WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, my name is XXXX XXXX and I want to file a complaint concerning the day I was bullied by my " loan servicer '' & company on XXXX/XXXX/XXXX. On this day, a few days after I was asked what I would do if my family 's wages got garnished because of my inability to pay them, I told them that I could only pay them {$70.00} and that I was willing to pay that amount to them per month. Navient said that {$70.00} was n't an option and that I would either have to set up a monthly payment amount of {$130.00} from that day forward or pay {$200.00} to keep my loan out of pre-default. I pleaded to them that I was only interested in choosing a payment amount that I could maintain monthly, and not revert within months. ( Years earlier I was goaded into aceepting a payment plan with an outrageously large price point in regards to my income ). They said this was the best they could do for me. When I told them that I was only able pay {$70.00} they told me no because it would n't be enough to match their price point and hung up on me. I actually had to call THEM back just to pay them. 

My aunt, who consigned this loan, told me to mail it in to them but I was afraid that it would n't make it to them in time ( because they only count payments on the day it went through, not when it 's dated ), and that they would move my loan to pre-default status. So I called my aunt to explain the current situation with Navient. After the call, she sent me the following text : " XXXX '' This took an XXXX on me, forcing me to pull money from my other responsibilities to keep the loan out of " pre-default. '' So I called back and paid the extra {$130.00} with money that I had designated for other bills. This brought the final total to {$200.00} when I actually only had {$70.00}. To this date, we have not resolved this issue. I have had several other experiences with Navient that are similar to this one throughout my business with them, dating back to XXXX.
I got a loan in 2008 and I am still paying. I will never get this paid off. It was financed for 7 years and at the end of that I was told I still owed money. I have been paying on this car for 9 years!!!
Experian has bee reporting false account information against my FCRA 15 USC 1681 rights. I have disputed multiple times and even mailed in documents and they still have refused to remove and delete this information. 

I had a mortgage that was with XXXX XXXX. XXXX XXXX sold the loan to XXXX   XXXX and both are the same loan account reporting. My last payment to XXXX was XX/XX/XXXX and according to 605 15 USC 1681 ( a ) ( 4 ) any account older than 7 years should be removed. On XX/XX/XXXX Experian erased the pay history payment information to allow the account to remain on my account. Experian also erased the Credit Limit amount and other key account details in order to keep XXXX on my account also. 

Experian also changed information on the XXXX XXXX account around with out deleting the account due to FCRA violations. When I asked them to investigate and remove this account Experian also changed the payment dates and amounts around in order to let the account remain. 

The XXXX XXXX and XXXX XXXX account have violated many rules according to the FCRA these are reporting incomplete and inaccurate in many ways and should be deleted immediately. 

FCRA VIolations 606 15 USC 1681 ( a ) ( 4 ) 606 15 USC 1681 ( c ) 606 15 USC 1681 ( e ) 606 15 USC 1681 ( d ) 611 15 USC 1681 ( i )
Originally some one used my credit card in XXXX. I never was getting any bills. In XXXX i took out a loan, the bank never notified me that there is an outstanding balance, because I would have questioned it and disputed. In XXXX i got a letter of bank collection. That is when i started to question. I spoke on the phone with the bank and cancel my card. I spoke with another representative to file dispute claim. Not once did the rep mentioned that it was too late to file it. In XXXX i get letter stating it was too late to dispute and i am liable for all charges including late. I filed complaint on cfpd website. Afterwards i got a call from XXXX XXXX from first Niagara bank and after his investigation i was told that the balance will be dissolved but he can not fix the credit report. Recently i received a collection letter regards this matter and my daughter called XXXX XXXX but he just ignored us. Please help with this matter. Thank you very much.
I informed Experian that I want to court regarding the XXXX. XXXX account being purchased by XXXX XXXX.and their Attorneys dismissed the case without prejudice because there was no evidence of validation nor verification. They still have the account as a negative on my credit report.
Capital one credit card company is assuming they can charge me a annual fee. This fee is being charged after I already closed the account. I also have paid the complete balance + interest in full. Capital one states I didnt close the account soon enough. Although while I was in the process of closing this account. While on the phone with Capital one customer service team. It was explained to me at that time, that the annual fee would be dropped. And there would no longer be any type of balance on the account. Furthermore there would be no other payment expected or fees I would be financially responsible for moving forward. Again I made the full payment over the phone of {$43.00}, which was the full balance owed at that time. Again It was explained to me after contacting them on 2 separate occasions. That the annual fee was already removed. And to ignore the statements i had received in the mail. And please not to worry it was all taken care of. Again customer service said I no longer had an outstanding balance on the account. After which still receiving bills in the mail. As well as making several phone calls later explaining this to them. They now refuse to drop these charges and mounting late fees. I do not feel I should be responsible for a service. A service I fully explained to them I no longer wanted. And was closing at that time. And again told over the phone by their customer service agents 2 x. That there was no longer a balance on the account. I was a good standing customer with Capital one credit card for 11 years. I simply asked them - Why if this membership fee was explained to me, and I was aware of the terms as they now claim. Why then would i choose to to wait so long to close the account. Especially if I knew i had to pay the annual membership fee? Why would i have not just left the account open. And furthermore used the services i paid the membership fee for? Their customer service did not direct or provide me with the proper information. Furthermore i was never sent anything in the mail from them explaining such. I refuse to make payment for a service I cancelled on good terms to my understanding. And or pay on late fees for money i did not or do not rightfully owe
XXXX XXXX did not handle my automatic payment known as Direct Debts as described. XXXX XXXX also gave me misinformation about the loan payoff. 

I signed up for a direct debt to automatically pay on the XXXX of every month, but that it never posted on that day. Instead it would post 2-14 days later. The delay in payment meant more interested would grow within those days. 

Additionally when I went to make my final payment and requested for a loan payoff amount, XXXX   XXXX gave me the wrong amount. It gave me a calculated pay off at {$990.00}, but as per a costumer service representative, it was {$1.00} under the " actual amount ''. The website has a loan payoff calculator in which you provide a date and they calculate the payoff for that date. Whenever you use it, it is wrong. When I spoke to the customer service representative about this, she said me that this happens frequently and people end up having a balance even though it shows that the account balance is at {$0.00}. This happened to me twice with two different loans. The first time I paid a random amount extra, any extra funds over the " actual payment of payoff '' was not refunded to me, nor was it applied to another loan. The second time I called in and they customer service representative gave me an amount. For some reason she can see if in get system, but the online user accessible system did not have that amount. 

Both these practices are misleading and make the student loaner pay more.
I have worked on fixing correcting my credit which is depending on agency XXXX about. I filed for a Best Buy credit card notice sent for denial was because they could not confirm it was me, so I mailed a copy of my bill with my address and name on house bill house by the way I own outright. 2 letters sent asking what is going on one call, but never got a response which stinks to have what I believe is good credit and denied for not any known reason. I wrote them and scanned my home bill in my name only and its been over a month since this happened, but they never respond at all. I did check XXXX believe it was they sent me a report but could find no issue that in my opinion would of created this or an issue or if not given credit a reason other than then they can not confirm I am who I said I am. If issue, thought they would of asked or called me or responds a least to my inquiry so I know what the reason was verse having NO IDEA why they denied me credit. I am unsure of anything other than use or nicked my credit score a few points to apply and would of a least expect a professional response vs nothing, evidentially writing to them and asking them will not get them to respond or ask question if there was or is one.
I opened an account with Chase. The website generated a form with the routing and account number. I entered these numbers into my employer 's online form to set up direct deposit. I never got my paycheck. I called Chase twice and was told the routing number was wrong. The routing number I was given when I opened the account was XXXX. This is a Chase routing number, but the people on the phone said I should have used a different routing number than the one generated on the form. They also said my employer put my name as an asterisk on the direct deposit form. When I called today, they said they would not give me my paycheck because the routing number was wrong.
I found a Venmo payment from bank account. I never used the app or approved the transfer but someone used my bank account number and transfered the money out. 
I heard from bank it takes the check account and routing number which are very visible on the checks. I had to close the account.
I have been paying additional amounts on my monthly payments in order to reduce the principal. I have just found from dealing with the company that additional amounts I have been paying since XX/XX/2012 have not been applied to principal. Instead the company have been holding the funds for future payments in a " paid ahead '' status. 

Basically holding my money and indefinitely pushing it forward in time to future payments instead of applying it to principal. This is a problem because I am paying the money now to reduce the principal on which I am paying interest. But they are not applying it to the principal, so they have my money, have not reduced my principal and are still changing me interest on the full amount. 

I had NO IDEA this was happening. I have been paying a lot more each month to reduce principal and apparently they have just been holding my funds. 

As of today, after speaking with a rep, they said they have taken off the " paid ahead '' status on my account. :
In XXXX 2011 while visiting a relative in Wisconsin, the relative took me to XXXX for the purpose of buying a swimsuit which I did. Due to departure date, this item was not used and relative agreed to return this item for me which she did. Billing statements were NEVER RECEIVED!!! CREDIT BUREAUS SHOW THAT XXXX REPORTED XXXX ( XXXX ) LATE PAYMENTS IN 2011.
Tried to get my credit score by registering on credit karma and it keeps saying my personal information does n't match the bureau of records.
Since XXXX XXXX XXXX has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with XXXX to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to Bleeker and Brody & Andrews in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to Bleeker and Brodey & Andrews notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to Bleeker and Brodey & Andrews disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.
Received notice of a cyber-security breach from Equifax. I following a step-by-step instructional to see if I was a potential victim of the security breach and the result returned a true response.
I had tried to secure a mortgage loan from southern Fidelity Mortgage. I found a house that I liked and we proceeded with the loan approval process. I told them that my credit was n't very good and I told them I had collections. She told me they would either just deny the loan or ask me to pay the collections. Well later they told me the loan was approved but that I needed to pay off the collections. Well I told her I would have a tough time raising the down payment money and closing cost if they needed that paid off. Well they told me that if I backed out now I would lose my earnest money because the loan was approved. Not the original loan but the one they came up with all these conditions.
I 've tried disputing a couple of fraudulent accounts on my credit report, an d the Bure  au has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too m uch time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.
This debt was not mine as this is a business account and I am only an employee. The company has been notified by my employer as well as XXXX however they continue to report. This account was a commercial account, I was just a contact person not the responsible party. This company has reported this as a residential account despite being updated from XXXX. Numerous faxes, phone calls, and letters have been written. They have only updated the account to thw bureaus stating that this has been paid however this is not my account and must be deleted as they are reporti g it fraudulently. They are well aware. They have been explained the urgency however they refuse to remove and continue to hang up calls, my escrow has been delayed and may even be cancelled XXXX to the derogatory report.
My mortgage loan was purchased as part of a package by Ditech Financial LLC. 
Every month since the purchase of my loan by Ditech I have made my payments online with extra money added to be applied directly to principle. I do not have any outstanding fees or charges on my loan and my loan is and has been UP TO DATE since it 's inception in 2004. Ditech continually pays my loan forward to ongoing months and DOES NOT APPLY the extra funds to principle as intended. I have called every month since I started to make payments to have these payment reapplied. 
I believe that my mortgage account is being grossly mishandled by Ditech and feel that I have not had the proper amount of principle applied. I just got off the phone with Ditech and once again have requested that my monthly mortgage payment plus extra be applied correctly. I have not been assured that the proper amounts I have been paying extra has been applied correctly and the interest billed is incorrect.
I am a victim of Identity Theft. I contacted the FTC and they were very helpful in providing information as to how to help victims of ID Theft. I sent by certified mail to all  XXXX  bureaus all of the requisite information ID theft Affidavit, police report, etc ....  XXXX  and  XXXX  respoded professionally and promptly removed the fraudulent information. However, Equifax moved very slowly but finally sent me notification that the item had been removed. This was sent  XXXX   XXXX ,  2017 . I mailed off the information to them  XXXX   XXXX ,    2017  by certified mail. I checked my credit report on  XXXX   XXXX ,  2017  and the  itm  is STILL SHOWING. I called and was treated very rudely and put on hold for what totalled about an hour and I was told a bunch of lies. I can not believe the lies and deceptions. They stated that they would remove it within  48  hours of  XXXX   XXXX ,  2017 . The item is SILL showing and all the reps are rude and obnoxious. They in clear violation of FCRA laws are still reporting the fraudulent account on my credit profile. Please Help as they are adding salt to my wounds.
To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX. With a balance of XXXX I also request a copy of the application to open this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,
This complaint is regarding the Equifax Data Breach that occurred between XX/XX/XXXXandXX/XX/XXXX and was reported in XX/XX/XXXX. This gross incompetence and lack of care for the privacy and security customers ' personal information has directly impacted me and family members, as we 've been informed by Equifax that our information has been stolen in the data breach. Further, the fact that even getting the information and protection that Equifax offers as recompense for their incompetence REQUIRES me to waive my right to join a class action against them is the most evil possible thing Equifax could have done.
I attempted to pay off one of my larger loans but the payment was dispersed among all of my loans instead of the specific loan I was attempting to pay off. after multiple calls I was able to speak with a manager to fix the issue. When Navient attempted to fix the issue I was charged interest on my original unpaid full amount while they corrected the issue, even though if they applied the payment correctly, there should have been no interest as the load was paid off. The interest amount during the correction time ( roughly 1 week ) was not a lot but I still found it unfair. Near the time of submitting the payment, Navinet compounded the interest ( or add it to ) the overall amount that I borrowed, essentially charging me interest on top of interest. A few years later while on Income Based Repayment ( IBR ), I was not notified my end date was approaching and it was not until the cost of my loans skyrocketed before I realized I was no longer on Income Based Repayment. I quickly reapplied but it took about 2 months for them to update my account to IBR.
I have been making my monthly payments and the beginning of this year the payment has almost doubled. I have other loans and tried explaining that to Navient. I am a single mother of a XXXX year old so well im at work I pay for him to be at daycare not including bills which I explained to the Representive at Navient. The man took all my info and said yes your in the negative with your income and bills if I have to pay what they were asking. He said there was nothing he could do but would transfer me that it was out of his hands. I was transferred and the person did the same thing she took my info and this time asked to speak to my co signer. Well my co signer is now unemployed and my income has not changed yet there was nothing they could do for me. I do n't want to default I just want something reasonable. I understand I have to pay back. When I got these loans I was told that they would work with me. I did n't even get a job with what I went to school for I am just asking for them to be lowered. Navient does not work with you or try and understand. I am a person who is willing to make payments and not default yet they can not accommodate or be reasonable.
I transferred $ XXXX into a online bank called BBVA Compass, because they promised me a rate of 1.10 %, after three months they knocked down my interest rate to .4 %, which I feel like was a scam to get my money into their account. So I called to transfer my money out and close my account. They told me I can not wire that much out of my account at one shot, the most I can transfer out is $ XXXX at a time and they charge a fee each time. They said I can go to a branch to get a bank check but they have no branches in NJ. They had no problem accepting my $ XXXX in one shot but now have a problem with me transferring it out. This bank sounds like a scam and I am very scared, Please help!!!