WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX til XXXX incurred debt wIth XXXX now known as Navient fro private student loans. XXXX XXXX and XXXX XXXX Tried to resolve issue today XX/XX/XXXX with Navient customer service rep in regards to private student loans. Navient rep stated to me that I owed {$150000.00} in private student loans and proceeded to give me the colleges and amount taken out. Which I wrote down for my information. He then stated that I have never made an attempt to make a payment when one of my co signers stated he did and it was taken care of. Navient rep proceeded to ask me why I never made payment and I told him why and he made a statement of we don't care and this a substantial amount you owe so all we want is our money and you need to pay {$250.00} per month. I told him I could not afford it at this time due to health issues and he basically told me he doesn't care nor does Navient, and Navient wants their money. He also made a statement of if you don't take care of this today and keep ignoring us you will have consequences and basically be put in a corner you will not like and have to abide by our rules. Remind you I called them today to try to resolve the issue. He the proceeded to tell me my cosigner will have to sign a waiver which he did not explain what it was for and also said cosigner will have to pay XXXX to resolve the issue then I can be put on a payment plan of {$250.00} per month. and that was the best he could do. He also insisted that I call my co signer. I asked him if there was any program that would assist me in paying them back and his answer was you have to make the {$250.00} payment you have no other choice. I did asked on multiple occasions during the phone call about the Navient programs with loan repayment and the rep ignored me and proceeded to threaten me. I did also ask him why I didn't see the private loans on my credit report and his answer was those are federal so it has nothing to do with us. He also lied to me, the borrower about requirements for releasing co-signers on their loans so I could take care of my loan with out explaining the details and leaving me in disarray and fear that I would be sued due to no compliance when I did ask about programs offered for lower income families. He was rude and adamant on me paying the $ XXXX/month and calling my co signer to pay the {$5800.00} before any one would help me out with my private loan. He then proceeded to threaten me again about not paying my loan and belittling me. I received no solution to the issue but threats and lies.
Previously I have filed complaints against USAA with the CFPB, however I have tried to include multiple violations of consumer laws per complaint. In reply USAA has failed to fully discuss each complaint and glossed over others. So I find it necessary to open a complaint for each individual violation. In XXXX 2016 I was the victim of identity theft and credit card fraud. The fraudulent charges and billing errors were immediately reported to USAA. According to eRegulations 12 CFR Part 1026 ( Regulation Z ) Paragraph 13 ( c ) ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. <P/>FINALITY OF ERROR RESOLUTION PROCEDURE. A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). Thus, for example, 1026.13 ( c ) ( 2 ) prohibits a creditor from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. Similarly, if a creditor fails to mail or deliver a written explanation setting forth the reason why the billing error did not occur as asserted, or otherwise fails to comply with the error resolution procedures set forth in 1026.13 ( f ), the creditor generally must credit the disputed amount and related finance or other charges, as applicable, to the consumer 's account. <P/>USAA repeatedly has refused to answer for the violation of this time frame as they decided to randomly reverse the billing error a year after correcting the error. As they are way outside the allowed time frame this should be illegal. Furthermore, USAA failed to mail or deliver a written explanation setting forth the reason why the billing error did not occur as asserted. I have made multiple requests for all documentation, a detailed written explanation and filed a complaint with the CFPB regarding this refusal to provide documentation. I have not even received a statement displaying, outlining or explaining the charge backs. The sum of charge backs is also MUCH higher than reported by USAA in response to CFPB complaints. this they have failed to comply with the error resolution procedures set forth in 1026.13 ( f ) USAA has refused to answer for this violation, repeatedly glossing over the timeline allowed by law, stating falsely that I reported multiple fraud claims, which were actually all re-entered by USAA agents in attempts to fix the previous agents errors. Additionally, USAA states their investigation results a year later. None of this actually has any bearing on the procedures, timelines and resulting violation of the laws listed above.
Furnished misinformation being reported by Experian credit bureau which thus has been deleted by XXXX and XXXX.
I call nearly every month to have my payments lowered base on income based payments, the person on the line states what my new amount will be. Come next month, the amount due is NOT what was stated on the phone. I am forces to pay the full amount other wise I am penalized for not paying full amount. Forced to call and talk to a new representative and explain my whole situation AGAIN, they tell me the other person did it wrong and now " problem is fixed ''
My mortgage company is Selene Finance unfortunately. I have not received a monthly statement from them Since XX/XX/2018. I have called several times and e-mailed their customer service. I have contacted them in one form or another XXXX, XXXX, XXXX and XXXX. They always give me an excuse that they are having technical problems processing statements. I have been sending to their original address my payments/check with a note/account # attached. 
I now have property taxes due that usually get sent to them to put in escrow. I am at wits end! Please Help! Are they breaking the law refusing to send me monthly statements? 

I am not in bankruptcy and have never missed a payment! I am not computer savvy, please tell me where I can seek help. 

Thanks
I've never had XXXX. I'm with same carrier for over 20 years. They have wrong person in collections. I open dispute in my credit file They're refusing to remove I will contact Attorney general next
I graduated from XXXX University with my XXXX Degree in 2012. I XXXX currently owe Navient about {$70000.00} in private loans. Most of my private loans have an interest rate of 8 %, 9 %, and even 11 % with an unfavorable repayment term. I am interested in consolidating my various private student loans into a more favorable loan with a lower interest rate and a more appropriate repayment term ; but I 'm afraid I have no options. The flexibility enjoyed by many people across this country with a variety of loans, does not apply to me with a private loan. Please advice regarding the current situation with private loans and possible solutions for people like myself.
Attempted to answer the questions that Equifax presented to me online, all of which did not apply to me. Equifax failed to give me my report and asked me to request it using their form. Some of the information requires my drivers license, social security card, etc. Sending these items in the mail subjects me to identity theft. I was able to obtain my credit report from XXXX and XXXX online. I want Equifax to do the same.
There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by XXXX XXXX XXXX. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!
Seterus purchased my loan in XXXX 2015, I sent in additional principal payments, that were applied to future months regular payments both Interest & Principal. I asked for payoff amount and sent in check for that amount. It was also applied incorrectly and now receive notice that I still owe {$7.00} for the XXXX payment, should have been paid off at the end of XXXX. They also now want me to pay for flood insurance XXXX {$630.00} XXXX to cover {$78000.00}. I have contacted them numerous times and have been told someone will call me back. Still have n't heard back from anyone, wonder if I will ever get my deed. They use terms like we will have this dealt with in 30 days. Also wonder if they will acknowledge they took interest money that was for in future months.
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Navy Federal must report accurate information. My credit report is reporting that my XXXX and XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. Navy Federal needs a better system to repos accurate delinquency. I reported to Navy federal that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.
On XXXX XXXX, 2017, I received a letter from Mendelson Law Firm - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for {XXXX from XXXX XXXX XXXX XXXX ( USA ). I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''?

When I checked on XXXX XXXX XXXX XXXX website, it shows they hire a third party, XXXX XXXX XXXX, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence.

I have cc : 'd all correspondence to the XXXX XXXX XXXX in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages.

What XXXX.
Last XX/XX/2018 I recieved a text from Bank of America regarding unusual activity in my account. The text stated that if I recognize the transaction reply yes or no. Before I can reply no, a transaction went through. It should not have went through without my response first. If Bank of America is really protecting customers from fraud the transaction shoudld have not went through. Bank of America should wait for mybreply first before any transaction could take place. When i replied that i did not recognize my card was block. Then I called the fraud department and explained what happened but even them agreed that no transaction should went through. The next day when the transaction had posted in my account i disputed it. Today is XX/XX/2018 and there is still no resolution on the case and i still dont have money. They said they will investigate. My question is what is there to investigate when the transaction should not even went through. I think Bank of America is not really commited in protecting their customers.
Dear Sirs : My mortgage loan with XXXX XXXX was transferred to SLS ( Specialized Loan Servicing LLC ) on XX/XX/XXXX without my knowledge or authorization. I was paying XXXX XXXX {$1500.00} for years and never was behind on my escrow payments. My payment included {$240.00} towards my escrow every month and as I said, it always covered my yearly taxes and insurance, which have not changed at all in many years! Now, SLS is counting {$200.00} only towards the escrow at the same time as raising my mortgage payment by {$36.00} for a total payment of {$1500.00}. They are using the excuse that they are collecting for XXXX! I verified with a mortgage banker at XXXX XXXX and she also said what they are doing is illegal. I want my payments to go back to {$1500.00}. 32 with the escrow at {$240.00} ... If you look at it, by SLS not including {$32.00}. of my payment towards escrow and raising my payment by {$36.00}, they are illegally collecting a total of {$68.00} for their benefit!! 
I do not trust them and certainly do not want to do business with them and unfortunately do not have any income at this time so I can't get a refinance with anyone else!
I have had a mortgage with Wells Fargo for over ten years and the initial payment was generally about XXXX dollars. However, the past several years it has gone up from XXXX to XXXX to XXXX and then XXXX. When I asked about the increases, I was told it was due to insurance and taxes. I have made no changes to the house so I was having a hard time understanding why the increases. I was only XXXX payments behind but at {$1400.00} that adds up to several XXXX dollars. When I tried to make an automated payment I was told that my " new '' payment was {$830.00}. It was not clear what that meant but I made payments at that amount for several months. I then got numerous phone calls from Wells Fargo indicating that I was on some type of " trial modification '' and according to them I now owe {$11000.00} on the mortgage. They wanted to send me some type of new mortgage agreement that increases my mortgage by XXXX dollars, puts a 40 year term and a lower interest rate. I was told in the middle of XXXX when I spoke to their representatives that they would be sending me this modification agreement and that I must agree to its terms or else they would put me into foreclosure. Even though I was making the payments that the automated system suggested, they were telling the credit bureau that I should have been making the nearly {$1400.00} payments, therefore I was falling further behind even though making payments. I was told NOT to make a payment in XXXX and that this new modification would be coming. I have NOT received this agreement. I also asked for a copy of my payment history which I was sent by fax two year of payment history. this payment history ( a copy of which I am sending by mail as I can not scan documents ) shows " new principal/escrow balances '' as far back as 2013. I was NEVER told that anything had changed on my mortgage. I have now requested a copy of my entire payment history to see exactly when this principal amount had changed. I am told it will take two weeks for me to get this entire history. As stated above I was told they would not accept payments until the " new '' agreement was signed and to date I have not received it. It is now going into XXXX and it is unclear as to whether a can make any type of payment or exactly what my payments are or what is going on with this account. It was my understanding that mortgages or legal agreements can not be changed without the consent of all parties. I am not sure what the status of this agreement is or what the bank is contemplating. It appears that I have lost ten years of equity in this property and they are going to make me start over and keep this under a mortgage for an additional 40 years. I have stated to them that I am very concerned about this and they assure me that this is just their way of " helping '' homeowners. this is an address that I reside in as a second residence. I ca n't believe this is legal or that they should have been able to make changes without telling me years ago. Please can you help me sort this out and determine if this is actually legal and appropriate??
CMRE Finance. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
I originally had a mortgage with Country Wide mortgage. The company was taken over by XXXX XXXX XXXX. I had paid the mortgage on time for a while. Then a few years later I started having financial problems. I tried negotiating with my motgage company and they appeared to want to work with me. As time went on I applied for a loan modification. They sent me a modification package. I filled it out and they was always some technical reason for not granting the modification such as not a complete file or the package being mailed or faxed a day late. This excuse went on for long time, My XXXX servicer was a person named XXXX XXXX. After her I had XXXX other case managers, I hired a modification specialist to handle my case and they filled out some papers ang gave me some advice for over {$3000.00}. I think I was ripped off because I did n't get any results from them. The modification process dragged on until the begging of this year when I sent a letter that my note was sold by XXXX XXXX XXXX to an investor and that Caliper Home Loans would be the servicer of the loan. I calll them and spoke to a customer representative and told her that I was interested in modifing the loan. I was sent a letter in the mail. I filled it out and mailed it out to Caliper homes in XXXX and I was waiting on results as far a my modification decision. But during this memorial day weekend someone changed locks on my home after I left that morning. I would like for someone to help me so I can resolve this issue that has been going on for years. 
Thanks, XXXX XXXX XXXX
I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX XXXX AT XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

THANK YOU.
Sw Credit Systems L.p. 
reported on my credit report on XX/XX/2018 this is not m debt and i have never done business with this company I have sent a letter to this company asking them to show me proof that I owe this debt and have received no response
My card was used at a XXXX XXXX XXXX XXXX XXXX, XXXX, TX without my permission on XX/XX/XXXX, I received a text message saying my account went below {$25.00} so I log on to my account and saw 2 transaction and called AmEx Serve right away and had the card cancelled stating fraud. I was told to call back or go online to dispute the transaction once they processed, I did on on monday XX/XX/XXXX when they cleared. I was send a declaration of Fraud letter on XX/XX/XXXX which I filled out and emailed back to serve on XX/XX/XXXX. I have called 3 times to check on it and each time was told I would get a letter once it was decided. on XX/XX/XXXX I received a decision saying Based upon their investigation we have determined that no error occured and the transactions in question were authorized. Therefore the transactions is not eligible for credit to your account. 
I have called twice to talk to someone at AmEx serve but they tell me the decision was made. and I repeat I did not give authorization for someone to use my card and I had the card and was at home not XXXX TX. I even gave them a idea of what could have happen at XXXX XXXX XXXX which I made a purchase earlier that day.
Trust of XXXX XXXX XXXX XXXX XXXX , Ca . XXXX ( XXXX ) XXXXRE : Capital One Bank, N.A. 
XXXX, Texas XXXX XXXX - Bank Relationship ( XXXX ) XXXX Option XXXX Acct. # XXXX Opened : XXXX XXXX XXXX Trust to XXXX XXXX XXXX - COMPTROLLER of THE CURRENCYDear XXXX am XXXX XXXX , the G-Grand-Daughter of the Late-XXXX., my g-grand-father XXXX XXXX XXXX opened this bank account in about XXXX - XXXX with wife XXXX XXXX XXXX XXXX XXXX XXXX made a DEED of TRUST with his XXXX ( XXXX ) children. His XXXX son XXXX XXXX is my grand-father, XXXX XXXX had XXXX ( XXXX ) child with wife XXXX XXXX my father XXXX XXXX XXXX, married my mother XXXX XXXX XXXX they had XXXX as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX ( deceased XXXX/XXXX/XXXX ), XXXX XXXX and XXXX XXXX. There are no other grandchildren for XXXX XXXX XXXX or XXXX XXXX and no other children for XXXX XXXX XXXX. 
Please help me get to the truth about this Trust. I walked in Capital One Bank on XXXX/XXXX/XXXX, I gave an XXXX lady my name and she says we have been waiting on you for a long time. Takes my brother XXXX and I into an office, asked for my social security card and driver 's license. XXXX XXXX waited on us. XXXX XXXX said she had to leave now. XXXX XXXX proceeded to transfer XXXX XXXX XXXX the original bank account into a new Trust Account in my name under my social security number with bank # XXXX. XXXX gave me a lot of paperwork. I, XXXX XXXX signed a UNIFORM XXXX-PARTY OR MULTIPLE PARTY ACCOUNT SELECTION FORM NOTICE, to open this account. I put {$500.00} of my own money into the Capital One Bank on XXXX, XXXX, I made a wire transfer from my bank XXXX into acct. # XXXX of Capital One. The transfer went through but before Capital One closed for business that day they rejected the {$500.00} and closed the bank account. I was told by XXXX XXXX that I can not put money into this account. Why? It 's a High Yield Checking Acct. I put money into the account after I read the Banks paperwork which stated there has to be {$1000.00} in the account at all times. Capital One is funneling all of the monies from this account into another Capital One Account. My XXXX XXXX XXXX XXXX told me before he died that the bank was stealing all of the money from the Oil, Gas, Timber, Minerals and other materials and rare minerals from our land, and he wanted me to go there and get it. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my daddy told me that the bank has my name, XXXX XXXX. My daddy took me to the XXXX before they merged with Capital One Bank when I was XXXX years olds, that was in XXXX. 
This bank account has been opened for over a XXXX ( XXXX ) years with multiple leases for land, gas, oil, minerals, and allowing people to build homes on our property. I have many deeds that I received from the County Records in XXXX County, Texas. 
Please audit this account at Capital One Bank so that my family can find peace of mind from all of this money thief. 
Sincerely, XXXX XXXX