WillisBack/dataset-financial-user-claim huggingface dataset:
I am making payments towards Public Service Loan Forgiveness ( PSLF ) on my federal loans, and my loan servicer is XXXX  XXXX. I have submitted Employment Certification forms twice per years, which then initiates a count of the current number of qualifying payments. 

XXXX has not correctly counted the number of qualifying payments I have made on some of my loans. In XX/XX/XXXX I requested an official recount of the number of qualifying payments for all of my loans. I was told this process would take up to 120 days. 

It is now the end of XX/XX/XXXX and I have yet to receive a recount of my qualifying payments. I have contacted XXXX several times about this issue. My latest contact was today, XX/XX/XXXX, and I was now told there is no estimate for the amount of time it will take to recount my number of qualifying payments. 

I am requesting the CFPB to hold XXXX accountable to complete a recount of the number of qualifying payments I have made.
There was a previous complaint submitted that reported that AFNI did not provide sufficient validation of a debt reported owed. Upon receipt of this complaint, AFNI ceased reporting of the collection account and finally provided " validation '', however per FDCPA a copy of a billing statement is NOT sufficient validation. There are no documents supporting a contract between myself and AFNI.
my father passaway XXXX this year. unknown to me he had a XXXX mortgage that he paid religious for XXXX. as soon as he passing the mortgage start writing about forcloure. i now live in his house and is on XXXX. my father pass away with XXXX. he would not sign a contract with pathetic interest rate.the use to do people tax return ; he would not sign that contract if he was in is right mind.BOTTOM LINE I THINK THEY TOOK ADVANTAGE OR MY DADDY.i was his caregiver ; and i am his son. i am awaiting for his medical records to see when he was diagnois with XXXX. i talk to the vet hosital today and they told me it is in delay
I had autopay set up for my credit card to pay the entire balance on the due date. This had been working fine for the previous due dates. But my last due date, they changed the autopay to just the minimum balance. I saw the payment go through so then I paid the additional remaining billing amount on the same due date, which was a Sunday. Then BofA charged interest on my balance since the payment didn't post until Monday. I reached out to them and they credited my account for the interest, but I want this to go on the record because this probably happens to a lot of customers and they just pay the interest.
American Express placed me on a financial review and told me they would close my accounts if I did not sign a form that would authorise them to ask the IRS for my last two tax returns. I informed the customer service associate that I can't provide that. I am XXXX XXXX XXXX, and have only filed one tax return because I have been claimed as a dependent for my entire life. 2017 was the first year I filed taxes, as it is the first year I have held serious employment. However, due to school and personal issues, I used a lot of time off and my income last year was not as high as it is supposed to be anyway. My accounts are nearly maxed out, and if American Express closes my accounts, my credit will take a massive hit. I am planning on moving in with my partner into a new apartment in the next couple of months, and I will not be able to secure any kind of lease if American Express does this kind of damage to my credit report. I have been responsible and have never missed a payment, and this is the first time I have ever maxed out my cards, so I do not feel like I deserve to be treated this way. I have the ability to repay my debts over time, but I don't want American Express to cause catastrophic damage to my credit report by closing it without good cause, and still be required to pay off the closed accounts.
Before moving to XXXX from XXXX, I had paid off my XXXX ( formerly known as XXXX ) bills and closed my account. However, Equifax is reporting that I still owned {$120.00} and it was sent to collections. This is incorrect information and should be removed. I lived at XXXX and move to XXXX. I have attached a copy of the final bill from XXXX that shows my balance is XXXX.
XXXX XXXX XXXX, As Servicer XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom it May Concern, I am in receipt of US Banks Demand Notice dated XXXX XXXX XXXX. US Bank claims that {$550.00} is owed and you threaten legal remedies if payment is not made. 
I understand that the money is for traffic tickets and surcharges. These charges were only made after the lease was finished. 
As I have stated before, in written correspondence, all tickets that I received were paid promptly. The tickets were first sent to US Bank and then forwarded to me by US Bank. I repeat, all tickets that were forwarded to me were paid promptly. US bank certainly did not get a second notice as the tickets were paid promptly. At no time was I informed that a ticket was unpaid. 
At this point, US Bank is unjustly and in a threatening manner trying to extort money. Please stop this harassment.
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!
. I have been trying to work with Citi mortgage to obtain a loan modification to stay in my home. However they have not been willing to help me. There service department has lost my file XXXX different times and claimed that I never started a loan modification. They have issued me just in the last seven months XXXX different customer support specialist ( XXXX XXXX ) Which would not return my phone calls and would not return email in a timely manner. Out of the blue they pulled her out of the case and then we got ( XXXX XXXX ), which seemed to be very kind, understanding, and very accommodating. With XXXX, over the last several months we were able to get all of the documentation to her in order to complete the loan modification. XXXX indicated that she has submitted all the paperwork to underwriting department. XXXX gave me the reassurance that she would do anything that she could to keep me in my home. Citi Mortgage went ahead again and switched customer support specialist to ( XXXX XXXX ) which will not return our phone calls or emails. I have called her everyday, I was lucky one day and she actually picked up the phone. She asked my information and my loan number, as soon as she identified who I was she stated that she was on the other line. It has been over a week and I have still have n't heard back from XXXX. I just received a letter from XXXX and XXXX, which is a firm that has been retained to conduct a non judicial foreclosure sale. I am absolutely shocked, I was just told thirty days ago that all of the paperwork that I submitted looked very good and they were going to do anything to keep me in my home. Now my case has been sent over to a law firm for foreclosure proceedings. I know this is definitely against the law, and they are commiting fraud. they have not tried to help me, they do n't communicate with me, they keep switching my file around to different individuals within the company with no resolution.
This is being sent in response to notices sent to me from " SYNCB/CARE CREDIT '' '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address.I have requested for VALIDATION and PROOF OF CLAIM Several times. So again for my THIRD request, I ask that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming SYNCB/CARECR as an entity entitled to enforce a commercial claim against me.
Hello- I have a student loan with Navient XXXX The account is reporting on my credit report twice. One I am paying and is current on and another that is closed. On XXXX XXXX, XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. Navient closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!
My main issue is stemming from the fact that I applied for a Refi from my Lender and it was completed. After the XXXX Mortgage was Paid in Full the Lender went into my impound acct and took out a PMI payment after the Loan was already showing as paid in full. I was under the impression that the Loan Payoff would have included any and all associated costs with the mortgage. It makes no sense to me that you would pay off a Mortgage and then get a bill for PMI. The Lender stated that the PMI was paid in arrears however at Loan Origination I paid a full year in advance so it seems like it changed at some point. The Lender also failed to obtain the correct amount that was due for Taxes and after the Settlement of the Refi they went back into my impound account and took out money for Taxes that should have been included in the Closing. The Lender has researched and basically stated we have no recourse and tough luck. I do not agree and feel that the Lender is underhanded and not transparent in their transaction not to mention that {$7000.00} in fees to Refi your own Mortgage is predatory. I mean really how can you charge and Escrow and Sub Escrow Fee and then charge a Courier Fee and then another Fee for XXXX. I was under the impression that XXXX was a Courier.
I called Chase Freedom on XX/XX/XXXX and asked if they also had a 0 % interest promotion they could activate on my account, like the one I had just activated on my XXXX for the next year. The agent advised that it had been activated and would carry through XX/XX/XXXX. I was very pleased with the quickness of the activation. I assumed that it was through XX/XX/XXXX, like XXXX 's was, and immediately switched to this as my primary card. During the holidays, I set up auto payment for minimum amount due, not worrying about interest based on the phone conversation. On XX/XX/XXXX, I reviewed my statements and noticed I was being charged 12.99 % on all of my purchases and the activation I was promised had never been activated. I called Chase to see if they could rectify the situation. On XX/XX/XXXX I was contacted by the Chase Bank with a " resolution. '' I was driving and unable to write down the exact details. She had reviewed the call and was offering a resolution. She advised me that the agent on the call had " misunderstood my question. '' She said the agent thought I was asking about a quarterly promotion and not the 0 % promotion I had clearly asked about. She stated there was " opportunity '' on the call for the agent to have been more clear and to have listened better. She offered as a courtesy to refund 2 months of interest, but advised I will immediately, on my next billing statement due date of XX/XX/XXXX,  have to assume responsibility for the 12.99 % interest, ( approximate {$90.00} a month, ) until I am able to pay the bill down. This is not what the original agent had agreed to. This is deceptive and unfair. I could have placed all of these charges on my XXXX and be enjoying 0 % interest, if their agent hadn't " misunderstood me, '' and provided an incorrect answer to my question. I also wouldn't be spending my free time trying to rectify the issue, first with the bank and now through you. My time has value. The person who called me back advised that I must not have heard the agent say that it was and XX/XX/XXXX through XX/XX/XXXX promotion and so it is my fault for not listening closely enough. Now, if I want to transfer the balance to my XXXX I would be responsible for a 3 % transfer fee. So, I'm left paying either a transfer fee or a monthly interest fee of approximately {$90.00} because of their agent misunderstanding my question and providing me incorrect information. I am not able to pay the balance off immediately and this is due to the bank agent 's error. I am hoping you can help me reach a fair resolution. Thanks for your time in processing my complaint.
CMRE Finance. XXXX XXXX. {$94.00}. 
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.
can not get a transaction listing from Citi. I need a transaction list of my account. The transaction list will show my activity in my account. I believe there is some fraudulent activity, Identity thief or errors in their account receivable and accounts payable. My bank and account will send op to ten years of data, site refuses to send any data. 
I need to check for fraud to end a dispute I think this is the only way to periodically check for hacking of ID theft, banks and other financial institution seem to readily provide their customers transaction information at any time, why wo n't CITI? Such activity allows citizens to assist in law inforcement
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX XXXX XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX {$46000.00} XXXX XXXX XXXX # XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX $ XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX XXXX # XXXX NO SUCH DEBT OWED REMOVE AS REQUESTED SEVERAL TIMES XXXX XXXX ORIGINAL DLA IS PAST THE STATUTE AND YOUR COMPANY HAS SAME ACCOUNT LISTED TWICE WHICH IS A DUPLICATION REMOVE AS REQUESTED SEVERAL TIMES
I previously have had an account with PNC Bank they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud they never once advised me it was closed for fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. They told me that the account was closed for a charged off balance. I am not disputing that I owe the bank but them saying its fraud when they did not once notify me of this and they are unwilling to correct this is an issue
The Coinbase company states it has completed a payout to me of {$210.00} to my bank XX/XX/XXXX, which would be estimated to be in my account by XX/XX/XXXX. 

I have not received any money, email, or response to my 10+ email requests sent in to resolve the issue.
I have been disputing an error ( XXXX XXXX ) on my credit report since XXXX. The other agencies have resolved it but Equifax refuses to nor will they provide me any documentation showing the debt is mine. I am trying to obtain a mortgage and now XXXX has changed the date to show the account was opened on XX/XX/XXXX. I have repeatedly filed disputes with Equifax since XXXX and I do not believe anyone is even investigating. Something since XXXX should be resolved by now. I can not believe they changed the date like that with NO proof or documentation? I am upset as this is affecting my interest rate over a debt that I do not owe. I do not want to to go through this for another 10 years.
I first contacted Coinbase/XXXX, which are two affiliated exchanges, on XX/XX/XXXX to ask that they provide access to my XXXX   account. Among other reasons, I need access to my XXXX  account to obtain my virtual currency transaction history that is necessary to complete my tax return. After numerous emails and phone calls with Coinbase/XXXX throughout XX/XX/XXXX and XX/XX/XXXX ( emails attached ), they have still failed to resolve this issue and still have not restored account access. Instead, they have sent me multiple irrelevant boilerplate emails regarding declining to give tax advice ( which I never asked for and has nothing to do with my issue ). At one point, they informed me in anXX/XX/XXXX phone call that they had wrongly cancelled my support request without informing me and for no given reason. They have also stated by phone that their phone support staff are unwilling to communicate with the technical staff members who can fix this issue.

I have informed Coinbase/XXXX multiple times in my emails and by phone that restoring account access was time sensitive so that I could complete my tax return. Despite this and despite the numerous communications I have had with them, they took no steps to resolve this issue and I have been forced to file a tax extension with the IRS. Because this issue is still unresolved, I may be unable to file a complete and accurate tax return even after this extension due to Coinbase/XXXX 's actions. I believe that Coinbase/XXXX 's actions constitute obstruction of tax compliance, a federal crime, and their actions are putting me at risk of facing tax penalties or other IRS action that is solely because of Coinbase/XXXX  's knowing failure to address this issue. I am requesting assistance dealing with Coinbase/XXXX so that they will resolve this issue immediately and restore access to my account so that I can obtain this transaction information necessary to meet tax requirements.
I am requesting that TRANSUNION remove tax lien # XXXX that is listed on my credit report in the amount of XXXX. 

The attached tax lien only shows the last 4 digits, no  dob, and an address that I 've never lived at. The XXXX XXXX XXXX XXXX ( XXXX ) states liens must have a full name, address, SSN ( full SSN, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the XXXX new rules that went in effect XX/XX/XXXX. In my last dispute in XX/XX/XXXX, I added a note to TRANSUNION which stated that it does not meet the new XXXX XXXX rules, but they did not remove it. 

I 'm requesting CFPB 's assistance in getting this tax lien completely and permanently removed from my TRANSUNION credit report. 
Thank you!
I closed my account with XXXX XXXX ( New York Community Bank ) because they charged excessive multiple NSF overdraft and other fees. They claim I still owe them but I closed the account after XXXX out the balance. They continually are harassing me over XXXX that they claim I owe. They are even reaching out to family members who have nothing to do with this. Please stop their unending harassment by XXXX XXXX ( sp? ) who is calling from XXXX
Trans Union, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
I have a home mortgage through Franklin American Mortgage Company in which automatic payments were set up. Each month I would receive a statement that the payment was accepted. My last payment was XXXX/XXXX/16. On XXXX/XXXX/16 the next payment was due but was not drafted from my account. When I noticed the mortgage amount was not completed, I logged into Franklin American Mortgage and my balance was {$0.00}. I was never notified of any changes. When I called Franklin American Mortgage, the automated telephone just told my that my loan had been transferred and hung up. I am trying to pay my mortgage and do not know where my mortgage was transferred to.
A Walmart credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing
On XXXX XXXX I submitted a complaint concerning a mortgage loan with Bank of America. 
I would like to submit additional information I received after XXXX XXXX, 2016. It involves a letter from BOA concerning collateral and insufficient funds. 
The documents I am providing will show BOA claims to be untrue. The banking statements will show there was adequate funds available.
We had our ca payment in the bank that was the amount due on the car. They failed to take out thr money saying it was an error in there system. My brother in law had just recently passed away and we notified them about it and were going to pay them this friday the XXXX of XXXX. They have been calling more than 3 times a day sometimes up to 7 times a day. We had notified them that what they are doing is harrasement and i dont think it will stop. Me and my wife both work but we have been going thru personal issues as well and they dont seem to understand that. I have been recieving phone calls sonce last week they were even calling on the days of the wake, the funeral and the memorial service me and my wife were attending for her brother. I just feel like they are harrassing they are also harrasing my references.
I have been contacted by Gulf Coast Collection Bureau , Inc. of XXXX, FL about XXXX alleged medical debts I 'owe '. 

I have requested verification and all I received was the same 'bill ' they keep on sending me ( both before & after verification request ). They have not and can not verify the debt as I DO NOT OWE it. 

I have not been to the company they are saying I owe. I need help getting this collection company off my back and to delete all the collections they have placed on all XXXX national credit bureaus. They are illegally hurting my credit and it must stop.
I bought a used car from  XXXX  in Nevada and they created a retail installment contract and sold it to or made i t Capital One Auto. I fin d this relationship to be inappropriate at the least, incestuous at the worst and definitely illegal in the state of Nevada.  XXXX  is not a member of any Nevada  State Financial Institution . The contract was between  XXXX  and not Capital One Auto Finance and according to Nevada law a vehicle finance business must be licensed under  XXXX   XXXX  and  XXXX   XXXX . Making the original contract one entered with  XXXX  and not  Capital One Auto  to enforce any repossession as the seller was  XXXX . This incestuous relationship limited me from the appropriate selection of loans as  XXXX  only offered Capital  One Auto option creating wealth for the dealership and Capital One  which is also illegal in Nevada.  Capital One  extended the loan which also changed the original due date but the installment or electronic payment was recently voided without my consent. I specifically said on a recorded line that I did not authorize this change. This brings to the forefront the illegal actions of reporting false information to a financial institution, a federal crime that was repeated twice by  Capital One Auto.  The stipulation of the original contract are no longer enforceable. I am requesting the recording of this false documentation to be played in order to prove the lack of scruples on behalf  of Capital One Auto. T his is all illegal in the state of Nevada and also highly illegal on the federal level. The retailer taking profit from loan, the denial of my request for my loan information during a transaction verification call is against Federal Reserve  Law,   Financial Modernization Act, Equal Credit Opportunity Act and Truth in Lending Act.