WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern- I have been working in the public ( XXXX XXXX ) or qualifying non-profit sector since I graduated with my XXXX in XX/XX/XXXX. 

Last year I initiatedstudentloanforgiveness with mystudentloans. They are all qualifying loans and have all been consolidated into oneloan. I currently owe about {$29000.00}. 

I paid on a Standard 10-yearstandard loanplan from XX/XX/XXXX through XX/XX/XXXX. My loans were transferred to XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I transitioned to an Income-Based Repayment plan. 

I still could not afford my loans and so transitioned to a 20-year Extended Repayment plan in XX/XX/XXXX. I converted them to this plan, not realizing those would not be qualifying payments. I have been making all my payments on time, is there any way that these can become qualifying payments? XXXX XXXX did not help me to understand that this payment plan did not qualify for loan forgiveness. However, I have made payments for 10 years, without ever missing a payment and have been working in a career that qualifies for loan forgiveness. Certainly, I have met the intent of the loan forgiveness program. 

As I said, I did not realize that transferring my loans to an extended 20-year loan would disqualify me fromloanforgiveness. 

Please help me try and get the 10-year standard loan and 20-yearextended loanrepayments qualified for PSLF. 

Thank you.
I needed money and looked for a loan. I signed up for a loan XXXX at the end of XX/XX/XXXX via internet I received a mailing days after- it stated XXXX for XXXX pay off with 4 payments - just like i was told on the internet. I went to website to sign up XX/XX/XXXX at no time did they show 20 payments I signed up for XXXX and pay off of XXXX Now they say I signed up for 20 payments - that I have 16 more payments. I went to my bank to stop the business getting anymore money - i paid my 4 payments. I did received money XXXX on XX/XX/XXXX - which was not the agreement. The internet stated XXXX I at no time saw that I had 20 payments and 743.4707 % loan rate in total it would cost me almost {$3700.00} This is a scam- I called and they refused to show me what I have paid and gave me the run around. If you look them up they have been sued I am an XXXX and fell for this trap. I paid out of my XXXX XXXX XXXX acct - XX/XX/XXXX {$340.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$260.00} I have paid XXXX
I applied for a loan modification with Ocwen loan. I was approved and all through the process I made sure I was not going to have a balloon payment at the end of my loan. 
They assured me that I was not going to have a balloon payment. 
We paid the XXXX ( XXXX ) trial payments of {$1400.00}. All through the process they assured me no balloon payment on my loan. 
When I received the final modification documents the payment was {$1300.00} adjustable. 
When I questioned them about the modification terms and the balloon payment they told me that theyXXXX decided to put a balloon payment on even through they said they were not going to.. 
Then I refused to sign the modification documents and then they sent me a delinquency notice with payments of {$2000.00}. I sent the payment and they sent it back. 
Please help with Ocwen. They batted me and then switched.
I am not disputing money owed on the account. 
XXXX XXXX master credit card automatically enrolled me in paperless statements and did not receive a paperless statement. 
I did not consent to enroll in paperless statements. 
Sent my wife a credit card due to Wisconsin Law- I am a Delaware resident. 
Never sent me a paper statement to address on file. 
Hit my credit report with a miss payment. 
Credit card company acted on its own behalf and did not send a bill. 
The paperless statement did not go to a e-mail address either. 
I had no ability to receive a bill. 
Credit card sent a credit card to my wife. 
My wife was unable to set-up account for direct payment My credit score went from a XXXX to a XXXX when going to buy a home mortgage. 

Late fee of XXXX is being removed. 
{$79.00} Annual enrollment fee is being removed and causes closure to the account,. 

Reference number XXXX. 

They were unable to remove me from paperless statement or send me a confirmation at this time.
Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow. 

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
Debt was discharged due to switch over to new family plan around the end of XXXX to the beginning of XXXX. XXXX stuck me with a bill of XXXX dollars plus and extra XXXX dollar bill for interest, and other rate hikes, but the XXXX dollars is not mine nor is the XXXX to whatever it is. I been a victim of fraud I am a protected veteran and servicemember.
Three Credit Cards trying to be collected have been prove to be Identity Thief and XXXX, XXXX XXXX and XXXX deleted them in XXXX. Police report, Identity Thief report, copy of Alabama Driver 's License, Social Security card, Birth Certificate and Still USAA are claiming I opened the three credit cards. I do n't even know when the cards were applied for, got or used. I have submitted all this and am still being harass by USAA. USAA has sent this to XXXX XXXX XXXX, XXXX and XXXX. The Credit cards are XXXX {$7400.00}, XXXX {$5100.00} and XXXX {$11000.00}. I had a house guest from XXXX XXXX till XXXX XXXX then I kick her out. In XXXX of XXXX, I XXXX XXXX XXXX was contracted by XXXX XXXX XXXX in XXXX XXXX. Was informed that I owed for three Credit cards. I thought it was a bad joke. I call the police made a report. Submitted to XXXX XXXX XXXX police report, Driver 's License, Social Security number and Birth Certificate. Then in XXXX XXXX contracted by XXXX did the same and sent USAA the same information. Now XXXX and I have filed a Identity Thief Report. XXXX XXXX, XXXX and XXXX all did an investigation then deleted from my credit in XXXX. USAA has received all these reports and still trying to collect on an Identity Thief victim.
This is a continuation of Complaint XXXX against American Express. Today, XXXX XXXX, I received a letter from AmEx dated XXXX XXXX, 2015 as follows : " Thank you for your inquiry concerning the {$290.00} refund check that was issued for the credit balance on your account. We processed a stop payment and issued a new check. 
" You may now choose to received your future Account Communications from us by e-mail. To set up this convenient option now, please visit your Profile & Preferences at americanexpress.com/XXXX and go to the Communication Preference tab. 
" Thank you for your Card Membership. 
" Sincerely, " American Express customer care. Dispute Reference XXXX '' Of course, there was no check included. What is going on with this company? I 'm at my wits end. Any help you can be, please, please, please. 

XXXX XXXX XXXX
Sometime in XX/XX/2017 I became aware of a collection item on my credit report. 

The collection agency is Southwest Credit System representing XXXX XXXX of XXXX  CA. 

I became aware of this collection on my credit report 1 month aftrer it was initiated. I was surprised and appauled that XXXX had turned this account over to collection. 

In XXXX, 2017 I received a notice reflecting {$80.00} due from a tow on an account I shared with my daughter. I called XXXX and I can't remember the exact details but we reviewed the account and agreed that I didn't owed {$80.00} but discovered that XXXX in fact owed me {$19.00}. I don't remember all of the details. The XXXX agent told me that I would be receiving the refund check in the mail. 

Needless to say, when I discovered in XXXX, 2017 that the debt had been turned over for collections I was very upset and perplexed. 

I called Southwest Credit Systems and was told that they could only collect the debt but couldn't help me with my story about not owing and the conversation/refund I spoke with the XXXX agent about. 

I then tried calling XXXX who told me that they could not access the records nor could they find any conversations on my account. I believe that by this time my daughter had her own account so the account numbers had changed. 

At this point, I just wanted to pay the balance so it would no longer reflect as an unpaid collection on my credit report. I explained to the Southwest Credit representative that I was paying it so my credit would not be destroyed but that I didn't owe it. 

Sometime after I paid the {$80.00} to Southwest Credit, I discovered that I didn't even cash the refund check remitted by XXXX because I was holding on to it thinking it would help resolve the matter. I filed the check and the notice ( originally received that initiated the phone call resulting in a refund ) thinking I would receive additional correspondence from XXXX. I never did. I subsequently discovered the negative collection on my credit report. 

After I found the notice and the check, I called Southwest Credit back hoping they would review the documents and refund my monies and remove the negative collection from my credit report. 

However, when I called Southwest Credit I was again told there was nothing they could do. 

Now, I am refinancing and this negative collection is driving down my credit score. It's very unfair that consumers get caught in the loop between collection agencies and vendor errors.
I received an alert on my XXXX report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XXXX XXXX bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. XXXX are know for illegal actions such as this XXXX. I have enclosed a copy of an XXXX report dated XXXX XXXX XXXX that shows the original creditor hsbc/household finance Corp account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with XXXX servicing on my XXXX as of XXXX XXXX XXXX with this expired debt. The date opened is the same XXXX of XXXX. This debt is expired and should not be on my report. Hsbc has been deleted from all XXXX credit bureau since XXXX of XXXX. XXXX have purchased and expired debt.
Bank of America had been notified by me beginning in XXXX of 2017 of needing complete and accurate validation of 3 personal one 1 business account that appears on my XXXX XXXX and XXXX XXXX XXXX consumer profile. Bank of America has exceeded the 30 day timeframe to validate these accounts. They are adversely affecting me yet Bank of America refused to honor the law and my consumer rights. They only provided slight account info yet 80 % of the rational, basic info I requested such as signature cards that bare my complete name, account # EIN, photocopies of checks which alegedly cased some of these accounts to close and place me in XXXX XXXX XXXX XXXX and XXXX. # etc were not provided. Bank of America only stated to me that what they provided was " the best that they could do '' and that they sre sorry, however, they are " unable to provide signature cards '' for the accounts in question. ( See attached letter from Bank of America ) The local branch also does NOT have these documents to properly validate these accounts. They are giving me the run around. I am simply a law abiding citizen that is being violated. I am XXXX I can not keep running back and foward to branches and calling 5 days a week to get these accounts off any adverse profiles it 's associated with, including their internal systems. Bank of America has provided me with 4 letters from each account stating the above mentioned about no complete, pertinent, proof of accounts under my name and ssn.. Futhermore, these accounts do n't even bare my complete legal name and I have no knowledge of the addresses associated with these accounts as I have repeatedly informed managment. XXXX XXXX XXXX XXXX refused to validate these accounts also.
They keep telling me I co signed but I never co signed, I never signed a promised note.

I am also on SS. I haven't spoke with my daughter in 7 years ( her choice ) and she won't tell me where she is. My son said he would like to have a settlement with Navient ( {$5000.00} ) as long as it doesn't effect my credit.

This student loan was for one semester that she never completed.

I have asked Navient to take me off the creditor list but I got no reply.

Again, my son said he would settle this loan for {$5000.00} as long as it doesn't effect my or his credit.
I noticed unauthorized charges of over {$4000.00} taken out on my checking acct after returning from a 4 day stay in XXXX, NV. i reported them quickly to XXXX XXXX. 
I filed claims and was checking on the status daily for close to XXXX weeks. Several times i was told by superiors that the following day my funds would be credited back in my account. I dont believe that the bank would even allow that amount to be taken out of my acct.in one evening. I had to get authorization from them to once withdraw {$400.00} in one day at an atm. But yet they allowed over {$4000.00} to be taken. 
What happened to exceeding the daily limit to protect me. This is clearly an error on their part. But B of A is denying my claim. They have never reached out to me. I know this from getting updates from calling them, daily. They XXXX XXXX my pin and XXXX werent stolen, im responsible because the chip was used at every transaction. I explained how the card and pin were left in my vehicles glove dept. I valet parked at least 6 times that evening. 
I took out a car title loan to help us through our hard times. Now i have no electricity for over 10 days now. All my food spoiled. My water is getting shut off today, all because i cant pay my bills because my funds were taken. No credit was ever issued back to my acct. I did not take that money from my acct and regret ever depositing it. XXXX are my rights. I know im being taken advantage of. 
Sincerely, XXXX XXXX https : XXXX I filed two complaints on the XXXX & XXXX of XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX EXPERIAN XXXX. XXXX XXXX XXXX, TX XXXX To whomever it may concern, I noticed that my credit report pulled through freecredit.com has many errors and inaccurate reporting. I believe you have them listed erroneously and I would like to have them removed immediately. Below are the accounts you have listed. 

1 ) DEPT OF XXXXXXXX XXXX {$7900.00} This account is not late and is showing on Experian only as late payments 2 ) XXXX   XXXX {$1500.00} COLLECTION ACCOUNT SHOWING AS A REVOLVING LINE OF CREDIT WITH PAYMENTS SHOWING I'VE NEVER PAID THIS AS I DON'T OWN THIS DEBT SO HOW CAN THEY REPORT THAT I MADE ANY PAYMENTS?? DOBLE JEOPARDY DOUBLE REPORTING 3 ) XXXX   XXXX {$380.00} COLLECTION ACCOUNT SHOWING AS A REVOLVING LINE OF CREDIT WITH PAYMENTS SHOWING I'VE NEVER PAID THIS AS I DON'T OWN THIS DEBT SO HOW CAN THEY REPORT THAT I MADE ANY PAYMENTS?? ALSO ISNT THIS A DUPLICATE UNDER DOUBLE JEOPARDY MUST BE REMOVED 4 ) XXXX XXXX XXXX THIS DEBT WAS REMOVED BECAUSE IT IS NOT MINE WITH A LETTER FROM XXXX XXXX SENT TO ME AS I WAS NOT RESPONSIBLE THIS WAS NOT MY ACCOUNT 5 ) XXXX XXXX XXXX XXXX {$940.00} THIS IS NOT AN INSTALLMENT ACCOUNT IT IS A COLLECTIONS ACCOUNT I DO NOT OWN THIS DEBT SO IVE NEVER MADE PAYMETS TO THEM HOW CAN THEY REPORT LATE PAYMENTS ON A DEBT THAT ISNT MINE? 
6 ) XXXX XXXX XXXX/XXXX XXXX {$3900.00} SHOWING 3 MONTHS OS LATES THESE ARE REPORTED WRONGLY 7 ) XXXX XXXX XXXX   XXXX XXXX THIS IS NOT LATE THIS CAR WAS TOTALED IN AN ACCIDENT AND INSURANCE PAID THEM LATE REMOVE THE NEGATIVE REPORTING 8 ) XXXX XXXX XXXX TIME SHARE LOAN WE HAD REMOVED FOR FRAUD BACK IN XX/XX/XXXX REMOVE THE LATE STATUS I HAVE THE PROOF THEY NEVER RESPONDED TO MY DEMAND TO PROVE LETTER. 

Please remove these accounts immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 

Thank you for your time. 
Sincerely, XXXX XXXX
after researching my loan information I realized that I qualified for a change in the due date of my car loan. After making the change in my due date from XXXX XXXX to XXXX XXXX I subsequently made my payment. I received my next month 's statement and noted that I was charged a late fee. After speaking to Wells Fargo Dealership Services I was informed that the late fee would not be waived.
On or about XX/XX/2018 l file a claim against XXXX .the claim was awarded to me in XX/XX/2018 after that bank of America kept sending me letter telling me they paid me twice and just about every week they would take money out of my account I complain to anyone and everyone associated with bank of America to no avail they also said that my wife also file the same claim for XXXX dollars which was never received around the XXXX of XXXX my account was negative XXXX dollars I tried to close my account and negativity happened again with the two claims combine it came out to XXXX l do not owe
This dispute is against Chase Bank. It reports a charge off to my personal account for a business credit card opened by me on behalf of a business called Be   XXXX   XXXX   XXXX   approximately  XXXX  years ago.     This business credit card was opened as a business account by a business banker. He opened a savings and checking account for the business first, then asked if I wanted to open a business credit card. I consented. At NO time did he ever state to me that while this was a business account, that I would be personally responsible for payment of this account. Further he never showed me an application stating such. In fact, he did the entire application process on line, on his computer, facing him. I never saw any information, I was never given any information and I c ertainly NEVER signed anything stating that I would assume personal responsibility for this business account. I would NEVER have opened the Visa Card account had I known that I would be personally responsible for the debt of the business.      This banker clearly made a mistake by not having me sign anything. It is not for me to prove that I did not receive any information, it is for Chase Bank to prove that I did receive information and that I did sign an application stating that I would assume personal responsibility. They can NOT prove that I did because I did not sign anything. Interestingly, just yesterday I received a letter from  Chase Executive Office stating that their position remains the same, that I am  personally responsible and it attached a  16  page copy of the application I should have received, but did NOT receive. Not at the time with this banker, and not ever. This is clearly   Chase 's error, one for which I should not and can not be made personally responsible just because Chase says it 's their policy.
I find it very difficult to believe that the process is : I filed a complaint with    TransUnion about the  Chase post,   XXXX  goes back to the wrongdoer,  Chase, and asks them to reconsider, Chase says no, a nd that 's it. So  XXXX  reports harmful, damaging and costly information without recourse or responsibility? You ca n't possibly hide behind the shield of " Chase told us NO so it 's a NO '' and " We are only the reporting service ''.     I   want this post removed from my credit report immediately. It does not belong there. This was a business account, not a personal one. Chase ca n't force this on me just because they want to or their policy says so. They have to prove that I assumed responsibility and I did NOT.
Thank you very much.
I disputed unauthorized hard inquires XX/XX/XXXX and XX/XX/XXXX. Indeed, no formal documentation to support these unauthorized hard inquires. I just ask the following inquiries be removed immediately. 


1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX