WillisBack/dataset-financial-user-claim huggingface dataset:
It appears JPMorgan Chase Bank N.A cancelled a student loan debt of {$7600.00} but failed to mailed a XXXX. I was notified by the IRS that the amount stated above was reported for the tax year of 2013 ; however, I never received a XXXX from Chase to report the amount as income. I called to Chase and advised I did n't receive the XXXX form and requested a copy of the dated letter thatn included the form that was sent. Chase stated they only could send me a copy of the form but could n't send a copy of the actual letter with the date the form was sent. Also, their records didnt ' provide an actual date/time the form was sent. Customer Service was very rude and condescending. It 's clear Chase never provided a XXXX as they could n't provide any proof it was sent
I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up Thanks
We have a loan with US Bank. Our monthly payment due is {$490.00}. We are responsible people that like to stay ahead on bills, so I send US Bank {$250.00} every two weeks, when we get paid. I do this so we always stay ahead, and every few months I can skip one payment and still be on time. 

Today we received a rather nasty notice that our account is behind, they have alerted a credit bureau, and they are going to " inspect '' our property. The letter was dated XX/XX/2019. 

They like to keep funds in " suspense. '' This has happened before, and when I contacted them, they literally told me that the payments to our account, were not being applied to the actual bill, rather they were being applied to the principal. According to them, the {$250.00} payments did not count as payments, because they were " partial payments. '' I threw a fit, and they corrected the issue so all the payments were then counted as actual payments on our account. The problem of course, is this keeps happening. In what world do people pay bills and still receive threatening letters in the mail? 

I don't want to have to throw a fit with these people every month. I feel like an XXXX  calling them and saying " Could you count my payment, as a PAYMENT. ''
I have contacted Trans Union and XXXX in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Upon checking my credit report, I notice a collection agency by the name of AFNI with the original creditor being XXXX in the amount of XXXX. I do not have a contract with this company, therefore they are not allowed to try and collect on a debt that does not belong to me.
I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After the  2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have 70 inquires on my XXXX credit score and 40 on my XXXX 50 On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I was referred to Citibank in XX/XX/XXXX by my financial adviser at XXXX to explore a possible loan to purchase a house. I was interested in Citibank 's XXXX fixed, 10-year interest only loan product. 

XXXX ( XXXX ID : XXXX ) spoke with me and told me the rates and qualifications for the loan, including the need to transfer {$200000.00} to establish a relationship with Citibank, which I did. He also encouraged me to take out a home equity line of credit ( HELOC ) as a way to access the equity in my existing home to use as part of my down payment on the new home before we were able to sell our existing home, which I also did. 

Unfortunately, it turned out that nearly everything XXXX told me to get me in the door was false. The rates and qualification standards for Citibank 's loan products were not what he represented and as a result, I ultimately chose another lender for the purchase and another lender for the refinance after wasting several months going back and forth with XXXX. Even the early closure fee on the HELOC -- that XXXX expressly told me would be only {$500.00} ( see attached correspondence ) -- was misrepresented to induce me to do this loan with Citibank. It was only after I reviewed in detail the HELOC loan documents I signed that they authorize Citibank to collect a {$1500.00} early closure fee, in addition to the interest it has received over the past 6 months. Moreover, even if I had read the HELOC loan documents before signing them, it would have been too late for me to have chosen another lender for the HELOC at that point as I needed the proceeds from the HELOC loan to close the purchase of my new home. In addition, I already had established a banking relationship with Citibank by transferring {$200000.00} in investments to them instead of another bank, which steps I also did not have time to reverse. 

Now that I am paying off the HELOC, Citibank is insisting on its {$1500.00} early closure fee, which is not even " in the range of {$500.00} '' that XXXX stated in his last e-mail to me as he was trying to backtrack from what he previously told me orally when I committed to take out the loan. Plus, I had already taken out the HELOC by the time XXXX first suggested in XX/XX/XXXX that the amount could be anything other than {$500.00} and that the actual amount would be listed in the documents I signed. 

In early XX/XX/XXXX, I contacted XXXX ( XXXX ID : XXXX ), who was XXXX 's supervisor at Citibank before XXXX was terminated by Citibank, to explain the situation and ask Citibank to honor the commitment XXXX made to me that the early closure fee would only be {$500.00}. After several weeks of delays, repeated failures to return my calls and e-mails and a general lack of responsiveness to my claim, XXXX informed me on or about XX/XX/XXXX that Citibank would not honor XXXX 's promise and was relying instead on the signed loan documents to support its claim to the {$1500.00} early closure fee.
After working very hard to pay off my Sallie Mae XXXX loan in full XXXX XXXX, they promised that a payoff letter would arrive within XXXX days. No letter was ever received. Each time I call back the customer-no-service promises that a letter will be sent soon. It has now been XXXX days and the account is STILL OPEN! I called today and asked to speak to a manager. When I insisted that they close out the account or else a formal complaint would be filed they hung up!
I have been working in a XXXX XXXX for the last 9 years. My loan was sold from XXXX XXXX to Navient in XX/XX/XXXX. I was under the impression from Navient, starting in XX/XX/XXXX that I was making payments under the IBR ( Income Based Repayment ) plan, and these payments would go towards the Loan Forgiveness program for being employees through a XXXX XXXX  that is in a high risk community. They assured me and provided a spread sheet showing IBR payments and tallying how many towards the 120 payments that were required. Then,XX/XX/XXXX, I filled out the government form to track how many payments were left, since I made about 96 payments, so I could have my loan forgiven and I was told that there was no record of my payments, and I was supposed to consolidate with XXXX XXXX even though Navient miss lead me stating that it was consolidated. I consolidated with XXXX, and now Navient is stating that they have no record of any payments made to them, and that I never had an IBR set up. Every year, I filled out the reapplication, sent tax information, etc. to Navient, thinking I was doing what I was supposed to do.
I called on XX/XX/2018 to dispute a {$3.00} transaction I have with Chase. I had tried to purchase a XXXX train ticket but the machine had told me that the transaction has failed. I received no ticket from the card and thus I assumed the pending transaction of {$3.00} would be dropped from my account. It was not so I called Chase to dispute the transaction and the representative refused to help me investigate the transaction unless I had my receipt for the XXXX train ticket that I was not able to purchase. I do not understand how such a large company would be unable to contact XXXX to dispute the transaction for me but would require a loyal customer to have proof, insinuating that I was lying about a {$3.00} charge. I would understand if the charge was an insane amount but {$3.00}? Come on Chase. Do better.
I applied for a loan modification, after falling back on my payments. I submitted documents for a modification in late XX/XX/XXXX. I sent ALL documents the bank requested, as I was cognizant of the faxf that a full application package has to be received prior to 37 days of a scheduled sale date of XX/XX/XXXX. On XX/XX/XXXX, the bank had confirmed that they have a complete package, therefore bearing the 37 days threshold. I was further advised that the underwriter may request other documents during the process if needed. Contribution letter and paystubs from the contributor were requested and sent immediately upon the request. The underwriter then asked for a lease to be completed. When I spoke to XXXX at the bank, he said the lease for the amount of {$900.00} is not complete. XXXX tried fi find XXXX reason the underwriter said that, by examining every page of that lease. He then said its the tenants initials that were missing on page 5 of that lease. I immediately obtained the initials and sent back. XXXX had said it was the last piece of document they were requesting. On XX/XX/XXXX at XXXX. I called in the same day, AND also the day after New Years Day. and it was confirmed as recieved. 

Fast forward to today XX/XX/XXXX, when I called in just to make sure things were moving, and was told nothing is being processed because we are within 16 days to sheriff sale, and the underwriter was asking for something else he FAILED to request when he indicated that the initial on the lease was the last thing he needed! Please note i sent in the last document on XX/XX/XXXX and it was confirmed as recieved. 

Underwriter failed to request specifically what he needed, so kept on asking for docs that obviously didnt satisfy the issue he had, which up until this minute, we havd no idea what that is. Allbwe know is that we sent ALL documents requested immediately as they were requested and was done befits their designated 16 day day window. It is the banks fault, not ours.
I 've been repaying on my loans every month since my repayment plan kicked in after XXXX in XX/XX/XXXX. My original loan amount was around {$86000.00}. My original lender was XXXX, now Navient. My private loans are currently under forbearance due to cost. To date I 've paid close to {$60000.00} towards my loans and I 've only seen a decrease in my principle balance of about {$8000.00}. My currently monthly payment towards both fedaral and private loans totals {$750.00}. And they are currently on a 30 year repayment plan. One of my private loans has an interest rate of over 14 %. That 's almost a predatory level of interest for an education loan. I feel like I 've been completely taken advantage of with no one to turn to for help. I 'm literally bleeding money to this lender and no one cares.
Wells Fargo charged my a penalty fee for a failed payment transaction FROM THE SAME BANK! XXXX {$50.00} fees were applied after I tried to set up their automatic payment system that had no indication of whether the " automatic '' part would start this month or the next month. Since it started the first month, when I went to pay the mortgage the payment had already been started by their automated system, and the transfer failed from lack of funds. It was their own poorly designed software that caused me to not know when my payment would go through and caused the payment to fail from lack of funds. I have never missed a mortgage payment in my life but I still have {$100.00} in fees.
XXXX XXXX XXXX  in XXXX XXXX, CA billed us for a XXXX performed in XX/XX/XXXX. We were on a payment plan for {$270.00} per month. In XX/XX/XXXX and XX/XX/XXXX we made 2 payments each month so we were ahead of schedule. We made another payment in XX/XX/XXXX but did not make our XX/XX/XXXX payment since we had double paid in XX/XX/XXXX and XX/XX/XXXX. Without any notification, we were sent to collections. We continued to make payments to the account in XX/XX/XXXX and XX/XX/XXXX but we are being hounded by the collection company. The account is paid in full. After received a notice from the collection company ( XXXX XXXX XXXX   ) we called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX ( he refused to give his last name ). He told us that the account was delinquent when the XX/XX/XXXX payment was not received. I asked him to review the payment history and he told me that double payments do not count toward the monthly payments. He said when our account was not paid in XX/XX/XXXX that it went to collections without notification. I asked for their policy in writing but he said they do not post anything in writing for the consumer.
Charles Schwab XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XXXX XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017
A few years ago Bank of America charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Bank of America failed to report my payments to XXXX and XXXX ( and probably XXXX, but I did n't obtain that report ) for at least 12 months- XXXX of XXXX through XXXX of XXXX. While payments of {$0.00} a month were reported on the credit reports, the balance continued to mysteriously shrink by {$50.00} a month ( our mutually agreed upon payment amount ) because I continued to make on-time payments. Once again Bank of America 's negligence negatively affected my credit. I also doubt they reported any payments after XXXX of XXXX, and do n't know if they reported that the account was since settled, paid, and closed out.
I have a Bank of America Visa card. I had a balance of approximately {$18000.00} at 16 % interest I used the remaining available credit for a balance transfer offer ( 18 months zero interest 4 % transaction fee ) Now the bank is telling me that my minimum monthly payment goes first to pay down the principal of the lowest interest. In fact my payment does not even go first to pay the interest I 'm being charged on the high interest balance, that interest is being added to my principal each month. This is a deceptive practice. Please help. Payments should be applied first to interest being charged on an account, then to the balance subject to the highest interest rate.
We've had this credit card since XX/XX/XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XX/XX/XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XX/XX/XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
My wife received a letter from an alleged collection agency informing her of a {$140.00} XXXX dept. She was offered a settlement payment of {$29.00}. We have never had an XXXX account. I XXXX the company name and learned of several consumer complaints who reported being in the same position as my wife. Some of the consumers reported phoning the company, where they were either informed that there was no dept. or told of the dept in a threatening manner. Complaints of returned calls from the company harassing/threatening were reported. For this reason, we have not made contact with the company, choosing to, instead, to pass this info on to you. It be important to note that my wife and I are senior citizens, retired and living on fixed income. Your assistance is greatly appreciated.
On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account XXXX ( Case # XXXX Rep XXXX ). The credit card account was opened in XX/XX/XXXX as a new Bank of America employee. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX ; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. However, Bank of America did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XXXX. Although the CARD Act Notices were never received, Bank of America insists the notices were sent accordingly. On XX/XX/XXXX I requested copies of the Change of Interest Rate Disclosures, but as of this date the letters have not been received. It also appears Bank of America changed the interest rate from a Standard ( Fixed ) Rate to a Variable Interest Rate and has assessed the changed interest rates to existing purchase balances with no Disclosure Notice of the changes. In addition, upon separation ( due to lay-off ) from Bank of America effective XX/XX/XXXX the terms of the Severance Agreement specify existing interest rates on credit cards will not change based on the change of your employment status. Bank of America is in violation of the CARD Act of XXXX and the Severance Agreement.
XXXX years ago, I enrolled in an XXXX certificate course at XXXX Illinois. At that time, this school did not have a degree program in XXXX. This was one class that would award a certificate after completion. I did n't need a XXXX for this course ... I did n't have one at that time. There were no credit hours given ... there were no other classes to take. These loans were to cover the term of the course. This was not toward a degree of any kind. This class started in XXXX. and let out for XXXX break ... to restart in XXXX.. I did return in XXXX, only to find that my class had no instructor. This course had two parts ... the entry level and the advance. There were no instructors for either. Me and other classmates heard that there were money problems, but no one knew for sure what it was. We came back the rest of the week ... staying for a little while and leaving ... until we were told not to return and we would be notified. I never heard back and left the state after what I thought reasonable time of waiting had passed. I had class for two months ... then they closed the class ... there was no other class to take. This was the same as a school closing and a discharge of these loans should be done 27 years later. This school or AES has no information on this mater. I could understand if this was a degree program and I could have took another class the continue with my degree ... I could see if I quit and changed my mind about school all together ... I could see if I got my certificate and could not find a job in that field and did n't feel that I should pay ... but none of this is my case. Why should I pay {$14000.00} for these two months of XXXX when the main part of the class was closed to me?
OCWEN LOAN Acct # XXXX Ocwen Loan Servicing is reporting inaccurate and damaging information to XXXX. The above account appears on my credit report but I do not have that mortgage. We spoke with XXXX onXX/XX/XXXXand sent a letter for investigation, We spoke with XXXX onXX/XX/XXXX and sent a letter for investigation. Letters were sent to the research department the research department in XXXX and XXXX but there was no response. The item must be removed from my credit report.