WillisBack/dataset-financial-user-claim huggingface dataset:
I have been employed at a XXXX since XX/XX/XXXX and have made monthly payments that I was told qualified me for PSLF. I transferred my student loans from XXXX to fed loan serving in XX/XX/XXXX and submitted the paperwork to be considered for PSLF. In XX/XX/XXXX I received a letter informing me that I could expect notification regarding the number of qualifying payments. I have received nothing since then. I have called and learned that my information is pending and there is no way to anticipate the timeline.
I was awarded the XXXX Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. 
Well they now transferred my loan to XXXX, and now I lost all of that. 
I now owe a payment each month I was not anticipating paying.
Century 21 Mortgage have a mortgage service center call PHH Mortgage that handles all their Mortgage. In around, 2010 I was delinquent on my Mortgage and they gave me a government program with a 2 % interest remodification and at the end of the the tax year I was sent a XXXX with around {$100000.00}. After I was paying my Mortgage on time for a while I was sent a letter with XXXX of checks I had sent saying the amount for mortgage has now change and I need to get in touch with the mortgage lawyer and and see how much I need to pay to be current I was tolded by the lawyer {$16000.00} of which I had about {$6000.00} money sent back by the mortgage company and being delayed in the mail. The mortgage company decided to work with me to become current sent all the document with the correct principal and amount we would pay monthly. We setup a separate account and wait for the direct withdrawal of the new mortgage to my surprise money sat in the account for XXXX months when we call the mortgage company that told us that their was an error on their part and they short the principal {$100000.00} which can only mean they are trying to charge me for the {$100000.00} they had already got credited for. I tried getting it resolved but the company kept changing the agents that I dealt with in the early years of the mortgage, so its hard to track to see when the figures increased and decreased on account of errors of numbers so now my mortgage principal is {$100000.00} over in valve and company refuse to remove the error so we can get our montly payment back on track.
I have had an account with CareCredit prior to their changing to Synchrony from GEcapital. After XXXX work a year ago, I have been paying double the minimumPayment required, regardless, once my balance fell below {$150.00} on a " promotional purchase '', I found that I was charged almost {$600.00} in retroactive interest. I understand the concept which is why I paid $ XXXX on a {$120.00} min payment. I was told I was because I was not paying enough. I have no control over how the payments are posted. This is clearly a deceptive and misleading practice propagated by CareCredit!
Received a vague call from "  XXXX   XXXX  at extension #  XXXX  telling me either I or my atty must call her regarding an urgent matter ( did not disclose company or debt on the phone ) and gave me this number to call her back :  XXXX   XXXX   XXXX  X  XXXX . I googled this and it appears to be some kind of scam, so did not respond to the phone call. I would liike to see these kind of scammers apprehended and their ability to get phone numbers shut down. It looks like they have been doing this kind of activity for several years.
i am unaware of being seen by this doctor i am sure nothing was signed everything was to be covered by blue cross blue shield of texas due to XXXX that occurred between XXXX/XXXX/2014 and XXXX/XXXX/2014. I am unsure of the date. this insurance was part of obamacare.
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is 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   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 As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
On XX/XX/2018, I requested Mr.cooper ( Mortgage company ) to remove my MIP, since I have met the requirement. On XXXX XXXX, I received the letter from Mr. Cooper that my monthly MIP in the amount of {$310.00} has been removed. After I check my XXXX statement, I didn't see any MIP disbursement from my Escrow account. However on XXXX statement, I saw two amount of MIP disbursement from my Escrow account. So I called Mr cooper and was informed that they will request the refund. I've waited for 4 weeks and called Mr cooper and was informed that they will not refund because the 2 MIP disbursement on XXXX statement were from XXXX and XXXX. I argue that the XX/XX/XXXX letter state that " From now on, your monthly MIP in the amount of {$310.00} has been removed ''
I moved into XXXX XXXX XXXX  in XX/XX/XXXX, or towards the end in XX/XX/XXXX. When moved in they seem to be nice, but the apartment was not completely clean. I have a witness that can state it still smelled like animals when I moved in the kitchen draws we're not fixed, stove and fridge was not clean. They did take care of it eventually. They made us get renters insurance for XXXX dollars a month which I was glad of because it was a malfunction on the stove and it caught a fire I made the claim and told insurance company my personal belongings were ok, and that they could fix their equipment if they filed a claim because there is a XXXX  deductible. I then told XXXX XXXX and their response was Did we charge for anything? And dismiss it, but I did not because I felt that was strange. I told the insurance person that they would be in touch. When it got close to the end of my lease they started to pressure me to sign a new lease, when I did not I was late on my last month which was XX/XX/XXXX and they kicked me out immediately and would not work me. As a matter of fact we had to pay utilities through them and they let my toilet run water for two weeks without fixing it, another reason why I was not reluctant to pay my full rent. They kicked me out and told me I had to leave to save them costs on an eviction process which I did not understand how that worked. The day they told me that I moved out. They are trying to get 2-3 thousand dollars out of me which they know I do not have, I do not owe, and out of spite. What makes matters worst they were so underhanded when I asked what it was for they asked was they v being recorded and come in and talk about it. This matter is not on my credit report, but they have it posted on my rental history to keep me from getting a new place. They reported to a lawyer for collection, but yet in still it was not posted on my credit report to dispute. XXXX XXXX is not a good place to live because it is some underhanded activities going on. When you do not sign a new lease it is a problem and they definitely will try and over charge you. I feel like there is some defamation of character going on because I stayed there a year and now in the end it was a problem. It is also conflict of interest because it should have been on my credit to dispute it has been over a year and they would not mind talking on the phone about the dilemma even if I was on a recorded line and they have nothing to hide. I am currently pregnant and this situation has put unnecessary stress on me, and caused undue hardship because instead of working with me on the rest of the last month rent, I had to move my stuff, find another place, and making it difficult for me to find somewhere decent and affordable to stay. I would not give them a recommendation for future tenants.
I filed for Chapter XXXX Bankruptcy and included items listed in Chex Systems in the Bankruptcy. I continue to receive decline notices because of the Chex Systems and the items were discharged today. Please have Chex Systems remove these negative items as I am unable to participate fully in the banking system and the items are improperly reported.
Experian and XXXX never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take legal action.
a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress
I dispute with Transunion and ask for specific information to help me settle my situations with creditors and they send me information that is computer generated. I need for them to check the information not get computer generated information, so I will be able to follow up on the dispute with the physical information they obtain. So I am attaching a letter to this complaint for Transunion, which is a request to investigate and provide me everything I need listed in the letter to help me settle my dispute.
I have a student loan with MyFedLoan.org. I am in the XXXX and have been for almost 5 years. I 've always paid my monthly loan on time. Every year MyFedLoan requests that I submit my pay stubs so that they can calculate my monthly payments, and up until 4 months ago I and neither has MyFedLoan had an issue with my financial documentation. Now, they are telling me my paystub is invalid, illegitimate, and can not be used because it is not the same as the paystubs from the other XXXX branches. Now they have me paying a very high monthly payment that I in-fact can not make because somehow they were able to obtain my yearly income, which is very off from I 'm actually making, and thus causing the high monthly payment. I 've contacted them very many times and tried providing other types of financial documents, but they persist they can not help me or do anything about it. It is almost to the point where they wont even pick up or answer my calls. I was told my case went before a board of advisers for review, but they denied my petition. So here I am reaching out for help, desperate to get a low monthly payment and hopefully not have to worry about this. I have too many worries at work with the XXXX and this should be the least of my problems. Thank you for hearing me out and for your help. If I could I would stop using MyFedLoan service to pay my loans. Thank you once again and have a nice day.
I had a credit card with Khols/Capital One in  XXXX   XXXX . I noticed fraudulent charges on my card. Khols said they were working on it. They closed the card. Then they charged it off in  XXXX . They reported it as a charge off. They never investigated the fraudulent charges. Now here we are in  XXXX  and all of a sudden Khol 's is reporting a 150 day late payment as if the card is still open. They just started doing this each month since two months ago.
I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my credit score, even thouygh they claim to have no information about me.
I have a Travel Elite Card with First National Bank of Omaha ( FNBO ) which is serviced through XXXX XXXX. The Travel Elite credit card has a travel benefit that reimburses {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ) for every calendar year. In XX/XX/XXXX I paid for a seat upgrade on a common airline carrier and expected that I would receive a reimbursement for the remaining discretionary airline spending that I still had left in my account. I first called FNBO in mid-XX/XX/XXXX and was told that I would be receiving the reimbursement in two weeks, then I called again in early XX/XX/XXXX and the same thing was said. I finally made a formal complaint on XX/XX/XXXX or XX/XX/XXXX after MANY customer service calls to FNBO and XXXX XXXX. The last customer representative I have been emailing is XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and he informed me that I would get the credit " soon ''. The story is the same, after many calls to customer service on both ends I still have not received a dime. It has been almost or about three months since this issue began. I just want to move on and put this issue behind me. I hope I have provided enough information. Thank you very much to the CFPB and your agents for your help and your continued service. Please have a good day!
Equifax reports incorrectly that this account was late XXXX times at 30 days. Equifax fails to report accurate positive payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
When I log in to my account summary, the " Minimum Payment Due '' is grey-ed out. It is in a lighter font than the " Statement Balance '' the " Scheduled Payments '' amount and " Available Credit '' Amount. This leads me to believe that there is no minimum due or that I have already payed it. It is misleading. Also. XXXX  does not allow scheduled payments ( payment scheduled once to reoccur each month - ex always make minimum payment from XXXX XXXX account ). By saying there is a " Scheduled Payment '' is also misleading. That feature does not exist. You can only make one-time payments and can not schedule these regularly.
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting XXXX accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC XXXX XXXX to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 20 different letters copy of my signature required service via XXXX and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company. '' Lastly I filled a complaint with the FTC on XX/XX/2016 # XXXX as a result of XXXX noncompliance to FDCPA and FCRA.
My mortgage company approached me about refinancing my home loan for Texas property. We went through the entire process of assembling the paperwork, appraisal XXXX a least XXXX times the value of the loan ), credit research XXXX excellent credit ), perfect payment history on the existing loan, etc. The property had to be considered investment property because, though I 've owned it since XX/XX/XXXX lived there until XX/XX/XXXX still have utilities in my name, my family still lives there and it 's the only property I own, I live XXXX miles away managing multi-family property owned by an family LLC. They said I would have to give up my homestead exemption, which I reluctantly did since the lower payments would enable me to pay the higher taxes. No sooner had I done that when they said I could n't get the loan refinanced because I did n't have a homestead exemption on the property XXXX miles away! They said my options were : 1 ) To change all my driver 's license and other records back to my home address ( which would be lying and virtually impossible to do XXXX ; 2 ) declare the property as a second home and since no one can live there but me, kick my family out on the street ; or 3 ) have the multi-family residence that has multiple managers of the LLC deeded to me alone and get homestead exemption there. I DO understand the part about giving up the homestead exemption on the loan property ; but I do NOT understand why they would care about my having a homestead exemption on any other property that is not involved in the loan.
XXXX has contacted me on several occasion, however will not provide the purpose for their call. I have asked them not to call but they continue to
The auto finance company has filed Civil Court documents against buyer and co-buyer after the company received Complaint 's about code of ethics, and compliance issues. Relating to customers especially directly effecting said account, the complaint have Harassment, discriminatory behavior, fraud, Trickery, etc. Over a " supposed closed account '' This is over the years ; continued to current, In that time payments continued, programs continued on the account. Office Of The President was worked with, Vice President, Assistant Vice President. Individuals have used persuasion through use power and Title positions with direct statements attempt to drop complaints. They prematurely Place the account for closed on XXXX Credit bureau in XX/XX/XXXX-XX/XX/XXXX, The Account was opened XXXX XXXX and Without reason Notification the Account was with a balance of XXXX closed via XXXX XXXX XXXX status CLOSED DEROGATORY CHARGE OFF AS BAD DEBT, Open XX/XX/XXXX- XX/XX/XXXX.This was not seen on XXXX until XXXX XXXX when major problems arise. The vehicle remained in possession of loan with payments entire time until date. Year XXXX Payment programs and arrangements were on the account, special programs where on the account lowers interest etc. many ethical complaint Santander would not accept mail in payments on the loan because they would not identify the loan or assign an alternative to not charge XXXXfee this created the account to cost more than others as the account payments are processed through automatic system. After months of attempting to resolve an Account manager was assigned to process payments, this was successful until the manager failed to follow up in the account as specified by the manager he was to be the contact even after several calls to him and his co-workers it appeared Santander has a plan. Then in XXXX XXXX attempted to illegally repossess, they did not follow proper attempts to send agents per contracted program that was in effect for the vehicle attempt there was much safety issues created which the company was either intentionally directly or indirectly involved which cause was poor intended incidents harm situation during the process. The company assured an account investigation, among other investigations, which nothing happens. They actually took the credit reporting from one source of reporting and moved to another XXXX XXXX, and move to XXXX and closed that account still addressing no ethics concert this included Investors, CEO, CFO, Presidents. Instead the company retaliated with a Civil Division when no notification was ever given and no statements on the account have been received since they stated not to on XXXX XXXX, XXXX. The civil paperwork is dated XXXX XXXX, exactly 1 month and 18 days after moving the credit reporting around. And no contact whatsoever after they were working on settlement until they were aware that they fraud credit reporting. As well they also at that time where full aware of incidents of poor and harmful incidents.
Over the past few months Chase has sent me letters about ways to contact them to discuss my mortgage. I have tried calling the phone numbers they provide on their letters only to dial the extension they provide and have the call automatically hang up. When a rep does answer the phone, they say they have no record of the letter. That is what happened today when I called regarding the letter dated XXXX/XXXX/15. I also tried again to call the number and extension on the letter dated XXXX/XXXX/15 only to get a recording that the extension is not valid and the call automatically disconnected. My complaint is that Chase is sending me letters with false contact information and this is an unfair business practice. Chase and other banks should not be allowed to send their customers with false and misleading information on their letters.
My credit card has offered promotional rates on balance transfers in the past, which I have taken advantage of. According to my XXXX 2017 statement under " interest charge calculation, '' I had a {$6000.00} balance at a promotional rate of 0.00 % through X/XX/17 and a {$4000.00} balance at a promotional rate of 1.90 % through XXXX/XXXX/XXXX. My purchases balance ( at 12.65 % ) was {$4.00}. In XX/XX/XXXX, I took advantage of a balance transfer offer on a different card and transferred {$2400.00} of this card 's balance out ( effective XX/XX/17 ). I also made payments of {$98.00} and {$930.00} on XX/XX/17 and XX/XX/17, respectively. As I understand it, credit card companies are supposed to apply payment to the balance with the highest rate first now. When I received my XX/XX/XXXX statement, the promotional rate of 0.00 % applicable to the {$6000.00} balance had been changed, without my request, to XX/XX/17. Almost all of my payments/transfers out had been applied to the {$4000.00} balance ( at the 1.90 % promotional rate through the end of the year. ) I do n't think it 's right for them to manipulate my promotional rates, even by extension, in an attempt to force me into paying more interest. As it now stands, I will be paying 12.65 % on the entire {$6000.00} balance starting in XX/XX/XXXX. This amount should be closer to {$2600.00}. I believe what USAA has done here is fraudulent, and they could be doing this to a lot of people.