WillisBack/dataset-financial-user-claim huggingface dataset:
I have a private loan with Navient which used to be Sallie Mae. I have requested they lower my student loan payment in which on XX/XX/XXXX I was denied repayment options because : " After financial review you and/or your co-signer appear to have the ability to maintain the contractual terms. My co-signer is deceased. I have sent Navient his death certificate and they are still sending me mail with my fathers name attached to notices. They either have lost/or mishandled important documentation stating that I no longer have my co-signer available to help with paying my loan. 

On the month of XXXX my Mother received a call saying I was delinquent and I would be sent to collections if I did not pay before the beginning of XXXX. I called two months previous making sure I was put on a scheduled payment plan. One payment to be taken out on the XX/XX/XXXX of every month and one to be taken out on the XX/XX/XXXX of every month. When I called them to pay the requested amount they told me that I owed even more money because I was taken off auto-pay. They also said they no longer had my phone number to contact me. They allowed this to go on for two months increasing my interest rates and charging me late fees. This is harassment to be told I have to pay or I will go to collections and it is illegal they are increasing my interest and charging me late fees with their own mishandling of my account. They are already being sued for these allegations. I would like to make a formal complaint and find out how to either be dismissed from this loan or to receive repayment. 

The company has refused to lower my payments and continues to tell me that I will be sent to collections due to delinquency. I do not have a cosigner to help assist with me the amount of money they are asking for.
Criminal record is in accurate all records belong to a different party/person. The background check was made using first name and date of birth which brought up multiple felonies. I have supporting documents of having no such record. One of the charges was a recent XXXX which would mean I would have to be incarcerated which I am not.
I learned of a debt with Chase Bank on a credit card that was totally made by my estranged/then ex wife over XXXX years that I did not even live at the address the billing was going to. She forged my name and used my SS number and information to open the card and I never had a card on the account. I stopped living at the address the billing was going to in XX/XX/XXXX. On XXXX XXXX, XXXX she sent me the bill in the mail during the pendency of our divorce and told me to pay it. She also changed the mailing address for the billing and the phone number to mine at that time. On XXXX XXXX my court order for divorce clearly made the bill not mine and hers and she was told to take my name off the account. Which she has not done as yet. The FTC was contacted in XX/XX/XXXX on this Fraud, Chase Fraud department was contacted many times and sent copies of the court order, The local State Police had the fraud complaint filed with them, the NYS AG had the fraud complaint filed with them. 
All of this documented and on record. And my credit file says disputed and called fraud as it was. I am waiting to go to court again with my exwife to enforce the court order as we speak. 
At XXXX on XX/XX/XXXX I received another harassing phone call from a girl at Chase Bank threating me that " I will never be able to get a loan again for less than 6 % because of this card ''.
Found out I had an account on my credit report from Commonwealth Financial Systems for a medical bill. It was placed on my credit report in XX/XX/XXXX. I contacted the debt collections via telephone and told them this was not my debt, that I have never received a letter from them at all and that statue of limitations in XXXX had ran out. The agent told me they had purchased this from someone else and that statute of limitations did n't start until the debt ran off of my account and she said that did n't happen until XX/XX/XXXX. She told me the debt was from XXXX XXXX and it has been over 6 years since then. Again, I told her the debt was n't mine and I wanted validation of debt. It 's been a month and I still have n't received that. I contacted the credit report agency, XXXX, and asked for a dispute with them. They only updated the address on my credit report and did not provide any new information regarding my dispute. 
I also contacted the hospitals that I visited in XX/XX/XXXX ( formerly XXXX XXXX XXXX, now XXXX ) and was told my accounts were XXXX balance and that I was paid in full. They gave me a number to contact the emergency room doctors billing company and they gave me a phone number for them ( XXXX XXXX XXXX XXXX ). I contacted them and was told I am not in their system at all and that I should not be in collections with them since I am not showing up in their system. 
Yesterday, my parents received a letter at their home for me from this collection agency. The letter was basically like a " new '' collections letter, as if they had never spoken to me before. It stated if I did n't send in writing that I was disputing this claim or wanted validation that they would take it as evidence I owe this debt. But I had already disputed this a month ago and was told they would send validation of debt, to which they still have n't. 
I contacted the XXXX Attorney Generals Office about this and was told to send them a written letter stating I am not verifying this debt and a validation of debt ( if I choose too ). I am going to send the letters. I was also advised by the XXXX Attorneys General Office to file this complaint online. Which is what I am doing now. 

So the hospital and emergency room doctors billing verified I have XXXX balance and no debt and should have no collections out for me.
I took out a personal loan for 36 months in XX/XX/XXXX with no penalty for early repayment. The loan will be paid off XX/XX/XXXX with 91 % of the principal paid. My credit report does not reflect my payments or correct loan balance. After speaking with other customers who paid their loans early, I am now fearful that Avant will continue to not report the correct status of the loan and that they will continue to take automatic drafts out of my account after I make the last payment in XX/XX/XXXX. I am preparing to seek legal assistance if Avant does not honor the terms of the loan.
A financial institution with which I 'm indebted, has sent several employees to my apartment complex, knocking on my neighbor 's doors. They engage into conversation with my neighbors to " break the ice '', and then they commission my neighbors to give call them as soon as they see me, and they share with them the fact that I owe money to this financial institution and I am behind on my payments. None the less, last night, XXXX of their employees came to my apartment at XXXX, and I asked her to leave as she was violating fair collection practices.
We live in ohio and had citimortgage for our mortgage company, not by choice. We live in a city that we feel doesnt have a good school system for our daughtera so we have been paying for XXXX education. In 2012 we had XXXX girls in a XXXX school costing over {$20000.00}. We tried remodification multiple times with CitiMortgage but we didnt qualify for any help whatsoever. Our mortgage was messed up and i had to get the ohio attorney general involved. That same year my husband took a huge paycut and we couldnt make the house payments with our 9 % interest that we could not get help with from citimortgage. After about a year of not paying our mortgage the loan was sold to XXXX. Now our house has been foreclosed and was sold at auction. My questions are multiple. Why didnt we quality for any type of remodification when, according to the president, everyone should have received some type of help? Why would a company purchase a mortgage that was already in default? How can citimortgage have gotten away with doing what they do. I know they have alot of lawsuits against them but i dont have the funds to take them to court and now we are facing eviction from a home that we have lived in for 21 years. I feel we were wronged by citimortgage and if they would have remodified our mortgage, we wouldnt be in this situation. There has to be something done but we cant afford help.
On XX/XX/XXXX of this year, I decided to pay off the total balance of my signature plus loan to a total of {$6600.00}. I wanted to pay off this balance because my APR was 12.5 % and I wanted this off the books. After waiting over a week for this transaction to clear my account, I went onto my Navient account mind to see that reversed my payment and charged my the full months interest and then deducted my monthly recurring amount of {$100.00}. I called Navient to resolve quickly, and they apologized for the issue and came to the conclusion that there was a glitch and that their computer tried to pull the funds from another account I had on file. My pushback was that I have never had another bank account associated with my Navient account. I was charged {$70.00} in interest and then paid the remaining balance off in full over the phone, and I will be waiting 3-5 days for that payment to clear. I am sure I am not the only one that this has happened too. And the blatant corruption and abuse to student borrowers need to stop NOW!
Ashton and Weinberg Inc. ( XXXX ) XXXX called my cell phone and left XXXX messages last Friday XXXX XXXX stating that since they were unable to get in touch with me they would be " going on XXXX '' to try to find me and my family and friends so that they contact them to see if I was " Okay :. I was at work when the messages were left for me and once I got off I listened to them and almost immediately afterwards I received a phone call from my dad stating and " attorney 's office ( which I do not believe that they are ) called and was searching for me and they left a " claim number '' with him. Then my brother called and stated that hey had also called him and he let me listen to the message which again stated they would be going on XXXX to find my family and friends and they would be contacting them and they also left that " claim '' number on my brother 's voicemail. Then my mother called and said they had called her work. Yes her work and left a message with a receptionist giving them my name and " claim number '' and asked the receptionist to have my mom call them. This may not technically be considered harassment in the eyes of the law. But it is definitely bordering the definition of harassment. And at the least, they very least it is unethical. I worked for a collection agency and I understand Skip tracing and other methods to find family members. But never did we leave any information other then a message, definitely never a " claim number '' or any other information of that sort And when told to cease the phone calls to the family members, we did. I left them tow messages Friday night after I got off of work to let them know that they are never again to call my family and I gave them my cell phone number ( which they already had ) as well as my address for correspondences. Once again, this may not be legally harassment, but it is definitely at the very least crossing the line.
Formal Fraud Report, The fraudulent landlord   XXXX   XXXX   XXXX   XXXX    (  Creditor ) is committing intentional fraudulent activities again and as previously expected and documented in the filed in the Declaration at the Bankruptcy  XXXX  ourt. This time they are committing a major violation to the federal law and the automatic stay. The Bankruptcy Court mailed them the Bankruptcy documents as confirmed in the courts Certificate of Notice.    
Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center   on   XXXX   XXXX   XXXX      XXXX  +Greene  XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Second Floor,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  +SCG  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , CA  XXXX   XXXX , they are doubling the amount of the false charges intentionally. The  XXXX  false judgment which they have won based on bribes and corruption through the corrupted law firms name above stated that the total judgment amount is {$7000.00} which is listed in my Bankruptcy case schedules.     Now, this fraudulent landlord and this fraudulent collection agency ( I.Q.  XXXX   XXXX   XXXX   XXXX   )  is stating that the amount is {$15000.00} as they are intentionally ignoring the Bankruptcy case, Bankruptcy Court, and the Honorable Bankruptcy Judge.     Furthermore, they are falsely including my ex-wifes name on the collection agencys fabricated bill while she was never on the leasing contract with them. They are practicing intentional violations and disrespecting the entire judicial system.     They are also aware about this entire Bankruptcy case as they are represented by another corrupted law firm (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They have filed an NEF Request on  XXXX / XXXX /  XXXX   ).     Additionally, they are falsely changing their legal name in the fabricated collection agencys bill from  XXXX   XXXX   XXXX   XXXX  to a false and fictional name  XXXX   XXXX   (  CA ) intentionally aiming to escape from the legal consequences and to   mislead justice.
Additionally, they stole my furniture and my security deposit as I documented everything in my Bankruptcy case schedules ( the fraudulent leasing manager sent an email directly to me confirming that they have stolen my furniture and my personal belongings as I could not afford the moving expenses due to their violations and the harm they have cause to me ).
Additionally, they are mailing this fabricated and false bill to my old address intentionally as they want to cause intentional delay for the mail delivery so they can use this time to continue their fraud activities while they are aware of my new mailing address as documented in this Bankruptcy case and the Superior Court of California cases as well.
Those fraudulent and dirty people are paying bribes and fabricating documents.
The fraudulent collection agencies name and address : I.Q. Data International, Inc.      XXXX   XXXX   XXXX   XXXX , WA  XXXX
Son received phone call to his cell phone looking for me. I was informed to contact XXXX XXXX about an outstanding debt. XXXX informed me that I owe a debt from 1985 from XXXX XXXX XXXX in the amount of {$2000.00} plus $ XXXX+ in fees and penalties. She had my full Social Security number and read it back to me over the phone. I was told that if I did not pay this now, I would face arrest and I would be met with my wages being garnished and property will be seized.
Mortgage Company has hijacked my property taxes! 
My husband and I purchased a home almost 10 years ago and used XXXX XXXX XXXX for the mortgage. A few years ago, my loan was sold to a company named SLS ( Specialized Loan Servicing ). We obtained a 7 year arm with no escrow of insurance or home owner 's insurance. XXXX years ago, I went online to pay my yearly property taxes one month late, and noticed the balance was XXXX. Come to find out, my mortgage company requested my bill from my city/county government and paid the tax bill and started escrowing my mortgage account. I mailed them the money for the tax bill amount to settle my escrow account with them, but they did n't post the payment and were holding the funds in some sort of " suspense '' account. This also made my mortgage payment look delinquent, so they have also reported my to the credit bureau for being 30 days late on my mortgage payment. All because they were holding monies in " suspense ''. I called and tried to straighten it out, but they were very rude and unhelpful and I never got anywhere with them. This company is NOT a good company to deal with and I would never CHOOSE to do business with them. I 've read complaints all over the Internet about them. I do n't seem to have any rights when it comes to this situation. I continued to make my payments to keep things current so that they do n't try and take my house. I went online last year to make my tax payment which is due on XXXX XXXX, but they had already paid it again, but 2.5 months early, so they hijacked it again!! This year my tax bill came early in XXXX, so I 've already paid the bill myself, which I have attached here. They are demanding escrow when my mortgage contract signed with XXXX had " NO '' escrow terms. I want to pay my own tax bill as I have done for almost 10 years with no escrow. They are escrowing several extra months as well! Again, this company has hijacked my property tax bill for the past 2 years and forcibly added an escrow account to my mortgage and I need help rescuing my monies being held in escrow and to restore my mortgage to it 's original terms. Can you help?
XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The XXXX is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to XXXX. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.
Randomly received a bill in the mail stating that I owe Navient a total of XXXX principal and XXXX of Unpaid Interest ; last payment received XX/XX/12. This is the first time I am receiving any notice of a missed payment!! This is unfair and do not agree with this billed. Please help! This is the first time I ever heard of Navient. I was orginally signed with Sallie Mae services and believed my loans were paid in full. This is the first notice I've received about any bills or warning notices. Thank you for your time.
On XXXX XXXX, XXXX, my automatically withdrawn monthly mortgage payment, to Wells Fargo Bank, was made. With this payment my mortgage balance was reduced to {$150000.00}. This reduced my balance, on my home valued by Wells Fargo 's own appraiser at {$200000.00}, to XXXX % LTV. I requested in writing the removal of PMI from my account because my balance was less than XXXX %. On XXXX XXXX, XXXX, Wells Fargo responded to my request by arbitrarily reducing the value of my home to {$170000.00}. They did this without an appraisal of any kind and they did it for the sole purpose of being able to continue to charge PMI on my account. This {$170000.00} figure is less than the amount of my original loan, XX/XX/XXXX, and is far less than their own appraisal of {$200000.00} which was made after I had added over {$40000.00} worth of improvements. 

These people have blatantly failed to comply with the requirements of the Homeowners Protection Act.
I made a payment online kept getting system error and payment was not processing. When I called the XXXX XXXX XXXX XXXX, they wanted to charge me a fee for taking payment over the phone. So I refused the pay over phone. After an hour of attempting payment online, payment was successfully made. I had a zero balance, I recently looked at my account and noticed that because my payment was made after the bank time zone 12 minutes a late fee applied for that month and the following month. I did not get notification of late late fees. On top of that interest is being charged on late fees. When attempted to contact company they said they could not remove. I have never dealt with a company that is so unprofessional.
I set up automatic payments, they stopped them. 
I saved my bank information, they removed it after being saved for months. 
I try to manually pay, nothing goes through. 
I try to update anything on their site, their site won't let me ( constantly errors out ). 
I emailed and called, no help. 
I can watch my interest accumulate, so there is that.
CHASE BANK IS REFUSING TO ASSIST ME IN RESOLVING AN ISSUE WITH TEXT ALERTS. 
TEXT ALERTS ARE VERY IMPORTANT TO ME AS THEY KEEP ME UP TO DATE AND INFORMED ABOUT MY ACCOUNT. FURTHER, I WANT TEXT ALERTS SO THAT IF EVER THERE IS AN ISSUE WITH SUSPECTED FRAUD, AND IT IS NOT FRAUD, I WANT TO BE ABLE TO RESOLVE THAT QUICKLY, WITHOUT CALLING, SO I MAY CONTINUE TO USE MY CARD.
On XX/XX/2018, a letter was sent to Diversified Consultants via certified mail asking for validation of a debt they are reporting on my credit report. It has been over the 30 day request for this information and they have yet to respond. I am requesting that this negative information be deleted from my credit report as they have failed to provide this information and it is harming my score.
I am still having issues with Chase. After closing account for no reason they were providing awful service trying resolve the case. First of all the accounts were closed for no reason which were confirmed by supervisor from XXXX as there were no rapid increase in my revolving balance. Actually it was decrease. Furthermore some information was in dispute which was finalized shortly and according to XXXX it should not be taken into account. On XX/XX/17 I am receiving call from XXXX XXXX from chase credit department. He  was not able to provide any explanation regarding closure of my account but told me to contact chase whenever the issue with credit report update is resoled so they can reconsider the opening my chase freedom account ( One more thing whenever I requested for a review I told them to reopen only chase freedom but their employees reviewed all my account to have them all reopened which I have never requested ). Today I called representative and she after taking couple of minutes told me that she could not have it reopened as it is more than 30 days and she told me that there wasno XXXX XXXX working in Chase credit department. Furthermore it is already 60 days no supervisor called me from their credit card services department and I was told on recorded line to 48- 72 business hours. Every time I was told that they were calling wrong number and I updated it 3-4 times. I know that all calls are recorded and it is one more proof regarding how unprofessional company they are. within 2 month nobody called me from their supervisors. 
Attaching my credit report which only shows 3 percent of utilization. 
plus no feedback and resolution about remaining issues from my previous complaint.
I recently found out that my name was attached and associated with 3 consumer reporting agencies, Early Warning, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and  never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.