WillisBack/dataset-financial-user-claim huggingface dataset:
Should have qualified for the PSLF program XX/XX/2017 In lieu of working for the XXXX XXXX XXXX for over 10 years and making timely monthly payments all along. After my application for the loan forgiveness was denied I was told that because I'm married and filed my taxes jointly with my spouse then my repayment plan should have included her income too. This was never disseminated to me, never posted on the loan providers website, nor ever mailed to me throughout the years I've been paying my student loans. Four different providers have had ownership of my student loans over the years and never did any of them alert me of this. The prerequisites were to work for a public service employer and make 120 timely payments to qualify for this loan forgiveness.

After being denied the loan forgiveness I called the current loan service provider and asked that they provide something in writing verifying when I was notified of the type of repayment plan I should have selected to be granted this forgiveness. They never did. I submitted a complaint to my Congress man and never received a response from his office. Followed up with the loan service provider and asked them to provide to me in writing how many more payments would I have to make if I transitioned to a repayment plan that included my wife 's salary too to be eligible for the loan forgiveness. Over a year later they still haven't provided anything to me in regards to this inquiry. Spoke with supervisors and still no tangible information has been provided.
Equifax used improper network and data security practices that resulted in my personal data being leaked to individuals of ill intent. I should be able to trust a credit reporting agency to take appropriate security measures to avoid compromising the identities and personal financial security of it 's customers.
In XX/XX/XXXX i received alert from XXXX that XXXX added a new account on my credit as a repo as if the repo had just happen, the repo was normal done in the later part of XXXX, but XXXX all Credit acceptance to report a XXXX repo as a freshly repo for XX/XX/XXXX dropping my score 53 points, and this was not a newly repo it was on my credit report before and i got it removed for inaccurate reporting from the company and XXXX before, so they added back this time as if it was new not as it was on my report before it was removed, the things i cant understand is that XXXX say they go by policy and procedures but when does it apply when its finacial benfincial to the company and XXXX are for the consumer, XXXX  does not get true and accurate information from the company before reporting they just trust the company to report whatever they want damaging the consumers credit file and not caring, XXXX and XXXX has delete this account per the credit acceptance and also as a early exclusion the two companies states that the file will not report on my credit because of the age of account, but XXXX   allowing the company to report inaccurate information on consumer report dropping my credit 53 points as a new repo when it was once on my credit before and remove for the same reasons
Transunion, XXXX and XXXX are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>
According to Equifax, my information was released as part of their data breach. While they have set up the option for credit monitoring, I need to proactively sign up and the terms of service for that service includes a clause that appears to be intended to limit class action lawsuits. That is outrageous and should be illegal in cases of security breaches.
I requested an application for a morgortage and when the application was received it had already been filled out. It had information regarded another individual such as their name, number, address both current and pervious, it contained their place of work, and social security number. I then contacted the morgortage consultant and explained it had all this information in it and he acted like it was no big deal, that I had another person social security number.
On XX/XX/2016 I contacted Equifax credit bureau. Spoke with a representative concerning why my credit score as to why I had lost XXXX points on my score. After I reviewed it from XXXX XXXX the night before. The representative could not answer why and basically just said that XXXX XXXX is n't always correct. In which I informed her that Credit Karma gets the information from the credit bureaus, because I seen an inquiry from XXXX XXXX on my Equifax report dated XX/XX/2016. She could not tell me why my credit score was XXXX points less than it was 2 weeks ago. Although I have paid off a student loan recently. So I asked to speak with a supervisor an she could not explain to me why my credit score had dropped XXXX points as well. I asked her to fix my score, Inwhich, her reply was she could not. I said to her but you took XXXX points from my credit score and you do n't know why and you ca n't fix it. Than she proceeded to say that it was because of a dispute with my mortgage company in which that never occurred. I have no dispute because I 'm paying my mortgage on time and I know that does not bring down a score. I asked her to send me the credit report that shows there is a dispute from me on it concerning my Mortgage company.
I recently came to know from XXXX that there was an hard inquiry reported by Equifax that was not authorized by me. 

Details : Date of inquiry : XXXX XXXX, 2016 Name of inquirer : XXXX XXXX XXXX XXXX : Equifax I did not authorize this credit check.
Back in XX/XX/2017, Navient stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.
XXXX XXXX XXXX has been allocating purchases as cash advances and improperly charging cash advance interest and fees towards the purchases as if they were cash advances. This has taken  place for the last 10 years and only recently did I notice the issue on my statements. I contacted XXXX XXXX and obtained statements dating back 5 years which show the purchases being charged as cash advances. In addition to paying cash advance interest and fees, XXXX XXXX has also been reporting the inflated balance on my credit reports negatively impacting my ability to obtain credit and loans. I have consulted with an attorney and will also be taking legal action against XXXX XXXX.
I have previously disputed an account with diversified consultant and it has been removed and put back on with no notice. This account they have isnt even in my correct last name. I called and spoke with XXXX on XXXX/XXXX/16 at XXXX who confirmed there was different tel # s associated with this account but could not be removed. This has dropped my credit score in the midst of me trying to build it. Because of this collection I was denied to continue with a credit union.
I opened an Amex Serve with my linked checking account. Several weeks later I funded with {$300.00} via checking and sent to a friend. A week or 2 later I loaded {$500.00} cash at a local XXXX which is advertised as instant funding method ( to get away from the 5 day hold my first funding method took ). Minutes after the money was available in my account they closed my account. They wo n't give me any info and said they do n't discuss closed accounts. They said my {$500.00} is going to the state of New Jersey where I live in 6 months.
After my complaint was filed with the CFPB. Expierian did not respond with the METHOD OF VERIFICATION as requested in my certified dispute letter dated on XX/XX/XXXX. Experians solution was that I contact the Agency about the incorrect data. I agree. That is why my certified letter requested names and phone numbers of individuals reporting the inaccurate unverified information so that I may contact them. Experian referenced the FCRA. If the Agency can verify the information why was my credit file not identified as disputed 30 days as per the FCRA.
This is the second complaint being filed for this account. We submitted a loan modification and it was denied due to income as the lender in this case used income from 2 years of tax returns and not from the bank statements and profit and loss that was sent to them. After my dispute I was told they are allowed to calculate the income this way and my case with the lender was closed with no resolution. I was told to resubmit the file in which I did giving them 9 months worth of a profit and loss proving the income the client has exist and it is year round. We are now being told they will not review the most recent income and the loan does not qualify for a modification due to it being 3 years or more delinquent.
My husband was paying on line and accidentally missed the decimal point. The bank took XXXX They also took {$300.00}. The {$300.00} was the correct amount. The error was noticed right away and the bank was notified over a week ago. They have not returned our money. They say they need to research it. This is almost all the money I have in this world. I can not live with no money and they are not returning it.
On XXXX XXXX I was traveling with XXXX XXXX on a ZED standby ticket. I attempted to access the XXXX XXXX XXXX XXXX mins before my flight. The XXXX agent working the XXXX XXXX check-in did not know the policy about Citi XXXX standby tickets and went above and beyond her duties to call the Citi XXXX customer service number on the back of my card to speak with Citi to determine if I should have access. The Citi representative gave false information to the XXXX agent about the eligibility of standby tickets and XXXX refused to grant me access to the club. Clearly in the terms and conditions of the Citi XXXX card it says " XXXX cardmembers must present a stand-by ticket or boarding pass, showing an XXXX, XXXX XXXX XXXX , XXXX, or an XXXX Connection carrier flight number, valid for travel on such flight. ''
I ordered some items by mail on or around XX/XX/2018 with my XXXX store card. I received an alert with the XXXX credit Bureau that an hard inquiry had been made against my credit. The evine card had large credit limit and was open in good standing. I don't know why they felt they had to check my credit. I would of preferred that they contact me or not honor the order if there was going to be a problem. I called and spoke with an unknown representative about a week later and was assured that the inquiry was going to be removed to no avail. I would just like the inquiry be taken off since I already had the card. There was no need to place an hard inquiry against my credit.
I applied at the university of XXXX and decided that with schedule and time constraints I would n't be able to finish the semester. I had a balance on my account. They reported it as a loan. I have never had a loan nor have I ever signed loan documentation with this establishment. They went as far as to fictitiously set up a payment amount that I have been missing and place that I 'm my credit report. Is this legal? I called and spoke with XXXX XXXX and she said that this is just their billing practice and she would not remove it from my credit report. I said but this is a lie, I do not have a loan with you ''. She then spoke with her supervisor XXXX XXXX and she said the same thing. Even though you do n't have a loan with us we report it like this to the credit bureau 's and the payment amount is 10 % of what you owe us, even though you did n't agree to this this is our practice. I was then referred to their billing company Heartland, I paid the balance in full. I just want the inaccurate information removed from my credit report and hopefully their billing practice changed. This should be illegal for them to report in such a manner.
A debit card dispute was made on or around XXXX with Suntrust for a transaction in the amount of XXXX XXXX XXXX. As explained to XXXX, the online chat rep who took the dispute information, XXXX items were ordered and only XXXX arrived. The item that arrived is incorrect and was returned, tracking information was provided and again here, XXXX. The package was delivered on XXXX and Suntrust should know this as number was provided to track. The phone rep I spoke with today said case is still pending, however, I received a form today requesting information already provided to XXXX via live chat and was just detailed above. The rep was also advised XXXX did credit XXXX item, still waiting on credit for second item returned, no mention of needing any additional information. I do not know why I was sent form requesting same info which was already provided. I was charged XXXX overdraft fees relating to this charge, I was told both would be credited back upon outcome of case, however, they seem to request same information which was provided to XXXX and here.
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX  WY XXXX XXXX, WA XXXX XXXX is one of the agents I spoke to at iq data. I  was informed that I would owe a certain amount of money for my debt collection, however I noticed a different amount of money was collected out of my account without my authorization.
They are continuously reporting me delinquent and pass due to credit reporting agencies saying that I am 30 days delinquent when I have made a payment every month since XXXX XXXX, 2015. XXXX 2015 I starting a Loan Modification trial. I completed 3 successful payments for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX On XX/XX/XXXX, my loan was modified and I made my first payment XX/XX/XXXX for XX/XX/XXXX payment. I paid XX/XX/XXXX payment of XX/XX/XXXX and have made every payment since then. With an IDPROTECT representative on the line with me ; XXXX XXXX XXXX, at XXXX, said my XXXX XXXX and XXXX XXXX Payments got " wrapped up in the loan modification '' and were not applied to XX/XX/XXXX or XX/XX/XXXX even though I signed the loan modification papers in XX/XX/XXXX and the Loan modification was official XX/XX/XXXX. This is why they are showing me past due in error. We are in need of a new car and this error is seriously affecting my credit score and my ability to obtain credit and other financial services. We have been battling this inaccuracy since XX/XX/XXXX when we started receiving collection calls that we were past due and I kept telling them we are not and provided proof. All the representatives that I have spoken with, Including XXXX XXXX today, have agreed I have paid all my payments on time and that there is an error in their system. Yet, it still does n't get fixed and I am being punished and damaged with bad credit reporting. I feel I am left with no choice but to seek legal action and sue for damages to recover my losses.
I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file
Our property tax bill was sent to us and the mortgage company in early XXXX 2015. The early payment date is XXXX/XXXX/15. The mortgage company has not yet paid it, they do n't know when they 'll pay it and they have {$2700.00} in escrow available for a {$560.00} bill and a {$17.00} bill ( we have XXXX parcels each taxed independently ). Multiple requests to the vendor go without resolution. Now, our homeowners insurance is due in XX/XX/XXXX and I highly suspect that wo n't be paid on time either.
There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only XXXX but as well as Experian, and XXXX
I received a hard inquiry XX/XX/XXXX When I have not appliedfkr a credit card. Inquirer date : XX/XX/XXXX. I contacted the company but to no avail. They have failed to return my calls or emails. This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against. The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. I feel personally discriminated against and have no other option but to try  CFPB to get a response from this creditor that has treated me so poorly.
I had a credit card with USAA, my available credit was {$16000.00}. My balance is currently around {$3000.00}. In XXXX 2016 unauthorzed transactions were placed on my account, as a result my credit limit was exceeded. Therefore, USAA revoked the account. I filed my disputes, USAA investigated the un-authorized transactions and reversed them. However, refuses to place my account back to the original status prior to the un-authorized transaction activity. USAA has also forwarded this inaccurate information to all XXXX credit bureaus. I have disputed the reporting of my account revoked and balance, with the bureaus, they have requested an investigation. Therefore, USAA has triggered my ability to collect damages. My credit score has been lowered by XXXX pts. currently around XXXX from XXXX. I have made all my payments, all much higher than the required.I have made a total of over {$7000.00} in payments just this year. I have sent numerous emails but USAA refuses to follow federal policy. I am in the process of securing a large construction loan ( in the XXXX figure range ) the higher interest rate will cost me more than {$35000.00} over the course of the loan unless this USAA returns my account to its original status and reports it correctly to the credit bureaus.
My escrow account had {$380.00} when I paid off this account. 
My refund from this same account was {$360.00}.
midland funding is trying to garnish me and I have been trying to settle this account and they wont call me back. I am sick and cant be going through this. 
They dont want to call me because they dont want to settle the account and just want the payment in full
My hospital bill that I have consistently been making monthly payments on since its origin, was turned over to a collection agency " Professional Account Services Inc. on XXXX/XXXX/XXXX. I sent the collection agency a CEASE & DESIST letter on XXXX/XXXX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. They recently sent me a letter on XXXX/XXXX/XXXX explaining that they have been trying to unsuccessfully contact me by phone & advised me to pay them the debt by phone with a credit card. They sent me another letter two days later on XXXX/XXXX/XXXX threatening to place negative marks on my credit report unless I contact them to resolve this account.
I am reaching out to file a complaint against Transworld Systems collection agency. They say they are calling on behalf of XXXX. They call repeatedly throughout the week, sometimes several times a day. When you answer the phone they hang up. Then when you call back you either get someone 's personal cell phone and they have no idea who called you, OR, they tell you who they are and try to collect the debt. If they are so apt to collect the debt why do they continuously call and then hang up. They admitted they are on an auto dialing system. This is a highly in appropriate way to run a business. I get calls all hours of the day and night and on the weekends. When you do call back and talk to someone on the rare occasion you can not understand them because they speak extremely broken english. I would like to file a formal complaint for harassment against this company and make sure XXXX knows they are doing this to their patients.
On XX/XX/XXXX I received an electronic notice from XXXX stating that I had a delinquent credit account with US Bank. I have a car lease with US Bank that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from US Bank stating that I owed {$1300.00}. Given that I still had one more payment left I called US Bank to understand what the owed amount was related to. According to US Bank, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ 50 monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to US Bank that I was never once told of of the increased payments. US Bank has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to US Bank numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice US Bank has negatively and quite unfairly impacted my credit score. It is  clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

US Bank 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with US Bank is XXXX. Thank you, XXXX XXXX