WillisBack/dataset-financial-user-claim huggingface dataset:
Navient removed me from the Income Based Repayment plan in which I had been enrolled following graduation in XXXX. They stated to me that I no longer qualified for regular IBR and would be required to enroll in the Revised-IBR. 
- Representatives and even the Office of the Advocate refused to explain how the Revised-IBR works nor why I no longer qualified for Revised-IBR - My payments have been artificially high and with this new program my husband was made to share in the responsibility for my loans but his name is not on any of them - The last time I took out a loan was for the XXXX academic year so I do not understand why I am being subjected to these new rules - When they first rejected my IBR request in XXXX, after I had already been enrolled in the program, my payment was set to exceed {$1900.00} per month - I was under the impression that I have the right as a borrower to enroll in the program of my choice. They denied my IBR request. Being forced into the Revised-IBR without knowing anything about it further violated my rights because Navient should have been able to provide an explanation as to why they were denying my participation in the IBR and forcing me into the Revised-IBR I just learned about the Revised-IBR approximately one week ago, after two years of struggling to lower my payments and filing with you previously for assistance. I discovered that this program is for individuals who are in high earning fields with an expected income that will at some point near, meet or exceed the loan amount. That is not me. 
- I am a XXXX and I have no expectation that my income will even be a fraction of the amount of my loans because I have not been able to find stable work in my field - I have been consistently XXXX or XXXX since graduation in XXXX - The shared responsibility places an unduly harsh financial burden on my family because my husband is a XXXX. To pay both his loans and my loans requires that we choose between buying food and paying our rent or paying my loan because we can barely afford his - We have XXXX kids in college now as well so our financial situation has changed even further Navient has also stopped communicating with me and I am no longer receiving e-mails regarding my account. I did find a document on my account that stated that my loan would be going up to over {$2000.00} per month which is more than a paycheck but this document was not sent to me. Now, I ca n't even find that document on the site.
I received a copy of my credit report and am disputing some items that need to be deleted. 

Name : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$500.00} Name : XXXX XXXX # XXXX Account # : XXXX Amount : {$720.00} The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ) ]. According to the provisions of 612 [ 15 USC1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below.
Hello, My original mortgage was with XXXX, who sold my mortgage to SPS. I am behind with my mortgage, but made a payment today. I am not in foreclosure and have been negotiating with them since XXXX XXXX on a modification. However, they are not modifying, just an endless loop of re-sending info. I have made an over the phone payment yesterday, got a confirmation number, but the funds were not deducted from my bank account. I called SPS today, and they confirmed receipt of the payment request, but said they had not presented it to my bank yet. As tomorrow is an important deadline at which they will send my file to an attorney for procedures if a payment was not made, I am so worried that they are illegally trying to foreclose. Here is what I found online : XXXX and XXXX Their history is terrible and they have been playing games since XXXX. What they are doing is scandalous. Please help!!!
this account was never late, and i have already tried to send letter that was provided by XXXX XXXX XXXX, but experian is not trying to help, the other XXXX bureaus have already removed this negative except experian, please have this negative removed from my credit on experian, the letter from the creditor is attached thank you
I have a private student loan through Wells Fargo that was originally {$12000.00}. I started paying on the loan in 2012 which was then 18,000. I, being a young, " not so intelligent '' person at the time did n't realize interest was accruing from the time I got the loan nor did I expect it to be as high as it is. I have now paid over {$5000.00} on the loan and about {$900.00} has gone to principal, the rest interest. The loan has an interest rate of over 11 %. I have tried time and again to get the rate reduced, or even my monthly bill reduced and they will not help me at ALL! I do have some credit issues that I have been dealing with for the past couple of years and recently had to file for bankruptcy. I am in the process of rebuilding my credit and I am really trying to get my finances in order. Wells Fargo has made it very difficult for me to make any progress, they continue to ignore my pleads for any kind of help and repeatedly tell me that they can not help me. I understand that I am responsible for this debt. I am fully ready to take responsibility, but I also believe there in no reason someone who makes less than XXXX a year should be paying that high of an interest rate let alone a {$200.00} a month payment. I have done my research and there are not a lot of options for someone in my position, I am hoping filing this complaint will give me some more insight on what else I can do. At this rate, I will be paying on this loan for years to come. Please give me some direction. It would be greatly appreciated!
I received a letter from Heartland XXXX regarding my Perkins loan. The letter states that I have till XX/2018 to make a payment or set up a payment agreement or my entire balance will be turned over to a collections agency. I did this today however the company now says it will be turned over to a collections agency anyway. I have completed my responsibilities per the information I had in the letter that I received and I feel the account should not be turned over to an agency. I am going to go through with my Payment agreement so it can not be said that I did not meet the requirements stated in the letter.
I am complaining in the strongest possible terms about the circumstances regarding my house insurance premium not being paid to date. 
5/3 Bank has absolved me of the responsibility of paying the premium myself through the use of your escrow system. My premium was due on XX/XX/XXXX last. I received a letter from XXXX informing me that our policy was about to be cancelled on XX/XX/XXXX at XXXX. Letter dated XX/XX/2016. I received the letter on XX/XX/2016. I was on the phone at approximately XXXX, only to be disconnected at XXXX by your customer service rep XXXX. 
I then drove to the branch in downtown XXXX at XXXX. 
I sat with XXXX while she went through phone queue hell. While on hold, she explained to me that there was a glitch due to the bank having changed escrow providers, she also pulled up an internal email explaining to the staff of this problem. Your customers, me, were not informed of any problems with this at all, I had to find this out on XXXX when I visited the branch. XXXX was then told that the check to XXXX was in process and would be mailed the next day ( XX/XX/XXXX ) I was also told by XXXX, after she got in touch with XXXX, that if a check number could be supplied, it would give me a 10-day extension. Of course, there was no check number available. I left the branch at XXXX I got a voicemail from customer service on XX/XX/XXXX at XXXX explaining that the check had already processed and that a next day delivery was not an option. 
I checked my insurance online today and still no payment to the insurance company. I then went to the branch in downtown XXXX at XXXX and spoke to XXXX , ( or XXXX ) We spent over an hour in the phone queue to the Escrow department. We found out that the check was not mailed out till XX/XX/XXXX. We got the check number so that I could forward it on to XXXX insurance, if they do n't receive the check on the XXXX. 
I left the branch at XXXX. 
What I would like is the following : An explanation as to why none of your customers were informed of this issue. 
An assurance from 5/3 Bank that it will assume any responsibility for any claims that may arise until the insurance is back in force and in good standing An explanation as to why I was lied to at the branch about payment being made. 
Compensation for time spent trying to rectify this issue, in my case, 3 hours at my overtime rate of {$36.00} an hour. This is time that I used in excess of my normal working day.
Wellsfargo services my home mortgage ( Loan # : XXXX ) from XX/XX/XXXX - XX/XX/XXXX. The first issue is that I was informed by the loan officer that I only qualified for a 20 year mortgage prior to closing after all of documents indicated a 30 year mortgage. The loan officer informed that I should pay on the 20 year mortgage for 6 months and refinance to a 30 year mortgage. I completed the process to refinance into a 30 year FHA mortgage in XX/XX/XXXX and the original FHA loan was XX/XX/XXXX. My second issue is that Wellsfargo requested {$3100.00} from HUD in XX/XX/XXXX by informing HUD that I was behind on my mortgage. I was not late or behind on the mortgage in XX/XX/XXXX. I actually refinanced the mortgage in XX/XX/XXXX from Wellsfargo to XXXX. I would not have been able to refinance the mortgage in XX/XX/XXXX if I was late/behind on the mortgage in XX/XX/XXXXas indicated by Wellsfargo to HUD. I was not aware of the {$3100.00} mortgage taken out on my home untiXX/XX/XXXX by the title company that is handling the sell of my home. I did not sign documents for the {$3100.00} mortgage. Finally, I am in the process of working with Novad Consulting due to Wellsfargo negligence of not filing the cancellation with the Clerk of Court office. I had to pay for the shipping for XXXX to XXXX me the cancellation due to immediate closing date on my home and I must pay the filing fee at the Clerk of Court to file the cancellation of {$3100.00} that was erroneously take out on my home in an effort to clear the title for sale of the home. I have attached the mortgage that was filed with the clerk of court in XXXX XXXX XXXX. Wellsfargo attempted to file the cancellation, but the mortgage was sent back by XXXX XXXX XXXX  Clerk of Court due to a president not signing the mortgage and Wellsfargo did n't send the corrected cancellation back.
We receive daily calls on our second, message-only, land line from XXXX XXXX XXXX. They call from multiple numbers ( so blocking doesn't work ) and don't leave any message. XXXX their caller ID name informs us that they are a debt collector. ( We do not have any debts and our credit score is excellent. ) We consider these calls harassment and want them to stop.
I have been disputing with Diversified Consultants, Inc against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that Diversified Consultants collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.
I was the victim of credit card fraud when I received 4 unsolicited and unauthorized CareCredit cards in the mail and charges were already made to the card in the amount of {$18000.00}. Synchrony Bank did not exercise reasonable care in issuing the cards or authorizing the charges. I also believe that Sychrony Bank and/or JC Penney had a breach that they have not reported to the public ( since that is the only other business I had with them ). 

On XX/XX/XXXX, I received 4 unsolicited credit cards at my home address, one issued in my name, the other 3 issued in the names of 3 other people I do not know and who do not live at my address ( each one had a different last name and none were the same as mine ). On the same day, I received a letter from Synchrony Bank advising of potentially unauthorized charges on these cards. They also advised that because I have a JC Penney card, I " do business '' with Synchrony Bank. During the call, I closed and blocked the unauthorized credit cards and my JC Penney card. 

On XX/XX/XXXX, I called Synchrony Bank and advised that I did not apply for or authorize these cards. I was advised that charges in the amount of {$18000.00} had already occurred on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ( before I received the cards or notification of unauthorized fraud ). 

Synchrony Bank was negligent in issuing unauthorized cards they did not verify and in allowing unauthorized charges on the cards ( especially since the charges were made without having the cards in hand and without direct authorization from me. I also believe JC Penney and/or Synchrony Bank had a breach of personal information since that is the only other business I had with them.
Approximately 2 weeks ago, XXXX Credit Bureau contacted Synchrony Bank regarding my credit card accounts, and allegedly provided information from myself stating all of my accounts provided by Synchrony Bank were fraudulently obtained. In turn, Synchrony Bank placed a restriction on my accounts & closed my most recent account, which totals approximately XXXX different retail cards. I 'm having an issue with receiving the CORRECT information on how to lift this restriction, as I am being told different, conflicting information EVERY single time I contact this company. I was first told I could verify my identity by text message being sent to my cell phone, then this changed to me calling from my cell phone number, then this changed to me calling from my landline because my cell phone number could not be verified as being owned by me, then this changed to me calling from my cell phone number but receiving an automated message for verification, then this changed to me sending documents via postal mail to verify my identity, then this changed to faxing these documents to a specific number. I have logged over 50 calls to this company 's credit card services, and as of today, Friday, XXXX XXXX, 2016, Synchrony representatives have yet to receive the documents I mailed AND faxed, leaving me open to facing possible ACTUAL identity theft since I have mailed and faxed personal identification documents to phantom mailing addresses & a fax number that allegedly have n't been received. While I can understand Synchrony 's action of restricting accounts until verification, the amount of incompetence and stress I am having to deal with to rectify this situation is absolutely HORRID!! It took them minutes to restrict my account, however it will take me-according to each representative-14 to 21 days to reinstate my accounts, which is utterly ridiculous. I know for a FACT that whatever alleged proof Synchrony Bank has from XXXX will NOT include ANY account I currently have with them, so that allegation itself is FALSE, as I opened each account in good faith and truth. It would not make sense for me to say an account is fraudulent when I have actually even used each credit card account issued. I need this issue rectified with the same swiftness used to restrict my accounts.
We closed on an FHA mortgage in XX/XX/XXXX, signing our closing documents on XX/XX/XXXX. Upon closing, we were informed of the functioning of an FHA mortgage, primarily the Mortgage Insurance on our loan. The closing officer informed us that the mortgage insurance would drop from our mortgage at 78 % of the value of the of the loan and pointed to the corresponding documentation in the paperwork. Additionally, I, along with my husband, mother and father whom we bought the home from, recall this information being verbally stated and showed to us in the closing documentation. <P/>In XX/XX/XXXX, we met the 78 % mark of the value of our loan. At that time, I contacted Quicken Loans to inquire as to why the Mortgage Insurance has not dropped off of our payment. Unfortunately, we were informed it does not ever drop on our present FHA loan, and we had the option to refinance if we would like. After reviewing my closing documentation, it was determined that the closing officer had us sign documents stating both the FHA guideline prior to XX/XX/XXXX and the new FHA guidelines. These documents provided conflicting information regarding the mortgage insurance requirements. As the loan holders, it is our primary concern that we should no longer be paying the cost of mortgage insurance past the 78 % of our original loan value, due to this being stated in a document we signed at closing. We, as the signees of the closing documents and not the producer of them, should be held to the lesser restrictive of the two documents/contracts. <P/>Since finding out we signed conflicting documents, Quicken Loans has been working through our complaint and concern for several months. However, as of today, there has been no resolution to rectify the mistake which would fully correct the situation without additional cost to us i.e. refinancing. The options presented to us are not satisfactory and do not monetarily compensate us for the cost of the mortgage insurance we are unrightfully paying and will continue to pay the duration of the loan. At this time, Quicken Loans is not honoring a signed contract with one of its loan holders, ourselves. <P/>Therefore at this time, I am requesting that Quicken Loans monetarily compensate us a total of {$2000.00} which is the approximate total amount we will pay in Mortgage Insurance past 78 % of our original loan value for the remaining life of our mortgage. <P/>We submitted a letter to Quicken. loans requesting this monetary compensation by today XX/XX/XXXX. However, as of approximately XXXX Eastern Time on XX/XX/XXXX, no answer to our request has been received. We did receive confirmation that our letter was received by our Client Relations Specialist as of yesterday XX/XX/XXXX.
I attempted to deposit cash into my father 's checking account at Chase bank. I recently moved and I am no longer able to drop off cash at his home. I was advised that I can deposit a personal check but they would put a hold on it. I had already gone to my bank to withdraw the {$1000.00}. They asked if I am a Chase bank customer and I said yes that I have a credit card with the bank. The teller said she could due a cash advance for a fee from my account. To me, Chase is just trying to make things harder for their customers to bank at their institution. This is a ridiculous rule that does n't really safeguard bank assets and it is wholly inconvenient.
Please cross reference CFPB Case number : XXXX. The account with XXXX XXXX XXXX loan number XXXX was completely ignored in the previous CFPB case. This account should have been removed at the same time as the other accounts in the previous complaint. Equifax provided no response at all to this trade line in their response. All of the accounts in Case number : XXXX should have been removed as they all became past due at the same time. 
( Also, Equifax did not remove XXXX account XXXX as they said in their response to the last complaint. I had to call on XXXX/XXXX/15 and have it removed after talking to a customer service rep named XXXX. Confirmation number XXXX. )
I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XX/XX/XXXXand another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Current Creditor : Phoenix Financial Services LLC XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of XXXX XXXX : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, XXXX XXXX XXXX XXXX had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXXXXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.