WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted to get an income based payment plan for my private student loan with Navient. I want to pay but I can not afford to pay $ XXXX+ each month. I was on the program before but when a year went by, I was told I could no longer be on that program because it was for one year only. I had a hard time making my XX/XX/XXXX/XX/XX/XXXX payment. I called in on XX/XX/2019 trying to see what options I had. I was told that because I could not make a payment in XX/XX/XXXX, to call back on XX/XX/XXXX and they could see what we could do. Navient has been calling both me and my parents 6-7 times per day harassing us because the payment has not been made. I called in again and spoke to another individual. I told him to stop calling us because it was harassment. He then fired back that, " We can call you as many times as we want. '' When I asked him to at least stop calling my parents, he said, " We can call who we want as many times as we want. '' This is just pathetic. When I have issues with my Federal Loans, they take the time to help me and figure out what to do next. Navient as a company is a BULLY. I don't appreciate being harassed and I want it to stop. I'm willing to pay my loan ( I have to ) but they should work with me in my current financial situation. Even if I could just get it down to {$100.00} per month. That would help a great deal ... but the harassment needs to stop now
Since XX/XX/XXXX, I have had monthly payments auto-drafted from my checking account to my student loan servicer, XXXX XXXX ( " Heartland '' ). In XX/XX/XXXX, Heartland claims that the ACH payment began being declined because of a closed account status. ( In fact, this is indicative of an administrative problem either with Heartland or with my bank, because the checking account had not recently been closed. ) In any event, Heartland failed to notify me that my payments were not being processed every month. 

I only found out about my delinquent account status when I checked my credit report and saw the negative reporting history submitted by Heartland. Specifically, Heartland had reported that I had missed payments for XXXX and XX/XX/XXXX, and that my account was at least 60 days in arrears. 

Upon calling Heartland, I discovered the reason I had not been notified is because they were sending statements to an incorrect mailing address ( as a result of their own typo -- a transposition of my house number, and not because my address had in fact changed ). I asked Heartland to correct the negative credit reporting because the lack of notification was clearly their fault, but they refused to take any action.

I do not think my credit should be negatively impacted because of this loan servicer 's neglectful business practices.
I made the mistake of responding to a pop-up offering a watch for the price of shipping and handling, and saying I would be billed for the watch but that it would be worth lots more than the amount I would be billed. 

The watch arrived but was worth less than {$20.00} and I was billed {$98.00}. Icould n't reach the merchant -- and was billed another {$98.00} thefolowing month.

VISA advised that I had been scammed and thqat the monthly charges would continue until they cancelled the card -- which they did.

I was then contact by a person claiming to represent VISA asking my permission of add the two {$98.00} charge to the new card, along with the shipping charge. I protested that it had been fraudulent. She said that because I had given them the credit card number I was responsible under contract law, even as she acknowledged the worthlessness of the watch. I said that I didn't want to affect my credit rating adversely and would agree on on that basis. I called back the following day to say I had changed my mind because her recitation of contract law was incorrect and that I disputed the charge. She said it was too late to change my mind and that I could appeal if I wished.
XXXX, XXXX and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, XXXX  and Transunion actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX  has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX  regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. Transunion has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.
Close to 9 years ago when I was on the income base repayment plan with  XXXX   XXXX   (  now Navient ), they talked be out of my best option and put me on forbearance. I was a civil service employee, had I stayed on the income-based repayment plan I would have been nearly done paying my debt. Now I have a massive debt that I have not even made a dent into. When i spoke to them about this years later, they just apologized and agreed that income based was my best option. I have also tried mailing forms that they have asked for to enroll in the plan, and they claim to not have received the forms.
I recently bough a Nissan car that I financed through Nissan. After I bought the car I set up a recurring payment auto-draft through the website. It has an option to pay an additional amount with an asterisk next to it. At the bottom of the page the asterisk is explained " *PURCHASE : Additional amount will be applied to any outstanding charges on your account first and then the principal balance. The regular payment and the additional amount will continue to draft each month, as scheduled. '' The part about the principal balance is in bold on the website. I chose to only set up the XXXX payments as I wanted to pay additional principal with these payments but I was not sure how much additional I would want to pay after the XXXX months. Today I logged in to set up the recurring payment for the next XXXX months and noticed a payment due date of XXXX/XXXX/2016. I called and was informed that my additional amount had been applied to my next payments due instead of the principal. I was told that I could not apply the additional amount to principal with the recurring payment despite what the recurring payment page said. I told them they needed to fix it and they said they would submit the request but that it would take a few days. I was also told that since my payment was due today and that it takes a few days to process the request, my payment for this month would be pulled from the amount I intended to use to pay down the principal. I was then told that future additional amounts to be paid toward the principal only should be mailed with a reference on the check for principal only. All this despite what is says on the recurring payment page.
On XX/XX/2018 in an attempt to pay off my second mortgage with XXXX XXXX. I wire transferred {$450.00} through XXXX XXXX to XXXX XXXX 's specific account. XXXX XXXX 's account number indicated that Wells Fargo Bank was the Bank holding the account. XXXX XXXX listed Wells Fargo home mortgage as the beneficiary rather than XXXX XXXX. The money also was inadvertently sent to MD rather than XXXX XXXX. The money was delivered into the account as confirmed by the tracking number. XXXX XXXX never received the money. According to Wells Fargo, they obtained the wire transfer money from XXXX XXXX. On XX/XX/2018 I received notification that Wells Fargo was transferring my home loan to XXXX XXXX XXXX. Prior to the transfer I contacted Wells Fargo whom indicated that they would be transferring the wire transfer to XXXX XXXX XXXX. According to XXXX, they did not receive the payment wire transfer. XXXX confirmed that they opened an investigation regarding the wire transfer money from Wells Fargo. Wells Fargo allegedly opened an investigation regarding the wire transfer and then closed the investigation and my account. I have requested a payment history with Wells Fargo, whom as of today 's date has refused to produce any copies or indication as to how the {$450.00} was applied to my account. My loan is an ARM loan ( adjustable rate note ). Pursuant to my note, when and if I make an additional payment, " I will tell the Note Holder in writing that I am do so. I MAY NOT designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. '' Page 2 or 4 item 5 Borrowers Right to Prepay of Multistate Adjustable Rate Note. At no point in time did I authorize the payment of {$450.00} to Wells Fargo nor did I indicate in writing that I wanted the inadvertent payment to be applied to my principal as a prepayment. Upon transferring of my home loan XXXX committed the same error. On XX/XX/2018 I confirmed with XXXX   that they had finally received the {$450.00}. They opened an investigation. They NOW are also applying partial payments as " curtailment '' payments and violating the contractual adjustable rate note. I have filed a complaint with the FDIC and XXXX regarding the wire transfer. I have also sent Wells Fargo a letter, in which I have received contact from XXXX XXXX regarding the issue of the wire transfer and requested payment history. In the letter I requested a payment history. It is my belief that Wells Fargo has committed a fraudulent act with criminal intent to place my home loan into default leading to foreclosure.
WHERE DO I START? I WAS WITH MY WIFE UP ON THE XXXX OF THE XXXX IN XXXX TUESDAY AFTERNOON WHEN DISCOVER CARD DECIDED TO SHUT OFF MY CREDIT CARD FOR NO GOOD REASON! INSTEAD OF DOING THE RIGHT LEGAL & ETHNICAL THING OF CALLING ME ; THEY INSTEAD TAKE IT UPON THEMSELVES TO " PLAY XXXX '' WITH MY CREDIT PURCHASES. I THEN CALLED THEM BACK IMMEDIATELY TO CONFIRM THAT I AM THE PERSON MAKING THE CHARGES ; THAT THIS CREDIT CARD HAS NOT BEEN STOLEN. WHEN I DID CALL BACK, I WAS ASSURED BY THE CUSTOMER SERVICE REP. THAT THE ACCOUNT WOULD BE REINSTATED. THEN I TRIED TO CHARGE SOMETHING ELSE & GOT THE SAME SURPRISE " DECLINED CARD ''. I CALLED BACK AGAIN!! THIS TIME SAME PERSON ASSURED ME MATTER WAS BEING CORRECTED? THAT THEY WOULD ALSO PUT A " TRAVEL ALERT '' ON MY CARD? THEN AGAIN I TRIED TO CHARGE, THEN GOT SAME SURPRISE! DURING THIS WHOLE TIME, MY RELATIONSHIP WITH MY WIFE WAS WORSENING BECAUSE OF THIS " XXXX ''! I CALLED BACK AGAIN, THIS TIME SOMEONE APOLOGIZED? THEN REASSURED ME THE PROBLEM WILL BE FIXED NOW? THEN I LEFT THE BUILDING GOING DOWN THE XXXX FEET ELEVATOR DESCENT FROM XXXX! WHAT A RIDE! THEN WE GO TO A NEARBY VENDOR, I WAS DECLINED AGAIN? I CALLED BACK AGAIN THIS TIME FURIOUS, THIS REP. TOLD ME A TOTALLY DIFFERENT STORY THAT THE CARD CAN NOT BE USED FOR ANOTHER 48 HOURS??!! THAT WAS IT FOR ME!! THANK XXXX I BROUGHT ABOUT $ XXXX CASH WITH ME TO XXXX!!!
I have contacted TransUnion numerous of times about the following inquired on my report. 
1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Hello. On XX/XX/XXXX I returned a leased car over to XXXX Toyota XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
On XX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to Toyota because I returned my car before the end of the lease. I went immediately to the Toyota dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that Toyota made, they processed improperly the trade in paperwork and that 's why Toyota was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
I worked XXXX for 14 years ( XXXX ). I used my Bank of AmericanXXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XXXX and for the previous 3 years, I was XXXX. 
In XXXX of XXXX, the company was forced to close due to XXXX the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made XXXX XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of over {$110000.00} plus fees I continued to pay my personal charges monthly until XXXX, when they did this and would not budge. 
I lost my career, mother of XXXX, wife of a XXXX. Bank of America said they would remove the charge, but the would have to write it off as income to me and issue a XXXX. Clearly, I can not afford that nor the tax implications - this was not my responsibility. I explained to the Bank of America attorney that if they did this, it would force me to declare bankruptcy ... ..they said they certainly did not want to do that ... .... 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years. My husband and I are trying to obtain a loan to build a home for our family. We are not able to because of my credit due to this situation. 
I ask for help. 
Our company had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.
According to Wells Fargo, the amount of student loan interest I paid in XX/XX/XXXX was {$110.00}. I thought this amount was low, so I went back through my statements for XX/XX/XXXX and added up the interest paid. I came up with {$650.00}, and that does n't included payments made in XX/XX/XXXX, as Wells Fargo did not issue a statement until XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX regarding the discrepancy in interest paid. They stated the matter would be resolved in the next 24 to 48 hours and I would receive a phone call. That time has passed and I have not received a phone call and after logging into my account with them, the interest paid for XX/XX/XXXX is still reported as {$110.00}. Out of curiosity, I reviewed my statements for XX/XX/XXXX and manually calculated the interest paid. According to Wells Fargo the amount was {$230.00}. I calculated the amount to be {$810.00}. I ca n't help but wonder if my payments have been misapplied. Interest is income to the bank, but what they 're reporting to the government is far lower than what they 're collecting. I was a student at the XXXX, XXXX XXXX, Iowa, when I incurred this debt with Wells Fargo for the XX/XX/XXXX-XX/XX/XXXX school year.
I have been on a debt mgt program since XXXX-16 yet some of the credit card companies have been reporting me late. The XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX/XXXX.
I did not authorize these inquiries at any point in time, I have attempted to get them taken off to no avail, without proper response or action from the credit reporting agency, transunion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
I have XXXX addresses listed on my Experian credit report that do not belong to me. I would like to have them deleted. The XXXX addresses are : XXXX and XXXX
In XX/XX/XXXX, our mortgage service agent, Seneca Mortgage, again informed us that they were changing their organizational agent. My mortgage payments were always automatically paid by our bank for many years. We have never been late. While in the process of changing the address and other information for the new agent with my bank, I was interrupted by a client emergency. After the emergency was over, I forgot to finish making the changes required by my bank. As a result, the payment for XX/XX/XXXX was not made. We did not discover this error until the next month because when Seneca called me they could not talk to me because the mortgage was in my wife 's name even though I am on the deed with my wife. By the time we received a new billing statement, we were two months behind. I received a call from a collection person and advised them that I would be making XXXX separate payments to bring the mortgage up to date. The agent did not say that this would not be acceptable. The monthly mortgage amount is {$2000.00}. All payments tendered electronically by our bank have been returned as follows : XXXX/XXXX/15 {$2000.00}, XXXX/XXXX/15 {$4000.00}, XXXX/XXXX/15 {$2000.00}, and XXXX/XXXX/15 {$6000.00}. Seneca will not except tender of our payments. I have written a certified letter to Seneca 's CEO and the CEO of my bank 's payment agent XXXX. I have contacted the Federal Reserve Board ; and, they have advised me that electronic transfers made by a bank are legal tender and must be accepted. 
I request that Seneca accept full payment for the months in arrears, correct my wife 's credit report to indicate that the late payments were caused by Seneca and waive all penalties and additional interest. Since I can not tell you my name, I do not understand what is meant by " My information ''. This concerns a mortgage loan that was from refinancing our apartment XX/XX/XXXX.
PayPal Holdings Inc. has suspended my account without giving previous warning, nor have the given justification. They have tied up {$1800.00} in funds and are threatening to not release those funds for 180 days. There is no way to contact them over the phone in regards to this matter to get this sorted. I would also like to point out that, at this time, there is a large settlement made in a case exactly like this one. While I 'm sure the settlement places no fault on Paypal, the rationale behind paying out a large settlement is a pretty good indicator of the vague legality of this practice.
This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.
I paid off my credit card in XXXX 2016 and then I received a bill for {$58.00} today XXXX XXXX, 2016. I called JP Morgan Chase costumer service and they told me this is a residual balance. I then asked, is the only charge I willhave to pay? But then I was told that I will probably have to pay more residual balances after that.
I was approved on XXXX/XXXX/15 for a permanent modification home loan, when calling Bank of America talking to service manager XXXX on XXXX/XXXX/15 I was told it would take about 30 days to be approved. I went online a couple of days later to check my status and I seen my approval papers that posted on XXXX/XXXX/15 giving me until XXXX/XXXX/15 to sign and return. On XXXX/XXXX/15 I spoke with my service manager XXXX and I told about permanent modification papers she said the papers were sent out to me, I ask for the tracking number because I never received them XXXX she said she could n't see XXXX. I told her I made a copy of the papers I need to have them back by XXXX/XXXX/15 plus a permanent payment is due XXXX/XXXX/15, she said maybe I should wait to make that payment until I actually get my permanent papers. I told her no I was told not to miss a payment then XXXX ( my service manager ) said make the payment I was making doing the trial XXXX, and she will refer my papers to the help desk to see why they did n't mail them and to mail me out a new permanent modification paper with a new return date. I ask how long will that take she could n't tell me and she will do a follow call back on XXXX/XXXX/15. I did receive that call from service manager XXXX still no info on my permanent papers she place me on hold for 5 minutes and came back saying she will refer it to her supervisor. When I went to check my status on XXXX/XXXX/15 I notice they had given me a different service manager XXXX. I called XXXX/XXXX/15 and spoke XXXX to set up a payment for XXXX/XXXX/15 he could n't for that date because it was XXXX and made it for XXXX/XXXX/15. As he was taking information for payment he ask for a check # I told him I will get him one he said oh just give me a random #, I said know the my bank wo n't process any check #. XXXX gave me a confirmation # XXXX, I told him this confirmation number did n't have a day just the year and month which is not like previous confirmation I have he said they are all different. I told him I know but they all have the complete you 're paying your bill, he said it will be alright. About a hour later I tried to check my status and was blocked from that site, I called and spoke to XXXX different service telling them I blocked and the last XXXX transfer me to the support group that only handles home equity system only to transfer me back to the home modification department because they handle their on system. I got representative who place me on hold and cleared the trouble. I did tell them I feel as though something is n't right, the representative everything going fine but I feel as though I getting the run around
I noticed that my credit report was ran 3 times by Chase bank 3 months in a row. 
I did not apply for a line of credit for any of the 3 credit inquiries. The three dates include ( XX/XX/17, XX/XX/17, XX/XX/17 ) I called on Monday XX/XX/XXXX where the representative for Chase said there was nothing they could do and I should contact the Credit bureau since they werent approved for the line of credit.