WillisBack/dataset-financial-user-claim huggingface dataset:
Ever since I have had Navient, I have not been able to make payments successfully. When I first started paying them back, Navient 's website led me to believe that payments had not been processed ( upon logging in after submitting a payment, it would say payment overdue ) and I ended up triple paying one month 's worth of payments. Between having the " automatic debit '', the online confusion and the sheer absurd amount of time it took for them to process the payment, I ended up paying the same bill three times. Since then, I have repeatedly continued with forbearance and the last time I tried to submit a payment, I got the confirmation email about three days after I submitted the payment on their website, but the money was never withdrawn from my account. That 's another problem I 've had with them - I 've had to give them my checking and routing numbers at least 7 different time. Every time it was repeated back to me correctly, yet they kept saying it was my bank 's fault. When I called XXXX XXXX, they said they had no record of Navient even trying to get a payment. Also, those lucky few payments that did go through took at least ten days to post to my bank account as well as Navient 's joke of a website. This is by far the worst company I have ever had to deal with. There is absolutely NO reason a payment should take that long to be withdrawn from my account and their website should immediately reflect at least the attempt to make a payment by saying something like, I do n't know, payment pending?!?! Please help me get away from this nightmare.
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX  I have mail several documents requesting validation of XXXX XXXX   requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report. 

Im planning to apply for a VA mortgage loan, and XXXX XXXX account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX
Fax sent today to the Wells Fargo agent : We are extremely confused, concerned and bewildered with the status of our account. We started working with you last XXXX. We have never been informed of anything other than that the account would be reviewed and that the purpose of the review would be to add the arrears to the loan and resume payments. We were even asked by the underwriter if it would help to have some reduction in the payments. Over the course of nearly six months we have complied promptly with every request for information and documentation but at every step we were met with confusion and conflicting information. Frustration abounded when we were told 2-3 times that the emailed or faxed information could not be properly read ( allegedly cutting off the documents ). This was patently untrue. I personally went twice to the local Wells Fargo branch to have them scan and email the requested materials. Within hours I went to a different bank, had them scanned and emailed to both of us. Once again I was told that they were not properly received yet they came perfectly to my email which clearly indicated that the issue was on your end and that the materials were being properly sent. We recently received a checklist of numerous pages of the documents that we had provided. Your document showed over 50 documents that we have submitted, all on a timely basismost within hours or days. It also listed a request for four other documents that we had provided at least three times previously! It asked that these be submitted by next week, however you then called and said that it was not necessary. 
During this process I was never advised that I should be making paymentsit was always that the payments would be incorporated into the loan and therefore we continued putting our money into the home improvements. Our world was shaken when, last week, I received a phone call that said that the refinance was going to be denieda call that came before the date of a letter stating that the file was open and that more documents were requested. The alleged denial was due to a lack of sufficient income. Reference was made to the loan exceeding 40 % of income which is impossible! Attached you will see that the loan is less than 33 % of income. I was told that I could see how this was determined but never told how. I have yet to be able to access this calculation and frankly, there is no doubt in my mind that this is incorrect and that for some reason we are being screwed.
Mr. Cooper, formerly dba Nationstar Mortgage makes it almost impossible to submit additional principal payments on my home loan. First, I tried to make principal payments on their web page, but there were only places to pay the full interest-escrow, and principal. On XX/XX/XXXX I sent them a check for {$1500.00} marked PRINCIPAL ONLY along with the account number in the memo section. In addition to this, I sent a letter specifying the purpose of this payment, as well as the Mr. Cooper coupon that specifies additional principal that comes with each payment notice. However, once the check was cashed, I saw that it had been broken down into interest and escrow payments, with only a tiny portion allotted for principal. I must have spoken to three or four different people to try to get it straightened out, but I did get a promise that this would never happen again. 
On XX/XX/XXXX, I got the courage to make another principal only payment, this time for {$4000.00}. I also made a pdf of the check and the payment coupon. On XX/XX/XXXX, I received notification that it had been received, so I went to the website to find, once again, it had been broken down into smaller payments- each covering interest, escrow, and the smallest portions principal. As before, I called to complain, and was informed that it would probably show up as corrected in a few days. I emailed a copy of the pdf to a XXXX XXXX who later emailed me back that I should have received a call. Someone named XXXX had called me with instructions to call her back. She wasnt there when I did call, but someone named XXXX. XXXX took the call and gave me her information so that I could check back with her next week. As of this morning, the account has new adjustments on two of the previously listed deposits of {$1300.00} and {$1300.00} to principal only, but that still leaves me {$1300.00} short on principal-only payments. ( Also, at this time, my regular automatic monthly payment of {$1300.00} posted on XX/XX/XXXX. ) I am weary with this company that sends its own specified deposit coupons and then does not honor them. I have worked with at least four other mortgage companies in my life, but I have never felt so insecure as I am now with this one. Mr. Cooper bought my loan from XXXX ; that is the ONLY way that they would have gotten my business. I wish I could just switch to another company ; but at this point, I would never get the same interest rate and it would cost me several thousands of dollars to set up. 
If Mr. Cooper is doing this to me, this company is probably doing the same to some innocent people who do not know how to check the data online. I would like some permanent solutions.
Freedom Mortgage charges me {$160.00}. to make payment, and {$30.00} for each question i have. 
I believe it wrong, they need to stop it.
On XXXX XXXX, XXXX, I was returning to work when my car just shut down with no warning. I called roadside assistance and had the vehicle towed to XXXX in XXXX, XXXX XXXX The next day they called and towed me my motor was gone in my car. I could not believe what they were saying. I asked how. The lady replied, " A rod was blown. '' Immediately upon this diagnosis, I had the car towed to XXXX XXXX XXXX, XXXX XXXX They told me the motor was gone as well. My service advisor said the engine filter was wet. I was informed I caused the damage and my motor will not be covered under the XXXX mile powertrain warranty. I purchased this car as XXXX from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX miles already on the car. Now XXXX XXXX says I owe that balance regardless of what is going on. They even told me if they repossessed the car and resold it they will NOT close the account on my credit report and will report it late for the term of the contract.
Experian is telling me that their policy requires consumers to get letters from creditors to remove dispute remarks from their credit report. This process leaves consumers completely at the mercy of creditors. In my experience out of XXXX creditors, none of them have been able to provide documentation to help me get these remarks removed. Mind you, I have PAID these accounts off. They are at a zero balance. Due to this issue with Experian, my mortgage loan approval was halted. My lender tried to use their XXXX XXXX program to help get these dispute remarks removed, but they were told of Experian 's policy. I spoke to several representatives at Experian and even a supervisor indicated they had no authority to remove these remarks without documentation from the creditors. The responses from the creditors varied wildly from " We do n't have access to your account any longer '' to " We do n't send letters ''. I had one assurance that I something would be submitted to Experian within 24-48 hours, but somehow I do n't believe that. This is causing me to fall into a mortgage category with a higher interest rate with a mortgage payment costing approximately {$360.00} more per month. There is no resolution and this seems like an endless loop of phone calls and dead ends.
I installed  a SPAM blocker due to this company. They get past the blocked number and leave a message every time. Short message, This is from a debt collector please call this number. I call the number they say I do not have an account. They say my number is not in their system and they will notify the correct department to stop the calls. I have called them at least 10 times to stop the calls. I have a recording of one of the ca lls.   They identify themselves as AFNI collections, caller ID " Debt Collector ''. I think they are selling my number because after i called them i received more calls from others.   Do not answer or return their call!
While I was attending school at XXXX College I took out a private student loan. I graduated in XX/XX/XXXX and 6 months later Discover bank contacted me and stated I owed {$800.00} for my monthly student loan payments. I explained to Discover that I was not making enough money to pay that and asked about a payment plan being worked out. Discover Bank turned me down multiple times stating that they do not do payment plans. Finally my mother XXXX XXXX ( co-signer ) and myself got a lawyer XXXX XXXX of XXXX, NY to help with Discover Bank. On XX/XX/XXXX myself and my mother XXXX XXXX signed a payment agreement contract with Discover Bank lawyer XXXX XXXX of XXXX XXXX XXXX stating that in 10 years I will have paid the loan off of {$74000.00}. Since then I have been making the agreed payments every month however Discover Bank is reporting it to the credit bureau that the loan was " In Collections/Charge-off '' and it's " charged off as bad debt Dispute resolved ; reported by grantor 's ''. I have disputed this with XXXX  by sending them my payment history of my mothers bank account where it shows no payments have been missed because the checks are being cashed. XXXX then passed it on to Discover Bank and Discover stated after there investigation that they are reporting it correctly and it will not come off my credit report until it's paid in full. This was not an issue until recently, from XX/XX/XXXX to XX/XX/XXXX they were reporting it as making agreed payments now all of sudden Discover Bank is reporting it as stated above. This is a very serious issue because I am trying to buy a house for my family and because Discover Bank is reporting incorrectly they will not approve for a mortgage.
A debt collector called me 4 times in a row and continued to hassle and threaten me. Demeaning my own dignity and respect, using condescending language and tone.
Chapter XXXX Bankruptcy closed XXXX/XXXX/08 still reporting on XXXX and TransUnion
An account with " Speedy Cash '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.
The current investor trustee XXXX XXXX XXXX XXXX XXXX holds a note that was fradulently fabricated and is not the orginal which I have in my possession and which contains no endorsments cause it was never endorsed. Also attached is the promissory note with no endorsment faxed by prior servicer months before the one with an endorsment and lacking any date or nortirization lacks the proof as the orginal and that it wasn't actually endorsed in XX/XX/2016 well after XXXX no longer exsisted. The current servicer after being informed still has done nothing to reslove this matter. They don't have in there possession the orginal promissory note either or even the right to service the loan. XXXX never assigned or I never recieve notice that they transfered servicing and if they did who it actually was. Attached also is a service transfer estimates that actually states rXXXX XXXX XXXX XXXX as the trustee for this loan and not XXXX They are harassing me with a debt they have no right to collect on as they where never properly sold or transferred servicing rights and are not the note holder and not entilted to recieve payments. They have no license to do business in Hawaii and don't hold a local point of contact required by state law. They continue to send me statements and raising The attached disclosure about XXXX states they are not the lender and only a mortgagee in a noominee capacity and then being so doesn't effect my obligation to lender under promissory note. XXXX even though they made an assignment of mortgage never possessed or was given the promissory note threw endorsment and therefore can't assign a mortgage they don't have possession of the note it states they are assigning. Further they where to act on soley as nominee for lender which didn't exsist at the time of the assignment and XXXX XXXX wasn't the note holder at that time either and never provided proper notification that they where ever sold or transferred rights to service the loan. Also the assignment of mortgage is on a two page document with no page numbers and one page contains the assignment and the other the notirization. The two pages have no signs that they even where fabricated at the same time and could have easily been done seperatly and with no knowledge to the parties on the document. The second page also contains hand written in attached assignment of mortgage borrower XXXX XXXX XXXX and has no intials by notary that are required per state law when something is changed on a notirized document.
On XXXX XXXX i sent XXXX report on debt collection from AB Recvy Services. I sent them a copy of the fake lease agreement the company sent. It did n't have no initials, no names, and no signatures. Some of information were incorrect where you can see on the paperwork. Photocopied signature of mines that they copied from some where and paste. No original anything. 

Collection : Absolute Recovery Services Balance : {$2800.00}
EXPERIAN continues to report " hard '' inquiries into my credit file by XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. As all of these were to have been done as " soft '' inquiries, I simply want EXPERIAN to delete all of them ASAP as I have repeatedly requested and as required by law.
On XXXX XXXX, 2017 my loan closing for my home loan with XXXX XXXX XXXX was held. Prior to this closing, the Securitas Mortgage, Mortgage Broker representative XXXX XXXX ( NMLS # XXXX ) had informed me that the funds I should receive back after the closing ( from previous escrow as well as any additional funds ) would total {$1200.00}. During the closing the Notary ( XXXX XXXX with XXXX XXXX, XXXX ; XXXX ) mentioned that the cash amount to be received back to me was listed on her paperwork as {$500.00}. When I mentioned that this was not the amount discussed with me by XXXX XXXX prior to the closing, I then paused the closing to give him a call and after some checking while on the phone he then determined that {$700.00} had inadvertently been left out during the processing of my paperwork. At this point he then confirmed this to the Notary, XXXX XXXX, over the phone during the closing. XXXX XXXX then said that if we would continue with the closing he would send me a check for the amount left out in error - {$700.00} - within the next day or so. Although I did receive the {$500.00} amount first mentioned by XXXX XXXX within a few days, I did not receive the remaining {$700.00} the Securitas Mortgage Broker assured me that I would receive if I proceeded with the closing. During the next week the promised check did not arrive from XXXX as promised, nor in a wire transfer to my bank account, which was also promised on numerous occasions. The Securitas Mortgage Broker representative even promised twice to drive a check to the nearest XXXX XXXX XXXX and deposit the check directly into my account on at least two occasions. It has now been 40 days since my closing and I still have not received the remainder of the funds I am due. I have at least several dozen emails from Securitas Mortgage relating to this issue and promising to resolve this situation, and nothing is being done. A few days ago I then sent an email to the Securitas Mortgage President and also sent an email and left several voicemails with XXXX XXXX, Mortgage Consultant ( NMLS # XXXX ) who processed the loan, and have received no response from either of these Securitas Mortgage representatives regarding my situation. Once again, I have numerous emails from Securitas Mortgage acknowledging responsibility for this amount owed of {$700.00} and promising payment, and the XXXX XXXX XXXX notary XXXX XXXX also remembers payment of this amount being promised by phone during the closing, however nothing is being done and I am not receiving call backs when I leave messages.
Our mortgage is through Bank of America. We had a leak in our home that resulted in an insurance claim. Because the amount to fix the damage of our house exceeds 20K, we need Bank of America 's endorsement on the check. After overnighting the check to be processed over a month ago and several calls (XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) we are still stuck in their process.

XXXX should examine Bank of America 's lack of service and accountability in this situation. BOA eagerly takes our business and originates the mortgage loan but does not have the support staff in place to assist their clients when something like this happens. This results in us, their borrower, stuck in limbo without money to start work on repairing our home. It also translates to my family, with three young children, unnecessarily out of our home and in a hotel for an extra amount of time until BOA moves forward issuing a check. 

After not hearing anything, I called on XX/XX/XXXX to see where they were in the process. I was told that our contractor 's XXXX was filled out incorrectly and needed to be resubmitted. When I asked if they would have called me and told me this, they said no. They do not make out going calls. There is no follow through on their end to let the consumer know that the XXXX needs to be resubmitted. I asked to email over the corrected XXXX and they said fax or snail mail are the only ways to submit it. I called back again to ensure that the new one was correct and they still only had the incorrect one. I refaxed the correct XXXX 3 times and after following up repeatedly to make sure they had it, I was told on XX/XX/XXXX to just email it. 

They have confirmed that it is now moving forward at an " escalated '' pace ( at least 48hr to  approve the check still and another 48hrs to print the check before it will be mailed. ) I expect so much more of Bank of America and hope that you can assist in having this process changed as it has been awful for me and my family.
Account Resolution Services ( ARS ), used communication tactics in the beginning by blocking my number, blocking me from online access to a debt that I tried to research, when asked of them to verify my debt. Also they tried to get me to identify myself over the phone without giving me the opportunity of verifying their company. I wrote them a DEBT VALIDATION LETTER, and they did not validate my debt through the original debtor and mailing me that information so they violated Section 809 Validation of Debts [ 15 USC 1692g ] Chain letter by dates are attached with mailed signed receipts.
I have a mortgage since XX/XX/2010 with XXXX then Wellsfargo and XXXX   do not have it.. But XXXX and XXXX have it .... I call Wellsfargo and they said they send the report every mouth.. I call XXXX and they said I have to call Wellsfargo.. Im getting the run around from both ... Can you help
Somebody deposited a check made out to my company name into their account. I use Capital One and the check was deposited to a different Capital One account. I have the copy, front and back of the deposited check, which shows signature and account number of the person account where it was deposited. The bank that the check was made from is XXXX XXXX. They tell me Capital One is responsible for verifying check before depositing. This happened back in XX/XX/2018, I found out XX/XX/2018 and brought it to Capital One 's attention via email with copy/proof of the deposited check by email. I have asked for updates by phone and by email, and have not received so much as a case number or confirmation number to follow up on. I do have all the emails showing I've tried, and their general response, that it has been escalated, but more than 6 months later, is completely unacceptable.
Every time a inquiry is made I 'm told this will not hurt my credit that is a lie the inquires are out of control you make one and a whole bunch are inquiring I submitted a complaint and it was not addressed o far I have made XXXX inquires for info just look at the record
This debt is not mine all credit card debt was settled in divorce decree. I 've spoke with the original debtor XXXX bank and presented them with court documents. This account originally closed in XXXX by XXXX bank. The account was then sold to midland credit management. After many attempts to get them to acknowledge the court documents and after XXXX bank sent letter saying they closed and sold account XXXX but account was officially closed and placed in XXXX banks internal collection. After 2 years XXXX bank then sells off debt. After speaking with XXXX bank I received both written and email correspondence saying they accept divorce documents that exwife responsible legally for all credit card debt. I have spoken with midland credit management and they refuse to acknowledge court documents. I have resided in state of Washington since XXXX per Washington state law r.c.w. 19.86.020 consumer protection act I supplied the proper paperwork to original debtor and they 've accepted and closed account but since it was sold in XXXX they can only forward their letter to company which now owns the account. I would like midland credit management to close this account and remove it from credit report or face legal litigation here in state of Washington for violations of R.C.W. State law 19.80.020