WillisBack/dataset-financial-user-claim huggingface dataset:
I have a U.S. Department of Education federal student loan that is being serviced by XXXX XXXX and the guarantor is Nelnet. The total loan balance is {$3700.00}. The account number is XXXX. I applied for a XXXX discharge because I am XXXX, I receive {$1000.00} monthly in social security XXXX income and this is the only income in my household. I can not afford to repay the student loan balance due to my fixed income. I barely have enough money to buy food after paying for housing and utilities. I provided Nelnet with the completed XXXX discharge documents and a letter from the social security administration stating that my XXXX has been certified for 3+ years. Nelnet denied my request for XXXX discharge because they request a XXXX certification of XXXX years. I have spoken with the social security administration and they have advised me that there is no such thing as a " 5-7 year XXXX certification. '' I reported this information to Nelnet and they still refused to reconsider my request for XXXX discharge. The Doctor that previously certified that I am XXXX has retired and is no longer a practicing physician. Instead of acknowledging the 3+ years of XXXX ( + means greater than 3 years ) Nelnet insist on making my life a living by requiring 5-7 years of XXXX certification. Please note that I have received social security XXXX since 2005 - present day. I have been approved for my LAST forbearance and I am terrified of what the outcome will be when the forebearance ends because I can not afford to pay. 

In addition, my student loans are result of me pursuing a degree at XXXX University. I only took XXXX course at XXXX University, a For-Profit educational institution. The tuition was astronomically high. 

I am requesting that my student loan balance be discharged as a result of me being permanently XXXX and I am requesting that my student loan balance be discharged as a result of me accumulating unnecessary student loan debt because I was taken advantage of by a For-Profit college, XXXX University. 

I sincerely thank you!
Small Claims was filed against me for this loan, when I did not sign any loans documentation/nor is my name listed on the contracts for this lending company.
I have signed up for recurring payments with Sallie Mae 3 times in the past 6 months with their 3 month automatic payment plan. I contacted them XX/XX/XXXX after 3 payments were to have been taken out of my account ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and they said the XX/XX/XXXX payment had gone thru but the payment for XXXX had not. I contacted then again shortly after and they said none of the previous payment had gone thru so my account was delinquent. When I inquired the customer service rep they said my account was delinquent and the only way to get it current was to sign up for automatic payments which I did on XX/XX/XXXX again. When the payment scheduled for XX/XX/XXXX was not debited I contacted the customer service department again. They said My account was delinquent once again and that My only way to bring it current was to sign up for automatic payments. The next payment was debited on XX/XX/XXXX which only was debited from my account because I made the payment not because it was automatically taken from my account as it was supposed to be. During this ordeal my credit score has suffered, and received negative marks due to Sallie Mae 's inability to keep up with my payments.
Ally Financial is not providing me with any billing statements. I dont know if my payments are even being applied. My wife filed Chapter XXXX Bankruptcy. I did not. Ally filed a proof of claim. I continued to make payments. The Bankruptcy was dismissed on XX/XX/XXXX. There is not automatic stay and no reason to deny my billing statements. In addition, Ally is inconsistent since they provided an emailed copy on XX/XX/18. They are not sending me paper statements nor emailed statements. When requested, they refuse.
I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop.
I am one of he consumers that was convinced to use he Temporary Reduction in Payment Plan ( TRIPP ) and should be part of he restitution yet when i call I keep getting transferred to CS in another country and they sate i am not due anything and that my account is closed and refuses to transfer me to an american operator. he same car also had gap coverage that was totaled and i had to pay ~3000 since the gap did not pay the loan off. These were all part of the settlement Santander should be refunding to customers but sem to be making it difficul for us to recover.
XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. On XX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. OnXX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.
On XX/XX/XXXX, I applied online for a auto loan at the U.S. Bank website. The bank did not communicate with me on the progress of my application ; I did not receive any phone calls, letters or emails.

On XX/XX/XXXX, I made a phone call to my local U.S. Bank branch and spoke to manager XXXX XXXX. She told me that my application had been denied due to insufficient documentation. I said that the bank had never requested any additional documentation from me. She said I can bring proof of my income to the branch and she would appeal the denial decision. I came to the branch on the same day and gave her copies of my recent paychecks. I told her that I did not want to appeal the banks decision if this results in a new hard inquiry on my credit report. She said that there will be no hard inquiry if she appeals the decision.

In two days, on XX/XX/XXXX, she called me and said that she had been unable to appeal the decision because the case had been closed. She also said that I can apply for a pre-approval for an auto loan again ; if I do so, I have better chances to be approved. ( My first application was not a pre-approval ; it was the actual loan application ). She said that if I want to proceed with the pre-approval, I need to come to the branch again and sign the application. I asked her again if this would result in a hard inquiry on my credit report, and she said no, it would not, because the second application is submitted within 30 days from the date of the first application.

I came to the branch on the same day and XXXX XXXX told me that I would meet another banker, XXXX XXXX, to finalize the second loan application. XXXX XXXX actually told me that he did not need my signature to submit my application. He even said that he did not know why XXXX XXXX had told me to come to the branch. According to him, the application process could have been done over the phone. At that time, I became very alarmed as I realized that XXXX XXXX says something different every time I speak with her. I specifically told XXXX XXXX that I do not want to proceed with the second application if it results in a hard inquiry on my credit report. Just like XXXX XXXX, XXXX XXXX also told me that no new hard inquiry would appear on my credit report. He submitted my application and I left the branch. When I came home, I received a notification from XXXX, credit reporting agency, about a new hard inquiry placed by the U.S. Bank on XX/XX/XXXX.

I consider this activity as customer fraud and sales fraud.
The information on my XXXX credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?
I contacted Chase on XXXX/XXXX/XXXX notifying them that I wished to open a billing dispute in the amount of {$280.00} for a charge that occurred on XXXX/XXXX/XXXX from XXXX XXXX. I then contacted Chase again on XXXX/XXXX/XXXX because I had not heard anything additional, except for a confirmation that they were working on my dispute ( see attached ). I did not receive an outcome to the issue until the resolution was mailed on XXXX/XXXX/XXXX. This falls significantly outside the FTC 's regulation that the dispute be resolved within XXXX billing cycles ( but not more than 90 days ) after being notified.
Bottom line, i was told by XXXX XXXX that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.
I obtained a used car loan with TD Auto Finance and was a cosigner for my husband. He became XXXX and could not work anymore, so we asked TD Auto to consider lowering the payments or any other financial assistance for the hardship. They advised that there were n't any options available and the only thing we could do is refinance, which was not an option due to behind payments. At that time we agreed to voluntarily surrender the vehicle. Few months later received a large {$19000.00} bill for the deficiency balance and letters from their attorneys. This company charged very high interest rate on the car loan and were not considerate of the financial hardship.
Phone number XXXX ( XXXX XXXX XXXX ) made following calls even though my number is registered in the 'do not call ' registry since XX/XX/XXXX. 3 of the 4 were robo calls and on one, a person asked to speak to XXXX. I informed the person that there was no XXXX. The robo calls started leaving voice messages stating that they had information related to 'my case '. I called the number and asked for them to remove the number from their list. They refused because I would not give them my name. 

Date Time Destination Number Call type Minutes XX/XX/XXXX XXXXXXXX XXXX XXXX 2 XX/XX/XXXX XXXX XXXX XXXX 1 XX/XX/XXXX XXXX XXXX  XXXX 1 XX/XX/XXXX XXXX XXXX INCOMING XXXX Off Peak 1
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Received letter in the mail on XX/XX/XXXX ( postmarked XX/XX/XXXX ) explaining that they have a claim about a car accident a couple years ago on me for about 12000 . I sent a letter on XX/XX/XXXX in response requesting more information so i could verify the debt was valid and how much of the total amount. They sent no response to the letter. I called the company i believe on XX/XX/XXXX to verify the letter was received and to request the information. They confirmed they had revived the letter. I was told that they did not need to respond to the letter because of HIPPA laws. So i was never sent any more information to verify the validity of the claim. He gave minimal information on the phone call about how much was property and what was medical. Did not say if the entire amount was what i owed or if it was only part of it. Then proceeded to tell me the options i had to pay it back. 50 % up front by XX/XX/XXXX ( check had to be received by XX/XX/XXXX ), or payment plans for 100 % over the next few years. I said i would look into it, which is when i called the CFPB to discuss the situation. I have attached a photo of their letter
Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called XXXX  who transferred me to the " closing department '' ( XXXX ) and was advised that XXXX closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why XXXX would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another XXXX investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by XXXX as a true example of professional banking standards and regulatory compliance. This was surely a waste of XXXX employees time, of mine and is a clear example of a break in process.
Loan #  XXXX  Lender :  Wells Fargo Address:  XXXX   XXXX   XXXX ,  XXXX   ,  MD  XXXX .   I applied for loan modification f or over 15 times, at my count, and Wells Fargo denied them all. The last loan modification was denied on the ground that I was financially sound. I suspected it was a pretext. I called Wells Fargo and offered to make payments, since they determined that I was financially viable, and I am. They r efused to take my payment. I protested and asserted that it was not a ground for denial of loan modification.  XXXX   XXXX  whom I spoke with said that I was denied because I had equity in my home. I protested again, asserting it was  not a lawful ground to deny modification. WF said I had one option, namely, to short sale my house. WF had no intention of giving me loan modification, even though they were bailed out with taxpayer funds during the housing crisis and they used the money to buy Wachovia, which was how WF acquired my loan. WF manipulated interest rates, failed to credit my payments, canceled my low-rate insurance and forced one on me with high premium in which they were paid kicks. WF refused to acknowled ge my hardships ranging from my sons debilitating illnesses, my wifes illness, my daughters death, my  XXXX  income as a   XXXX    from  XXXX  to  XXXX , so that they would not forgive the delinquency, give me a rate down, give me principal reduction, forbearance, etc. The evidence of using equity to deny loan modification is demonstrated in the attachment.
I had receive a credit report on XXXX XXXX, 2016 report # XXXX. I tried to use contact information at experian.com/disputes to dispute XXXX claims. It would not let me dispute these on this site. XXXX were XXXX XXXX for student loans. These loans were sold to XXXX and are in good standing. XXXX is XXXX for a car that was supposed to be included in a banruptsy XXXX.
I am paying Navient every month for mt student loans and, over the years, I've been experiencing a number of problems with them. The most prominent has been their customer service. They offer the opportunity to set up automatic payments online, but the system never worked. So, every couple of months, my account would go " delinquent '' and they would harass me with automated messages on a daily basis until my account was paid. I had to reach out to them by other means THREE DIFFERENT TIMES explaining that the problem was with their automated system. I would even review my account online before calling to ensure that my automatic payments were established, only to find out over the phone that my automatic payments were NOT established. I am hurt that this could have made impacts to my credit score over the years that I may not be aware of.

The next problem I have with Navient is that they are playing around with the interest rate percentages on my loans and also changing the amount owed from some of them. I had one Stafford Subsidized loan sitting at 2.500 % interest and less {$900.00} left to pay suddenly change in the last month or so to 3.280 % interest and OVER {$900.00} remaining. I am currently taking monthly screenshots of my account and can have more information in another couple of weeks. I am pressing this review because I just learned today that I can submit a complaint through the CFPB and will be submitting a duplicate for Navient 's federal loans too.
Hello my name is XXXX XXXX XXXX XXXX. We were told we got a pre approval to purchase a home through Consumer Real Estate Finance Company ( CREFCO ). We had some concerns regarding a previous property that was included in a chapter XXXX bankruptcy and foreclosed upon. We wanted to make sure that this was not going to be an issue before we put an offer in on a home. We received an email back from XXXX XXXX a loan officer with CREFCO on Tuesday XX/XX/XXXX the read " Because the home that went through foreclosure was included in bankruptcy. we should not have any issues through underwriting ... '' After puttiing an offer in on a home and investing {$500.00} earnest money down, paying for a home inspection at the cost of {$300.00}, and FHA inspection at the cost of {$540.00}. and a re-inspection of {$170.00} for a total of {$1500.00} we are told that we can not get a clear to close because the foreclosure date that the title was transferred out of my name was XX/XX/XXXX. As this company claims to be FHA financing experts they should have known when asked before I invested any money that there would be issues. We asked and counted on their professional opinion that has now cost me XXXX and we can not get the home because of the exact issue we asked about up front. They should be held responsible for negligence and ethics violations.
on XX/XX/XXXX I financed an XXXX from XXXX and XXXX. At that time of the purchase of the XXXX XXXX tells me that after a full year of paying on time I can trade in the XXXX and get into a newer car and lower my Monthly payments I was thinking great that 's exactly what I would like to do to fix my credit. So I did just that, at exactly a year on XX/XX/XXXX. I went back to XXXX so I can trade in the vehicle and get into a newer car and lower payment so I do just that I brought the vehicle, he inspected the vehicle and then tells me he would take my XXXX as a trade in and get me into a XXXX paying XXXX per month I was paying {$590.00} per month for the XXXX. I also notified the lien holder on XX/XX/XXXX that i was in the process of trading in the car and they mentioned that they were going to contact the dealership. I purchased the vehicle from XXXX and signed the contract for the XXXX and left the XXXX in XXXX Possession. Now a year late I pull my credit and the truck was never paid instead he claimed the Truck was inoperable. XXXX had his mechanic Contacted the lien Holder so that he can get the title and had the account charged off as bad debt on my name so that he can receive the title and resell the vehicle. The XXXX was in perfect condition when I dropped it off to him. He took it as trade in after inspecting the vehicle. I just found out that he has resold the vehicle to a XXXX who is the new registered owner. The lien holder does not want to help in this matter. The lien holder should go after the dealership and or after the new register owner of the vehicle. Also the XXXX he sold me was a previous rental from an out of state rental company ( owner ) and both cars where sold to me over the XXXX value. He never stated any of these circumstances with me nor failed to disclose any of the issues in the contract when I purchased the vehicles. Rental vehicle depreciate in value and it a XXXX to sell a previous rental vehicle at XXXX value. XXXX and XXXX Has been convicted of XXXX dealership fraud in XX/XX/XXXX not allowing him to even operate any business yet alone another dealership due to Fraud Judgement against them both. I would like to be reinburst what I have paid out and have the debt deleted from my credit report. I have attached the documents needed also.