WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX XXXX and my financial planning is based on the assumption that I will be eligible for PSLF after 10 years of repayments. 

I left one XXXX to start at another XXXX in the beginning of XX/XX/XXXX. My payment date for that month was XX/XX/XXXX, which happened to be the Sunday between my last day at the former job and my first day at the new job ( I worked Monday through Friday at the former job, kept that schedule at the new job, and took no break in between jobs ). 

XXXX XXXX told me that I was therefore unemployed at the date of my payment and that payment would not count towards my PSLF requirements. 

This is obnoxious and unethical. If I chose to make the payment a day later, it would have counted, so I am essentially being penalized for paying my payments on time. 

I could have simply wrote on my employment certification form that my last day of employment was that Sunday, even though I work Monday through Friday, and that would have been fine. But because I chose to be responsible and honest, I am being punished by an irresponsible and dishonest loan servicer with zero accountability to the public. 

Furthermore, to consider me " unemployed '' for not working during the weekend when I have been consistently employed full-time with NO gaps in my employment is pure nonsense. 

I have spoken to multiple people at XXXX about this issue and they have told me there is nothing they can do. According to them, this is my fault - I should have known that they would have considered me unemployed for not working on that Sunday, and rescheduled my payments accordingly. Evidently and counter-intuitively, making things easier for everyone involved by enrolling in automatic payments and paying my payments on time is frowned upon by the loan servicer. 

Any assistance with this issue would be greatly appreciated. The fact that XXXX gets away with this behavior and there is no way for the public to hold them accountable when they are the sole servicer appointed to handle PSLF is entirely unethical.
On XXXX XXXX, XXXX, I requested a Full File Disclosure report from First Advantage Consumer Center and their parent company/partnership Lexis Nexus. The First Advantage background reports I receive contained inaccurate information more specifically criminal records that did not belong to me and was disputed as inaccurate back in XXXX. 
I immediately contacted First Advantage to dispute the inaccurate information and was told I could not dispute because an employer did not order a background check. I explained to First Advantage the consumer has the right under the FCRA to order copy of any files you contain within your database and the right to dispute inaccurate information. To date First Advantage has refused to removed the inaccurate criminal record and address associated with my name. I do not have or use any alias my name is not XXXX XXXX XXXX and the courts records do not show my social security number or address associated with said criminal records.
RushCard was to perform maintenance on Monday from XXXX to XXXX Today is Wednesday and I still can not access my account. When you try and reach customer service the line rings and rings. My direct deposit was supposed to post and I have not received my funds. This seems to be affecting XXXX people and there is no correct communication.
I 'm filing a complaint against Equifax & the incorrect reporting of a collection account for   XXXX   XXXX   XXXX  , which is working on behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  . Equifax is reporting negative information about a medical ambulance bill that was paid on   XXXX     to   XXXX   XXXX   XXXX  . I have attached a copy of my receipt that was emailed to me directly from   XXXX   XXXX   XXXX  , so I 'm a little unsure why it was sold to the collection company   XXXX   XXXX   XXXX   in the  1st pla ce. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files  ASAP &  all further collection actions & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time.
Debt on my credit for {$3000.00} states a charge off XXXX XXXX XXXX 2016 I spoke to someone at your office about a debt on my credit report. I asked the operator why this is owed and she stated she was unsure but is willing to settle for {$2500.00}. A letter sent to Wells Fargo was sent asking for explaination as to why I owe this but after 30days I have yet to receive anything. I 've also sent a copy to all the XXXX major credit agencies certified And sent a complaint to the XXXX ... .which your company failed to respond to. Im demanding a detailed explaination of how I owe this balance. The next step after this is a lawyer.
XXXX XXXX XXXX XXXX, TX XXXX XXXX : Case # XXXX : XXXX XXXX Dear Mr./Ms. XXXX XXXX, XXXX, Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. 

We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX  with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX Business Review as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' Please note, the text of your response may be publicly posted on XXXX 's website. XXXX reserves the right to not post in accordance with XXXX policy, and we may edit your response to protect privacy rights and to remove inappropriate language. 

We appreciate the opportunity to be of service, and sincerely hope you will contact us for pre-purchase information. 

Sincerely, XXXX  Dispute Resolution Department The owners of the property, XXXX XXXX XXXX, through their agent, XXXX XXXX improperly ran my credit twice before I became a resident. Their inquiry is listed as a " hard inquiry '' even though, I was approved the moment I went in. To this day, they refuse to acknowledge their perverted acts perpetuated by their agents and their leasing staff. 

Once I attempted to gather information to begin a private business, in their facility, they salivated to help, however they only did so when their was no one else around. I shared my business idea with countless people in their front office and told them of my situation, however, instead of attempting to assist when their payment system was down they cahrged countless fees and attempted to evict me BEFORE checking to see why I was unable to unpay. 

Their actions, in conjunction with the Texas Workforce Commission and XXXX XXXX at the insurance company tasked with assisting me following my XXXX XXXX XXXX are the reason I was unable to pay. 

Their negligence lead to XXXX XXXX being fraudulently taken by XXXX XXXX and their agents. Their negligence is responsible for my " eviction '' and instead of helping, they threatened to evict me over 2 noise complaints.
I have contacted the collection agency XXXX XXXX XXXX a few times over the course of 4 yrs. The debt in question owed to XXXX XXXX XXXX for {$110.00} was paid twice. When I saw this on my credit report I paid it right away to XXXX XXXX at XXXX XXXX. I contacted XXXX to let them know and was assured they would take care of it. For 2 yrs, still on there, I then file a dispute request and received no answer. I did however receive a refund check from XXXX XXXX for the double payment of the {$110.00}. I sent a copy of the stub and letter to XXXX only to see this still remains on every credit report possible. Resulting in a poor rating towards my credit character.
There is one inquiry on Equifax that was fraudulently done.I went on XXXX  and file an Identity Theft Report. FTC report number XXXX.
In the Collections section on my credit report from Equifax dated XX/XX/2017 it shows I have two collections from the same company, which is the exactly same account.
I called Bank of America ( XXXX ) the evening of Wednesday XX/XX/XXXX XXXX EST to dispute the overcharging of interest on 2 personal credit cards that I have with them due to their use of double cycle billing that is deemed illegal as per the Credit Card Act of XX/XX/XXXX. At the time of billing, I unknowingly paid this interest as legitimate, but my accountant recently informed me that this is an illegal practice as per the Credit Card Act of XX/XX/XXXX. The overcharging of interest occurred on 2 separate occasions on 2 different cards in which the balance was paid off in full in the previous billing cycles. The 2 amounts of over-charged interest are for {$100.00} ending on billing cycle XX/XX/XXXX for one card, and for the other card, {$23.00} ending on billing cycle XX/XX/XXXX. 
I initially spoke with a representative who was clearly unaware of what double cycle billing is and my consumer rights as per the Credit Card Act of XX/XX/XXXX. I asked to be transferred to a Manager ; I was transferred to a Team Supervisor named XXXX ( Badge # XXXX ) and she refused to acknowledge that Credit Card Act applied to my situation and refused to refund the charged interest. She even intentionally mispronounced my surname as " XXXX '' twice even when I corrected her the first time ( My surname is XXXX ). I interpreted this XXXX overt racism and smugness on her part. I requested to escalate this matter to her Supervisor which in their management nomenclature would be " Manager. '' I will be awaiting a phone call the next day.
XXXX has sent me to collections and have conveniently deleted/lost all the notes regarding my account. When I contacted the collection agency they say that XXXX will not allow them to have a copy of the notes to my account and thus ca n't give them to me either. 

I had thought I closed my account back in XXXX XXXX because I was getting another phone through my work. I was told my phone had been paid through the EIP program. I moved in XXXX XXXX to a different address and had all mail forwarded for 6 months but did not receive notification of collections. 

Even worse, the charges are {$790.00}, even though my phone was paid for and I had not used my phone since XXXX XXXX. No one at XXXX can tell me what the charges are as well as the collections agency it was sold to.
I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unverified account
Since at least XX/XX/2010, I have experienced unrelenting difficulties and obstacles in the adjustment and repayment of my private student loans serviced by Navient ( previously XXXX ). By providing bad information, processing payments incorrectly, and failing to act when borrowers complained, Navient has cheated myself and many others out of our right to adjust interests rates and lower repayments. Navient ( XXXX ) has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment. When facing unemployment or other financial hardship, Navient ( XXXX ) systematically made it harder to obtain my right to a payment plan according to what I could afford. 

Navient has continually obscured information needed to adjust and maintain my lower payments, steering struggling borrowers toward paying more than they have to on loans. In turn, its subsidiaries made illegal misrepresentations relating to the federal loan rehabilitation program available to defaulted borrowers.
I bank with BB & T. Recently they have overdraft my account when the funds are there. This has occurred on several occasions in the past few months and the trend is that this happens overnight when I have a paycheck pending electronic deposit. While in some cases I may not have the funds to cover all charges BB & T tends to push all charges through immediately. At other times pending charges may take days to process. The example below shows what I mean. I spoke with a representative at BB & T about the overdraft charges and I was told their system accounts for all charges pending or otherwise. So BB & T can make money off customers regardless of circumstances and that funds like a pending paycheck that will cover all charges is not counted. Mind you that they consider pending charges against the ledger but not pending paychecks. 

Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX # XXXX {$87.00} Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX XXXX XXXX XXXX DE # XXXX {$360.00} Pending transaction date XXXX/XXXX/XXXX Credit XXXX - XXXX XXXX, XXXX XXXX {$2000.00} XXXX/XXXX/XXXX Debit OVERDRAFT FEE {$72.00} {$260.00} XXXX/XXXX/XXXX POS XXXX 'S XXXX # XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE {$11.00} XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE-P {$26.00}
ON XX/XX/XXXX, my mortgage payment increased from {$4200.00} to {$8800.00}. I can not afford the increased payment amount. I applied for a loan modification the first week of XXXX 2016 ' and was informed that I was declined due to, '' negative disposable income. '' I have made my mortgage payments in the time agreed since I have been assigned to Nation Star. 
It is clear they are once again attempting to take my home. They sent me two different payment amounts for months ( see attached. ) Years ago when the loan was first modified they knew I would be unable to make a payment that would double. IT WAS A CLEAR SET-UP FOR FORECLOSE. I made the agreed upon monthly payments until this month. 
Additionally, on XX/XX/2016, I was informed that my loan had been in underwriting since XX/XX/2016. However, I did n't apply for a modification until XX/XX/2016 '. Also, they randomly took over my home insurance as if they already knew I would be declined. My current FICO score is XXXX. This episode is scheduled to surely destabilize me and possibly leave me homeless. PLEASE HELP.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, u nder Section 611 ( 5 ) ( A ) of the FCRA- th ey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. Thank you.
I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
I have checked my credit report and have found XXXX as a credit XXXX. I have in no way ever signed for or agreed to pay this and would like it removed from my credit report.
A subject selection for my issue is not available so I improvised ... 

My homeowners insurance company notified me that my renewal " premium has been adversely affected by information received from LexisNexis ''. The impact is {$68.00}. 
I obtained a copy of the credit report. 

The report reflects that I have XXXX accounts with high credit over {$530000.00}. What they are doing is adding up every single account I have opened in my entire credit history, which they have since XXXX. The reality is that I replaced XXXX cars every 3 years. Report includes all my car loans starting in XXXX. What is the relevance of a car loan I took 23 years ago? How absurd is this? Even though I 've never had a late payment, the length of my history works against me. The report does not distinguish between " concurrently open '', " historically '' and " currently open ''. It is adding together without any distinction among mortgage, car loans and credit cards. 

The report is supposed to provide a fair representation of my insurance risk, yet the ways LexisNexis is going about it is discriminatory against those with lengthy history. And those with lengthy history are by definition older and deserve the protection of the law!
I am placing this complaint for the mishandling of my repeatedly requests for a modification. In XXXX I was granted this {$200000.00} mortgage originally with XXXX XXXX, in XXXX it was sold to Countrywide and in XXXX sold to Bank of America. In XXXX my husband had XXXX surgery and had to stop working and I had to reduce my hours to become his caregiver at which time we defaulted. Up until this time we had made every payment on time, even paid {$110.00} extra each month towards the prinicipal. In XXXX financially our situation improved and I started applying with Bank of America for a modification at this point we were only 12 months behind. Each time I called for a status I was given the run around, excuses of lost applications, missing docucments, outdated financials, assigned new representatives etc. When I finally received a response in XXXX it was a denial for not qualifying for any programs. I immediately filed an appeal and the application process and stall tactics began again, all the while the arrears kept getting higher! In XXXX XXXX I received a letter saying my mortgage was sold to XXXX and I found myself having to begin the modification process all over again! In XXXX XXXX XXXX denied my modification and foreclosure notice came shortly after. This time I consulted with a not for profit agency who helped me fight. Finally I was approved but being that non of the arrears were forgiven and no principal reduction the new mortgage amount would be {$310000.00} on a house that is only worth {$220000.00} and the monthly payment was going to be 52 % of my net salary! As much as I want to save my home I could n't accept this offer. Financially I am able to pay this mortgage, I have no outstanding debt, my credit score is XXXX, I pay all my bills on time, all I need is an affordable modification! What I do n't understand is why Bank of America was allowed to get away with this. My misfortune happened during the banking industry crisis they got bailed out by the federal government why ca n't the government help the common man keep their home! I built this house in XXXX when I was XXXX years old I raised my XXXX children, this is not a house this is our HOME! All I need is someone to help me fight against this injustice, reduce the arrears that were not my fault and let me keep my home!
On XX/XX/2018 I purchased a mattress from the local JC Penney store. Along with the mattress I purchased a foundation ( which the sales person said I needed ) and paid the {$25.00} fee for the delivery person to haul off our old mattress. I paid for everything with my JC Penney card. 

After going home & looking at our bed I realized we did not need the foundation. When the delivery company, XXXX XXXX XXXX, called to schedule the delivery I asked if we could refuse delivery on the foundation & the company representative assured me that would be fine. 

XXXX, XXXX brought the mattress the morning of XX/XX/2018. A man named XXXX XXXX signed the delivery receipt. On it, he made note that we accepted the mattress but did not make a note about us refusing the foundation. He did circle the ID # for the mattress and wrote Accepted Mattress. The handwriting is difficult to read but the word accepted is readable. My husband signed the receipt accepting the mattress. We were assured by Mr. XXXX that refusing the foundation was fine, and that our money would be refunded. 

In XX/XX/XXXX I received a statement from Penneys, which included the cost of the foundation, {$130.00}. I paid the cost of the mattress, {$1400.00}, in full. However, I filled a dispute with the company re : the cost of the foundation, which we did not accept. I called Penneys customer service line to do this and was assured it would not be a problem. I was told this happens all the time because the delivery person fails to notify anyone of the refusal. He said the foundation was probably sitting in a warehouse somewhere & just needs to be tracked down. 

In the last correspondence I received dated XX/XX/18, I was told my complaint had been denied and was informed that this incident would be reported to the credit bureau 's listed in the letter if I did not pay the bill. 

I will attach all correspondence between Synchrony Bank & me  regarding this matter. Synchrony Bank handles all the credit card accounts for JC Penney. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX
I was at work and got a call ( first a voicemail ) from someone who said they were with XXXX, XXXXXXXX XXXX XXXX. Because I had another account that I was under wage garnishment, this scared me and I thought they were real. They left a message that they were serving papers and needed to verify someone would be home Tuesday between a certain time. I called them back and they repeated this and when I asked the amount, they said " with the judgement, it is ... .. ''. I told them I didn't realize I had a judgement, I must not have gotten court papers. They said to save my credit they would work with me and reduce it down. THey said the debt was for GE Capital. I have NEVER received anything from this firm in writing about this debt, but because I didn't want a cop showing up at my home, I had them work a settlement. I gave them my credit card and asked for an email to confirm. WHen I got the email, it had the account number, so when I got home, I checked my credit report from XX/XX/XXXX on my computer and could not find it. I called them back and they did not want to provide the info. I kept repeating that I did not have that account number and then after telling them I was having XXXX dispute the charge, XXXX XXXX said it was a Lowes card from XX/XX/XXXX-XX/XX/XXXX. He never gave this info initially. They were clear they were issuing a judgement if I didn't pay it. I called XXXX to dispute the charge but they had to wait for it to actually post. I emailed XXXX XXXX back that I would not sign the credit card receipt and he basically said he didn't care because they have a voice recording and they record because of " people like me. '' This happened on XX/XX/XXXX.  The credit card charge was for {$910.00} and it wasn't even charged under the correct business name. I was speaking to XXXX, XXXXXXXX XXXX XXXXXXXX and the card ran as XXXX XXXX XXXX. THe address for the law firm was XXXX and the company that charged me was in XXXX XXXX XXXX. I now have no idea who has my XXXX card info. Again, nothing was provided in writing, nowhere in the conversation did they say I can dispute the debt and I never received anything by mail from them. They also did not state " This is an attempt to collect a debt. '' They asked that I return the credit card receipt signed-I refused. To this date, I have not signed the credit card receipt.
the company is charging me {$97.00} in collection fee plus my original fee from the hospital. I received a call from the collections company on XX/XX/2019. I asked about the XXXX fee and told them it was XXXX. He said it was part of their fees and didn't like my language.