WillisBack/dataset-financial-user-claim huggingface dataset:
I consolidated my loans through FedLoan Servicing. I am currently on PSLF and as instructed, have been attempting to get on the lowest payment plan since approximately XX/XX/XXXX. I was originally quoted as having a monthly bill of approximately {$220.00}. However, when my first bill came in ( XX/XX/XXXX I believe ), the bill was approximately {$330.00}. I was told that I needed to switch to the revised income based repayment plan to get the monthly bill I was originally quoted. I reapplied and was given the same monthly bill amount. I was told there was an error and that I needed to reapply once more. I did so, was quoted at approximately {$220.00}, but then there was another error. For some reason, I was not switched to a different plan and my bill was still {$330.00}. This continued for months. I do n't know how many times I have reapplied. The most recent application was filed on XX/XX/XXXX. During all the period ( s ) when I awaited the determination of what new plan I would be assigned, the account was switched to standard repayment ( a bill of approximately {$500.00} per month ). I called and was informed that unless I went into forbearance, I would need to make standard repayments. I can not afford {$500.00} a month, so I had no choice. As a result of all this, my account has been in forbearance all but one month since XX/XX/XXXX. I have finally been informed that I will be switching to the pay as you earn plan and will have a bill of {$210.00} per month starting on XX/XX/XXXX. That is what I wanted back in XX/XX/XXXX when I originally applied. Meanwhile, I have been in forbearance. As such I have only been able to make one qualifying payment towards the 120 for PSLF and my overall debt has increased greatly due to these forbearances. This is just wrong, plain and simple. Even if you only consider my most recent application, it has taken four months to process. If you consider the time since my initial application, it has been ten months. Additionally, in XX/XX/XXXX I will be switching to a new job. I do not want to have to go through the same thing all over again and wait ten months!
My name is XXXX XXXX, just after my XXXX birthday on XXXX XXXX, 2012, I went to XXXX XXXX XXXX center for an XXXX. I was brought directly into the XXXX and my mother and father filled out the paper work, putting their information in the phone number and address section, by mistake. After receiving treatment I paid the hospital in full and got a receipt of payment. 

After paying the hospital, I thought that everything was handled and taken care of. I am now XXXX, and looked up my credit score, before applying for a credit score. I then found that I have an account in collections through a company of RBC collections, in XXXX, OH for {$400.00}. So I called RBC and they said that XXXX XXXX XXXX XXXX XXXX, billed my for services provided by the doctor, even though I paid the hospital. At this point I ask if there is anything they can do to lessen the amount, because I do n't feel I owe them that money. RBC replied that they contacted my father and mailed papers to my father, and he replied back by telling them not to contact him with my debts. So RBC sent the debt into collections without ever contacting me, I was never aware this existed until I saw the debt on my credit score. 

I then told RBC that this is the first time that they have had contacted me and that I need a validation of debt within 5 days in accordance with the Fair Debt Collection Practices Act, or their is no way I 'm paying the bill and I will ask for the account to be closed. The woman from RBC then replied that there is no way they can work with me on the price because the account has been in collections for so long, and because my father never replied to the letters they mailed years ago, the debt is already validated, and there is no way I would be able to close the account, without paying it in full. Well the FDCPA reads, within 5 days of first contact from the collections agency to the consumer, a validation of debt must be mailed out. 

It has yet to be 5 days, but when the lady from RBC said that she contacted my parents, and they did n't reply it validated the debt, it presents a major issue, as that is not in accordance with how the law is written. She also told me that since that 's the information I provided her client it is valid, but my parents provided mercy medical with that information not me, and it was given to the hospital not the doctor or the company the doctor went through to start the account. I do n't feel as if proper legal steps were made in this case, and that the account should be closed.
I have student loans reporting on my credit file.. I am a XXXX veteran and my student loans and been paid for by the US Government.. I am not responsible for these loans
My credit account with capital one bank has been restrict because of fraud issue I spoke to many managers and nobody can resolve the problem. Had a three way conversation with my water bill so they can confirm that I 'm the right person. After verify ask me for more personal information. Sent and they told me that has been receive and have to wait 3 days after that when I call they keep saying that never receive anything. Bad service has capital one bank
I have the Citi Thank You Premier card and wanted to transfer some Thank You points to XXXX. When calling, their agent asked for my XXXX member number as well as my password. 

I refused to do so as this would mean the agent would be able to access my XXXX account online. After complaining about this to Citi, the reply from one of their Security Specialists was " in regards to your XXXX ID and password, we are able to ask for that information over the phone at this time. '' Although he confirmed that he 'd be escalating the matter further, it 's deeply concerning that their policy is to ask for a customer 's username and password to an account over the phone.
In XXXX XXXX, I lost a loved one so I had friends and family send me money to help pay for the funeral. Every single person who has sent me funds, I have sent money back to them. During the first week of XXXX I looked through my statements to see if I have missed any uncleared payments, I then realized XXXX transactions which caught my attention. The XXXX transactions I did not recognize pulled {$200.00}, {$240.00}, and {$300.00} from my account on XXXX XXXX, 2016. I then notified American Express on XXXX XXXX regarding these transactions but first I told them I would like to double check all of my paperwork just to see if it was just me making mistakes. I then contacted AMX on XXXX XXXX, 2016 to notify them that these were unauthorized transactions and were clearly not my doing. First of all XXXX of the transactions were sent to XXXX seperate people with the same last names and the last transaction was done after the first XXXX transactions. AMX clearly walked me through in changing my entire account information which I was grateful for. I was then promised to wait XXXX48 hours and I should be receiving a notice through email or a phone call regarding the status. Every single day I have called American Express and they have been giving me the original routine as in " follow up ''. It is now XXXX XXXX, 2016 and I have no received a single email or phone call regarding my case and I have called around 30 times already, spoke with countless managers supervisors and customer service agents and they all told me the same thing. " within 10 business days if we need more time we will grant you provisional credit until the case is solved which can take 45 calender days ''. Never happened.. As a consumer I know my rights, within XXXX10 business days if a bank needs more time you are supposed to be granted provisional credit until the investigation is completed, this is also known as Regulation E. Until today it has been 21+ days already and I have not received any email, phone calls, messages regarding my dispute. As a single parent, when a person is promised to at least an email regarding lost funds, that person will check up on it. It 's a human instinct, and how I even got into this situation is just really unfortunate. So please if possible I understand it may take days for me to get my money back, but in reality all i am really just asking for is a email regarding my case, a " XXXX we have received your notifications and we are currently working on your case '', A simple email or message like that is all I need at the least to be honest with you.
Experian continues to report that two accounts with XXXX XXXX are past due and that one is in collections. I disputed this and within seconds of disputing the accounts, Experian responded saying that the account was reporting accurately. Both XXXX XXXX reporting on my credit report is incorrectly reporting and Experian will not allow me the opportunity to dispute this. I do not believe that Experian ever investigated this situation. I contacted XXXX XXXX who shared that they haven't received anything electronically indicating that I was disputing this.
I purchased a vehicle and within the first week the engine caught on fire and the car was totaled. I had never made any payment for the vehicle. And the dealership commuter cars was supposed to nullify the deal. Instead they went and XXXX XXXX a payment in my name illegally trying to make me responsible for a vehicle I never received ownership of. They have put the debt on my credit report trying to collect a debt I don't owe. And have been u reachable yo try and settle the matter. As they know what they did was illegal
I made a good faith attempt to pay this debit, but they deliberately black list me, so now I am homeless and have to depend on living with relatives because I can not rent a place of my own. The debit keeps increasing, the ownership has changed hands and I am still a XXXX XXXX XXXX XXXX woman without my own place to live because the information sharing of this company. The XXXX XXXX owners kept my security deposit as well, so this debit is truly not owed.
I received a used boat loan for {$110000.00} from US Bank, account number XXXX. I pay twice per month and the loan has provisions that it can be paid off early. My calculations show that I owe {$1000.00} less than what US Bank shows. I have called US Bank on several occasions to get an amortization breakdown, and they refuse to give me anything in writing. One representative even said that they will not give this in writing, and another representative said they will only give it within the first six months of the loan. I have called three times, and all three representatives say they would send, and I have received nothing.
There is an issue here, and no one will give me the calculations.
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
CC payment of {$47.00} due XXXX/XXXX/16. Paid {$50.00} on XXXX/XXXX/16, the next official banking day. Assessed late fees of {$35.00} by bank. Called on XXXX/XXXX/16 to complain and late fees were reversed. However, bank maintains that I still owe {$82.00} ( {$47.00} + late fees ). I have been called on five separate occasions to request immediate payment and I refused. I have asked HSBC to stop the phone calls, but they still come. I am on XXXX and paying more than {$50.00} is a financial hardship.
CITI BANK is charging me late fees without sending me a bill. CITI claim they are sending me a bill but now I don ' believe them because this has happened before and I contacted them about this problem and they are blaming it on the Post office, but I received my other bills with no problem. Because I pay my bills on line they have taken for granted I know the due date, but I do not have a paperless account with them, I need to see my bill monthly. They claim my bill was due on XX/XX/XXXX, they called me on XX/XX/XXXX after they had already late charged me for another {$25.00}, and I think that is what they are after, those late fees.
I 'm currently working with a Debt Resoultion company to pay this loan. However, Borrowers First has now obtained the phone numbers of my family members harassing them for payment. These phone numbers were not issued to them.
I received a debt collection letter from   XXXX   XXXX   XXXX    XXXX   XXXX   on behalf of Barclays Bank Delaware. The amount is {$3100.00} and their account #  XXXX . They also filed a lawsuit against me ( case #  XXXX  ) I called the Law Firm and I spoke in the to   XXXX   XXXX   I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN.   XXXX   XXXX   XXXX   told me that that my SSN in the account does n't match the last four of my SSN.
At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house.
I need this to stop.
I sent them copy of the   XXXX   major credit reporting agencies with (  XXXX ,   XXXX   XXXX  ,  XXXX  ) that shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my  XXXX , A copy of my military service connect   XXXX    payment so they can corroborated the last 4 of my SSN.
I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in  XXXX /2016 flying colors. All this info and they still coming after me for something I do n't owe.
Hello, In XX/XX/2017, I have a missed payment with Jared Jewelry store card on my credit report, which is inaccurate. The account was closed on their behalf as I did not use it for a long time. Jared switched bank providers in which, I did not know how to pay for my balance in full. No one called me and Jared didn't know if my account was held with the old bank or new bank. After I straightened the entire ordeal, the account was paid in full. I feel like Jared should be held responsible for this!
Since XXXX of XXXX, no one at SLS 's Customer Care XXXX number will speak with me regarding my account ( see attached examples ). I demand to speak with someone IMMEDIATLEY to review all the misc charges posted to my account in XXXX and XXXX and to review my account payment history line item by line item. According to my records, I show a positive in my escrow account up and through XXXX/XXXX/XXXX. SLS shows a negative. Until I can speak with someone at SLS and review everything since XXXX XXXX, I will NOT pay anything in addition to the {$1300.00} I 'm currenlty paying. SLS has refuses to be transparent and my account is being mismanaged. Per my discussions with XXXX XXXX, SLS has the ability to remove my Escrow Account but refuses to.
I filed a dispute with Equifax informing them that there was an account on my credit report that did not belong to me and that I wanted them to research it to verify that the account was indeed mine. I received a letter from Equifax dated XX/XX/XXXX Confirmation # XXXX stating that they researched the account and that the account has been deleted off of my credit report, which it was Recently I was checking my credit scores and noticed a drop in my credit score by over 100 points with Equifax then I noticed that they have put the account that they had originally researched and deleted from my account back on my credit report. On XX/XX/XXXX I called and talked to somebody about this matter and they told me that they would remove the account once again and that it would take approximately 2 weeks. On XX/XX/XXXX I checked my credit report again and the account is still remains in my credit report. On XX/XX/XXXX, the same day I send Equifax via fax and USPS mail a copy of the letter that was sent to me but they have to remove the account from my credit report. I want this account removed from my credit report immediately. According to the letter they sent me on XX/XX/XXXX they researched the account and obviously could not verify it so they deleted it from my credit report. Why did they put it back on there? And why wo n't they take if off " AGAIN '' after assuring me it would be removed.
This is regarding my father 's home.He XXXX XXXX in XX/XX/XXXX.I was the executrix of my father 's will and continued to make payments, it was n't until the court appointed an administrator that everything bad happened.The administrator was hstile toward the heirs and since he is a friend of the judge 's, the judge never made him accountable to anybody.When I learned that the house was going into foreclosure I got my own attorney to negotiate with the lender but since I did n't have authority the mortgage company did not talk to us.I tried numerous times to talk to the administrator but he never contacted me.I did not know that he never attempted to negotiate with the lender and the next thing I know there was a date set. 
The administrator who was the only one with authority to talk to the lender wanted to unlawfully evict my sister, who has lived in the house over 30 years.He called the lender and told them to winterize the property, I believe that there was collusion between the parties.The mortgage company send XXXX XXXX and instead of putting a notice on the door, the removed the front door and damaged the interior door and proceeded to winterize the property even though there were signs in the house that it was occupied.XXXX XXXX also robbed our home of all of our family possessions.My family came from XXXX XXXX and all the heirlooms were stolen.I called XXXX and told to repair the damages and return our belongings but was told only the mortgage company could authorize that.XXXX changed the lock on the front door and they had the key, they have broken into our home a total of 4 times.I called the police only to be told its not criminal but civil.I filed a complaint with the ohio attorney general and was told to complain here.Someone has to hold these companies accountable.Just because you get a mortgage does n't authorize them to break into your home and steal and do damage.
I received a letter from Afni stating that I owed {$34.00} due to the service at XXXX. I have NEVER ever signed up for phone services with XXXX nor did I ever sign up for any of their other services they offer. I looked up XXXX number on their website and contacted them. After looking through their system and not being able to find my name, number, or social security in their system, they filed a dispute. The next week, I received a letter stating they did their investigation and found I am responsible for the amount owed. I called them back again and placed another dispute. They sent me a bunch of papers the next couple days asking for my gas utilities bills, social security card, passport, license, and all sorts of information to prove. I have not contacted them since. It looks they are backtracking to get someone to pay for the amount since they ca n't find the person who signed up for this service and they found a person ( me ) that called so they are trying to hold me responsible when I never had a relationship with XXXX. This is harassment and I do not trust them with all my personal information.
My mortgage company tried to look me out of my house today. I live in a XXXX gated security building so they called me to ask if I want them to come in. I said so no she said they were here to change the locks. I called to ask them what they where up to. They said they tried to do it on XX/XX/XXXX too! I am less than 45 days behind have been in my place for 10 years. They sent me no notice no anything! I payed my mortgage on Tuesday and they did this after I contacted the attorney general about other shady practices. They are retaliating against me. What can I do about this?
As a customer of TD Bank, my checking account was debited by TD Bank for {$2500.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe my bank has inappropriately applied overdraft fees on my account in excessive amounts. Can you please investigate this matter and any prior period? 
Thank you.
My mortgage is with BB & T Bank, recently I have been investigating ways to pay down my mortgage faster and I came across Biweekly Mortgage Calculator on BB & T 's website. It's a nice, easy to use calculator that you plug in your interest rate, mortgage amount, mortgage term, and payment type and it calculates your accelerated bi-weekly payment for you and shows you how much quicker you can pay down your loan. Ours figured out to pay off a 30 year mortgage in 26.4 years ... quite a savings! 
I called BB & T 's customer service number to inquire how I get set up on this payment plan. I was told they do not offer that type of payment plan, but I could send in my payments bi-weekly but it would not be applied until the full amount was received. ( the money would sit in a " holding account '' until the full payment amount was collected ). I ended up calling back a few days later thinking the rep I was talking to didn't understand what I wanted to do or was not knowledgeable of this program. I got the SAME ANSWER! 
I then asked for the corporate BB & T office number where I could speak to someone that was knowledgeable of this product. After 3 days I received a phone call back from a corporate manager stating they do not offer this product, and they were " checking into why this is on their website ''. She stated they do have a few customers that make bi-weekly payments, but they no longer offer this service. 
I don't understand how they can have this active link on their website under their Financial Planning Center tab to mislead customers when all they say is " I'm sorry, I know you're upset about this '' Sounds like false advertising to me! 
https : //www.bbt.com/XXXX
I have disputed this account many times with no results, upon " verifying or validating '' i received a bill which does not meet FCRA requirements, i have emailed, faxed and certfiied mailed a copy of my identity theft report with no response. I am attaching that information as follows also.
This collection company keep reporting the same debt owed as a new collection every week on my credit report. Every week I receive a notification that this company has flagged my credit report with this same debt.