WillisBack/dataset-financial-user-claim huggingface dataset:
Navient maliciously does not allow you to pay off higher interest loans, even after bringing it to their attention. I called customer service after trying to pay off a 6.5 % loan and the customer service rep said " let me log into your account, it should allow us to choose which loan you would like to pay off. '' After he logged in he found the EXACT same thing as me, it automatically applies the payment to the lowest interest rate loan. All he could say to me was " that is really weird, it wont let me either but it should. Give me 24 hours XXXX and we will have it rectified. '' Well, I gave them more than a week and the website still does not allow you to choose which loans you want to pay off. With XXXX Americans in default you would think the US Govt would want people like myself trying to pay off their debt EARLY.
Hello, Ill try and make this short and sweet ... 
I have been diligently trying to get back money from my mortgage company for overages that I have paid the last 3 years. Bayview loan servicing has been collecting too much money for my escrow since XX/XX/2014, when they purchased my loan. I am a XXXX veteran who is tax exempt, I have the documentation from the county to prove this. EVERY TIME I call Bayview, I am pushed off to the next department with a different answer and a different resolution ; none of which has gotten me anywhere. I 'm XXXX. I do n't have the time, the resources or the patient for this treatment. I have asked a gal from my local credit union to help because Bayview has pushed me off time and time again, that its going to put me in the hospital. XXXX, my local banker has advised me to contact you to see if you can help. She has tried to fax, to upload, and to call when told to follow up the past 2 and a half weeks. She has had no luck. The last service representative she talked with, even hung up on her. She has been requesting an " escrow analysis '' of every transaction to date since they took over the account in XX/XX/2014. 
I want to know where my money has gone, why they have n't adjusted my payment to reflect the fact that I do not have to pay taxes. I want to know why this company pushes me off, I want to know why they wont help me. I just want the statement and I just want my money. Why as the " professionals '' will they not help? I pay my mortgage every month, on time. I have for the past 3 years while they have had my loan. I hope you can help me, I hope someone will hear my cry for help and make sure that this company does n't treat anyone else like this.
Midland Fund This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XXXX/XXXX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with XXXX to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Midland Fund went unanswered within the specified time frame according to the FACT act ( XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & MIDLAND FUND with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( MIDLAND FUND claimed they sent documents to me on XXXX XXXX, XXXX, during a follow up phone call. Which is past the specified time frame regardless. Plus, I still have not received them. ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress in XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.
Good Day, recently I 've attempted to get some information removed from my credit report which still shows that a IRS tax lien is applied to my account. This lien has been released for approximately a year now and has not been removed from my credit report. I 've contacted Equifax XXXX on this matter and each time they simply reaffirm the fact the lien has been released yet fail to remove it from my credit report or reflect the fact that it has been released. Also it would seem that they are allowing companies to change the date of when derogatory remarks were applied to my credit report to allow them to reflect poorly upon me for a longer period of time. Any help in this matter would be greatly appreciated. 
XXXX XXXX
I received a notice from my employer in XXXX about a garnishment from XXXX XXXX XXXX XXXX located in XXXX Wyoming. I haven't received any communication from them about this garnishment. I contacted someone through their office by phone and asked them to work with me, I had just found out that I was XXXX and struggling to pay the bills. they refused to help me so I called the XXXX County Courthouse. The woman instructed me to write the judge so I did. That was a complete waste of time, so I dealt with the garnishment. In XXXX they garnished me a total amount of XXXX dollars. The amount I owed the Original company XXXX XXXX was less than 400.00 dollars. Once again I received no communication from this debt collector, then recently received word from my employer that they were going to garnish me again. I wrote a letter of validation and dispute to XXXX XXXX XXXX XXXX on XX/XX/XXXX and sent it off that same day. I was under the assumption that they had to stop all attempts to collect this debt until they could validate this disputed debt. They have still garnished me once on XX/XX/XXXX and the next on XX/XX/XXXX for a total of XXXX Dollars. This makes a total of XXXX dollars they have collected from me on a less than 400.00 debt. This is a very old debt possibly time barred, and I want to know how this is legal. I disputed the validity of this debt and they are still taking money from me. I have received nothing from them regarding my dispute. I am a family of XXXX and the only one working, I can't pay my bills nor feed my family.
XXXX XXXX XXXX falsely reported a bill that I had not paid to collections. This was a false report because I had changed my plan from one type of XXXX XXXX XXXX product to another and because of their erroneous billing practices they continued billing me for my previous product even though I had switched to a different product of theirs and told them to cancel the previous product. Furthermore they made no attempt to contact me before sending their mistaken debt to a collections agency.
I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc.

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 3. The current payment account status is 120 Days Late but the account is Listed as closed. 4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 5. Its ahowing as Voluntary Repossession and I NEVER EVER
EVER EVER DID THIS and I requested prood of this and never rcvd.

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I received a threatening voice mail which I have recorded. 
This firm called me and stated they were the Law Firm of XXXX XXXX XXXX and that I missed a court appearance. 
I was very concerned as I have had financial problems in the past. 
I was told I was paying a judgment and it was a major discount. There were threats made to me if I did not comply.I have all of the paperwork to support this. 
I became very alarmed when I received a call and a letter from a firm stating that my account had been " recalled '' from Nelson Cruz and Associates and that my account was a simple collection matter. 
I was alerted that the payment made to this firm was not reported to them and they were shocked to see the evidence I had. 
I have read about this firm and have found nothing but negative statements and complaints. 
They are clearly a fraud and a scam. 
It is run by a man named XXXX XXXX that I have found out has been arrested XXXX.
On XX/XX/XXXX @ XXXX EST I spoke with XXXX  at SLS ( Specialized Loan Servicing ) & requested a copy of my complete mortgage payment history on my account. XXXX advised me that it would take them 1-3 days for them to process the request & 7-10 business days for me to receive it. On XX/XX/XXXX @ XXXX EST on my THIRD attempt ( transfer/disconnect on 1st try, transfer/transfer/on hold forever on 2nd try ) to speak with someone @ SLS to find out the status of my request I finally spoke with XXXX ( ID # XXXX  ) who advised me that on XX/XX/XXXX the document I requested was mailed. On XX/XX/XXXX@ XXXX EST I called again & spoke with XXXX ( ID # XXXX ) and advised him that I still had not received the document he advised was mailed on XX/XX/XXXX. He advised me again that it was mailed on XX/XX/XXXX. I told him that I want another request put in to mail me my complete mortgage payment history & I want to speak with a supervisor. He put me on hold & told me that he has escalated my request to a supervisor ( XXXX ) as well as that department ( sometimes SLS refers to it as the customer resolutions dept & other times SLS refers to it as the customer support dept ) & will have them re-send. He advised me to call back tomorrow before XXXX   EST ( XXXX  would be leaving at XXXX their time ). On XX/XX/XXXX @ XXXX EST I called & requested to speak with XXXX in the customer resolutions dept. I explained to XXXX ( ID XXXX ; XXXX   works for National Bankruptcy Services - she advised me that this company answers all of SLS 's calls & try to help people as far as they can ) that XXXX sent an email to XXXX & I want to speak with XXXX. XXXX  advised me that she would put me on hold & would check on me periodically to make sure I was still there until she got a rep from SLS on the line. The next person who got on the line was XXXX, I explained to her that XXXX sent an email about my situation. XXXX said she works in the customer support dept & that the only XXXX is in her section. She said she would walk over to see if XXXX was available. When XXXX returned to the line she advised that XXXX was in a conference & not available. She advised me that XXXX told her to let me know that she would call me back by the end of the day. I advised her that if I did not hear back from XXXX  by the end of the day I would be filing a complaint with the CFPB ( your agency ). I have since given them THREE more days to call me back & to date, no calls & I still have not received the requested document in the mail.

I have the phone calls from XX/XX/XXXX & XX/XX/XXXX recorded on an app called callX
This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XX/XX/XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XX/XX/XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.
I XXXX XXXX have had my protective rights under XXXX XXXX State banking laws violated, basically because of an account support associate named XXXX XXXX, who does not understand the difference between a social security number and an EIN for a limited liability company. As you will notice from my attached inserts, a judgment on medical issues was granted against me XX/XX/XXXX. The law firm in question never submitted a complaint where I was legally served while I lived in either upstate XXXX XXXX   or the state of XXXX. I current have separate legal counsel working on vacating an illegal judgment by XXXX XXXX XXXX XXXX XXXX XXXX. This law firm that specializes in medical collections has abused the civil liberties of consumers for decades. The subpoena under CPLR Section 5222 ( b ) does not conform to state regulations in the state of XXXX XXXX  on the merits that I was never even issued an original complaint, that XXXX XXXX XXXX XXXX XXXX XXXX too a default judgment against me personally, not corporately. 

Most important, the judgment is against me personally and my connecting social security number, not any corporate entity such as my limited liability company registered as XXXX XXXX, XXXX. The hold on my {$5700.00} in funds in that account is simply a violation of banking procedures in the state of XXXX XXXX, or any other stare for that measure. My usage of my own money is being held against my rights to said funds, and XXXX XXXX XXXX XXXX XXXX should be held accountable. 

A separate complaint will be issued to the National Credit Union Association regarding the oversight. 

NCUA # XXXX Year Chartered XXXX Employees 326 Primary Regulator I demand release of my LLC account funds immediately.. Since the debt is being stolen from a non-entity connection, Im claiming an identity theft was used to process this hold on funds by XXXX XXXX XXXX XXXX XXXX XXXX, and that the New York State Bar Association must be informed of this illegal action.
On XXXX XXXX, 2017, Chase Bank notified me that they were closing all of my savings and checking accounts and canceling my credit card. They gave no reason and gave me one month to empty my save deposit box. I had already paid the 1 year rent on my safe deposit box and the XXXX, CA branch refused to credit me the remaining months. I have always maintained the minimum balance and can not figure out why my accounts were closed. I was not given sufficient warning and my credit card was denied while dining with friends. This was very embarrassing and inconvenient. Thank you for your investigation into this matter. I have attached documents received from Chase Bank.
Order Summary Order Number : XXXX Order Status : Deposit in Transit Your money transfer has arrived! 

The money transfer you sent has arrived. Let your recipient know that it will be deposited in their account soon. 
Order Timeline Money Transfer Created XX/XX/2018, XXXX XXXX GMT+9 In Transit XX/XX/2018, XXXX XXXX GMT+9 Sent to Agent XX/XX/2018, XXXX XXXX GMT+9 not complete.

please help me they don't deposit my money
1, XXXX & XXXX XXXX took out a mortgage with XXXX XXXX  15 years ago ( XX/XX/XXXX ), at a rate of 5.74 % -180 payments of {$2100.00} due on the XXXX of the month beginning XX/XX/XXXX. 
2. XX/XX/XXXX we received a letter informing us of a reduction of rate to 5.24 % Due XX/XX/XXXX. 
at that time we had 176 payment left of {$2000.00} 3. The bank issued a change in due date to the XXXX starting XX/XX/XXXX 4. XXXX was acquired by Bank of America and on XX/XX/XXXX changed the due date to the XXXX of the month. 
XXXX. On XX/XX/XXXX Bank America sold our mortgage to XXXX/AKA XXXX XXXX for XXXX and that figure unbeknownst to us being aprox {$5600.00} higher what we could payoff by our end date of XX/XX/XXXX. Now need to pay nationstar {$5600.00} after our payoff date in XX/XX/XXXX. 
6. The Problem is with Bank America who we have spent months trying to get an answer and they can not provide full documentation to figure this out. They just don't care.
On XXXX XXXX my XXXX XXXX partner received a phone call from a person saying he was a representative of XXXX and they had detected a problem with our computer. Coincidentally, I was out of town and we were having difficulty with the computer email system. So, he thought it was really a person from microsoft and gave his personal information as well as his Target credit card info. I returned home the next day and my partner told me of the incident. I called Target and asked to have a stop put on the charge. They said they could n't until it was posted. We called Target again on the following Monday, XXXX XXXX. The charge had been posted and we asked for a stop, explaining that we felt the charges were from a fraudulent co. called XXXX. Target told us that we needed to write a letter explaining what happened. We wrote the letter. target then sent us a form to fill out with a return addressed envelope. We filled that out and returned it. XXXX XXXX Target sent a letter saying they had not heard from us and sent a bill for {$390.00}. We called the number provided on the letter and got an answering machine from a guy named XXXX in Arizona. His message said he would contact us within XXXX days. We have yet to hear from XXXX and the bill will be due on XXXX XXXX. We fear that we will be forced to pay for services that will never be received and that Target supports thieves. What can we do? I went on line to search XXXX XXXX and there is a long list of blogs/complaints from people who have gone through very similar experiences. Most of them did not have XXXX and did n't give their credit card information. We will continue to pursue this violation. 

We are unable to attach documents because we do n't have email capabilities with this computer.
My Chapter  XXXX  Bankruptcy was  discharged   XXXX   XXXX ,  2017  including a debt of  XXXX  from SunTrust Bank. However  XXXX ,  XXXX  dropped my case oveer my complaint with the   XXXX   XXXX    and  submitted  XXXX  electronic payments to a closed account with SunTrust. After numerous letters and visits to SunTrust branches in  XXXX   XXXX ,    2017  I received a letter from SunTru st Recovery Dept. than king me for the payment and demanding an additional {$700.00}. This whole account was discharged  XXXX   XXXX ,  2017  and SunTrust received proper notice from  XXXX  and my new attorney. The electronic payments from  XXXX  to SunTrust were an error. I never paid any monies to SunTrust and do not owe any further amounts to SunTrust I have all the   XXXX   XXXX    info rmation and the numerous letters to SunTrust. The last call I received from the SunTru st Recovery Dept state d that they would not return the money ... .period.