WillisBack/dataset-financial-user-claim huggingface dataset:
This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX  and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX  were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your  Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.
Always pay my Amazon Chase Visa account online. On XX/XX/2016, I tried to access my online account to pay my account and found that it had suspended because of recent activity. It recommended I call the number on the back of my card. Doing so ensured an hour of transfers to various " fraud representatives '' that cited the same written retort. Your account has been suspended due to fraudulent activity. Public questionnaire was for some other persons information, therefore, failed to authenticate. Personal questions to identify me as the primary account owner and legal authorized user were disregarded ( as in they refused to ask me those identifying questions ). Finally, admitting that the account was suspended due to activity on XX/XX/2016 - the activity was a call made to Chase questioning a charge, now my account is suspended! Exhausted with the circle of lies and transfers that ended with every representative talking over me instead of listening to the issue, I requested that my card be canceled - amazingly they were did cancel my card even though they can not identify me as the actual authorized user but refuse to send me a statement showing charges on a {$2500.00} credit card bill that now needs to be paid in full by XX/XX/2016. 
Truly, if my account was suspended due to suspicious activity then why did n't they call, email, text or suspend my card so that charges could n't be made?
Reviewed my credit report and their is a fraudulent and unauthorized credit inquiry listed on my Equifax credit report. The following credit inquiry is unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/2016. Furthermore, I want the following addresses removed from my credit report, I have never lived at the following addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX
My student loans for my teacher credential program were taken out in XX/XX/XXXX. I have now worked for 20 years as a XXXX XXXX XXXX in XXXX XXXX  setting. 
I have paid on these loans since I completed my credential program and owe {$8700.00} as of this date. I completed the loan forgiveness paperwork in XX/XX/XXXX and AES replied that my application was incomplete. I finally resubmitted the application with copies of my credentials in XX/XX/XXXX. I again received a letter stating that my application was incomplete. I again sent in the copies of the application and my XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received notice that my application was incomplete because " the documentation you submitted to our office indicates that you teach science or math in a secondary school. If, so please submit a copy of your full sate certification ... '' As stated above, I do NOT teach science or math, I XXXX XXXX XXXX. I am sending a letter to AES in response to this along with all the documents I sent in XX/XX/XXXX, but I am extremely frustrated with them and view this as a attempt to deny the loan forgiveness I am very much eligible for. This is either incompetence or obfuscation.
Called in to speak to NMAC Nissan acceptance motor corporation after payment submitted didnt go thru. They stated they could not take payment over the phone so I paid on their app. I fixed the billing information and submitted a payment. Now it is showing past due over 30 days and reporting on my credit and my husbands. We revieved no email or notification the payment did not go thru the second time after correcting the billing info. Made a payment XX/XX/XXXX as soon as I found out this didnt go thru. No it is pending and when I called in they were very rude and even hung up on my husband. Im trying to get this resolved as I have had the money in the account and paid it. I do not feel this is fair to have a late charge and this hurt our credit when they did nothing on their end after our payments were sent.
I have had my student loan serviced by XXXX and then to Navient and I have not had the balance go down/decrease in over 9 years of repaying. I believe the accounting of the loan is being mishandled specifically by Navient and/or XXXX. I have spoken to representatives of Navient numerous times and they have not explained to me how this is possible. A representative told me he would provide the accounting calculations to me in writing and I have not received those documents. I have been paying consistently close to $ XXXX/mo for 8-9 years which should calculate to be about {$80000.00} however my balance still remains the same. In fact every month after making the payment of {$900.00} my balance goes up every month. I am in a " payment plan '' that is impossible to pay off therefore the agreement between Navient and I is unconscionable and fraudulent. I believe the CFPB should investigate my case fully to uncover the underhanded practices of Navient as I have been paying my student loans diligently for almost ten years and not getting any progress.
I have a first mortgage with Ocwen Loan Servicing LLC . my payments are due on the XXXX of each month with a grace period without an additional fee on the XXXX. Due to my payroll schedule and other bills that re due before this payment I choose to make these payments on the XXXX and sometimes a few days sooner. I always use my online bill pay to make these payments and receive confirmation that the bills are paid from my lender. Sometimes, but not consistently, I receive notification via email that my payment was received by Ocwen. However, recently, as of about 4 months ago, I have been receiving letters in he mail from Ocwen looking for remittance on my payment. The letter offers me credit counseling services and at the bottom states : " this communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect debt. '' I am not in default, in fact my payments are made each month without a late fee. Since I am allowed the grace period, I should not be harassed by these letters of collection. When I get these letters I worry that my electronic bill pay was not processed timely until I check my account. I would expect such a notice if my payments were currently in default or extremely past due, which they are not. These letter should be sent on a case by case basis, not as a general mass mailing and only for those that show as delinquent. I am aware that my payments are calculated based on the XXXX of the month and there may be additional interest added to the term of the loan. But I am given the right and the option of a payment made on or before the XXXX of the month without a late fee. Do you send these letters out to people that make their payments on the XXXX, XXXX, XXXX, XXXX ....? Technically anyone who falls within that grace period would be receiving these and that is not right. We are aware of the terms of our loans, trust me, if we incur a late fee it definitely makes us aware. I 'm sure you have customers in default to the point that they are in the foreclosure process. I do not qualify as part of this group. I would like the notices to stop.
XXXX XXXX 2017 Amount : {$800.00} Received an offer via mail from Big Picture Loans for an {$800.00} loan. When I applied online, I immediately received a phone call from an agent representing Big Picture Loans. This agent had me on the phone before the loan application was complete, and persistently instructed me to hit complete for the loan while not disclosing the loan terms. This agent, nor the application process or acceptance process, failed to inform me that the APR was 664.6513 %, nor did the agent inform me of bi-weekly repayment for the loan. It was n't until after the loan was completed that I had access to the " Truth in Lending '' form from this company. Due to all of these factors, I feel I was falsely given information in selecting this loan.
I am a victim of identity theft. Someone stole my personal identification information and opened fraudulent accounts. They are : XXXX XXXX XXXX XXXX and XXXX XXXX. I filed a police report with XXXX Police Department ( police report no : XXXX ) and sent that document to XXXX, XXXX, and Equifax asking to block and removed these fraudulent accounts. XXXX and XXXX blocked the fraudulent accounts, but Equifax refuse to block fraudulent account. I called to Equifax fraud department many times and no one could help me to resolve this problem.
I have been diligently working on a loan modification for the last 2 years. I fell into a hardship in XXXX and was working with the bank for assistance. I hired a XXXX party to guide me through the detailed modification process. We provided all the requested documents and stayed on top of deadlines. After a year of working directly with the bank they denied the modification. I then had fallen into foreclose status which I was trying to avoid. They advised me to apply for XXXX. I have applied twice with the program, once in XXXX which was denied and again in XXXX. I was approved this last XXXX XXXX for assistance. XXXX provided the bank with the approval. I met all the requirements XXXX needed to assist me and get my loan back in good status. They bank needed to modify my loan for the assistance to be accepted. This would have brought my loan current and a lower payment so I could start back making payments. The bank refused the assistance stating that the home had too much equity and they advised me to sell and pay off the loan. I am a single mother with XXXX children that live full time with me. I was granted the house through my divorce in XXXX. I had maintained this responsibility up until XXXX when my XXXX older children became of age and my child support ended. I am XXXX and the economy hit at the same time my fund were reduced. My hardship has improved and I would be back on top with the banks approval along with the government assistance. I have a lengthy paper trail of my commitment to keep my home. I was been advised by the bank every step of the way. Every option they asked me to follow I did. I have spent a solid 2 years consumed with following their direction. I find it unfair and unethical that they will not provided the help that I have proven with documents that I qualify for.
XXXX XXXX of XXXX, FL XXXX XXXX XX/XX/2017 auto loan. Did not give permission for this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry XXXX  Card XXXX XX/XX/2017 Did not authorize this inquiry I have put a freeze on my credit reports with all 3 credit agencies because companies are doing credit checks without my permission via the internet. i am trying to improve my credit to get a house and this is hurting my credit scores
Mortgage is held by Carrington Mortgage Services in California. Have had many problems. Filed a complaint 2 years ago. Still no resolution y et CMS contin ues to harass me and is trying to foreclose on my house. See attached complaint.
There is an account from a place called RENTDEBT AUTOMATED COLLECTIONS ( ORIGINAL CREDITOR XXXX XXXX XXXX ) for an early lease termination opened XX/XX/16 for {$2500.00}. 
IT IS NOT MINE. I HAVE NEVER LIVED IN XXXX OR EVEN VISITED. I DO NOT HAVE ANY XXXX DRIVER LICENSE. 
I have contacted BOTH the original creditor and the collection agency to ask for proof that this is my debt necause it isnt. I have asked for copy of social security card and driver license used to apply and process the application. Neither company has this information. all they claim to have is an application in my name and social security #. Anyone can fill out an application with your info but that isnt proof that it is my debt. I want PROOF of the identification used to open this account and they dont have it. 
I am asking it to ve removed from collections and removed from my XXXX credit reporting agency and XXXX XXXX and XXXX credit reporting agencies. 
I HAVE NEVER LIVED IN XXXX AND HAVE LIVED AT MY SAME ADDRESS IN XXXX  FOR THE LAST 9 YEARS SO IT IS IMPOSSIBLE FOR THIS TO BE MY ACCOUNT.
On XX/XX/XXXX, I requested a credit line increase on my Capital One credit card, which I have paid faithfully and on time since opening it XX/XX/XXXX. The attached letter is dated XXXX XXXX, which is strange because it was n't available anytime this weekend, leading me to believe that a computer made the decision and not a human being. The reasons stated is " Payments are too low. '' What in the world is that supposed to mean, and on what basis is it made??? XX/XX/XXXX I transferred about {$400.00} over to their card and a 0 % interest rate, meaning that if I do n't be the balance off in full during the promotional period, they reap the benefits of being able to charge me a higher interest rate. 

Additionally, earlier today, XX/XX/XXXX, as a result of their decision, I attempted to call Capital One to opt out of any further solicitation, since I will limit the use of their card in the future. All I got was a string of disgusting doubletalk from a very rude representative, who did n't tell me whether they would actually opt me out or not. I concluded the conversation with this rude XXXX, who acted more like a robot than a human being.
I have four student loans with Navient, previously they were with XXXX XXXX but were switched. When I took the student loans out I was informed there would be different repayment options and if I do get behind on a payment I receive phone calls stating that they can help me lower my payments and to discuss my options. I call and they never give me any options or help to lower my monthly payments, they tell me there is no other options. My mother, who is also a co-signer, has called also to ask about my options and they tell her the exact same thing.
I had loans that went into repayment at XXXX different times. When the XXXX loan went into repayment, the monthly payment was way more than I could afford. I wanted to apply for the income based repayment plan. The representative from Navient said that she would put my loans on forbearance for 2 months until the results came back from the income based repayment plan. She did n't help me at all and my loans were in forbearance for a year!
We deposited a check into our business account. The check was rejected due to an internal issue with the issuing bank. That issue was explained to the receiving bank, Suntrust Bank. The funds were also released by the issuing bank to the receiving bank, Suntrust Bank. They refuse to release the funds and no one seems to know why. The rep that closed the deal the funds came from was not paid and has been evicted from her apartment. Suntrust bank continues to give us the run around and we 've done everything to verify the validity of the transaction. The issuing bank has also verified the validity of the transaction, yet our funds are still being held by Suntrust Bank.
Quality Asset Recovery ... # XXXX hasn't sent any correspondence in regards to this debt or responded to letters i've sent. Quality Asset Recovery isn't bonded to collect debt in Georgia.
On my credit report it shows multiple open accounts by Alpine Credit. I attempted to contact this agency at which time they informed me that these accounts were at closed status, however Communications between reporting agencies and this company are not happening and my credit is suffering, I need to know how to go about removing these erroneous statements for my credit report showing as an open collection when they are actually closed, please inform me on what to do before I have to find or pay for an attorney if I do n't have to. 
Thank you, XXXX
Often the programming within the bank 's website requires me to reset or reestablish my online banking password. Unfortunately, due to this four times I have had to either go into a store or wait until I was able to establish the account details accordingly. I have received four late fees but Victoria 's Secret Comenity Bank has only refunded me one of the four late fees assessed.
I HAVE BEEN DEALING WITH THIS PROBLEM FOR A FEW YEARS NOW AND THEY CONTINUE TO HURT MY CREDIT
I have a long history fighting my bank ( BBT ) trying to OPT OUT of overdraft fees. In fact, previously, I could 've ( and should 've ) filed prior complaints regarding their irresponsible actions. But I let it slide each time because the fees were n't excessively crushing and they promised me the mistake would n't happen again. Today that changes. I called in early XX/XX/XXXX of this year ( did n't record the exact date, but they have the date in their system ) and pleaded with them to opt me out of overdraft fees. I called the BBT branch located in XXXX on XXXX XXXX XXXX and spoke with XXXX XXXX, I believe ( XXXX ). She told me that she was n't allowed to opt me out of overdrafts with her over the phone, BUT she told me she would make an exception for me and that she would opt me out over the phone. She said that all I had to do was " come into the office sometime in the future and sign a paper ''. Fast forward to XX/XX/XXXX and XX/XX/XXXX and I find out I was charged for {$210.00} in overdraft fees, resulting from XXXX purchase ( XXXX subscription {$14.00} ) which caused my account to go to - {$5.00} ( approximately ). I was charged {$210.00} for this overdraft, even though BBT policy states {$36.00} per purchase going into the negative. I went to the XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX ( I had lost all faith in the bankers located at the XXXX address ). I described to him this entire situation and he looked up my records in his computer. He read out to me the following statement from the records he had regarding me and the phone call I had with XXXX XXXX : " Client was told he was opted out ''. XXXX XXXX  had proof right there in his system that I had been told I was opted out, even though it obviously was n't true due to my {$210.00} in overdraft charges. He still did n't provide me with a refund, and he told me he had to forward this information to his " back office located in XXXX ''. This meeting with XXXX XXXX took place XX/XX/XXXX at approximately XXXX. I received an email from XXXX XXXX on XX/XX/XXXX " Hey XXXX, sorry for the late response. Regretfully it was deemed by the back office not a bank error. They said they spoke with the manager of the XXXX branch and that they said you were told on a number of occasions that you would have to go into a branch or ATM in order to Opt Out. I am sorry. If you would like that manager 's name I would be happy to get it for you. ''
XXXX is reporting XXXX collection accounts on my credit report. I have contacted the company requesting the production of documentation that I signed binding me to the XXXX debt. They can not produce any such documentation. The XXXX alleged account are causing harm to me. I believe my medical information has been released with out my consent. On the billing statements it lists dr ' s office, type of dr , and what services were preformed. I do n't want that information out there. And they re age the accounts. The account numbers on the statement do not reflect those on my credit report.
Requested possible solutions to avoid foreclosure. Opted to apply for a loan modification before trying a dead in lieu or short sale. 

I have never heard back from the Service Company about the Loan modification application, beyond requesting a form to be filled and signed for credit check. Filled, signed and sent in promptly. 

Receive letters from loss mitigation department, call get no response. Leave multiple messages asking for options other than foreclosure and outcome of loan modification application. Never get a return phone call from them. 

Received yet another letter from loss mitigation date XXXX XXXX, call and get no response. Shuffled into the same voice mail box, requesting options other then foreclosure and the status of the loan modification application. Receive certified mail informing of a foreclosure auction date for the end of the month. Letter was signed 2 days prior to the loss mitigation letter. 

I 've still never heard back about the loan modification application. From what I understand, they need to send a denial reason by mail, which was never received. From what I understand, they have to make a good faith effort to work something out when we are all looking for a better option than foreclosure. No return call or letters about the modification do n't sound like an effort on their part. 

All we want is to postpone the foreclosure date and work on another option with the Service Company. Short Sale, Deed in Lieu or traditional sale as the value of the home is hire then what is owed. Homes in this area sell fast and often well above asking price.