WillisBack/dataset-financial-user-claim huggingface dataset:
So I'm in the same boat has many students that attending XXXX XXXX XXXX that defrauded and victimized students that went to the school and now closed. Along with navinet is where my issue starts so I'm in a program with the the DofE thats is going to get my federal loans discharged because of the XXXX XXXX fraud but I have no degree now and why am I still obilgated to pay navient priviate loans back when I have nothing to show for I am.going to get a lawyer for this I feel I should not have to pay anything back when I have no degree now that did not helpe.get my job navient predtory calls people into paying the money back but why am going to pay a company back money when navient is being investigated by the SEC and sued. Navient just reported late payment on my credit report and I feel that that is wrong when I have no degree so I will be disputing the late.payment on my report
I applied and was approved for the public service forgiveness loan ( PSFL ) program. FEDLOAN transferred my account from XXXX to their program. There was approximately 30 days between the transfer eliminating any functions to pay my loan. Once an online option was provided by FEDLOAN, it was over due. When I contacted FEDLOAN they advised that after an additional " review '', my payment option was not accepted by the PSFL program. This was not clearly explained or disclosed. They advised I was approved. Now they say I am not after the transfer my loan to their private company. 

FEDLOAN approved my application for PSLF and was allowed to have access to my account prior to their original review process. They did not provide an opportunity to pay my loan, causing a overdue debt ; and mislead their ability to operate the PSFL program. 

I wish to have my overdue debt removed and placed on the PSLF, as previously promised. 

Thank you.
In 2012 I was contacted by Bank of America & the IRS indicating that I was being held responsible for an uncollected debt. That debt about of {$2800.00} was sent to the IRS and as a discharged debt for account # XXXX at bank of America. The IRS took the discharged debt as income for the 2012 tax year. Since then, I have provided the IRS will all the documentation showing that debt was n't discharged, it was a checking account that was turned over to attorney 's and I was sued for the entire amount which was paid in full. I provided all the documentation showing the account number, the amount and the attorneys that I paid the debt off to. They even provided a letter a satisfaction when the debt was paid in full. I made several attempts to provide this letter to the IRS ; however, I was advised to handle the matter with bank of America so they can notify the IRS of the Error. I have made several attempts for bank of America to correct the situation however they are n't owning up to their inaccuracies.
I Paid a debt off with XXXX. XXXX other credit reporting agencies removed the debt, but trans union has not. I called XXXX and they said they have reported it paid, it is trans unions problem now.
I was just approved by Navient to consolidate my student loan through them. I have not made a payment as of yet. My first payment is XXXX XXXX. In my initial letter was not clear to me as to what I am originally suppose to pay monthly. I had to call and speak with a representative. They said a payment option letter will be sent to me and was never received. At the same time the representative still did not take the time out to explain the breakdown of my repayment. I was also advised that if i was the monthly payment was not feasible they can go by income to lower my payments. However, I was told by a representative I have to make 3 monthly payments first before they can lower the payments. I received nothing in writing about that option. Today I see online that the Federal government is suing Navient for over repayment and cheating borrowers out of their repayment rights. I do not want fall victim of paying more than what I should be paying and dishonesty in repayment. No one, such as myself, wants to be cheated on with money they give to a lender just to have their hard own money be thrown by the waste side.
I 'm showing this is a XXXX debt, but my XXXX account has been closed since I moved from XXXX back to XXXX in XXXX of 2015. I did not have any outstanding bills and if I did, I was never notified or sent any information regarding this.
XXXX : FICO score has decreased by 28 points XX/XX/XXXX THIS IS A FRAUDULENT SHELL ENTITY. The entity uses coercive and deceptive phone tactics, data theft, and false reporting to credit agencies. 

Account name RECEIVABLE COLLECTION SE Account number XXXX Recent balance {$120.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 

RECEIVABLE COLLECTION has flagged your account as Collections. 
XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX   Company XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$120.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, NY XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's  internal collection department Status Updated XX/XX/XXXX Balance {$120.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$120.00}
Every time a make a payment on my XXXX Nissan Ultima they charge me {$12.00}. I have asked them more than XXXX times if there anyway to avoid paying the fee, and is there another way to pay. I have even gone to the dealer I purchased the car at they tell me no as well. 

Here is the ask question I asked again yesterday on the phone and today in an email format : How do I avoid the {$12.00} extra finance charge not in the APR of my truth and lending? 

My name XXXX XXXX My account # is XXXX My car is a XXXX Nissan Ultima I did n't realize there was a CFPB. A mortgage loan officer told me about. If I had known the CFPB had existed before, I would have already filed this complaint as this has been going on for almost 4 years now. 

They force me to go to this XXXX XXXX site which is directed straight from Nissan. 
I believe this should have been disclosed as another finance fee and calculated in my APR when the original loan was disclosed. This is an extra {$150.00} a year extra I have been paying that is a true cost. 

Thanks for any help you can offer me.
I represent an employer. XXXX sent a fax to a general company number with the person 's name and Social Security number clearly stated and this statement : " This communication is from a debt collector. Any information obtained will be used for that purpose ''. 

This method of communication is compromising to the employee, as it could be compromising to the person 's position, in addition to exposing the name and social security number, which makes them vulnerable to fraud.
This is a debt from an XXXX XXXX XXXX Credit card that I was offered when I did not know anything about managing credit. I was young and was not educated on debt and how to effectively manage it. I was n't aware of a way to dispute this or make payment arrangements before the account was put into collections. If I was afforded the opportunity to resolve this correctly, I would not currently have this blemish on my credit report. I 've always been scared of the negative effects credit could have if you were not responsible. Now that I am XXXX, I understand finances and how to acquire and maintain great credit. I currently have a care note, and multiple credit cards with zero late payments and very low card utilization. I 'm currently asking for forgiveness of this debt, and that it be removed from my credit report due to missed communications between XXXX and I and how I do not have a history of negative credit card debt on my credit report
This company continues to viciously attack me with no proof of any debt that supposedly stem back from XXXX almost 7 years now. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. 

I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! 

All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! 

I need this resolved immediately!
I have private student loans with discover. There are a number of loans and I have been struggling to pay and get a lower payment. They charged off several of them on XX/XX/2019. They claimed that they called me but I never received the call and they did not leave message. They called on XX/XX/2019 and I spoke to them. I asked about reversing the charged off loans and was advised that they have a great reversal department. When I called that department after bringing the remaining loans current they advised that they would not reverse but would settle for 70 % of the amount owed but that I would have to make a down payment of over {$7000.00}, and that the loans would have to be paid off in 5 years instead of 10. I advised that that was quite obviously impossible to which they responded there were no other options. I am trying to pay the loans and work with them but they make it such that even with their so-called options it is still impossible to pay. So essentially the only option is to have mine and my father 's credit forever ruined. They are worse than loan sharks.
I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my  credit score . I filed a dispute with the credit bureaus with documentation, but it has gone no where.
There is a tax lien and a release of tax lien on my credit report. I informed TransUnion that was an error. I have never had a tax lien. They investigated and reported nothing different. The public record they showed had no name on it.
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
XXXX XXXX XXXX XXXX XXXX will not fix the problem on my credit report. All credit agency XXXX XXXX and Experian and XXXX will not fix problem. 
This was never suppose to be on my credit and have never provided the signed contract for service which they are trying to collect on??????? 
Only XXXX credit collection company XXXX followed the rules that XXXX sold debt too.
I deposited a company check on   XXXX   XXXX   XXXX     and was told they were holding  XXXX  dollars until   XXXX   XXXX   XXXX     I need that money to pay bills with ..Is that even legal? I bank with  Wells Fargo ..
I received a letter dated XXXX XXXX, 2016 from Genesis Credit Management in which they asserted that I owe a debt of {$1400.00} to XXXX XXXX XXXX. I sent them a letter dated XXXX XXXX, 2016 disputing this debt and asking for the name and address of the creditor and proof of my responsibility to the debt, along with requesting that the debt be reported as under dispute to credit reporting agencies, and also requesting that any further communications should be in writing and limited to either their failure to verify the debt or the information I requested. I sent the letter certified mail, return receipt requested, and I received proof of their receipt of my letter dated XXXX XXXX, 2016. To this date, I have not received any written communication at all, the disputed item remains on my credit report, and the company continues to call my wife and me on a weekly basis.
This company reported debt that belonged to a woman named XXXX XXXX in XXXX to my credit report for collections. It resulted in me being denied credit. Since I have lived in XXXX for almost 10 years and my credit report reflects that, they had to have known when they placed the debt on my credit report that it was not mine. Therefore, they are making illegal attempts to collect a debt that is not mine. Worse than that, they are XXXX of XXXX companies that is doing this to me.
I applied for a student loan with Sallie Mae and was denied. I am in  XXXX  school working on my  XXXX . However, I just co-signed a student loan for my son about  five  days was approved after I co-signed the loan. They then said my student loan which was eligible to be approved with a co-signer who was creditworthy. If I were not creditworthy then how could I be a co-signer on my son 's loan? This is just a scam to pull in more people to be responsible for a loan. They will then try to get both people to pay for the loan which will then get them double the amount being paid back.   This is unfair and discriminatory practices because then they said they do n't look at the FICO score which means that they are looking at my age, ethnicity as factors to determine if they will provide a loan.
I I have a Visa cc with WF for over XXXX years. I make payments before the due day to avoid late fee charges. In the XX/XX/XXXX statement I noticed a charge of {$37.00} for a late fee when the payment was received XXXX days prior to the due date. When I called I was given a credit back for the late fee but not for the payment because I was enter as an adjustment. I argued that the XX/XX/XXXX payment went in and why I needed to double pay for XX/XX/XXXX. The customer service representative continue to state I did not pay the account, which I did and before the due date. My grievance is they are not crediting the payment in the correct category so they can continue charging late fee for payment. It is fraudulent and misleading to the customer stating because they label the payment as an adjustment now the consumer must double pay in the next payment creating hardship for the customer and benefiting the XXXX. I would like someone to look into this practice and make individuals aware, I also want my account to be corrected. Thank you in advance for your assistance.
I defaultedt on my private student loans with and Navient in 2012. Since then I 've made payment arrangements with their collection agency XXXX and I 've made every payment on time since 2012 according to our agreement. The unfortunate part is as long as I owe them, my loans will stay in default. these defaulted loans will continue to impact my credit until I pay them off in full which negatively affects my buying power. XXXX has ruined my family life and navient has not helped me with any other options to better my situation. I still owe over 40k and I 'm told I will remain in default until the loans are paid in full. This is a lifetime punishment as I 've already been in default for 8 years. It 's ashame I had to default for the collection agency to work with me and give me a reasonable agreement because Navient would not.
I found out recently my loan was behind and I had a new Mortgage company Selene Finance ( They had acquired the loan from XXXX ) Last week of XXXX. I was informed loan payment had not been received in over 12 months I have proof this is wrong that at least 4 payments were made and the rest was an accounting error by my accountant. I called and spoke to XXXX XXXX told me amount behind was XXXX. They would not take a good faith payment from me as the loan was in foreclosure but would have a reinstatement quote ready for me by the XXXX at XXXX XXXX. I called at XXXX XXXX they did not have it I called back every day several time a day. ON the XX/XX/XXXX XXXX said they could not give me information, XXXX told me it would be another day I had to beg to get the amount owed I was seriously getting the run around till a lady ( an XXXX ) name XXXX was able to give the amount and where to send it to. By this time the amount past due was XXXX before the lawyer fees .The total now XXXX. I wire transfected this amount to XXXXXXXX XXXX the next day XXXX XXXX XXXX XXXX XXXX New York Acc XXXX. 
XXXX claims they do not have the money. The money left my account and went into account provided by Selene finance I called Thursday and Friday and they still could not locate it .I sent the copy of wire transfer to XXXX She is the ONLY person who has responded. Today the XXXX i received letters fro the title company that the loan was still behind and could be sold at any time.
A man left a voice recording on my sisters phone for me to contact them over an urgent matter. It was strange to me that anyone would even contact her as I do n't give her information out for any reason. After work I called them and a woman claiming to work for ARA ( Asset Recovery Associates ), tells me this was over a debt of {$490.00} for a payday loan she says I took out in XXXX? ( I do n't recall the exact year ). When I tell her I had no idea what she was talking about she said this matter has to be resolved within the next few hours or she would have to submit paperwork charging me with fraud. That terrified me as I have never been in trouble with the law so I again tell her I did n't know what she was talking about and she begins reciting my social to me, then my birthdate, then an address I have n't lived at in a little under 18 years. She tells me that I knowingly walked in to a business and gave fraudulent information in order to get this loan. I again told her I do n't know what she 's talking about then she says I have a voided check from a XXXX XXXX account, that 's where she lost me because I 've never had an account at XXXX. I explained to her that a few years ago I had my checkbook stolen by a family member but that had been cleared up but she did n't care. I was threatened with charges being filed and being arrested. I was so scared that I just decided to make arrangements with this woman. Right after, I called my ex husband and told him what happened and immediately he told me to cancel my bank cards that this was a scam. Apparently the same thing had just happened to his mother in the same week. So, I did just that and then did my own research and found the name of a lawyer that has dealt with them before. They gave me the same advice. They told me to cancel my cards, report them to the XXXX and on this website, and some other instructions. Apparently this company is notorious for this type of thing. I do n't want anything but to be left alone. These type of people make me sick.
XX/XX/XXXX- paid remaining balance owed on rent to the XXXX XXXX XXXX   in XXXX Tn through a collection agency affiliated credit. XXXX XXXX was the person I spoke to about the account and paid the balance in full after 3 payments totaling XXXX. 
XX/XX/XXXX- received a wage garnishment judgement that was issued on XX/XX/XXXX and prepared by The law offices of Jennifer McCoy , this is my first notice that an attempt was being made to collect this debt. 
XX/XX/XXXX- wages were deposited into my account minus the judgement of XXXX. I had no opportunity to dispute this because of no notification. On this day I called the law office of Jennifer McCoy and spoke to XXXX, a very rude individual who offered no help. I was told that they couldnt help me. I then called XXXX XXXX at affiliated credit who verified that he showed a XXXX balance and would forward it the Attorneys office. He didnt. I. I called the XXXX XXXX XXXX and they provided proof to the attorneys office.I also requested a copy of the account information be sent to me, he didnt. I have called the attorneys office several times, the apartment complex several times and got varied information but not a refund. I was told by the attorneys office I would receive a check, gave my address after reminding her that she didnt have it because I have never received any mail from her, call back the following week and Im told they dont have any funds for me, they didnt receive any and I would have to call the county clerks office, still havent heard back from the clerks office either. The apartment complex told me I would receive a wire transfer but they dont have my bank information or address either.
I have previously submitted a complaint about this company and this situation. The complaint number is # XXXX. I am re-issuing my complaint based on new information after further consultation with a Tax Accountant. I believe that Bank of America mis-reported interest paid which has resulted in a tax liability. 

As a result of Bank of America misreporting, the IRS has assessed that we owe money on our XX/XX/XXXX taxes. On further examination of IRS Forms XXXX that Bank of America prepared, I have ascertained that BOA misreported interest paid in 3 consecutive years, XX/XX/XXXX-XX/XX/XXXX, in the following amounts respectively : XXXX, XXXX, and XXXX. 
Additionally, they initially reported interest paid in XX/XX/XXXX, as {$0.00}. There is no mathematical way that we could have paid this much interest when our interest rate at the time was 6.25 % and later reduced to 4.5 % Subsequently, in XX/XX/XXXX they issued a XXXX that listed 'Refund of Overpaid Interest ' in the amount of {$76000.00}. Based on this amount, the IRS has assessed that we underreported income. We never received {$76000.00} from BOA, but believe that because they over-reported interest paid, they tried to reconcile this amount by listing it as overpaid interest. We received no benefit in real money or deductions based on their reporting. We have asked them to explain their accounting and reporting, and all they have done is sent us statements of account without explaining their reporting. I am convinced that they have intentionally or negligently misreported these amounts and are seeking to obfuscate to avoid liability. 

If this situation is in anyway related to refinancing through the HAMP program they likewise have not been able to explain how a program intended to help homeowners avoid foreclosure has created a liability. Their errors have caused us both financial hardship and distress.
In XXXX 2016, my computer crashed and deleted all my business ' financial data for the previous year. I asked my bank BBT to provide me with my banking history in electronic format for that period. However, they have stated that they can not provide me with the historical data prior to XXXX 2016 when BBT purchased XXXX XXXX bank. The data *MUST* be somewhere accessible electronically, but they will not provide me with the information to access my financial history.
Citi bank offers XXXX transfers to other bank account holders without any type of protection. I made a transfer to a person by the name of XXXX XXXX who has a XXXX account. This person is charging multiple people for the same tickets never providing them with the tickets. I immidiatetly contacted Citi bank but was shut down within seconds satating they are not held liable for XXXX transfers. It baffles me how a bank could offer a transfer service and then state to their customers there is no protection against fraud. The persons email conducting the fraud is XXXX.