WillisBack/dataset-financial-user-claim huggingface dataset:
When Navient became my loan servicer, I agreed on an income-based plan paying {$210.00} per month. The person tried repeatedly to get me to agree to forbearance, which I had already done ( and it added a considerable sum to my debt ). At any rate, the agent instructed me to go to the Navient website, make my first payment, and then set up for auto pay. I did as instructed, adding my bank information in the tab that says " autopay. '' Since the first payment was manual, it was debited from my account, but the following two months, no payment was taken ; but they were sure to add late fees and a past due balance of {$430.00}. I called to inquire about this and the first thing the agent did was try to get me to agree to forbearance. I declined and said that they were supposed to have debited me for the last two months but did not. The agent proceeded to tell me that I was not signed up for auto pay. While on the call, I went to my Navient account and confirmed that my bank information was in the " autopay '' tab on the website. He then said I had n't really signed up for auto pay, and he would email me some PDF files that I would have to fill out. When I received these, they were not web-hosted PDF forms that one can fill out, but rather only completable by printing and mailing or faxing, for which no instructions were included. Furthermore, the terms and legalese in the auto pay application were pages long, so long and complex that I was afraid I was committing to something that would cost me additional money. The original agent I spoke with never mentioned this lengthy process. In fact, he just said, " go to the site, make your first payment, and then set up auto pay and you 're good to go. '' There is no mention on the " autopay '' tab on Navient.com that mentions downloading and filling out multiple pages of auto pay application. When other companies do autopay, it 's a simple matter of entering your bank info and checking a box to approve. Now I 'm getting daily emails offering forbearance, and was getting daily phone calls and texts before I told them they ca n't do it any more. All I want is for them to make my account up to date and let me pay the agreed amount, but they wo n't do it. 

Also, why do I owe {$49000.00} on a loan with original principal of {$20000.00}? Is this legal?
I applied for the American Express Platinum card on XXXX/XXXX/2016 via their website. I was approved immediately. The offer I applied for was to receive XXXX Membership Rewards points after spending {$3000.00} within 90 days. I successfully completed that spend in far less than 90 days, it was closer to 30 days. When my statement closed, I saw the points appear in my account online around XXXX/XXXX/2016. I was planning on saving them for a trip to XXXX later this year. However, on XXXX/XXXX/2016 I logged onto the American Express website to check my accounts, and I noticed that I had XXXX points removed from my account. This was a shock to me, as I had travel plans that I was going to use those points for. I immediately called Amex at XXXX central time from my cell phone, and asked to speak to somebody about the points. I was told that they had been removed since I did not complete the terms for the XXXX bonus. Since I saw the points in my account in XXXX, I assumed I had definitely completed the terms. I was told they would follow up with the Membership Rewards department but I did not get any response from them via call or writing. The only reason I applied for this card, and paid the annual fee, was because of this point bonus. I continued to use this card and did not close the account in any way. I have also never been eligible to receive a bonus from an American Express Platinum card in the past, nor have I received any bonus from an American Express Platinum card in the past.
During the application process I was sent a link to access my checking account information. I ask the customer service representative what the purpose of accessing my account was, to which she replied " it's to verify that your checking account is active. '' she put me on a brief hold and return to the phone asking if my check was partially deposited into this account and the rest deposited elsewhere. Based on this questioning, I knew that she had accessed my account, without my consent or knowledge. This happened on XX/XX/2018 at approximately XXXX XXXX
I have been calling Navient for weeks now in an attempt to lower my payment. I lost my job and am unable to make an astronomical payment. They are refusing to lower the payment amount. The Ombudsman will not return any of my voicemails. I do n't want to default but I ca n't pull {$400.00} a month together without a job and they are n't willing to compromise at all.
I have spoken to an attorney regarding handling this debt. However Synchrony Bank calls me 20 times a day at least mostly from their Texas offices. XXXX XXXX XXXX XXXX XXXX, Tx. And XXXX XXXX XXXX XXXX   XXXX, Texas.
Saturday XXXX XXXX, 2018 I received an email from Bank of America to take a survey. I have NEVER took a survey before and it will be my very last one!! I have a pic of it too. At the end it stated I could win up to {$200.00}. So all I had to do to get some kind of skin cleanser was pay just for {$4.00}. It was on the Bank of America survey on my XXXX. I know I did NOT complete it, but a few minutes later I had an email from a company called XXXX XXXX XXXX which I never heard of and they charged my B of A credit card of {$4.00}. I called the number on bottom of receipt of XXXX and I called over a dozen times to cancel and they said they could find NO account for me even though there was an order number on my receipt and they charged that amount on my Bank of America credit card! I called B of A 10 times and told them every detail and spoke with fraud and dispute dept. and asked to speak to a manager every time and they would not do it! I have cried enough tears and I so upset as that skin company is a subscription and will take out {$69.00} every 30 days from my card and NO ONE can help me!!
Spoke with collections rep XXXX XXXX at Midland Credit Management XXXX MCM ) in regards to XXXX XXXX Card at XXXX XXXX on XXXX XXXX, 2015. He spoke with my husband before he got the permission from me to discuss the matters of the account XXXX the kind of debt and settlement ). He also brought his manager on the line XXXX XXXX and I Spoke with him starting at XXXX. He brought up other debts as well but never address the privacy violation of his associate but continued to try to collect. The rep went against privacy acts and FDCPA rules and never addressed the concern. They stated the call would be monitored and recorded, so they should have the call in their records.
My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. XXXX separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX  Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from Transunion and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see Transunion and XXXX attachments
On the evening o f  XX/XX/XXXX  I re viewed my account and became aware that it was in the negative. At the time there were  XXXX  pending items - {$26.00}, {$24.00} and {$11.00}. The pending items as listed were included in the negative balance. I immediately transferred {$80.00} from my savings account to cover all of the pending items and have a positive balance in the account. The next morning my account was again in the negative. No additional charges beyond the pending items from the night before had posted.  Suntrust chose to post the  XXXX  pending items prior to crediting the transfer deposit of {$80.00}. This is both unfair and deceptive because when I transferred the {$80.00} my account reflected a positive balance- that there was sufficient funds to cover the pending items and have a positive balance. However, by Suntrust posting the pending items first ( knowing that there was money deposited to cover them ) you balanced my account in such a way that maximized the possibility of overdrafts. Again, unfair and deceptive. I am requesting that Suntrust  immediately refund {$100.00} charged to me as overdraft fees on   XX/XX/XXXX .  Thank you for your immediate attention to this matter.
I have a few clients that deposit monies into my checkings and they frequent your warren office on gratiot and EVERYTIME a deposit is made the clerk gives my balance to the people I do not appreciate it and am aware it 's against your regulations because you make me show my own identification before you give me my own balance. Also discussed a deposit and where it came from I am the only one on the account so this information should n't be released from any clerk to anyone I am livid and would like this to be fixed ASAP IT HAPPENED TODAY and numerous other occasions
Today I Bank of America at XXXX and spoke with a female claiming to be XXXX XXXX who said that she had submitted the request to remove all the late fees for a total of {$100.00}. I had to repeat the reason for non-payment a 4th time which has not changed. I did not get my statement. They were put in the wrong mailbox. Instead of XXXX it was placed in XXXX. The 1st female who cancelled the 1st card I never received took the information. She was rude claiming it's not a Bank of America problem, it's a postal problem. I made a complaint to the Post Office. I made a request on XX/XX/2018 to XXXX XXXX who probably never attempted to put the late fees in, then XXXX a late fee was added
I applied online as a member of Navy Federal Credit Union for a credit card onXX/XX/XXXX2017. Within a few hours in was an online message declining. I called the next day and onXX/XX/XXXX2017 to inquire why but was told the letter was mailed out last week explaining the reasons for being declined. However I never recieved anything so I called again todayXX/XX/XXXX2017 to ask could the letter be resent cause I never recieved it the representative told me no they wont do it. I explained as a consumer there are fair creit laws that state I have a right to be notified. The representative stated they will not email it through their secure online banking website nor resend it. This is pure nonsense things get lost in the mail so it should be no big deal to reprint and mail my credit decision letter. 

This is horrible customer service.
I attended XXXX XXXX XX/XX/XXXX -XX/XX/XXXX ( a XXXX XXXX ). All of my loans were forgiven by XXXX Acct. # XXXX in XX/XX/XXXX. Genesis should have been included in this. They need to stop sending me notices as I am XXXX and will not be paying back any loan unless I receive help from the government myself. Please check this out and inform me of your findings.
I was notified in the month of XXXX by credit wise that my credit score dropped by 100 points due to a 60 day Capital One credit card late-payment. I currently have 2 other cards from Capital One and the payments have been consistent. When paying on-line, the convenience of viewing each of the three credit cards due dates on a single account summary page helps in keeping up with and making sure my payments remain consistent and on time, no excuse to be had. I spoke with 2 Capital One reps on XX/XX/18 at XXXX XXXX  and learned the following about their on-line payment notification system. 

First, I didnt get a grace period to pay and the email system failed to notify me when my bill was past due. I have been a loyal customer to Capital One for about 3 yrs and this is the 1st time I have been more than a few days late with a payment. 
The following month due date, for this past due card, was provided when paying the other cards through this on-line account. I did not receive notice of a past due payment when viewing th account summary on-line. 

I wasn't given a 28 day grace period, as acknowledged by Capital One ( XX/XX/18 ) and again not reflected when checking on-line as it should have been stated as a past due payment. 

When making/viewing payments for either of the three cards on-line, each card has information of the amount owed, their due dates, and the minimum payment for each on the same page visible with no excuse for late payment. The card in question did not state that is was a past due payment. The due date for each of the three cards are as follows : 1st-card ( 60-day Late-Payment Card ), 2nd-card dues  on the XXXX each month, and 3rd-card due on the XXXX each month. If I am able to pay the 2nd-card due on the XXXX on time, no past due notification was stated for the 1st-card on the XXXX, and also make a payment for the 3rd-card due by the XXXX, I am still within my 28 day grace period, there is a problem with their system. 

I was late once by one or two days last year and received a card declined notice when making purchasing, within the 60 day late payment, this card was not declined of flagged.
I was unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XX/XX/XXXXof 2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ). Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use.
The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.
I have XXXX XXXX accounts on my credit report : XXXX ( XXXX ) and XXXX ( XXXX ) with a 30 day late payment that was authorized by XXXX to be removed. XXXX and XXXX have already done so, yet transunion has yet to budge. I have attached the document from XXXX Also there is an inquiry on my credit report for XXXX, IA XXXX XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2016 I have disputed it and they tell me to contact XXXX which they stated that they have no information on such inquiry.
I received a call from Wells Fargo Student Loan Center stating i have a payment due and I told them that I never signed up with them. I asked how did they get my information and if anyone sold my loan to them and now they refuse to give me any information. They are stating that i have to give them all my personal information for them to research. I advised them that since i never signed up with them, they need to tell me how did they get my loan and who sold to them. They are refusing and threatening to credit report as my loan is now past due. I contacted the XXXX XXXX XXXX XXXX XXXX and don't see anywhere that Wells Fargo was my loan servicer. I feel something has been defrauded either my loan got sold without my knowledge or Wells Fargo got a hold of my information and abusing it.
I currently have a loan with Discover Student loans. My initial loan amount was issued at {$43000.00}. I have been actively paying my loan for the past 12+ years. My interest rate is currently at 9.75 %. To date I have paid a total of {$51000.00} ( {$4900.00} principal, {$46000.00} interest ) and the loan balance remains at {$39000.00}. I have requested a decrease in the interest rate on 5 separate occasions in the past year with no support from Discover Student Loans. They will not agree to a decrease in the interest rate but recommend a decreased payment ( which ultimately covers less than interest ).
I have received an incorrect XXXX for XXXX from Caliber Home Loans. The property was purchased on XXXX/XXXX/XXXX for {$56000.00}, paid on for 11 years and sold at a short sale for {$20000.00} on XXXX/XXXX/XXXX. I have authorized my partner to talk to Caliber in trying to resolve this issue to no avail. This has been going on since XXXX/XXXX/XXXX and here it is XXXX/XXXX/XXXX. We have called at least 3 times but have been given the run-around by employees and supervisors. We have talked to Customer Service and Short Sale Department, but no one was willing to listen and re-send a corrected XXXX. We asked Customer Service to send us an itemization of how they came up with the {$100000.00}. We finally received the information requested a month later and quickly discovered the error made by Caliber. The amount written off on XXXX/XXXX/XXXX was {$52000.00}, and it was also written off on XXXX/XXXX/XXXX in the amount of {$53000.00}. Then, the XXXX were added together to total {$100000.00} which is supposedly the amount of debt canceled by Caliber. When I explained this to Customer Service who then explained to her supervisor, the response was they did not write the loan off twice and that the $ XXXX was fees and actually hung up on me. This is totally bogus and should be corrected immediately so we can file our XXXX income tax return. I have attached a copy of this itemization and underlined the errors along with XXXX XXXX. 
I will not be able to testify at a hearing because I am the XXXX for my wife who was XXXX and would not be able to travel to XXXX, TX. 
I would like Caliber Home Loans to overnight a corrected XXXX for XXXX. 
I can not file XXXX income tax return until this is settled. I would like Caliber to over night the corrected XXXX.
tXXXX XXXX XXXX and eqifax the have the police report they are in violation of cra
I have had XXXX check payments set up on my Checking account for the amounts {$350.00}, {$180.00} and {$560.00}. These were payments to my condo association that have been in place for over a year. 

I closed my checking account recently. The local banker in XXXX, CA who closed my account and I ensured that all the check payments were in fact funded and had already debited to my account. The local banker closed the accounts and returned my balances to me. 

I was expecting these payments to reach the recipient by XX/XX/2016 after which a late fee could be assessed. Without any forewarning today XX/XX/2016 Chase stopped the payments of XXXX checks on frivolous grounds that the payee address is incorrect. The address on these payee accounts has n't changed in over a year. 

Chase has taken illegal possession of my funds. They are now holding on my funds even though my checking account is closed.
On XX/XX/XXXX I was notified that Equifax had been hacked I that my information has been compromised.
I have repeatedly asked for nuisance collection accounts on my credit report to be removed, but they are refusing to do so under some arbitrary policy. The accounts are worth {$12.00} and {$51.00} respectively. Both are insane amounts and should n't be used.
I am XXXX XXXX XXXX and have over 30 years of credit history however recently, data being sent from TransUnion to XXXX and XXXX is saying I do not have sufficient credit history which has caused a loan to be declined and another loan had to be entered into at a higher interest rate. 

I contacted TransUnion and they said I need to bring this to the attention of the financial institutions in question however I feel that TransUnion should take ownership of this because XXXX separate financial institutions are receiving the same incorrect data from TransUnion. 

I have attached a declination letter from XXXX and the XXXX site print screen as support.
XXXX XXXX XXXX XX/XX/XXXX email : XXXX Attention XXXX XXXX Weinstein & Riley PS XXXX XXXX XXXX, Suite XXXX, XXXX, WA XXXX Re : XXXX XXXX XXXX XXXX balance paid on XX/XX/XXXX still shown outstanding. 

Dear Ms. XXXX : I spoke to you on XX/XX/XXXX, over six months ago about the payment made through your firm for {$2900.00}, [ see enclosed return check in full and final settlement ]. I am the principal in this matter, and regardless of my legal representation, you owe me an absolute duty not to represent false information in court. 

It is your responsibility as a creditor to keep an accurate record of any balances due, including payments made, such as payment made on XX/XX/XXXX. You have 30 days from the receipt of the payment to update the Claims Register in the US Federal Bankruptcy Court in  XXXX for case XXXX. 

You are now over 180 days in default of this obligation. Please treat this as the final notice should you fail to update the Claims Register within the next 4 working days. 

Yours Sincerely, XXXX XXXX XXXX XXXX : Copies of phone call transcripts with you and your firm, return check & Claims Register. 

Cc ; XXXX XXXX attorney for XXXX XXXX, Federal Trade Commission Complaint
In correspondence dated  XXXX   XXXX ,  2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
In XX/XX/2016 i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my Experian report and found out that XXXX XXXX XXXX had put the account back on only my Experian credit report. It is not back on XXXX or XXXX I never received any letters from them or Experian letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute  letters to Experian and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.
Heartland ESCI took over a student loan that I have from the XXXX. The company requires a processing fee with every payment, regardless of whether you use your bank account or a credit card. The only way to avoid this fee is to mail a check ( but of course, then you still have to pay for a stamp ). I do not know whether this violates any particular consumer protection statute, but it really just seems unconscionable to me that even if I 'm using direct debit, which every other loan servicer I deal with takes without a fee, I 'm still charged for the privilege of repaying a loan.