WillisBack/dataset-financial-user-claim huggingface dataset:
Im writing today regarding an ongoing issue I am having with the Department of Educations Public Service Loan Forgiveness program and my federal loan servicer, Nelnet. As an XXXX employee, I am eligible for this program. When former XXXX XXXX signed the law into effect in 2007, I called Nelnet to verify I was in the right program to qualify for loan forgiveness after 10 years of service and XXXX payments on an income based payment plan. Nelnet assured me I was in the correct loan and correct payment plan to qualify. I even called a few extra times throughout the past 10 years to verify everything was still in order. Once again they assured me it was and everything is correct. 

About a year ago I called Nelnet and they told me Im in the wrong type of loan and I dont qualify for the federal loan forgiveness program. Ive tried everything to try and get Nelnet to take responsibility for their mistakes for providing me incorrect and misleading information over the years. They have even acknowledged that I called when I said I did and have records indicating the reason for my calls. The customer service representative on my most recent call admitted they made a mistake and that the program was new and they didnt have proper procedures in place to manage the program. Now they have a whole department that handles it. Even after they are apologizing for the situation and apologizing to me, they claim there is nothing they can do. 

I still have a loan balance of {$20000.00} that should and would have been forgiven if not for their error. Im very frustrated with the entire situation and I dont know what recourse I have. I feel I did everything I could have done in order to assure I would be able to take advantage of the program benefits I am eligible for and entitled to. 

Furthermore, Nelnet deceived me into changing my repayment plan to the Graduated payment plan. This stretched my repayment period as long as possible while still qualifying for the federal loan forgiveness program. Which turns out I wasnt in the right loan category after all. This is costing me more money than it originally would have under the standard payment plan I was in before calling XXXX XXXX, XXXX. 

I am writing to your office to seek help in resolving this issue. I feel Nelnet is mismanaging federal loans on behalf of the Department of Education and taking advantage of individuals in Public Service.
Someone claiming to be XXXX XXXX continues to call my job after I told them I do not have any outstanding debt, to stop calling me at work and to mail me whatever information they have against me.
I recieved a notice from XXXX XXXX at the end of XXXX stating that my payment would change. In fact, my payment went from {$810.00} to {$950.00} per month. When I called XXXX and asked XXXX about the change, they replied that it was due to an increase in property taxes. I then called the XXXX of XXXX 's revenue department and was told that the taxes had not increased. I found that yhe previous owner had the XXXX exemption and I was never informed to apply for it. When I alerted Quicken loans to this fact, and informed them that I had applied for the exemption, they told me I should show them the proof that it was applied. I will not know the results until XXXX. In the meantime I am paying the same amount in mortgage payments that I would have been paying had I purchased a home a block over for {$150.00}. I bought my home for XXXX. Also, under the VA XXXX program, I was looking to refinance in order to do some updates on my home. Where other lenders were offering at least {$24000.00}, XXXX would only offer {$4300.00}. Now the invreadr in mortgage prevents me from taking advantage of a VA refinance.
this collection agency calls me several times a day and treating to sue me for the medical bill I do not own. I informed this company to stop harassing me many times and continued calling me.
they say that i owe a cell phone bill from att and the last time i had att account was 2006 i called att and they cant find account that belongs to me and this company insists on collecting this debt and also reporting on credit file as a new debt .. thank you
I did n't approve these inquires : XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX. 

XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance Cap One Inquiry from XXXX XXXX, XXXX Bank Cap One Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something was n't right.
I spoke with USAA last week and told them as soon as my loan mortgage loan closed. I would pay this XXXX CC off in full. This card is mine ands opened several years before I got married. Even though I told them about the pay off they called my husband who has nothing to do with this card .His name is not on the account nor is he a authorized user. My privacy has been violated by USAA.
To whom it may concern. 

My father passed away in XX/XX/XXXX. I purchased his home from the Estate. He had a Mortgage with XXXX XXXX Bank. I was able to assume the mortgage and have it placed in my name. He also Had a home equity loan with Fifth Third Bank. Fifth Third Bank refuses to place that loan in my name, but if I refuse to pay the loan they threaten to place a lien on my home. I bought the home because it was modified for my father who was XXXX. I to am XXXX, so the home was easier for me to manage. I feel that Fifth Third Bank is blackmailing me. I have asked them to place the loan in my name, but they refuse. So in turn ; I have been paying on a dead man 's loan for almost a year now. I feel this is wrong. Either place to loan in my name or dismiss it. 

Any advice would be appreciated. 

XXXX XXXX
On XX/XX/2017, I was advertised an offer by Amex on my user portal to upgrade my Premier Rewards Gold card to a Platinum card with a XXXX point bonus after spending {$5000.00} in the first three months. I was approved for the card and spent {$5000.00} in the first three months without receiving the bonus points. Thus, I called American Express in early XX/XX/2017 to inquire about the lack of points showing in my account. The sale representative put me on hold and then confirmed that I did meet the spending requirements for the bonus points. She escalated the issue to the marketing team to investigate. I called 6 times in XXXX and XXXX to check in and, eventually, the marketing team said that I was never targeted with the promotion which is fraudulent and untrue. The promotion is not a targeted promotion and a sales rep confirmed that anyone who applies online for this card is eligible for the promotion. I was scammed out of XXXX points with American Express when I met all of the guidelines to receive this general promotion. I continued to contact the company for months afterward with no resolution. The company misled me and representatives lied about why I didn't receive the points. Different sales representatives would give different excuses - eventually leading to completely ridiculous and invalid explanations. The offer is a general offer for anyone who applies online - an Amex representative confirmed this - there is no reason why I shouldn't have received the bonus offer.
I complained of this problem over a month ago, XXXX and XXXX already closed and removed XXXX XXXX from my file. TransUnion is still showing it as an open account, complaint # XXXX on file. I 'm trying to rebuild my credit now after my two XXXX in XX/XX/XXXX and XX/XX/XXXX,  which caused me to close my business.sometimes I wonder if they do it on purpose so they can make more money off you. I 'm not asking for any favors, just do what 's right. It 's an open and shut case, a no brainer.
I sent {$220.00} on XX/XX/XXXX and my friend contacted me the next day at XXXX letting me know that they did not receive the money yet saying that Western Union said that there was a problem so when I got word of this on XX/XX/XXXX I checked the status and it was saying that the money was paid out on the XXXX at XXXX XXXX. and XXXX Colorado and I do n't know how I have to pay is that possible when I sent the money to XXXX XXXX across seas and therefore it was picked up here in the United States so there for somebody that works for this company is stealing money and I want to I want it to be known and I need a refund somebody to reach out to me as soon as possible I can be reached at XXXX or through email at XXXX XXXX XXXX at XXXX my name is XXXX XXXX
I have a Macys credit card and i wanted to place an order which never in the past i had an issue and when i was on the chat screen with someone from Macys they told me i was past my credit limit and i asked how much and they well your limit is {$600.00} and you are at {$800.00} and something cant quite remember the exact amount. but i said " WHAT! '' how can i be past my limit when i was never told i was past my limit and to this date i get emails from you saying to pay the minimum due which is {$29.00} and i pay {$30.00} or more! How can they do this isnt this a ripoff?? if im at my limit there should not be any more charges past that amount!! I should only be charged the {$600.00} which is my credit limit! 
please advise me or let me know what to do
For at least one year (  XXXX     2016 )  Synchrony Bank  ( Walmart   MASTERCARD   )  has been charging me a fee for credit protection. I never applied, requested or authorized this. I called them and they offered to refund {$200.00} when they have charged a minimum of {$850.00} to my account. This is fraud as far as I am concerned.
Equifax left their systems, and by extension, millions and millions of American 's incredibly sensitive information at risk of hacking by criminals. For a company that collects this much personal and private information about this many people, they should have had greater measures of protection in place. It is ridiculous that criminals could hack into a system with this much personal information. 144 Million people were potentially affected which is over half of the credit-utilizing adults in United States. Each of them, including myself, is now at risk for identity theft or fraud for YEARS to come into the future.
I have a fraudulent account on my credit report and XXXX and Equifax are CLEARLY breaking the law and I have talked to Special Handling several times and nothing has been done. I have filled out a police report and have created TWO FTC ID Theft affadavits since both credit bureaus claim that either the account number or the amount was incorrect on the account. 

I clearly asked for a Identity Theft block under FCRA 605B and neither bureau is complying, which is a violation of the law. I have sent proof of my identity, and submitted everything the law asks for in order to have this account blocked and there is no reason it should still be on my credit report. 

I have sent a copy of the FCRA law that I am referring to and it PLAINLY states that this account should be blocked. Noncompliance is a direct violation of Federal Law.
XXXX XXXX XXXX VS XXXX XXXX DEBT CARD XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I lost my card. Tried to report it that night but couldn't get through to bank due to high volume of calls. on XX/XX/XXXX called cancelled card reported it lost and was told charges were pending to call back in two days to dispute charges which I did. Received paperwork four days later with the XX/XX/XXXX being deadline. I returned packet with a police report filed and notarized. was told by post office packet would be received by the XX/XX/XXXX at the latest. the bank claimed not to received it till the XX/XX/XXXX. I called several times for reimbursement on unauthorized charges and was told I had to wait on pending investigation. on XX/XX/XXXX I received letter from bank stating they had conflicting information and could not confirm fraud and for me to report it to police and work with merchant. I then tried to get paper work on this decision and was giving a phone number to call for XXXX XXXX at Fraud dept. This number is a voice mail only number. My card was found and used for a total amount of {$400.00}. I have done everything by the book. This bank did not honor the liability policy and as far as I'm concerned called me a thief and liar. Upon researching the bank I discovered this is the banks common treatment to costumers disputes. The US Dept of Treasury contracted with this bank for goverment payments to provide extra protection for its clients. People were able to use the card with no problems, where is the protection. I am a representative payee for my son whom lives on the SSI payment of {$750.00} a month. I accept responsibility for losing the card. However it is not right to just accept a XXXX loss due to unauthorized transaction that I'm sure there is video tape of. My pin was not used and we should not be held liable. In order for this matter to be resolved with out my filing of court I would like to see the bank follow policy with respect to federally insured money, consumer protection act and replace the funds back to the card. the dispute claim number with the bank is XXXX. the XXXX police report number is XXXX. I would also like to see the US Dept of Treasury and Fiscal service review this banks treatment of clients and considered a new contract with a more reputably bank. Thank you for your time.
We recently found in our home filing cabinet a XXXX Savings Account passbook from XXXX that we completely had forgotten about. After researching on the internet, XXXX was taken over by Wachovia in XXXX and later in XXXX Wachovia was taken over by Wells Fargo Bank. After talking on the phone to a Wells Fargo Client Services representative the first time, he was unable to find anything in their system regarding my account, So as agreed, I sent a letter with scanned copies of the passbook along with a copy of my drivers license, to verify my identity. A month passed, and I received no feedback. So, I contacted them again and we went through the same process again ( i.e., checked their system by my name, my account number, social security number, etc. ) and no results. I again was instructed to write a " Letter of Instruction '' to a different address XXXX 

At this point I really feel I 'm getting the run-a-round especially since my research finds that Wells Fargo could be heading for some troubles.
I, XXXX XXXX, would like to submit a complaint against Educational Credit Management Corporation and XXXX XXXX for taking collection activity on me for time-barred student loans they are not permitted by law to collect on. These entities also blocked Title IV Federal Student Aid benefits I was entitled to for semester Fall XX/XX/2018. They lied on the amount, character and legal status of the loan to facilitate a loan rehabilitation agreement in which they collected monies from me. I submitted timely objections per the loan rehabilitation agreement citing all the reasons I made in this complaint and they have gone unanswered. They sent me a letter stating that they was going to wait for the submission of documents for me in regards to a loan discharge due to a XXXX after they told me on the phone that they wasn't going to process it. I understand that CFPB is empowered by law to enforce the Fair Debt Collection Practice Act and subsequent state law.
USAA called me repeatedly on the following days despite my debt consolidation companyh working with their settlement department ( seperate ticket XXXX ). 

Days include : XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX, XXXX, and XXXX ), XXXX XXXX ( at XXXX and XXXX ). 

As per previous ticket, I did inform them to work with the consolidation firm. I 've also, admittedly very angrily, informed them of the Fair Debt Collection Practices Act which states that they may not harrass by calling multiple times in the same day. 

Also stated on the previous ticket, I spoke to a manager and he sent a message to the team for them to contact me at a specific time and day to sort this out and have XXXX XXXX on the phone. They did not call at the specified time/day ( XXXX XXXX XXXX, XXXX ) or the day after. Then they called again on XXXX ( today ) .This leads me to beleive that theyh do n't want to work with me on the debt, but just to harrass me.
We paid our mortgage ahead of time to the amount of five months through XXXX of 2016. In XXXX of 2016, we got a court notice from the mortgagor stating that we were late in XXXX payments. What happened is that the mortgagor took money from the prepaid amount and paid on the principal without my knowledge. When we needed money for another pressing problem at the end of XXXX, I did not send any money to the mortgagor in XXXX and XXXX because it was prepaid. In XXXX I received notice to go to court for possible foreclosure. We want the mortgagor to reverse the payments to the principal.
Continuous calls through out the night and day at all hours. 
I have reported that the person they are looking for does not have this # anymore. Their Representative XXXX was VERY Rude and Confrontational. He would not give his last name and made derogatory remarks when I told him I was going to file a complaint and said that I would be wasting my time because it would NOT do any good.
On XXXX XXXX got a call from Constar Financial Service by a man namedXXXX XXXX . This was in reference of a motorcylce i had finance by XXXX XXXX XXXX. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified XXXX XXXX XXXX of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX
My personal data was exposed with the Equifax databreach. My complaint is Equifax is not / has not agreed to pay the fee for a credit freeze with the other two reporting agencies - XXXX, and XXXX. 

The data stolen with the Equifax databreach can/could be used to obtain credit, under my name and ( stolen ) information, via any institution that uses one or only of the other two reporting agencies - XXXX and XXXX XXXX. My bank, XXXX for example, uses only XXXX to check credit when one applies for a new credit - NOT XXXX. Thus, with the Equifax databreach, my peresonal data could be used to obtain credit at XXXX XXXX. 

XXXX and XXXX charge a fee to place a credit freeze on my account/info. This fee is waived, presently, for Equifax - due to the databreach, BUT EQUIFAX IS RESPONSIBLE FOR MY PERSONAL DATA BEING LOST, AND SHOULD BE RESPONSIBLE ( FEE PAYMENT ) FOR MAKING SURE A CREDIT FREEZE IN PLACED WITH ALL THREE AGENCIES - XXXX, XXXX, and Equifax .... NOT JUST EQUIFAX.
i was approved for deferred payments and i still was billed late statements after accepting my payments this happened on 6 occasions please credit my account
I took a loan from Springstone Financial now Lending Club in XX/XX/XXXX through dental office " XXXX '' in the amount of {$24000.00} for dental implants. When I signed up for the loan I was told that it is interest free for 24 months and after that the interest will kick in on the amount remaining in the account. In XX/XX/XXXX, I was charged {$6400.00} in my account. I contacted Lending Club and asked about these charges and that 's when they explained to me that these are deferred interest charges from the 24 months of their promotional plan that just expired that month. I had {$3300.00} remaining from the original {$24000.00} loan. I immediately paid this amount. I also disputed the interest charges ( {$6400.00} ) and asked to close my account. I was told that I will not be able to close my account until the disputed amount is resolved. I was also told that I do n't need to make monthly payments on this disputed amount until it is resolved. Since then, I am being charged every month finance charges ( {$160.00} for XXXX and {$190.00} for XXXX ) on amount that I 'm disputing and on the account that I ca n't close. These are very high charges that are unfair to me since I am in this financial position because the terms were not provided to me the day I signed up for this loan. I received a letter on XXXX from Lending Club rejecting my request to dispute these charges explaining to me that these are " valid ''. And that the plan information was provided to me in my monthly statement. The crucial information of " Deferred interest '' was never provided to me when I signed up for the plan for me to make a decision to take it or leave it. Also because I was not informed about this condition in the plan, I did n't not look for it in the monthly statement. I believe that I was tricked to sign up for a plan and was not made aware of its crucial condition and wo n't be able to withdraw from it if I saw it after the fact because of my dental needs at the time. 
Quick search in the internet, I found that Springstone Financial ( now Lending Club or XXXX ) has lawsuits and CFPB Actions regarding the " Deferred interest promotional plan '' that I apparently was signed up for without my knowledge because of deceitful means used to promote this plan. In the CFPB action that I am attaching here with my complaint, Springsone was ordered to refund {$700000.00} in consumer relief to 3200 consumers as a result of the deceptive marketing and enrolment practices in its dental-service provider network. Springstone was also ordered by CFPB to reimburse and notify consumers affected by these practices. I am a consumer that is affected by this program and I am finding Lending Club action to pursuit me with these charges after CFPB took actions against them unfair and unreasonable.
There is a collection XXXX company that claims I owe a past due debt to XXXX however this was reported by another company CONVERGENT SOLUTION of which removed it from my credit report with XXXX on XXXX XXXX 2015. XXXX does n't have any contact information on XXXX.