WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It may Concern, This spring I submitted my paperwork for the Public Service Forgiveness Program. I have been employed full-time by XXXX XXXX since XXXX. 

First I worked for the XXXX XXXX XXXX from XXXX until XXXX XXXX. Then I started working for the XXXX XXXX XXXX XXXX in XXXX XXXX ( no gap between employment between XXXX and XXXX XXXXXXXX ) where I am still employed today. 

The loan paid for my degree in XXXX XXXX from XXXX XXXX XXXX ( XXXX ). I graduated in XXXX of XXXX. I never missed a payment. I was never told that my monthly payment amount was insufficient for repayment in this program. When I called my servicers to verify, they stated that I would qualify for public service loan forgiveness because the loan was a direct federal loan through XXXX. 

XXXX is my current servicer. 

I received a letter in XXXX of XXXX from XXXX XXXX/U.S. Department of Education referencing account number XXXX XXXX XXXX. This letter verified my qualifying employment - but categorized 100 % of my student loan payments as non-qualifying. They wanted me to make 120 more payments on this loan and try again in XXXX. 

I have XXXX XXXX in college now - this is impacting my ability to support them. 

If you have any questions, please contact me at XXXX. 

Thanks, XXXX XXXX XXXX
XXXX is advising that they are reporting the information that Prestige Financial is reporting to them. Prestige Financial is stating that they are reporting the correct information. The only credit report that is not reporting the Prestige account correctly is XXXX. The other two bureaus are reporting the account correctly. XXXX is reporting that 10 of my payments as no information. This behavior causes my credit score to be lower. XXXX and Prestige are playing the blame game.
I have a XXXX XXXX XXXX with XXXX they told me that the car is worth XXXX my payments is XXXX a month. On the paperwork they did n't have it on there. But yet I signed it and I know that 's a lie. I am on XXXX and the car never really work cause it either stops on me or major fixes on the vehicle since I had the car. I lost XXXX permanent jobs, and constantly temp jobs cause they car leaves me stranded and temp jobs over this problem. They 're scammer in the drivetime sites to get a sale and do not help you. Now that I lost jobs due to the car they want to harass me with phone calls and that 's not right! At first I gave a XXXX XXXX cause it was XXXX and then they talked me into leaving with another car and this car has been failing on me as well. I now put a throttle body in this car, alternator, surpertine belt, 2 new batteries, crankshaft positioning sensor. I now been stranded on the road multiple times and it 's not right. This is my only you means of transportation. All this happened way under a year. Why my bills have to suffer cause of this car and gave to make a decision to pay rent, water and gas, electricity and what I can when I can to get things fixed on this car. This is why Americanshe is poor and ca n't pay bills ... no reliable transportation to work, and the transportation they do have failed in them 70 to 85 % of the time so you have to remain in a lower situation in life just for major companies to live and eat good. DriveTime when they call you they 're nasty, you call them they 're nasty. They do n't do anything for anyone
I first contacted First Federal Credit Control about a {$130.00} collection item on XX/XX/XXXX. I asked them to validate the debt. See attached letter. They ignored my request. I have written to them every month since then but to no avail. Apparently FFCC is not familiar with the requirements of the Fair Debt Collections Practice Act that requires them to remove any reporting if they can not validate it. I need your help in getting them to comply with the law.
I was contacted by this person that claimed he had purchased my loan from another company in which I had been paying on for over 6 months by auto draft from my account. This guy proceeded to tell me that he needed me to give him my account information so that he may continue to draft payments from my account. Needless to say I refused to give my information out over the phone and since then he has continued to harass me, calling constantly XXXX times daily. He has also contacted my sister and my mother which is unacceptable. Is there anything that can be done about this?
XXXX XXXX, XXXX I received a letter from XXXX XXXX, c/o XXXX XXXX, stating that the letter shall serve as notification, that XXXX, XXXX has agreed to the proposal that the account has been settled in the amount of {$2500.00}. XXXX XXXX XXXX has been handling my debt with my creditors, per our contract agreement, as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was served a District Court of MD Writ of Summons stating a court date of XXXX/XXXX/XXXX in regards to this creditor. I contacted XXXX and sent the information to XXXX XXXX of XXXX and she stated that it was taken care of in XX/XX/XXXX and the debt was settled. I have since been attempting to contact XXXX about this matter, tthe court date came and went, and now there is an open DC judgment filed against me. When I contact XXXX they tell me that they have made numerous attempts to clear this matter up with the creditor, but the office of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, does not return the calls from XXXX. Current date, XXXX/XXXX/XXXX and I have not heard anything from XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any notifications to state the status of the judgment nor have I heard from anyone regarding any progress with this matter, This is now a Credit Report status and I would greatly appreciate this being removed!
someone has applied for credit in my name without my permission and had has several inquiries that are not mine
My wife and I opened a 10 year mortgage for my vacation home in Florida in XX/XX/XXXXwith XXXX. After about 7 years, I received notice that my account was being transferred to Seterus, Inc. and I should start making my payments to them. We live in Michigan and own a small business, we were greatly affected by the XX/XX/XXXXrecession. As a result we accumulated a large amount of debt which we committed to paying in full and not shirk our responsibilities by going to short-sale or foreclosure. We made our monthly mortgage payments to Seterus on a regular basis, but the payments were sometimes late. Not over 30 days, but we incurred numerous late fees. In XX/XX/XXXX, I called Seterus to make my final principle and interest payment and mentioned this at the time. They gladly took the payment over the phone to pay the principle and interest in full. They then stated that we had some outstanding late fees, I said I was aware of this and asked if I could speak to someone who might offer some assistance in reducing these late fees to close the account. The representative said she would send us a payoff statement and have someone call me. The statement I received did not show the amount that I had calculated as late fees. In fact over the next 5 months I received 5 different letters/statements all with different amount due of late fees. I attempted to reach out to a representative to resolve this issue. I was tossed from one representative to another, left numerous message and never received a call back, and was even hung up on. One time when I did speak with a rep. and asked about the discrepancy about the fee amounts I was told that since our last payment went 31 past due because of the holiday, that the system automatically billed us for another monthly installment even though the principle and interest was paid in full. Finally, in XX/XX/XXXX, after no viable correspondence, I decided that I would start making monthly payments on the account. I mailed in {$500.00} in good faith. A week later I called to see if they had received the payment and was told that my account was paid in full and I had a {$0.00} balance. I was unaware, that while I was trying to contact Seteraus to resolve the late fees that I was being reported negatively to the credit bureau. It took until XX/XX/XXXX to receive the Satisfaction of Lien statement from Seterus. Now my credit shows that I was up to 120 days late, which is very damaging, and I am trying to obtain a new mortgage. I thought after almost 2 years my credit would solid. Much to my surprise, because Seterus, it is not.
On or about XX/XX/2016 a promissory note was created, It was backed up by U C C codes and validation Acts of 1933, And Federal Reserve obligations etc. This promissory notes # XXXX was Notorized by a state of Nevada notary public and validated. This negotiable instrument was sent to : XXXX XXXX XXXX, CFO< Wells Fargo Bank Corp. XXXX XXXX XXXX XXXX XXXX, CA XXXX. Note # XXXX was made out for : {$55000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX/XXXX ). After a real brutal divorce, my credit was very low and in negative standing. At the time i owed Wells Fargo Bank {$220.00} ( XXXX XXXX XXXX XXXX dollars and XXXX/XXXX ). This negotiable instrument # XXXX was issued to settle my debt to Wells Fargo Bank, and the remaining balance of {$55000.00} was instructed to get deposited in my current account with Wells Fargo Bank, which was supposed to be used as capital for my current business : Handy 1 Contractors. I do complete home renovations and build homes whenever given a chance.
I had requested an official verification of debt under the FDCPA and Hawaii FDCPA from a collection agency, named Argon Agency located XXXX, XXXX Hawaii. The legal definition of " verification '' means to affirm by oath or affidavit. Unfortunately, the alleged debt collector failed to do this even though I had requested it in writing several times. 

They have consistently defamed me to the consumer reporting agencies fraudulently without verification or acknowledge my dispute as a disputed debt, blatantly misrepresenting the debt. 

These acts have caused great injury and irreparable damages in blocking me from credit worthiness that has negatively affected my housing and financial situation.
On XXXX XXXX, 2015, Wells Fargo Home Mortgage gave me a pay off amount of {$110000.00} and this amount was good through XXXX XXXX, 2015. XXXX XXXX XXXX requested from Wells Fargo {$430.00} from my escrow account and according to XXXX, employee at Wells Fargo, They issued the money to XXXX XXXX XXXX. Today, I questioned why Wells Fargo gave my escrow money to a party that was not authorized by me to use my escrow account, and he did not know. XXXX XXXX XXXX requested my escrow account and it was issued to them I was never informed of this prior to happening. Wells Fargo has since changed my pay-off amount to XXXX. XXXX XXXX XXXX stated that the payoff was sent to Wells Fargo Home Mortgage on time. There should not have been an additional {$220.00} interest charged to my pay-off. Also as of XXXX XXXX, 2015, I had changed Insurance companies and Wells Fargo was notified but never paid my new company the premium and I found out that XXXX had cancelled my insurance after no response from Wells Fargo, therefore I was not insured from XXXX XXXX, 2015 through XXXX XXXX, 2015, and was not notified. 

My XXXX Statement from Wells Fargo the escrow was XXXX which they gave to XXXX XXXX XXXX and my XXXX escrow would have been approximately {$320.00} which they took {$220.00} as additional interest. Since when can a financial Institutions just transfer my money to another financial institution without my permission. Wells Fargo and XXXX XXXX XXXX are not concerned for my welfare as a customer.
The lien was removed and its still showing just for this agency. I am having trouble with them removing inaccurate information of my report even the ones I have advised do not belong to me they were removed from my other credit reports except this one. It seems I have to fight for them to remove things which isn't right. I disputed directly through their website and still no response
I recently received a copy of my credit report and saw that there is a hard pull on my credit from your company. 

I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. 

Therefore, I believe that I am a victim of Identity Theft. 

Please contact the credit bureau at once and have this had inquiry removed. 

Please send me confirmation that my request has been honored. 

Thank you for your cooperation in this matter.
My mortgage broker, XXXX XXXX at Meadowbrook, was negligent last XXXX, 2016. He was unaware of a critical deadline ( my son 's XXXX birthday ) which caused my refinance to fail. He gave me wrong information about the deadline that I passed on to my co-op that was processing approval forms ( XXXX ) for me. Then when I succeeded getting the forms and XXXX had a short remaining window to get the job done, he disappeared, sending out a bogus autoreply that he was at a funeral for 2 days- except with dates for the previous month. 

So I also suspect that he may have willfully wanted me to require extensions and was purposely slow ( based on not knowing my critical deadline, but just believing I could get standard extensions ) because it was somehow beneficial to him - that he 'd make more money from the deal as a result. And if this was the case, I suspect that he may be doing this to other clients too.
I refinanced my student loan with wells fargo in   XXXX   XXXX  . My old student loans were with  XXXX . Although wells fargo said they had sent the funds to  XXXX ,  XXXX  said they never got the funds. Both companies said I owed them the balance of the loan. After spending every day on the phone with both wells fargo and  XXXX , I finally got it figured out ad  XXXX  got the funds and by balance was {$0.00} in  XXXX   XXXX   XXXX  . Later in  XXXX , I got a call from wells fargo stating that they had received a check drom   XXXX   for the full balance of my loan and they would apply it to my account. i told them that it had to be a mistake and they should not apply it to my account. They applied it to my account and I got a letter stating that my loan was paid in full and closed. I called both wells fargo and  XXXX  to try to get to the bottom of the situation because I know that my account balance for both companies should not have been {$0.00}. Meanwhile, while I try to figure out that situation, I am in the process of buying a new house. My lender for my house calls me and says m y credit score dropped over  XXXX  points this week because wells fargo put de rogatory comments stating that i am ov er 90 days lat e on my payment and they have closed my account. I contacted wells fargo to confront them about the situation and they say that the account has never been late and it is paid in full. They state that it is not their problem that  XXXX  sent them the funds, But that I would need to work it out with   XXXX  . This has caused me to not close on my house because my  credit score  had dropped. This has caused me earnest money, appraisal money, and inspection money. Wells fargo is not being helpful in figuring out the situation,. I have spent hours on the phone with different people and they never seem to help with the situation.
I have contacted Experian several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX
On XXXX XXXX 2017 I received a letter from XXXX XXXX XXXX XXXX XXXX ( This company has terminated their business operations on XXXX XXXX 2017. This letter requested I pay an outstanding balance of {$25.00} or they would forward me to Golden State Collections on XXXX XXXX, 2017. I have all the back up material of my visits and the amount I paid for their services. I called and spoke to the only person left in the office on XXXX XXXX, 2017 and she pulled my filed and said I had a XXXX balance which was consistent with my records and with XXXX and XXXX XXXX XXXX. She said I should discard the letter and Apologized for the error. Today XXXX XXXX, 2017 I received a letter from Golden State Collections requesting I pay the {$25.00} plus {$0.00} and must be paid in full within 30 days they will obtain a judgement and serve it to me and report it to the Credit bureaus. I have called them and they have not returned my call. I informed them that XXXX XXXX verified that I did not owe any more money to them on XXXX XXXX, 2017. Please let me know what to do as I always pay my bills at the time of service and XXXX or XXXX XXXX XXXX notify me if I own anything else and I also receive a bill for the excess and pay immediately. H E L P
Citibank is charging me for {$350.00} for a trial product received the trial and returned the next shipment refused and the company kept billing me for the product.I cancelled my card and had another card reissued and charge was reapplied to my card. I contacted the merchant and Citibank and they said nothing we can do. I have since played the balance I owed them and cancelled the card. I am so upset with them as I have had that card 24 years!
I applied for the  XXXX   XXXX   XXXX  card from  CapitalOne . They approved the application, but said my  credit score  was  XXXX  from  XXXX .   My actual credit at the time of the application was  XXXX  from  XXXX .   By giving me a low  credit score I  received a higher interest rate and lost the {$100.00} bonus.   I have called  CapitalOne a t least twice, no one seems to know the what department to direct my call. On one call I was placed on hold for at least an hour before I hung up.
I was delivered a fake civil case file for money owed to Doctors. The information on the page did not have a case number or a Judge stamp. It was simply filed and delivered to my home on a Sunday by a message delivery person, not a sheriff or signature needing person. While it states it is from the Civil court its signature is from the collection attorney. This is the Second notification threat that we have received on bills that we are paying on. One of the bills has verbally been requested to be verified and they have failed to send that verification.
I am received numerous call to my job, and threatening calls to my cell phone. Which I agreed to pay the loan off on XXXX XXXX, 2015. XXXX ask told me to get a better job to pay bills I have.
I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. XXXX, XXXX and Equifax insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.
XXXX  XXXX of XXXX, CA collected - through garnishment- an old student loan account for XXXX . 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from XXXX once I contacted XXXX   about the matter. 
XXXX  XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with XXXX. 


2 ) XXXX XXXX over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with XXXX and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX  XXXX   ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 ) XXXX XXXX  has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to XXXX, but the monies were sent to them directly and they have never recorded it so that XXXX can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.
I 'M WRITE TO ALL OF YOU AGAIN. HOLLOWAY & MOXLEY IS STILL CALLING OUR HOME AGAIN.AND THEY WANT TO LISTEN TO NOBODY.THEY NEED TO LEAVE US ALONE. I 'M SORRY I PUT MY NAME DOWN BECAUSE I DID N'T KNOW.I WROTE ALL OF YOU JUST IN A LAST MINUTE.TO HELP MY MOM.I WANT HOLLOWAY & MOXLEY QUIT CALLING OUR HOME BEFORE MY DAD WILL LET THEM HAVE IT, OR ME. YOU ALL DO SUCH A GOOD JOB.BY HELP PEOPLE DEALING WITH HARASSMENT.I WANT TO SAY THANK YOU SO MUCH.AND GOD BLESS.
I have sent letters to this company about XXXX bills that i do not have any knowledge of XXXX is {$360.00} and another for {$110.00} i sent them a letter on XXXX to let them know i had no knowledge of these accts and i have no contract with this company. i do not give them my consent on this debt.They are a third party collector and they legally can not collect a debt from me Under the FCRA
I am receiving collection letters from AMCA original creditor XXXX XXXX. I went to the hospital on XX/XX/XXXX and they took a copy of my insurance card and ID they came in and XXXX XXXX the same time. Hospital was paid for this date of service and I get a bill in XX/XX/XXXXof this year for a bill of {$250.00} this bill is over a year old and I called XXXX XXXX and XXXX XXXX XXXX XXXX and talked to XXXX she stated you had coverage at this time they can not bill you. She called the collection agency 3 way with me on the phone and told them I have insurance and they should not be billing me she advised she would contact XXXX. XXXX called XXXX and talked to XXXX and XXXX told her she would take care of it. Today on XX/XX/XXXX I received another bill that I have included for a different amount of {$170.00}. This is not legal when insurance is involved. Two different amounts and I had insurance at this time they are threatening to put this on my credit report.