WillisBack/dataset-financial-user-claim huggingface dataset:
I was enrolling at XXXX college, XXXX, and was encouraged to take out a private loan by the advisor I was speaking to and when she told me that XXXX was not covered by federal loans and that I had to pay out of pocket while in school to be eligible to remain and complete my course of study. I knew I could n't pay that and I did not even have a job so I could not pay if I wanted to. My partner at the time was also present and was asked by the admin department advisor, if he was willing to help me with that portion of the money so I can attend. He agreed and they enrolled me that fast. Now we r not together and he did not pay the loan, I got stuck with it and now I am falling behind what are my options when I did not need to create a debt in order to attend school and now he forgot he agreed to help me pay that. So how does that work, I am trying my best but I am still struggling because of that loan from genesis lending. That service is not even worth the problems a lot of XXXX students have experienced, they ca n't even show you correct detailed information online or on paper for that matter, and now they are getting sued for putting that kind of burden on student 's that are trying to get an education to make money when they when they get a job .... How would I be considered for a discharge on that part of my student loan, I believe that I am paying for something that I should not have to when I did not have income and my ex partner was the responsible party when he agreed to pay that part.???
Having trouble with  XXXX   XXXX   XXXX   XXXX . I am in an IDR plan. After a 1.5 % raise at my job last year I was notified that my payments will go from $  XXXX  month t o $  XXXX  month. W hen I complained about this I was told that if I switch to a standard repayment plan I will no longer be eligible for the payments to count towards PSLF. When I do the repayment plan estimator on the website, the highest monthly income based payment I get is $  XXXX  /month, eve n with factoring in that I am married, filed taxes jointly, and putting in our combined income ( which by the way is gross, not net ). When I call, no one is able to tell me really how they calculate this amount.   Also I am being given a hard time about my employment certification forms that I submit. For example, I had a hard time tracking down someone at the corporate HR office from my employer from  XXXX , so I checked off the box that said if you are having a hard time getting someone to sign, " the department will assist you. '' No one responded to me about this other than to deny the form. I even sent in my  XXXX  's from those years, which were supposed to be reviewed ; again, no response. When I finally got someone to sign the forms, they denied the form b/c the person did n't write her phone number down, even though they said they do not call the person. No one contacted her by email, or called me, they just told me " we 're just told to deny the form and move onto processing the next request. '' Basically I feel like the PSLF program not obtainable, it seems like they are just trying to delay the process until I either give up or switch to a more affordable payment plan that does n't count toward PSLF.
Got a letter saying I owed {$14000.00} on XX/XX/XXXX. After calling found out it was from XXXX. I filed bankruptcy in XXXX this said account should have either been discharged or frozen until after my chapter XXXX bankruptcy ended. XX/XX/XXXX my bankruptcy ended I never got any bill from account holder. Now 6 months later they are either trying get money from an account discharged from my bankruptcy or mishandled my account during my bankruptcy. I want this account withdrawn as it goes against federal bankruptcy laws! They should have by law sent me a bill to resume payments not sent it straight to collections.
This is a closed account. I charged only {$200.00} and have paid {$230.00} this company refuses to completely close this account and now theyre telling me the balance on the closed account is XXXX and after the XX/XX/XXXX of each month they will continue adding late fees and interest on the closed account. At this point they are charging late fees and interest on late fees. They refuse to close it out completely and remove these absurd fees they continue to add to the closed account. I would like for them to close this account completely and remove those fees. I have paid them all I owe them.
filed complaint before XXXX -- - they said need phone number to stop calling and did send in dispute response -- - their response wanted me call them but since not able use phones then ok how and no way calling collection agency and go round and round with before can help you need verify social security number and other stuff can just change person owing info to yours scam -- - not giving all kinds personal info like that just to demand they stop calling wrong person -- this is XXXX person
Experian is still reporting 3 accounts in a NEGATIVE status that I filed Chapter XXXX Bankruptcy on. These debts were discharged in my bankruptcy. These 3 NEGATIVE accounts have caused me to have a LOW credit score. 
The accounts are : XXXX, XXXX XXXX XXXX XXXX XXXX
I am seeking validation from each creditor that has requested access to my credit report for as you put it " permissible purposes. '' I have contacted the creditors directly at your request and when the Customer Service Representative and supervisors was not able to pull up information on me, I requested a letter of Deletion as I was instructed by your agency to do. I was denied in my request since there was no actual account information on me. So I am curious as to how you were able to successfully validate this inquiries to be true and correct when the Credit Agencies could not. 
I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
I am again requesting that you validate each inquiry reporting on my credit report as well as providing me the contact name, department, and phone or email address along with verifiable proof that they had " permissible purpose ' to request my information in witting. 
As already stated, the items you are reporting are inaccurate and incomplete, and is very serious error in reporting. 
Rather than admit nothing was done on their end, I receive a standard Brush Off answer that I 'm suppose to accept. I sent over a notarized letter indicating inquiries in questions which I have no knowledge nor provided authorization to obtain. These inquires are hurting my overall credit score and have been the reason for recent accounts denials. The information is inaccurate and unless they can provide me with proof of permissible purpose, I want those accounts removed.
I have no knolage of this debt therefor I'm requesting original proof of debt, 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, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
ERC has aggressively continued to report unfavorable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks ahs continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
I purchased a vehicle through XXXX dealership. The sale price was {$5600.00}. I had {$3000.00} to put down on it but was told by the dealer to put {$2500.00} for better chances of getting approved. The dealer then told me my credit was frozen and asked for verification of my SS #. I provided the proper documentation. They then told me that they could only get my financed at a 22 % interest rate. I thought that was because I had filed bankruptcy. I went to sign the papers, they had the wrong SS #. They then said they would fix it. After 3 hours, they said they fixed it and told me sign here, sign here, and rushed me out the door. When it came time to make my first payment I discovered they were still using the wrong ss # and added my down payment into my balance. I contacted the bank and they informed me that they still did not have the right SS # and that the reason why my interest rate was 22 % was because they take bad credit and since my credit was " frozen '' they approved me. The dealer never submitted the correct info. I then had to submit documentation to the bank. I am currently taking civil action against them. Then I received a letter from the dealer stating my balance is {$2600.00} and wanted me to trade my vehicle in. Then I checked XXXX and noticed that the bank charged my account off at a balance of {$4600.00}. Sale price was XXXX - {$2500.00} down payment, but I owe {$4600.00}? This is hurting my credit tremendously! Please help me!
I have contacted this company several times as they are reporting my closed student loans with XXXX/XXXX/ and dept of ed closed with XXXX balance which should be showing in good standing on my report. instead they are showing negative on my report. They are being held against me even though the debt has been satisfied and should be reporting positively
I purchased the car over a year ago and the interest rate was extremely high, I called to get interest rate lowered to I have made all my payments on time and they said they did n't do that.
Navient consistently call me for volunteer deferment payments but also back date payments so it appears that I am delinquent. Then they start the arresting phone calls and misinformation games.
Cooling and Winter, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone XXXX This law firm is trying to collect a debt which is not mine. They continue to send me letters representing XXXX XXXX XXXX. I actually have a credit card in Excellent standing with XXXX XXXX XXXX. It is current and I have a large credit line. Cooling and Winter has sent me a credit card application dated XXXX XXXX, XXXX that is a forgery. It does not contain my handwriting nor my signature. Clearly someone using my identity. Please have them cease and desist and clear this fraudulent account. XXXX XXXX
I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, M & M has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : On XX/XX/2017 Merchant & Medical reports debt owed to credit agencies On XX/XX/2017, I sent a letter requesting that M & M validate the debt within 30 days and if they did not do so to remove the account and stop contacting me. 

On XX/XX/2017, I received communication from MM dated XX/XX/17 restating the debt On XX/XX/2017, I replied with another validation letter which was signed for by M & M on XX/XX/2017 I did not receive another response and on XX/XX/2017 I sent a final letter requesting that the account be removed after M & M failed to comply with my validation requests.
" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from my credit report.
Loan # XXXX Bank of America stated in the deed in lieu foreclosure agreement on XX/XX/XXXX that if I complied with all my responsibilities under the terms and conditions of the deed in lieu agreement I would receive {$2000.00} to assist with moving, rental and relocation expenses with 10 business days after Bank of America received the signed transfer of title. I complied with the move out agreement and moved out of XXXX XXXX XXXX XXXX, OH XXXX on XXXX XXXX. Bank of America verified that the property was vacant on XX/XX/XXXX and that the condition of the property was clean swept. I never received {$2000.00} or any assistance from Bank of America even after many phone calls and letters. The title was finally transferred to HUD on XX/XX/XXXX.
Overpaying of interests during the Refinance : I have a 30 year XXXX ARM from Wells Fargo Bank related to my primary residence ( co-op ). In XXXX 2015, I refinance a 15 year fixed rate mortgage from XXXX XXXX with closing date scheduled on XXXX XXXX, 2015. XXXX XXXX 's policy is to fund three days after closing-XX/XX/XXXX. And XXXX branches are open on XXXX XXXX. However, the Wells Fargo attorney office is closed on XXXX XXXX and can not release the stock certficate until XXXX XXXX. And the settlement agent ( XXXX XXXX attorney ) wo n't release the cash disbursement to me until XXXX XXXX. However, XXXX start charging me interests on Friday, XXXX XXXX even though the settlement agent can not release fund until XXXX XXXX.
Coinbase account closed without reasonable explanation, being told I 'm involved in illegal activities with nothing to back up said claim. I have been operating a Coinbase account for about a year now with no issues in the past, until Coinbase emailed me a month ago with the following : " Thank you for your interest in Coinbase. Our primary goal is to make bitcoin safe and secure for our customers. Coinbase is a regulated XXXX Business under FinCEN XXXX FinCEN.gov XXXX, and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. After careful manual review, it has been determined that your account has been involved in XXXX or more violations of our User Agreement. You can review the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement We regret to inform you that we are no longer able to support your Coinbase account. Unfortunately, this decision is not subject to appeal ; we are unable to reinstate accounts in violation of our User Agreement. '' After communicating with Coinbase about this issue, they state I 'm in violation of their user agreement, specifically " On XXXX/XXXX/15, your account sent XXXX XXXX to XXXX. We have reasonable cause to believe that this transaction violates the Coinbase User Agreement. Specifically, please see Item XXXX under Appendix XXXX ( " Prohibited Businesses and Prohibited Use '' ) of the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement # appendix-1 : -prohibited-businesses-and-prohibited-use If you believe this determination is in error, please provide corroborating documentation demonstrating the nature of the above-referenced transaction and we will be happy to take another look. '' I state it was an exchange between myself and a friend for XXXX, which I provide a screenshot for with timestamps that date to the exact time the XXXX was sent. In response, they sent " Thank you for your message and for the screenshot of the XXXX transaction. While the timestamp on the XXXX transaction is indeed similar to the transaction sent to XXXX, the information you provided remains inconsistent with the information we have on file for XXXX. We have reasonable cause to believe that the XXXX XXXX sent from your Coinbase account to XXXX on XXXX/XXXX/15 may be associated with counterfeit government identification documents. Specifically, please see XXXX Accordingly, we are unable to restore your account. '' Again, after denying that I 'm related to counterfeiting at all, they refuse to reinstate my account, even after backing up my claims that I 'm not in violation of their user agreement. I have n't had issues in the past and had no idea my friend was involved in counterfeiting. I want my account reinstated.
Bank of America states in complaint # XXXX, " Our records show the account was current and due for XXXX XXXX at the XXXX Bank of America acquired XXXX. '' This is 100 % incorrect. Also, IF the following is true : " Further investigation has concluded that at the time of the XX/XX/2011 transfer to XXXX, .... '', there SHOULD BE A RECORD of " Assignment of Mortgage '' between Bank of America and XXXX. The two documents provided to me by XXXX, PA Recorder of Deeds, in regards to the account in question, are the original assignment ( # XXXX ), which is under the name XXXX Bank, and was never transferred into the name of Bank of America. Also, the Satisfaction of Mortgage ( # XXXX ), is listed as " Bank of America , NA S B M TO XXXX ''. There is NO MENTION of XXXX, in any of the above-mentioned documents. Therefore, since this mortgage was never properly transferred, this deems this mortgage as invalid. Also, I do recall during the application process, I met with XXXX, and XXXX. They got the property value online, and stated I had approximately {$53000.00} in equity. I informed the Personal Bankers, I only needed {$10000.00}, to make home improvements. Upon closing, I was informed due to the XXXX/Bank of America merger ( acquisition ), signing new documents, to switch the loan to a second mortgage, instead of a Home Equity Loan, would allow the funds to be dispersed more expeditiously. Had I had known the original Home Equity Loan would have been dispersed in the same manner of time as a second mortgage, I would have requested to leave the paperwork " as-is ''. I am certain Bank of America has the ability to verify the employment of the 2 employees I mentioned. The branch was located at XXXX PA. Zip Code is XXXX.
We were almost in default with XXXX/Navient. In XXXX 2015 we entered into a 15 month repayment program of XXXX which would cover our loans ( when they were XXXX XXXX ) and we got shifted to Navient. Phone calls went away, come XXXX once Navient took over they said we broke that agreement we had, have ever cancelled auto check on the agreed upon date. Then they told me we were not paying enough, in XXXX when the switch happened they took what our XXXX loans of XXXX were and doubled them and then some. So since XXXX I have received over XXXX phone calls from XXXX different numbers, even after XXXX. It is not only tiresome but straight up vile. When I call to talk to them they wo n't speak with me till I pay off the XXXX + that I am supposedly behind. Back in XXXX I was able to speak with XXXX rep, and she told me I asked for the payment increase. I said show me that in writing or tape or whatever, it never came as I never asked for it. I am fed up and ca n't take the repeated XXXX phone calls 7 days a week from XXXX ( automated ), XXXX XXXX or XXXX XXXX. So since I refuse to pay money on fees, etc they are jacking my loan towards the roof, over XXXX in the last 7 months.
XXXX XXXX / XXXX XXXX XXXX WENT ON MY TRANSUNION AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX  XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''XXXX '' XXXX XXXX..
My home had a fire back on XX/XX/XXXX. I had image in excess of 300K. After 6 months of tedious deliberations with my insurance company we came to a settlement amount. The first of 2 checks of this amount was submitted and made out to me and my mortgage company who is Citibank ( Citimortgage ).  Citibank requested documentation such as re-building proposals, XXXX XXXX for GC, GC 's contractors license and valid insurances etc. All have been submitted and processed. Meanwhile it has been over 3 weeks since they have received the first of my 2 settlement checks and as of today they are refusing to release the initial amount required ( deposit ) to my contractor so he can begin working on re-building my home. I call everyday and there is always some sort of delay or issue with their processing system. My contractor is slated to begin work Monday XX/XX/XXXX and I am forced to go into my personal savings to furnished him with some sort of down payment to begin work or he will move on to another project and I will be left to find another GC and re-start the entire permit filing process again ( which took 3 months with the City of XXXX XXXX, NY ) to get to this point of commencing. I have repeatedly told Citibank that time is of the essence and if I lose my window of start opportunity it will cause more damage to the home since it is sitting dormant with time more damage will occur. I have no other outlet as they are holding the monies meant to re-build my home and not forwarding to my GC no matter how we comply. Another issue is that they will only release a very small amount which is not nearly enough to cover the requested down payment to begin the massive work required for the rebuilding of my home Regards - XXXX XXXX
Transunion has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.