WillisBack/dataset-financial-user-claim huggingface dataset:
Nelnet has been my loan servicer for XXXX groups of Stafford loans that I took out between XX/XX/XXXX-XX/XX/XXXX to pay for medical school. I began paying on my loans XX/XX/XXXX on an income-based repayment plan, because I was counseled by Nelnet that my loans qualified for the public service loan forgiveness ( PSLF ) program and I work in the nonprofit sector of XXXX. I diligently made my payments for six years, renewed my IBR annually, and checked in with Nelnet 1-2x a year to ensure everything was on track. This year, after making 6.5years of payments, I submitted my paperwork to the federal goverment PSLF and was denied on the basis that my loans were not " Direct '' loans as Nelnet had claimed them to be. When I called Nelnet I was told, " The government must have made a mistake, your loans should be eligible. '' When I asked them to look further or talk to a supervisor, they realized that " For six years we had been telling you the wrong information, your loans do not qualify. '' The representative also said, " If you do n't like the answer that you get when you call Nelnet, you should call back and speak to someone else. There are many people here that will say anything to get you off the phone. '' Nelnet made an egregious mistake that will cost me hundred of thousands of dollars. Instead of having my loans resolved in the next 3-4 years ( PSLF requires 10 years of payments/employment ), I am at least 10 years away from having my loans qualify for the PSLF. I am a highly educated, motivated and pro-active person who is feeling the strains of student debt, and I can not imagine how many others that Nelnet has wrongfully counseled regarding incorrect eligibility for PSLF.
, XXXX XXXX, Il, XXXX, entity number is XXXX, and the address in Delaware is XXXX, according to the CA Secretary of States XXXX XXXX. So, this company is a customer of the prepaid city payroll. I am not speaking about other Sears, but only what happened to me, that since I was added to their account, and the management kept it a secret, they had also all the powers to control it, spend it and so on. That 's explaine, why I could not get any statements from them, and was fed tomorrows. I have every check that was deposited on the statements and every XXXX says that the money were deposited into checking account, ending XXXX ( I am not going to put it here, but I will send to you ). And, of course, it was not my account, it was their account. These people, I worked for, were living of me. Shame! I want justice, and I want all the refund. Not only, how emotionally had they broke me, not even including. Thank you. Please, I will wait for your response. MY phone number XXXX XXXX XXXX. Thank you, again, with all my respects, XXXX
On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.
I bought a Vacation Club Membership on XXXX/XXXX/XXXX while in XXXX, XXXX. I attempted to cancel it, but apparently did it wrong on XXXX/XXXX/XXXX. I also called them on XXXX/XXXX/XXXX and tried to cancel, they let me think all I had to do was call back after I got all my paperwork, so I waited until I got it but then I was told it was after the time limit. 
I put the charge on AMEX specifically because of the protection they say you have if you get ripped off. When I called AMEX initially the CS Rep told me it happens all the time, not to worry about it and they would get it taken care of, just file a dispute. So again, I let it go because they led me to believe they were going to take care of it, so on another angle, my time to cancel using another means ran out. I filed the dispute 6 times with AMEX and each time they denied using different reasons and documents they received from merchant that were not relevant in some cases. I have attached them. This company has an office, XXXX of them that I could locate, in the US also. I also went to an attorney, who charged me for a consult to tell me to " XXXX '' or file against Amex because I was not going to be able to do anything against the vacation club. I went onto AMEX community form website and there are numerous people on it with the same problem that I have had with AMEX and disputing charges. I have called and called them and just get passed to another phone operator. I have sent them written confirmation from the merchant where I tried to cancel on XX/XX/XXXX and then AMEX came back and said they denied because vendor said I never tried to cancel or never complained. If I was rich it would be different, but this was XXXX of my savings. I am just stupid..really stupid and looking for help. I am not trying to get out of paying, I have paid all of it to AMEX and I paid it before I had to. I did n't want to look like I was trying to scam someone out of money or just not pay.
1. I have tried on numerous occasions in the month of XXXX and in XX/XX/XXXX sent certified mails to these credit bureaus and the credit card companies about these inquiries and to have Trans-union to delete out this unauthorized inquiries from my report but to no avail. I have mailed several letters I found XXXX, XXXX / XXXX /XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX XXXX , XXXX /XXXX, XXXX / XXXX, AND Transition and all these credit companies have refused to delete this unauthorized inquires from my credit, I do not have any accounts with them, have asked them to show proof that I authorized this or else delete it. I have an excellent score and am not trying to have authorized information and or inquiries on my report. 

Please use your good office to contact them to delete this information from my report. 

2. On XX/XX/XXXX and on XXXX XX/XX/XXXX I have sent certified letters to the credit companies and the credit card companies about unauthorized inquiries on my report which are as follows : XXXX / XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXT XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXXXXXX XXXX. 

I did not authorize thesis inquiries, I understand they are in business to solicit business, but I do not have an account with them as well. I want them to delete these from my report and send me a letter to this effect. I have sent numerous letters certified to them but no reply. 


3. XXXX On XX/XX/XXXX and on XXXX XX/XX/XXXX I have sent certified letters to the credit companies and the credit card companies about unauthorized inquiries on my report which are as follows : XXXX / XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

I did not authorize thesis inquiries, I understand they are in business to solicit business, but I do not have an account with them as well. I want them to delete these from my report and send me a letter to this effect. I have sent numerous letters certified to them but no reply.
BYL Collection Service account # XXXX did not provide adequate verification for debt in question no documents were provided showing a contract or signature
My mother passed away in 2013, leaving her home to my family. I am not the executor of the estate so the company will not allow me to take over the mortgage. I do n't make enough money to pay it and I keep getting the run around. I make enough money to pay a mortgage. The account is in default now and I ca n't seem to get them to help me keep the house. I understand that I have a right to the house and the will gives me claim, but I ca n't get them to work with me.
Under 623-15 U.S.C. 1681s, Section 623 ( a ) ( 8 ) ( E ) ( iii ) that references FCRA 611 ( a ) ( 1 ), that allows only for a 30 day period to answer the dispute/complaint. 

This dispute/complaint was sent to you via the CFPB on XXXX XXXX, 2016 to which the CFPB assigned a case # XXXX. 

I expect an answer no later than XXXX XXXX, 2016.
TransUnion has once again allowed these fraudulent accounts that were previously blocked and deleted due to identity theft to be re added to my credit report. I do not have any accounts with XXXX XXXX XXXX XXXX. I have not done business with these credit union. These accounts are fraudulent, and these are the result of identity theft. You have received my law enforcement identity theft affidavit and have been notified that these accounts are fraudulent. You then re added these accounts after already previously having your team block these. Please permanently block all XXXX XXXX Accounts this includes credit cards. I do not have accounts with this institution, nor have I ever done business with this institution. They opened these accounts without my permission.
I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.
Paid this account off with ZALES in XX/XX/2018. The rep told me that once i paid it off they will delete it from my credit report. I paid it off and i gave them 30 days to delete it ( thats what they said it would take for them to remove it ) i recently pulled my credit report and it still shows up on there. this is holding my back and hurting my FICO score.
XX/XX/XXXX, my son ( a XXXX XXXXt at XXXX ) made two purchases ( gas ) using the TD bank credit card I gave him. The bills are mailed to me at my home in XXXX XXXX, XXXX. I always pay them on time. However, I spend the time from XX/XX/XXXX to XX/XX/XXXX in XXXX. I fill out a change of address form with the US Postal Service and all my bills are forwarded to me. For reasons I can not fathom, TD Bank does not allow their bills to be forwarded. I got my bills from XXXX, etc but nothing from TD Bank. In XX/XX/XXXX or XX/XX/XXXX I got a call from a TD Bank rep who was a bill collector, telling me I was 90 days delinquent in paying my bill. I told her I had never gotten a bill, nor any notice that I was delinquent. She checked and said the bills had been returned to TD Bank as undeliverable. I told her that was impossible, my mail is forwarded to my XXXX address, and I had been receiving all my bills ( credit card, insurance, electric, etc. ) She said TD Bank does not allow their bills to be forwarded " to guard against fraud ''. I asked how much had been charged to the account in puchases, and she said {$71.00}, which I paid immediately. But she said I owed late payment fees and interest charges. I asked them to waive those fees, as the reason I was late was their refusal to allow the bill to be forwarded. They refuse. The late fees and penalties now exceed {$130.00} ( with interest the amount they claim I now owe is {$130.00}. I have called at least three times but they refuse to waive the penalties and interest. I am now getting threatening letters and phone calls ( they say they will report me to a credit bureau ). it is absurd for them to CAUSE me to be late by preventing my bill from being forwarded, and then seek to collect penalty fees that dwarf any interest charges. And I paid the purchases in full! Please help me. The bank is totally unresponsive and is demanding I pay them all these penalty fees.
On XX/XX/2017 my debit card was stolen and used for a purchase at a walgreens for an amount of {$210.00}. Immediately upon discovering this I notified my bank J.P Morgan Chase of this issue and filed a fraud claim. Additionally I filed a police report with the city police for the crime. Now this crime was unique in the fact that my card was taken from my wallet without my knowledge then returned as a means to hide the actions of the perpetrator. I explained this to Chase and they issued me a credit for the amount lost, and sent me a new card. My case with the police department was worked by a detective that handles financial crimes, surveillance tapes were reviewed, and an arrest warrant was issued for the individual that had stolen my card. 

After this had occurred on XX/XX/2017 I received an email from Chase stating that my fraud claim had been denied and that the credit would be removed from my account. I reached back out to the chase fraud department and asked for an explanation, they stated because my bank card has a chip and because it was in my possession at the time of the transaction no theft could have occurred and therefore my claim was invalid. I explained again what had happened when the crime occurred, the representative said that a new claim would be opened and the claim reversal amount was never removed from my account. 

After receiving no information from chase on the status of this investigation, on XX/XX/2017 I noticed a transaction on my account for a claim reversal for the previous amount stated of {$210.00}. I contacted Chase bank and they said part of the issue was there being two claims open for the same transaction. The rep closed one of the claims, and said that the credit would be returned to my account within 3-5 business days. 

Today XX/XX/2017 I contacted chase bank to follow up and inquire why the credit had not been returned. The first rep I spoke to had stated because the claims department was attempting to contact walgreens to verify information about the transaction and that there was no timeline as to when this would be completed. Being dissatisfied with this I accepted an offer to speak to a representative in the escalations department. This rep I spoke to then informed me that there was no open claim and that chase had completed their investigation, and that the credit was properly removed from my account and would not be returned. I requested that this claim be re-opened and offered to provide the police report and information regarding the criminal investigation and subsequent arrest warrant issued regarding this claim, however the representative stated that this documentation would have no bearing in the investigation because it was closed and would not have any impact regarding the claim.
Metro Rep Comm Svc Inc. is reporting a medical collection account on my credit report to all XXXX major bureaus despite the fact that I informed them upon initial contact that I was disputing the validity of this debt. They never contacted me prior to reporting this account. I discovered the account through XXXX XXXX. I tried to call Metro Rep Comm Svc Inc. but they were very difficult to get hold of. They never answer the phone. I left more than XXXX message that I was disputing the account with the original medical provider because I did not receive the services claimed. I have asked for a complete accounting of the bill but I have been ignored. I have never received a call back, any correspondence from Metro Rep Comm Svc of ANY kind yet they are reporting this on my credit. I believe that this is a violation of several laws including but not limited to Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. I also believe this may be a violation of the XXXX XXXX and the recent agreement between the bureaus and the New York XXXX as this is a medical bill.
I have received numerous calls due to a past due credit card payment- I answered while on a brief break at work, the woman on the line asked if I was ( First, Last name ), in which I replied yes. she then disclosed the debt, where it was for, amount, due dates, all details without first verifying my identity, or that I was in fact the borrower. Anyone can say yes to this question. I am extremely upset that they would disclose this personal information to anyone who would say they are me.
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Comenity Bank, Children 's place store card
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , &   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX      XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX
I have submitted several disputes about the current payment status of " XXXX or more past due '' on XXXX accounts with Equifax and they always come back as confirmed with creditor. The XXXX account was settled in 2012, and the XXXX XXXX XXXX account was transferred over a year ago. XXXX creditors say the status is incorrect but they can not change it. How can accounts be closed with zero balance and also be 120+ days past due at the same time?
We filed for a Chapter  XXXX  Bankruptcy and ha d a Wells fargo Home Mortgage  at the time. When we came to the end of the Chapter  XXXX ,  Wells Fargo sent us a Mortgage Modification Plan, wh ich included making three payments during a trial period. We made the payments on the dates they requested, and we have all documents to prove the payments were made.     Once the payments were made, we entered into a mortgage modification. We have since discovered that the payments we made were reported as late, affecting our credit. We have tried to resolve this with "  XXXX  '' from  Wells Fargo, but he h as now reported he will not change the information.     Our complaint is that since we never received any documentation fro m Wells Fargo sta ting that if we made the mortgage payments during the trial period, it would affect our credit. We believe that since we were not notified of the possibility of the negative credit reporting to our credit if we made trial period payments, the reported late payments on our credit should be removed.
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
I ' am have a problem with M & T Bank, now my husband and I do not have that much money to speak of but for some reason M & T is charging us over draft us overdraft fees of {$38.00} for transactions that should come out when you make that transaction and when I check it on line it is pending, but the next time I check which sometimes is the next day or few days after we are charged these fees for overdrafts. I do my banking online and sometimes I get message stating that the on line banking will be down because of updates and every time this also happens I get every more overdrafts, we also get overdrafts on the same day that my husbands direct deposit goes in even if it is with in mins of the transaction happening. So last week XX/XX/2016 I got my XXXX check there was two hundred and some $ of overdraft fees which crossed as my check was being deposited. It seems to me it is every time we have a direct deposit or they do an update it costs us so much money and I thing this should be checked out, I did call their service department and asked them why this was happening and she said " I do n't know what you want me too do you need go in and talk to someone at your bank " will why are they called the Customer Service Department? Like I said in the beginning we do not have that much money and we come really close in my banking but it is coming to much of a pattern and I think this should be looked into.
This is my XXXX dispute regarding erroneous information on my credit report which the agency has had over 30 days to investigate and has provided no proof of said investigations which has willfully defied the FCRA and FDCA.
XXXX XXXX XXXX refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the ip adresss used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.
I have repeatedly disputed the XXXX account on my credit report. Experian did not investigate my dispute and not provided and proof that they contacted XXXX at all. I have sent Experian and XXXX a copy of my identity theft affidavit and FTC report. They refuse to remove the account and refuse to provide any investigations results.
Had a personal line of credit since XX/XX/XXXXwith US Bank. Employment, medical problems circa XXXX. Unable to clear the line of credit, and eventually retired. The line of credit was charged off as uncollectible by US Bank. The bank keeps showing the account in a current late pay status even though it is classified as a charged off account. Attempted to get a loan, but there were questions about the late pay status of the account.
While I haven't agreed to the defaulted original amount that Hunter Warfield Inc trying to collect for the Creditor named XXXX, Hunter Warfield keeps adding interest charges ( I guess ) to the original amount. I have never received any written notices or verbal notices on that. Thank you.
On XXXX XXXX, 2017 I filed a complaint against XXXX XXXX XXXX XXXX they were able to verify the alleged debt but did not validate the alleged debt against this consumer according to the Fair Debt Collection Practice Act.
by end of XXXX 2017, I found all my 3 credit card with XXXX balance at Bank of America has been closed without notice, while there is a reward card has XXXX $ worth award left unused, I tried to contact the bank and ask for reopen, they wont be able to give a reason why closed at first place. so I am asking CFPB for further help, I paid the annual fee but be closed less than one year, so I believe the bank should offer compensation or refunded for the annual fee