WillisBack/dataset-financial-user-claim huggingface dataset:
I originally obtained my student loan through XXXX XXXX and was transferred to Navient. I consolidated my loans and began paying on an Income Based Repayment loan ( to XXXX XXXX ) in order to eventually take advantage of the public service loan forgiveness program. I specifically asked on numerous occasions if my IBR payments qualified for the PSLFP and was told yes. In fairness, I began paying and asking these questions at the very beginning of the announcement of this new possibility for loan forgiveness. I recognize in the beginning that they may have not understood exactly how this program would work. But for the past three or so years I have been making payments on a loan that I thought would qualify towards the PSLF programs required number of payments. I was told by a co-worker randomly that the only payments that count towards the PSLFP are those that are DL loans, not other loans, even those that are being payed on an IBR would count. I immediately began researching that these loans, while consolidated as I was directed to do, were not actually DL ( direct loans ) meaning they in fact did not count towards my 10 year repayment requirement. When I called the federal loan servicing department at XXXX they confirmed the fact that my prior IBR payments did not count and immediately consolidated my loans into a DL that would count, paying off my Navient loans. Navient when called stated they had never told me this, and unfortunately I do not have proof of the fact that I was given this false information. Additionally, when discussing the matter that the prior payment did not count with the federal loan servicing department at fedloan.gov, I was told they had heard numerous stories related to this but had no fix to the past payment issue, so I believe this is a widespread problem and many others are likely currently making payments that they believe count towards different loan forgiveness programs, though they likely do not. I have already made a complaint whit the BBB to no affect. Navient did not provide a response other than denial.
After sending a dispute letter certified mail to Transunion regarding wrong accounts I received a statement back that they were verified. I sent a request again through certified mail requesting reinvestigation and verification and method of verification and have never heard back that was XX/XX/XXXX. The wrong accounts are XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX After requesting information several times theses accounts remain unverified Transunion needs to delete them permanently
An Alleged lender is stating that they have an interest in my property. I have requested proof of their claim of a loan, for this not the lender I contracted with. However, this lender admitted they did not have the blue wet ink original documents as required by law. Addition to this the lender has now taking action to sell my land in an auction scheduled XX/XX/XXXX. Without an Court order.
An iPhone 6 was offered on XXXX by XXXX XXXX with an email address of " XXXXXXXXXXXX '' She replied with a different email address of " XXXX '' and stated she was from XXXX, Ohio. When I suggested meeting to see the phone, she said she was in XXXX, XXXX and had the phone with her. She said she would arrange to have the phone sent to me by " Just In Time '' a parcel shipping service in XXXX. I was asked to send {$300.00} by Western Union to " XXXX XXXX XXXX ''. The money was sent on XXXX XXXX and Just In Time promised delivery of the phone to me by XXXX XXXX XXXX. When it was not received, I sent several emails to Just In Time and to XXXX XXXX asking the whereabouts of the phone and they have not responded. This is a SCAM.
On XX/XX/XXXX, Second Round Llp, filed a civil suit at my local court regarding a debt in the amount of XXXX. I have not received correspondence from this company validating this debt. Second Round LLP buys old debt and tries to collect. I get robocalls all the time but not sure if it is from them since no company information is given. I do not even know what this debt is for. I sent correspondence on XX/XX/XXXX for immediate validation of this debt. They have also put a negative remark on my credit
Transunion has on their my credit report that I have a job stating RETIREMENT/ALIMONY/SSI AS NEW EMPLOYMENT AND i DO NOT WORK I RETIRED IN 2005 AND RECEIVE RETIREMENT PENSION AND SOCIAL SECURITY. THEY REFUSE TO TAKE THIS OFF OF MY CREDIT REPORT AND I WANT TO KNOW WHERE DID THEY GET THIS FRAUDULENT INFORMATION. IT NEEDS TO COME OFF OF MY CREDIT REPORT, I DO NOT HAVE NEW JOB. WHAT DO I DO TO REMOVE THIS?
I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. I WENT TO SEND THEM A LETTER BASED OFF THE INFORMATION THEY FURNISHED ON MY CREDI TREPORT AND THE LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
On XXXX XXXX my mortgage company, Ditech, completed my escrow analysis and showed that I had an overage of {$160.00} and that it would be paid out in 5 business days. I have not yet received. I contacted Ditech in XXXX, via phone, and was told they had implemented a new system and it was preventing the checks from being sent out, that it would be sent in 10 business days. I contacted Ditech twice more via phone, every 10 business days and kept getting the same explanation. I have not yet received the overpayment. As I was getting nowhere via phone, I contacted Ditech via their messaging system on XXXX XXXX and again XXXX XXXX in response to the same issue. I have received letters from Ditech stating they are looking into it. Ditech sent me the letter stating they were going to send me a check, I am not sure what they are looking into? 

I have also requested, via their messaging system, that they no longer send me anything regarding refinancing, that due to their inability to process an escrow overage check, I have no interest in refinancing with them. Ditech continues to send these notices. 

I am hoping someone can review this information and get Ditech to issue my overage check and quit mailing me the refinance letters. They have wasted more money on the refinance letters than had they just sent my check.
Beginning in XXXX, I visited the XXXX dealership in XXXX, TX. I was purchasing another vehicle and decided to take my XX/XX/XXXX XXXX to the service department. I was having issues with my XXXX, which is covered under the extended bumper-to-bumper warranty I purchased. 

I dropped my car off for them to look at the XXXX issue and to perform a XXXX mile tune-up on my car, which cost me over {$700.00}! When I came to pick my car up a few days later, I noticed after leaving the dealership the XXXX issue was not resolved. I immediately called the dealership and they advised me to bring it back in a few days, which I did. 

Upon bringing the car back for the SECOND time, the XXXX dealership put me into a rental. They kept my car for a WEEK and then called saying they were not certain what the issue was and I needed to come get the car. They said they would order a new radio and when it was received I could bring it back and they would replace it. 

I later brought my car back and they put me into a rental car again. This time the dealership kept my car for FIVE solid weeks. They returned my car to me on XXXX, which is the last day my warranty was valid. 

After leaving with the car, we noticed the XXXX issue still was not resolved and now we were having additional issues with electronic components ( thermostat read XXXX degrees, all of the time, and when I changed the temperature of the air conditioning it would also change the mode, which are controlled separately ) Again, I called the dealership to let them know. I was asked to bring the car up there on XXXX at XXXX Unfortunately, I was unable to make it to the dealership in the morning due to work ; however, we brought the car up there at XXXX - just six hours later. 

When my boyfriend arrived at the dealership he was informed that they would not look at the car because we were not there on time, they would not simply take the car and give us a rental because they had to diagnose the car to ensure something was wrong with it - mind you - this is NOT a new problem. The manager, XXXX refused to talk to me on the phone and made me speak with the Service Guy and she also said that unless we could prove that they caused the additional electrical issues, we were going to have to pay for those out of pocket. 

It is ridiculous that a consumer can pay thousands of dollars for a warranty, be charged interest on top of that, and not receive the level of service they should. THIS IS A COMPLETE SCAM!
I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to first find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.
A derogatory record appeared on my account posted by CBNA indicating a card over limit. I do not have any cards with CBNA and none of my existing cards are over limit. 
The credit report is posted incorrectly and must be removed from my credit reports immediately.
I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the XXXX XXXX XXXX. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW 110234. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XXXX XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with XXXX but is a third party debt collector. See attached screenshot.
XXXX XXXX XXXX HIRED CAVALRY TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.
My mortgage was sold to Ditech Mortgage from Greentree which was sold from XXXX which was sold from XXXX and all before Ditech allowed bi-weekly payment only Ditech says they do not allow bi-weekly payment or allow me to sign up for auto pay. I had my bank send them funds Bi-weekly and had to call to have the funds changed to a payment every month. They took funds for the first two payment and then reversed that, and sent me to collections for the amount of the two payments. Unable to reach any one at customer service and unable to make an online payment with a Credit Card. The did not apply the bi-weekly payment to the principal on my account and I do not know where that money went. So by reversing those payments that were applied to my mortgage the last mortgage amount increased. I have never missed a payment and this is very disturbing that a mortgage company will practice these procedures to take advantage of the consumer.
Sometime in the Month of XXXX we called Citi Card to see how many Thank You points we had. At that time we were thinking of taking our kids to XXXX XXXX for a night. When we called we were told we had no points available. We requested to be transferred to the correct department for explanation. We were told that due to our delinquency we could not use our points. We informed them that we had not received a bill and that is why no payment had been made. After being transferred 5 or more time we finale were told that we did not receive a mail statement because the account was changed to email statement. 
At NO time did we ever requested our statements to be switched since my husband does not pay the bills ( I pay all of bills via paper ). After hours on the phone they were unable to tell us WHEN or HOW this happened. We requested that the error be corrected before it was to be sent to the credit bureau and to switch us back to mailed statements. After that call we we took all our money off of Citi Card and transferred it to XXXX. It was the most horrible experience. At this time we had sold our home and were living an apartment and we knew we could not have anything on our credit report due to our upcoming house settlement. We were notified on XXXX by our mortgage company that our credit score had dropped over 100 points due to Citi Card reporting one missed payment. Since then we have called and spoken to  several employees who have lied and not documented the conversations. We were told that a letter was being mailed of to us and it never was. The letter was to state that they will be contacting the credit beauru and making the correction to our credit. We called back two days later to see if it was mailed and we were told nothing had been done or documented regarding this request. All our mortgage company needs it this letter so we can settle on our home on XX/XX/24. Due to their error, lies and incorrect and NOT documenting our calls we may lose our home!!!!
I sent this person money onXX/XX/XXXX apparently he picked it up on XX/XX/XXXX and now I suspect fraud because he is not returning any of my phone calls or text messages now I want to file a complaint to see if I can have my money refunded
My identity has been stolen. Among opening credit cards, applying for loans, and much more, the thief has created an online account with Experian. The thief used my personal information ( name, DOB, SNN, etc ) but their login information ( username, email address, security questions ). This has made it extremely difficult to get my credit report from Experian. 

I called Experian on XX/XX/2018 to explain the issue with the fraudulent account. I requested that the fraudulent account be closed immediately. I also requested that I open a new account with my information, thus prohibiting future fraudulent accounts. I also purchased the premium membership for this new account. I asked the representative multiple times to confirm that she was not merging the fraudulent account with my email address, and instead closing the fraudulent account and opening a completely new one. 

After getting off the phone with the representative I received emails from Experian regarding my online account / membership. Instead of receiving new account information ( like how to set up my password ) I received account update information. The fraudulent account was not closed. The fraudulent account was updated for my email address. I am unable to get into this account because I do not have the login information and do not know the answers to the security questions. I called Experian back immediately and the representative said that the changes would not be in affect for 24 hours. It has now been 48 hours and I am still locked out of this fraudulent account and still have not received information on setting up my new account. The thief is still able to access the fraudulent account and is now able to see my paid membership information and email address.
I continue to receive bills from a collection agency, United Collections Bureau , INC for a medical debt for my son XXXX XXXX. At the time, insurance information was submitted for the XXXX coverage my son had at the time he was a minor. This company continues to harass me on behalf of XXXX XXXX XXXX Hospital in XXXX, Ohio. The dates of service all occurred on XX/XX/2016 with a total cost of {$790.00}. My son had Ohio XXXX full coverage health coverage during the entire 12 months of XX/XX/2016. I am not sure if this company is doubling billing and committing XXXX fraud or if their claim submission for payment to the insurance company was overlooked.
XXXX XXXX from Williams and Fudge XXXX XXXX XXXX XXXX SC XXXX XXXX I have been repeatedly harassed after asking them to stop calling. They called my employer on XX/XX/18 at XXXX XXXX 

They have never sent paperwork to me.
I have several liens reporting on my credit file by this company. XXXX and XXXX are not reporting any lien. upon checking my credit report I downloaded today, there is no way to verify that these liens belong on my credit report. The only information reported is a reference number, amount, filing date. I then called Transunion today, XXXX XXXX, XXXX and spoke to a representative, XXXX. I questioned him about the issue. XXXX claimed that what we see on the credit report is also what they can see, meaning they do not see my DOB, SSN nor address linked to the liens they are reporting. I questioned XXXX about the XXXX XXXX XXXX  program and told him that if Transunion 's system does n't show my DOB, SSN and my address, the liens should have been removed last XXXX XXXX, XXXX. XXXX claims that the standards have been applied to the system already and remaining liens where verified. The question is how was it verified if they do not keep records of DOB, SSN or address associated with the liens? He then said they verified the information directly from courthouses electronically. I do not think that the liens reference # s, XXXX, XXXX and XXXX belong on my credit report. He initiated the dispute over the phne and provided me with a file number # XXXX
I have never been to this facility, have attempted to dispute with merchant credit and the reporting agency, with no response or solution, on multiple occasions. 

XXXX XXXX Opened XXXX XXXX, 2016 + {$130.00} Original creditor : XXXX XXXX XXXX
PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.
To whom it may concern, PNC bank claim number : XXXX. I'm writing this letter corncerning a claim i filed with PNC bank. On XX/XX/2018. I detected that my card was lost and has been used by an unathorized user. I immediately called PNC to file a claim on XX/XX/2018. After I filed a claim, i wasn't awarderd provisional credit after ten days and the bank said I should wait for 30 to 50 days for my claim to be completed. On XXXX XXXX, I called the customer service department again to check whether my check has been mailed because they said it was gone take 15 business days for it to be mailed. They also stated that my claim was valid and permanent credit of $ XXXXwas applied to my card. I also recieve a letter from the mail saying my claim was accepted. On XX/XX/2018, I called back to check whether my check was mailed and they mentioned to me that the escalition departmemt will take care of it within 3 to 5 business days. Furthermore, i ask the customer service rep can I go to the bank to collect and he said yes your funds are available at the bank since the check hasn't been issued. On XX/XX/2018, I went to the PNC at XXXX XXXX Ga XXXX and they said my account was blocked and they couldn't issue any funds to me at the time and I'll have to contact customer service for further details. When i contacted customer service, they transferred me to the fraud department and that's when they stated to me that my claim was approved and the money is in the account, but the account has been blocked, closed, and the funds will be uphold. They stated that the reason my funds were uphold was because I missed used PNC terms.I had never authorize anyone to use my card, and it wasn't my fault that all this transactions where authorized by the bank rather than blocking it. Had I knew somebody had access to my information, i would've called to block it immediately. Unfortunately, I'm having to go back and forward for something I didn't do. It was a couple of transactions and I hadly spend my money like that because I work hard for it. Also, a customer care agent said I could only recieve XXXX out of my claim money, which she cited from the notes she had on file after I left the XXXX branch XXXX ga. I also contacted PNC on Monday XX/XX/2018 and I spoke to a customer care agent whom said my claim was accepted, but it was a mistake. I was so frustrated that I had to request to speak to a supervisor because the information I was getting made no sense. When speaking to the supervisor, I explained all my problems, thats when she put me on hold to check on the notes. After checking the notes, she stated to me that she had sent it to the escalation department with urgency and she couldn't contact them directly because that department only responds by email and they dont have a phone number. She also stated that I could go to the any PNC branch and get the XXXX, when my claim was for XXXX. All this Information I'm stating was on a recorded line when I was speaking to them. I'll also attach a copy of the approved letter