate and how much line I will approve for. thanks