WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I had called Navient ( my Federal Loan service provider, formerly XXXX XXXX XXXX I believe towards the end of XXXX XXXX, maybe XXXX XXXX. I called to try and get my payment lowered from {$140.00} per month. The person whom I spoke with gave me a few options to try to get it lowered and convinced me to do the re-consolidation to get a lower payment. Then, I had asked for an estimated payment or what it might look like after getting the loans reconsolidated. The gentlemen on the phone stated that it would be around {$90.00} something per month, which, would be something I could afford on top of the private student loans I am also paying back. I went ahead with this plan thinking it would be better and they went ahead an processed it, along with three months of forbearance because I was struggling to make payments on time. 

Flash forward a few months later, I gave Navient a call towards the middle of XXXX XXXX because I had not heard anything on the status of my application. After that, I received an e-mail of what my new payment would be in XXXX XXXX ... {$190.00}. Wow. I could not believe this. Why would anyone reconsolidate to have their payment be increased? I called Navient again. Apparently, going forward with the decision to reconsolidate was NOT the option I should 've been pushed into doing. The lady I spoke with on the phone went over my account and advised that I should NOT go forward with anymore forbearance because of all the interest that has accrued. What else was I supposed to do when I was n't able to afford payments? I told her that I was advised to do so and to reconsolidate, which she also told me I should not have done, either. I then asked, could I go back to what my plan was before?, and she said no. So, in the end, I ruined any chance of being out of financial debt any time soon. Not only could I not get out of the plan, but reconsolidating only added 10 more years onto a 10 year loan. And now, this is all a disaster. 

I do n't understand how a loan company could advise student loan borrowers to go through with this knowing that they are just banking on the interest they 're collecting, even when loans are in forbearance. I do n't know where else to turn, what other companies to look for or how to even qualify for loan forgiveness. It does n't seem right or fair for a company to expect payments like these, when our generation has other financial obligations like rent, groceries, credit card payments, other loan payments, a LIFE. 

I am not saying that I regret taking out student loans, because I would not have been afforded the wonderful and fulfilling education I received. However, if I had known then what I know now, I would n't have done so to be in the current financial loop around I am in. 

My feel stuck and do not know where to turn to at this point. Any advice would be greatly appreciated moving forward.
My wife and I purchased furniture at XXXX in XXXX with terms of 0 % financing with minimum payment until XXXX under Wells Fargo Bank. These terms were applied to half of our purchase and the other part of the purchase was changed to 0 % finance for 12 months. When I noted in XXXX that we were charged extensive finance charges on part of purchase, I was told by both the merchant and Wells Fargo Bank that there was nothing that could be done unless I could prove the terms of financing. At that time, I could not find my paperwork. This hurt our credit score and due to the finance charges also made it difficult to make such a high payment. When we were cleaning out our home for purchase, I found the original paperwork from XXXX stating the terms as agreed of 0 % financing until XXXX for the entire purchase. I contacted XXXX and provided them a copy of the paperwork on XXXX/XXXX/XXXX, and I was told that it was all taken care of on XXXX/XXXX/XXXX by the manager at XXXX, and it would show up in XXXX to XXXX billing cycles. I waited for approximately 6 weeks, and it still had n't shown up. I contacted the manager at XXXX and was told that someone dropped the ball, and that it would be taken care of. I then filled a dispute with Wells Fargo Bank. I provided Wells Fargo Bank a copy of the original paperwork showing that the wrong terms were applied on XXXX XXXX. I also told Wells Fargo Bank that resolving this issue was critical as we were purchasing a new home, and would not be able to acquire funding with an open dispute. I was told that they had up to 90 days to research this matter. I continually followed up with Wells Fargo Bank including my last call on XXXX/XXXX/XXXX. My account is noted all the way through that the expedition of this research is needed due to the pending home loan. I was told that there was no way to expedite as they handle claims as they come in, and that they have up to 90 days to take care. Supervisors of the credit center have sent multiple emails to the billing department for an update on the status, and they have failed to respond. I indicated that they had caused my husband and I financial hardship by the bait and switch of finance terms, and now they have placed our home loan in jeopardy due to the open dispute status. I requested under the Fair Credit Reporting Act that this account be removed from my husband and my account until it is resolved since it took longer than 30 days. I was told that was impossible. At this time, we are not able to receive the home loan due to the open dispute status. We have now been caused further financial hardship/damage due to Wells Fargo Banks actions. We have lost both money from the home inspection and appraisal, and we are currently living in a XXXX with our entire family as we could not go forward with purchase, and our home was sold.
Navient reported me as 120 days past due during their process of returning my loans to Dept. of Education. This act along with numerous hits on my credit report almost caused me to not be able to get a job. I ca n't get a car loan because of this reporting. 

I was unemployed for 7 years. Most of this time I was on deferment with Navient. Every 6 weeks or so they would send me an email to let me know it was time to reapply for deferment so that it would not affect my credit. In XX/XX/XXXX, my present employer did a background check on me and said Navient reported me as being 120 days past due. If I had not shown them the XXXX balance from Navient, I would have not gotten this job. 

I did n't get a notice of this transfer from Navient nor was I provided with a way to continue to reapply for deferment. 

After my employer gave me the credit information, I logged into my Navient account and the balance is XXXX and the status was " Paid by Navient/Dept of Education ''. I was confused by this. It took me 3 more days to find out that CFPB had sued Navient. During this time I suppose Navient just decided to transfer the loans and not provide an alternative method for me to continue to be in deferment. 

In XX/XX/XXXX, I was reported by Navient as being 120 days past due. My math tells me they put me in default 4 months prior to XX/XX/XXXX even though the DOE said the loans were sent back to them starting on XX/XX/XXXX ( the last entry in my Navient account is XX/XX/XXXX ). I do not  understand why Navient did not communicate with me before my credit was destroyed. I also do not understand why they have so many entries on my credit report ( more than 100 entries in a short period of time ). My credit before this, even while I was unemployed, was XXXX. It is now XXXX and XXXX and I ca n't get a car loan so I can get to my new job without getting a ride from a relative. 

I would like to know why Navient reported me as 120 days past due and why so many entries on my credit report. I would also like to know why my Navient account shows " paid by '' instead of " transferred '' to DOE. I had to search to find this information. 

Also, it looks like Navient reported me 120 days past due in XX/XX/XXXX, but the loans were not moved back to the DOE until XX/XX/XXXX. 120 days would be about XX/XX/XXXX. By the time XX/XX/XXXX came around my loans were already in default and now I 've had to enter into a rehabilitation program with DOE before I can find another lender to consolidate the loans, which means more interest is going to accumulate. 

I feel it was extremely unfair for Navient to destroy my credit this way. I ca n't get my own apartment or a vehicle because of this issue. All they had to do was tell me how to continue with deferment instead of destroying my credit.
I opened the new bank account with Synchrony Bank and they let me make deposits into the account with no issues but when I wanted to access to my fund they just held my money hostaged for no solid reasons. The Supervisors and Manager of the bank kept promising to return my money the next day and then next day and then next day .... Almost two months passed by, they still did not return my money.
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
The XXXX # XXXX is older than 7 years why is this still listed? Please remove
I have previously submitted a complaint with you regarding this company for the same reasons, and it was effective until recently. XXXXXXXX XXXX contacts me, my husband, my parents, and my in laws multiple times per day. When visiting my parents yesterday they were calling their house, and they explained to me that it was the fourth time today XXXX was calling to ask for me. My parents have told them multiple times that I do not live there, and can not be reached there so please stop calling. With my last complaint this was all specified and they agreed to stop. They have not. So far today they have called my phone twice, as well as my husbands. If I were to call my parents Im certain they will have called them as well. Something needs to be done because they obviously dont have consequences when they are reported or else they would stop harassing me and my entire family.
I have disputed this charge on numerous occasions. They have continued to contact me and my family and friends. This was an account that was opened under my social, without my knowledge. Collection is still showing on my credit history.
I took out a loan with   XXXX   XXXX   XXXX   XXXX   Al my due date was Fri   XXXX   XXXX   I got a letter Saturday saying my lawn was bought by another place I have never been to. I have not heard anything from   XXXX   XXXX   I want to know why or how can someone buy my   XXXX   XXXX   and force me to do business somewhere else
I was researching to consolidate credit card debt. Lending tree rated a Chase credit card as very good. Filled out the application to see what l could qualify for. They stated on the web site, amount and interest % based on qualifying credit. The next thing I knew I was being congragelated for my new credit card! ( XXXX mins. ). I was never shown the terms of the credit card to either accept or decline before they issued the account! Whith in XXXX seconds I spent XXXX minutes trying to contact and speak to someone with Chase credit card support to decline the credit card. Very rude and condescending customer support. There only solution that was offered to me was to cancel the account, an account I never had the opportunity to view the terms of. I voiced my displeaser on the negative consequences of opening and cancelling a credit account towards my credit history report. Basically told " not their problem ''.
Reports collection as being opened XXXX ( when they purchased the debt from previous collector ). Original date of delinquency with original creditor is XXXX. Debt has been sold/purchased by multiple collection agencies within the last 3 years. Have filed disputes will all XXXX credit bureaus. Have been denied for other credit accounts and mortgage because the date displayed does not reflect the true age of the debt and it appears I have a new delinquency when I do not.
I purchased a Car getting a loan from credit acceptance, the vehicle was give problem after 1 week, I took it back to the dealer who tried to fix it twice and could not fix the issue. Car was making loud noise at the front and back, I tried to work with the dealer but they refuse to fix or give me another vehicle, I have small children and needed a reliable vehicle to move around. I made a {$2000.00} down payment and the car was value XXXX, after not getting any help and feel unsafe in the vehicle as I took it to a mechanic who told me I had to do major repairs with the engine. ( 2 weeks after purchase ) I decided to call credit acceptance to talk to them about the issue and the loan, I sent them emails and left voicemail no response. The vehicle was repossess after 4 weeks and the amount of {$5400.00} was placed on my credit report. I was told that the vehicle was sold after repossession by credit acceptance however they have place a negative {$5400.00} on my credit report and have a law firm threatening to garnish my wages. please help I have been unemployed for 4 years and just getting back on my feet
I wrote Trans Union to remove all hard and soft inquiries from my credit report that are suppose to come off because it has been two years. I was told when I called they are not removed by them I would have to call the company. Well, I have done that and was told Trans Union need to remove them. XXXX was suppose to be removed in XXXX XXXX, I applied in XXXX XXXX, XXXX and the Credit Union is suppose to be removed soon XXXX XXXX, XXXX as well. The XXXX, Trans Union has it being removed in XX/XX/XXXX, that is more than XXXX years. I want them deleted. A coworker had hers removed with no problems ( she is not XXXX XXXX ) so why do I have to contact the companies?
Scammed with Google Play Cards of {$6000.00} Alias name of U.S. Marshal/Immigration
The debt in question is invalid as the equipment that they claim they are charging for WAS returned. When I filed a dispute with the credit reporting bureaus this was removed from my account. Per the dispute it was marked that the items were returned and the account balance owed was {$0.00}. 

The collection agency responded by sending me a fraud packet in the mail ( which I did NOT fill out since this was NOT fraud ) and putting fraud alerts on my credit accounts with the bureaus without my authorization which has caused me numerous headaches trying to get them removed and causing me headaches with banking and other financial matters.
The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is XXXX XXXX XXXX. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.
I was a resident of XXXX Apartments from XX/XX/XXXX until XX/XX/XXXX. Once I moved out the apartment complex charged me XXXX for repairs they said they had to make, which was untrue. This debt has been forwarded to the collection agency Pro collect. I spoke with them about this debt and explained that I did n't owe this amount because I left the apartment clean. They were not interested they said I owed the amount. I then filed a complaint with the XXXX apartment association and they investigated the matter. They found that I did not owe this amount and the apartment complex did n't have any pictures or proof of said damages. They found that I only owed XXXX dollars and some change for normal wear and tear. The property management company XXXX also received a copy of the findings. However they refused to accept a payment from me and the collection agency is reporting this on my credit every 90 days or so. The last reporting was XX/XX/XXXX. I have sent them Pro Collect collection agency a copy of the email I received from the XXXX apartment association including the correct amount owed. They have chosen to ignore it. As a matter of fact XXXX XXXX the collection agent in charge of my account hung up in my face and refused to take my calls. They know they are reporting a lie I have sent them the evidence. I have also filed disputes with XXXX and XXXX  regarding this matter.
This is my 3rd complaint against this same " mortgage company '' I 've been trying to get this mortgage to honor the agreement that I had with XXXX XXXX XXXX for 2 years now. I mailed a certified letter on XX/XX/XXXX signed on XX/XX/XXXX to BSI Financial for the following documents to be sent to me. As of XXXX. I have not received ANY documents. The documents that I requested were my Hud-1 Settlement Statement, Copy of the Promissory Note, Deed of Trust, XXXX Uniform Loan Application, Truth in Lending Disclosure, Good Faith Estimate, Copy of XXXX ( XX/XX/XXXX ) ; Copy of tax credit, Copy of PMI/Title Policy. If this company is a legitimate company providing the requested documents should n't be a problem.
Please consider this a tri-fold final written request for validation and formal request under the Fair Credit Billing Act for a full accounting of all records for any and all accounts types regardless of within the your companies possession that are connected to the above referenced account numbers or, anything related to XXXX XXXX Additionally, I am requesting deletion of the trade line from my XXXX credit report if you are are unable to produce records per FCRA 623. within 20 days of receipt of this letter. This is my final request for you to respond with proper validation. Please cease and desist all collection activity and reporting on my credit reports. 

SEE ATTACHED LETTER SENT CERTIFIED MAIL. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
I have made several attempts to rectify this matter with Optimum Outcomes. I have notified Optimum Outcomes account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Lender is contacting my boyfriends mother, who I do not even have a phone number for, to collect my debt. She is no relation to me, mere aquaintance and was never given out information about her for me including her phone number.
Individual from Reliant Capital solutions contacted me regarding a debt collection from XXXX XXXX University, to which I answered that it was wrong and that I was making payments through the XXXX XXXX University. The individual demanded me to pay the amount he was collecting or legal action would take place. In a very aggressive manner he told me that he was n't going to waste his time or my time if I was n't going to pay and that he will report me and ensure to report me to the credit bureau for not wanting to pay. I told him that it is a mistake and I will dispute it and he just hung up the phone.
TO WHOM IT MAY CONCERN XXXX AND XXXX XXXX WHO LIVES AT XXXX XXXX XXXX XXXX XXXX PA XXXX FELL ON HARDSHIP WITH OCWEN FEDERAL BANK IN 2010 WE WERE ONLY THREE MONTHS BEHIND WHEN WE CONTACTED OCWEN FEDERAL BANK TO HELP US CATCH UP ON OUR MORTGAGE. THEY SAID THAT WE WAS ELIGIBLE FOR IN HOUSR MODIFICATION LOAN WE FELL ON HARDSHIP BECAUSE THE CO SIGNER OF THE LOAN XXXX XXXX XXXX HAD PASSED AWAY AND XXXX XXXX XXXX AND LOST HIS JOB AND XXXX XXXX HAD XXXX SURGICAL PROCEDURES DONE ON HER. WHEN WE FILED FOR THE MODIFICATION LOAN, WE WERE DENIED BECAUSE THEY SAID THE INVESTORS DOES N'T DO MODIFICATION LOAN, AND THEY STOP TAKING MONEY FROM US FOR THE MORTGAGE.WE REQUEST FOR ANY INFORMATION ABOUT THE INVESTORS THAT IS HOLDIN On THE LOAN THEY SENT US A WRITTEN PAPER SAYING THAT ITS US BANK WE WROTE TO US BANK AND THEY TOLD US THAT IT WAS UP TO OCWEN TO GIVE US THE MODIFICATION LOAN. NOW THAT WE ARE 5 YEARS BEHIND NOW, AND OUR INTEREST RATE IS 13.5 % WE FILED FOR BANKRUPTCY A COUPLE OF TIMES AND THE MONEY THAT WAS PUT ON THERE, WAS SUPPOSED TO GO TO THE MORTGAGE AND THE TRUSTEES. WE ARE LIVING IN THIS HOME FOR 15 YEARS. AND I ASK THEM FOR A WRITTEN BREAKDOWN OF HOW MUCH WENT TO MY LOAN, THEY TOLD ME XXXX $ WENT TO THE LOAN AND XXXX $ WENT TO THE PRINCIPAL AND THE INTEREST RATE KEEPS GOING UP. THE LOAN THAT XXXX XXXX XXXX TOOK OUT WAS ONLY XXXX . NOW BEINGS THOUGH THAT THEY WAITED FOR US TO GET FAR BEHIND WE ARE NOW WORKING WITH A HOUSING COUNSEL AT THE XXXX HOUSE. HER NAME IS XXXX WE APPLIED FOR SEVERAL MODIFICATION LOANS AND THEY KEEP SAYING THEY CAN REFER US TO OTHER PROGRAMS THAT MIGHT HELP US TO BRING OUR LOAN CURRENT, AND THEY ALSO TOLD US TO PROBATE THE ESTATE AND WE COULD ASSUME THE LOAN. THEY HAVE NOT LET US YET TO ASSUME THE LOAN AND THEY WILL NOT GIVE US A MODIFICATION LOAN, NOW WE TRY TO APPLY FOR A HEMAP LOAN. THEY PUT OUR HOUSE UP FOR SHERIFF SALE 3 OR 4 TIMES AND THEN CANCEL THE SHERIFF SALE. EVERYTIME THEY DOES THIS IT COST US {$8500.00} NOW ITS GOING UP FOR SHERIFF SALE FORECLOSURE FOR XXXX XXXX. THEY GAVE US A RELATIONSHIP MANAGER TO SPEAK WITH AND HIS NAME IS XXXX WE ARE REALLY TRYING TO SAVE OUR HOME, AND HE SEND OUT ANOTHER MODIFICATION PACKAGE TO FILL OUT. NOW SINCE THEY WILL NOT HELP US WE HAVE AN OUTSTANDING BILL THEY SAY FOR {$86000.00} HALF OF THAT IS FORECLOSE COSTS ATTORNEY COSTS, AND I DONT THINK THAT ITS FAIR THAT WE CAN NOT GET A MODIFICATION LOAN WHEN US BANK AND OCWEN BANK DOES MODIFICATION LOAN THEY NEVER TOLD ME WHO THE INVESTORS ARE. WE SPOKE WITH THEIR ATTORNEY AND HER NAME XXXX XXXX AND SHE SAID ITS UP TO OCWEN TO GIVE US A MODIFICATION LOAN.WE NEVER HAD A MODIFICATION LOAN BEFORE. AND WE ARE ASKIN CAN YOU PLEASE HELP US WITH THIS MATTER SO WE CAN STAY IN OUR HOME. THANK YOU XXXX AND XXXX XXXX IF YOU HAVE ANY QUESTIONS YOU CAN CONTACT US AT XXXX XXXX XXXX THANK YOU