WillisBack/dataset-financial-user-claim huggingface dataset:
Why is the cut off for qualifying for PAYE XXXX XXXX? I started college in XX/XX/XXXX and thus got my first government loan then. My husband and I recently tried to get a mortgage ( we 've never missed a rent payment in the 7 years we 've rented ) but my monthly student loan payments were too high for us to qualify for a mortgage. I 'm on the IBR repayment plan but with my private student loans my monthly payments are more than XXXX % of our total monthly income ( and that does n't include my husband 's loans ). Will PAYE ever include borrowers before XX/XX/XXXX?
I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.
Collection agency Gulf Coast Collection Bureau , Inc. has sent me a late 30 day notice on a debt to the wrong address, leaving me little time to dispute debt. Debt notice dated XXXX/XXXX/XXXX, but only received on XXXX/XXXX/XXXX, leaving me little time to respond. 
1. Debt in dispute is from XXXX XXXX for unwanted and unnecessary services on XXXX/XXXX/XXXX. I had no injury and no complaint of pain. 
2. I signed a Patient Refusal form XXXX/XXXX/XXXX at XXXX on XXXX XXXX, XXXX XXXX. 
3. The Paramedic erased my signature, and altered a medical record -- a violation of Florida Statute 395.302. 
4. In email XXXX/XXXX/XXXX, the XXXX County Director of EMS and Fire Administration admitted the signed Patient Refusal form was erased by the Paramedic, and said the Paramedic would be given remedial training to ensure that patient signatures are saved. 
5. XXXX actions in destroying my written refusal of treatment and transport is BREACH OF CONTRACT.
Tuesday XX/XX/XXXX, Virginia XXXX XXXX XXXX issued a hold on both my Checking and Savings accounts due to a misunderstanding in state taxes for the year 2014. On Wednesday morning, XX/XX/XXXX, I received a phone call from Virginia XXXX XXXX XXXX indicating that they had reviewed my 2014 returns ( I filed in XXXX that year ), and that they were sending the release request to Capital One. First release request was sent at XXXX XXXX  Wednesday morning, second at XXXX XXXX, and a third at XXXX XXXX Yesterday, XX/XX/XXXX, I had VA XXXX XXXX send a XXXX release notice to my local Capital One branch where I had a financial XXXX personally hold and view the release notice and fax and email it to the division responsible for releasing the hold. Since Wednesday morning, Capital One has not released the hold on my accounts. Any attempt to call Capital One support, email, or speak to a branch representative ends up in the same dead end, " We can not contact our legal department. '' Both my accounts are still frozen, and I have been forced to rely on my credit cards for payments. No one can give me a status on my accounts, I can't even tell if the XXXX XXXX has received the information to release the hold.
I applied for a bestbuy credit card and made an online purchase the same day. The card was mailed to my condo instead of my mailing address. It got returned by the post office. I called bestbuy to setup an online account so I could make a payment and they would n't let me do it without giving them the full card number. Now the payment due date has passed and they will not accept my payment over the phone unless I give them my checking account number. 

my issue is that I 'm late with a payment because they did not get the card to me. I still do n't have the card after XXXX months. They were able to do a purchase over the phone but ca n't assist me in setting up my online account.
Experian, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
My account was transferred to Transworld Systems XX/XX/XXXX from XXXX XXXX XXXX. Account # XXXX. The reason for my complaint is that they will not send me monthly statements of the debt. The reason being because they are not a billing coming and the longer I wait to pay the debt it is incurring weekly interest. The last statement I recalled I received was from XXXX XXXX XXXX before turning over to the collection agency there was a balance of {$820.00}. Now I have a balance of {$890.00} as of XXXX/XXXX/XXXX. When I spoke with a representative XX/XX/XXXX I explained that I can only making payments of {$10.00} a month/ I explained to them that I had been XXXX twice in XXXX and having a difficult time make full payments due to several other deductibles I am paying to others. I was told they can not make a formal payment arrangement with me unless I agree to pay {$36.00} a month to stop interest from accruing and at that point they can send me statement. But earlier I was told they can not send statements. I believe this is unfair collection efforts, how can they charge weekly interest on a debt that was sent to them by XXXX XXXX XXXX in which they never charged interest. I would never get this paid off. The debt keeps going up and up. In the meantime they are continuing to cash my {$10.00} checks. I refused to send them anymore payment until I get a running balance of what I owe and I want the interest to stop. This is clearly a UDAAP violation. Please assist me in getting this resolve. I want the balance verified that was transferred from XXXX XXXX XXXX
I have repeatedly told this company to stop calling my personal phone and my work phone, yet they continue. I have requested verification of the debt they claim I owe, in writing, to be mailed to my home address.
I requested Citibank to remove delinquent from my credit report based on the following issues that resulted in the delay of balance payment in my XXXX charge account : 1. Citibank sent the Bill of Statements to an invalid email account. 
2. Citibank failed to pursue other method to deliver the Bill of Statement.

3. Citibank sent a notification letter via United States Postal Service in an untimely manner. 

Citibank received automated email message and was informed that email message, Bill of Statement, was returned undeliverable. This is the content of a letter dated XX/XX/XXXX that I received from Citibank. Citibank failed to pursue other method to deliver the Bill of Statement as soon as Non-Delivery Report email message was received. Citibank allowed two billing cycles to lapse before a notice to account holder was initiated and sent as shown in the letter of notification with a date XX/XX/XXXX. Interest charges and late fees were incurred as a result. 

My payment history with Citibank N.A. and to any other credit card issued bank or financial institution have been spotless up until this incident. I would extremely appreciate if Citibank reconsiders and honor this request to remove the delinquent from my credit report.
At the time of this matter I was covered under medical insurance. I have no knowledge of this outstanding balance. This information should not have been added to my credit profile as a derogatory remark.
On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX Note from DriveTime in XXXX, KS. The Sales Representative XXXX said the " optional '' warranties were cancellable. We stated we did not want them prior to the contract and sale. She did not act to remove the warrantee products that were financed. I should have known better. She gave me the understanding that they were required, despite the optional nature indicated in the contract. This was recorded. There should be a record that we did not want the warranties. Her inclusion of the XXXX products in the contract should not have been done given our misgivings about the products and the lack of need for their coverage on a XXXX mileage vehicle. DriveTime has a history of sanctions by this Federal Agency for collection practices. This sales practice is unfair and deceptive. The warranty should not be automatically produced in the contract for the sale, increasing the almost XXXX percent APR financing of the {$5200.00} for GAP, Service and Anti-theft warranty products. I signed the contract with the understanding I did not want these XXXX products. The representative failed to remove the products from the contact, stating they are cancelable. I was not able to execute the cancellations until today, XX/XX/XXXX. The product is prorated and financed. I requested their customer service representative to pull the video of the contract signing. I specifically stated I did not want these products and the sales representative failed to remove them.
Dear Officer, I am writing to report that Bank of America cheated me over the phone. 
On XX/XX/2016, I and XXXX in her XXXX office made a phone call to Bank of America, regarding my home-line-equity account with Bank of America. I was told by Bank of America that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
However Bank of America failed to keep its promise and closed my Home Equity Line account. 
I am demanding Bank of America : 1. Restore my Home Equity Line account. 
2. Refund me the payoff fee. 
Thank you! 
XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I became a Client of Nationstar mortgage thru a transfer involuntary because XXXX sold it to them.XXXX XXXX XXXX. I din not refinance with them nor sign any documents.upon applying for a reverse mortgage.IT WAS ADVISED THAT I HAD DONE A REFINANCE WHICH IS FALSE PUTTING A 50 LOAN ON THE PROPERTY .WHEN THE SALE TO NATIONSTAR.I HAD ONLY 10 YEARS LEFT ON THE MORTGAGEWHEN I CALLED NATION STAR TO LOOK AT THESE DOCUMENTS FOR A REINANCE. THEY FAILED TO SEND ME COPIES OF THESE DOCUMENTSAS WELL THAN SENT THE CREDIT BUREAU ERRENOUS INFORMATION REGARDING MY PAYMENT HISTORY TO AVOID ME FRM PROCURING A NEW LENDER ANR OR OBTAINING A REVERSE MORTGAGE. I PURCHASED THE HOME OVER 20 YEARS AGO WITH XXXX .NO LATE PAYMENTS.THEN BE TRANSFERRED TO NATION STAR AND HAVE BEEN FRADULENTLY HAVE ON RECORD A REFINANCE THAT I WAS NOT AWARE OF.IN ADDITION MY XXXX A WEEK Apart and I was left with XXXX XXXX ca.during my XXXX A COUPLE MAI AND HER HUSBAND STATED THEY WERE UNABLE TO OBTAIN FINANCING DUE TO THEIR BEING IMMIGRANTS FROM XXXX XXXX BECAUSE I HAD THE PROPERTY ON XXXX XXXX CA OF WHICH I WAS ALLUDING TO REGARDING XXXX TRANSFER TO NATIONS STAR AND BEING A XXXX. I WOULD ASSIST THE XXXX IN PURCHASING THE XXXX. XXXX CA. 
THEY PAID THE AGREED MORRTGAGE PAYMENT FOR 1 YEAR.I SENT SEVERAL PHONE CALLS AND LETTERS OF WHICH THEY NEVER ANSWERED.I CONTINUED TO PAY THE TAXES FOR SEVERAL YEARS AND THEN AFTER DISCOVERED THEY HAD A RESTURANT ON XXXX OAKLAND. 1000 FEET FROM THE XXXX.AND UNBENOWEST TO ME HAD A REAL STATE LICENSE. XXXX AND NOW IN XXXX CA. AS WELL AS FOR YEARS HAD THE PROPERTY XXXX.XXXX CA XXXX ON XXXX WHEN THEY HAD STOPPED PAYING ME AND LISTED IT AS HAVING PAID ME IN FULL WHICH WAS FRADULENT.I AM A SENIOR HAVING HAD XXXX AND SEVERAL EPISIODES OF PENDING DEATH. ENOUGH IS ENOUGH.I AM ALMOST XXXX YEARS OLD. I NEED THIS FRAUD ON XXXX AND XXXX INVESTIGATED. XXXX.
On XX/XX/2018 I sent a letter to the company stating that they were Inaccurately Reporting to Credit Bureaus’ XXXX and XXXX by showing that the account was still actively "open". When the account shows open this creates a derogatory reporting every month. The reporting shows that the account was included in the BK but still shows "open"
I am filing this complaint because experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information which can not be verified ''. that I have disputed. Please resolve this manner as soon as possible. Thank you.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Applied for a Chase credit card online, to transfer balance at a better rate. I was approved but then found out it was for an amount that would not cover the balance of the card with the higher interest rate. I immediately called to cancel ( like within 30 minutes of being approved!!! ) the new Chase card, when I finally got to speak with someone I was told that I can not cancel the card til I get it in the mail. OK, fine, I can do that. MEANWHILE, Chase goes and pays my other credit card for almost the full amount that I was approved for. I did n't want this Chase card, if the full balance of my higher rate card was n't going to be covered. Hence, the immediate phone call to cancel the Chase card. AS you can see, there is clearly a practice going on that ropes people into cards that do n't fit their needs. The immediate approval of the card appears to be a good thing but the consumer should get to say weather or not they accept the amount that they are approved for after that amount is disclosed to them. ( the consumer says " yes I will accept this card '' or " no thank you, it does not fit my needs '' ) Chase has been very rude and unhelpful, they and I 'm sure others are doing this. It needs to stop!!!
I had an investment account with XXXX, they were bought a while ago by Capital One. I have been unable to access my account as they throw up roadblocks every time I try. I just want to close the account. Their most recent excuse is my email address contains the word junk. This is my email address ( XXXXXXXXXXXX ). They send me emails all the time at this address. I have attached XXXX
I became ill and was unemployed. I struggled making house payments and went through XXXX XXXX to get myself back on track. I was told to become delinquent and they could assist with modification. 

Once I was through the modification with XXXX XXXX, the loan was transferred to ShellPoint Mortgage Servicing. 

I am in the process of refinancing and was told by my lender that I owed a much greater amount then projected as I have a {$21000.00} deferred principal balance. I am confused as in 2014 upon approval of the modification, I have a document that shows my Principal balance as {$61000.00} - as of XXXX see attached. 

The payoff shows my principal balance as {$47000.00}, deferred {$21000.00} and a few fees which total {$69000.00}. 

I along with my lender have called numerous times to find out why the principal increased but no one seems to be able to provide a clear explanation or provide the documentation to show where the difference is coming from. They have indicated fees but have no idea what the fees are from as I was told the late fees from the past mortgage company would be forgiven. 

Nonetheless, before paying off Shellpoint, I need a clear explanation how the balance went from {$61000.00} to {$69000.00}. 

Any assistance would be appreciated as I am not able to get any where.
I had to judgments with my rental office that I paid in full XX/XX/XXXX & XX/XX/XXXX, but XX/XX/XXXX the judgments showed up on my credit report. XXXX and XXXX removed but Equifax never removed the information. I 'm trying to figure out how can you report a debt after it paid in full but it was never reported prior too.
Private " XXXX '' loans offered by VSAC requiring filling out a paper deferment eligibility form every 3 months which requires a phone call to VSAC to request and several weeks to wait for arrival. However, as I 've repeatedly notified VSAC, I am full-time student as the student national clearinghouse reports until XXXX 2016 with {$0.00} in annual income. Regardless, VSAC requires this form be completed every 3 months for this loan only, while other loans do not require this. This puts an undue burden on the borrower, and requires that I continually call into VSAC every 3 months to go through the same process repeatedly, increasing the likelihood of missed and/or late payments on my part.
I was declined by a credit card company due to having very little credit history on my credit report. I pulled my credit report and found that Capital One is reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/2012 ) ; no usage ( I have used the card every month since XX/XX/2012 ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing. 

I called Capital One and was told they will not do anything about it unless I send a letter in the mail with my name, my address, my account number, my social security number and my birth date!! They will not accept fax or email or phone for this information even though they are reporting incorrect information and they admit that. They said unless I send this letter with the information they will not do anything to correct the reporting.