WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently on  the REPAYE plan payin g $  XXXX  and my recertification application is due  XXXX / XXXX /  XXXX  . FedLoan Servicing is my loan servicer since I currently participate in the PSLF process.  FedLoan sent me message in FedLoans  paperless inbox on  XXXX / XXXX /  XXXX   requesting I send in my application to recertify my income fo r REPAYE. I  complied and submitted my recertification application to studentloans.gov on  XXXX / XXXX /  XXXX  .  FedLoan  acknowledged receiving my REPAYE recertification request on  XXXX / XXXX /  XXXX   stating they would inform me of any problems . FedLoan did  not tell me there were any problems with my recertification. On  XXXX / XXXX /  XXXX   I logged into my  FedLoan accoun t and viewed my new billing statement which claimed I now owed {$3600.00}. I received no paperwork regarding a new REPAYE payment amount nor any information regarding the status of my recertification application. I calle d FedLoan o n  XXXX / XXXX /  XXXX   and was told that my REPAYE recertification application was sent " too early '' and that it was closed out without any notification to me. The phone rep stated she would forward the matter to her supervisor and they would work with a loan servicer to remedy the issue. However, the phone rep indicated this is a lengthy process and I  may lose a month of payments toward PSLF. I f this issue is not rectified then I will owe an impossible payment of over $  XXXX . I had no way of knowing that my recertification application was sent too early as I was only following the directions of FedLoan Servicing to recertify my IDR plan in  XXXX .
Pay pal cut off my debit card without a text or a phone call or permission. 

Leaving me without access to my money, having ordered food. Transferred me several times, dumping me XXXX back out to a call in system, gave me XXXX telephone numbers, stating, " XXXX of these '' should work, and neither of them did. 
Kept me on hold for an hour, As it so happened, I had n't yet updated my address, so Paypal sent a card to my old address. 

Yes I had a dispute with a retailer but noNow, I notified them about a dispute with an XXXX purchase, who resolved the dispute with me. I specifically checked the box which said the card was still in my possession, and at no time was I notified that by filling out that form that my card was going to be cut off. 
I did find that they had sent an " a new card is on the way '' but nothing stating my card was cut off.
Hi, I would like submit a complaint about a Dept collector trying to collect a Debt I never authorized this is a Fraudulent dept. Original account holder has no record of me authorizing this charge. I never authorized this charge. American Medical Collection Agency continues to attempt to collect a Debt that was not Authorized by Me. 
They have sent me threat letters stating they are going to put it on my credit report, again I did not authorized this Debt charge. Please have this collector stop Harassing me. with letters and calls and have the Debt collector remove the account from my Credit Files.
In several different occasions I have tried retrieving my credit report via Experian and Annual Credit Report and every single time, Experian denies my request. Today, I signed up for XXXX XXXX XXXX, and I found out what the issue is, Experian has incorrect information on my credit report, incorrect DOB, incorrect Address, incorrect everything!!!! If I try to pull my credit report, using both the correct and incorrect information they have on my file, it is the same thing. I even tried uploading my documents via XXXX and the page is not working. Furthermore, I have tried calling the XXXX number, but it is impossible to get through a rep. Please assist in Experian providing my credit report, remove the incorrect information and remove the fraud alert that was placed on my file.
Experian continue to maintain inaccurate account information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have provided sufficient information to prove to them that the account status information for both accounts are grossly inaccurate as well as not showing the accounts being discharged in bankruptcy.
Please remove this debt from my credit report. It 's not mine at all. It belongs to a relative not me.
Tranunion reported me 30 days late after showing proof of paying my never late auto on time
TransUnion, XXXX, XXXX all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.
A year ago I voluntarily Suspended my credit card account with Discover Card, in order to lower my interest rate. I have never been late. Always paid on time. I agreed to do this for a one year period. As of XXXX XXXX, 2016 I was supposed to be able to use my card again. Discover card REFUSES to release my card since they claim they have to see if I can still pay for the next few months at the new rate. This is not only ridiculous, but Illegal! I have been a Discover member for 20 years! I have never been late. I am a single woman and feel they are discriminating against me! They refuse to release me. Please look into this as soon as possible. They are re-dictating the payoff process..
XXXX Bank charged me {$10.00} plus interest at 19 % for an overdraft of {$0.00}. 
I have been with this bank from the 1950 's when it was XXXX XXXX XXXX For most of that time I have had an overdraft LOC. I have not used it in years. When I last used it, I was much poorer than I am now and was NEVER charged a fee for using it. 
Now they have instituted the fee without any notification that I can recall. 
It is not a lot of money but I think this fee is uncalled for. I have requested a refund and so far have been denied. I have told them that I will be closing this account if the fee is not cancelled and refunded. 
I guess these days one can not contest the 19 % but it does seem to be very high. People of limited means can be seriously affected by this fee and the interest rate. 
Whatever happened to service?
I tried to right a check at the grocery store after banking with XXXX for 5 plus years and frequently writing checks. My check was declined, I was told to contact Telecheck. I contacted telecheck and they advised derogatory information was reporting from a XXXX XXXX acct. I have never had a XXXX acct and explained this several times. They continue to read from a script with no resolution. Several times they asked for the XXXX acct that I had explained several times, I had no business with XXXX. Telecheck referred me to XXXX after sitting in the branch ( 2.5 ) hours XXXX verified I had no debt with them and also advised because I had no account, there was not a letter they could provide me. I called Telecheck advised them of this and requested a supervisor, after being on hold for upwards of 10 mins multiple times hey returned and stated they had no supervisor available. I have explained how their unfair business practice is causing a hardship on my family and may also negatively impact my employment. They refuse to rectify or fix this erroneous information. I need assitance with getting this fixed.
My story is similar to some I 've read. Around or about XXXX XXXX I received an letter to avoid a garnishment, which I faxed on XXXX XXXX. That was the last time I heard from Keith Weiner & Association. Until XXXX XXXX my employer sent notification of garnishment to be effective for XX/XX/XXXX first garnishment payment being withheld. I contacted the paralegal specialist advising I was blindsided by this garnishment and the amount of {$230.00} XXXX would cause a hardship for me and my children being I 'm a single parent and sole provider of XXXX. The paralegal specialist informed me at this point the only option I had was to go to court and request for a hearing. To avoid any more attention to this garnishment and even more the embarrassment I did n't challenge the garnishment amount so for the next XXXX months XXXX was withheld biweekly until the final payment was made XX/XX/XXXX satisfying the debt of {$1100.00} to XXXX XXXX XXXX XXXX XXXX of Ohio represented by Keith Weiner & Associates for collections. XXXX XXXX totaling {$1100.00} XXXX XXXX.Sometime in XX/XX/XXXX I received a notification for Keith Weiner office stating there was a balance of {$470.00} due for interest I called XXXX XXXX who is extremely rude. I tried to explain XXXX XXXX I would send the all if my pay statements showing this was satisfied paid in full on XX/XX/XXXX a final payment letter was sent to Weiner from my employe on XX/XX/XXXX as well. XXXX told me he did care what I had I still owed {$470.00} I asked how {$1100.00} was garnished by court order and that he was going to garnishment me again. I pleaded with him not to do so knowing the debt was satisfied and I could provide proof to XXXX XXXX he stated he did n't want any proof. I hung up very frustrated never receiving any other notification regarding another garnishment. Until I came back to work being out on XXXX for over XXXX weeks. XX/XX/XXXX garnished again by Weiner first payment on XX/XX/XXXX for the XXXX time for an additional {$470.00} in addition to the {$1100.00} with held XXXX XXXX. With the additional amount Totaling {$1600.00} causing and overpayment of {$470.00}. I contacted Weiner requesting my money back and XXXX stating I 'm not getting anything back I have all the cashed cancelled checks and now seeking legal guidance in this matter I 'm in jeopardy of losing my house this has caused XXXX, financial hardship humiliation as well as my reputation at Work.
XX/XX/XXXX     Ref : Account  XXXX  To whom i t may concern , This letter is to file a formal complaint against Citibank. Let me start by saying that when I first opened this account 2 years ago I was never explained how the line of credit would worked, which caused an issue for me as I began to accrue charges on my account. Sometime around   XX/XX/XXXX  I called customer service and inquiry about the balances showin g on my bank statement. This customer service Representative assure me that I did not owe any money that the balances on the statement was the money that I have. Today when I received my bank statement I called the customer service and find out that in fact I had a {$1100.00} balance on this credit line which I have been charged interested since  XX/XX/XXXX , as well as {$10.00} transfer fee for each transaction. I had money on my savings account and I asked why the money was not taken out of the saving account to cover these fees instead of continuing to charge me interest for almost a year. I do not believe the charges are fair. I hope that this could be investigate and resolved. I paid all of the balance so that I do not have to pa y 16 %   interest anymore.     Sincerely,  XXXX   XXXX
My wife and I filed a Chapter XXXX because we had received a foreclosure notice in XXXX XXXX. The Chapter XXXX was discharged in XXXX of XXXX. I recently went to pruchase a home and the realtor said that the county records show that Bank of America transferred the deed out of my name to their bank in XXXX of XXXX. So because of the lending laws, I am unable to get a VA loan because it looks like my foreclosure is within 3 years.
I applied and opened a checking account in branch on XXXX XXXX, XXXX. People United Bank was running a promotion that the associate attached to my account. The offer was to receive {$100.00} after meeting a single direct deposit requirement in 30 days of over {$100.00}. On XXXX/XXXX/XXXX, there was a direct deposit of {$540.00}, the opening bonus was never credited to the account in the 3 month promised time. The bank did not award the bonus lines in their terms and conditions. I was I satisfied with the process and did not use the account after the promised time. Bank closed my account after a month of inactivity.
USAA continues to report inaccurate information on my credit report. the past 10+ years my payment history as been 100 % paid on time. USAA decided to report a missed payment when in fact I did pay. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points! with companies refusing to loan to me.
XX/XX/XXXX- Just finished a 5 year chapter XXXX to save our home. Upon coming out of the chapter XXXX we did not receive any bills or documentation stating SLS purchased our loan from XXXX XXXX. In XX/XX/XXXX SLS finally stated they were our mortgage company and made us fill out a total of 8 loan modification packets always coming back unfinished. We finally made them send us the previous bills and the month we got out of our chapter XXXX we still owed them the same amount we went into for XXXX. Now they are taking my home and I just want to safe my home and they will no longer speak to me and I also put my attorney on my account to speak for my behalf and they refuse to speak with her. I am in a catch 22 because now they wont speak to either one of us and in my heart there is no way to safe my house. I am desperate to safe my home. Please help. XXXX XXXX XXXX
I purchased a new construction with XXXX XXXX in XXXX, MD and used XXXX XXXX in-house lender, NVR Mortgage, as my mortgage lender. However, due my loan officer and NVR Mortgages negligence, they failed to provide me with the information that I needed to properly submit an application for the Maryland HomeCredit Program, which offers eligible first-time home buyers an annual tax credit of {$2000.00} for the life of the loan. I first inquired with my loan officer during our initial meeting on XXXX XXXX, 2017 and had submitted several follow-up inquiries regarding the application process for the Maryland HomeCredit Program to her over the course of the 5-months that my home was under construction. Despite the 8 e-mail and phone inquiries during this period, my loan officer only responded to me once and told me that the application would be provided to me at settlement, which would still be sufficient time. However, I was not provided with an application at closing, and it would be another 3 weeks after settlement that my loan officer would share an application for the XXXX XXXX XXXX which was not the Program that I had been seeking. When I finally received the Homestead exemption application, I immediately notified NVR Mortgage of the problem. They researched the issue for several weeks and was found that I would no longer qualify for the Maryland HomeCredit Program because the application needed to be submitted by the lender prior to closing. So it was too late. As a result, I suffered a potential loss of {$51000.00} in tax credits over the course of my 30-year mortgage. 

While NVR Mortgage has acknowledged that they were fully at fault for not responding to my inquiries in a timely fashion before closing, they had determined that, despite the fact that my loan officer had recommended that I put down a smaller down payment than what I could have offered and for which, I could have adjusted if I was provided with the correct information before closing. As a result, my loan exceeded the eligibility criteria for the Program, and NVR Mortgage 's corporate office does not feel that they need to take any action or responsibility for this negligence.
Since XX/XX/18 I have been receiving calls from the following phone number : XXXX in XXXX, Washington. I am a XXXX, and my XXXX is in XXXX, Washington so when the first call came in, I picked it up, thinking that it was her. It was not. Instead, what I heard was someone mumbling something about what sounded like being transferred to 'customer service ' and then an automated recording stating the following : You will be on hold for a long time. Would you like to listen to music? Press 1. For Silence, press 2. I  hung up at that point. At no time did the caller or the automated recording say what company they were calling from. Since that time I have been averaging 1-3 calls daily from this number for a total of 34 to date. They do not leave a verbal voice mail message, although on a couple of messages the sounds of talking and office sounds can be heard in the background. After the first call, I did block this call from my phone, however they continue to call. 

My research indicates that this is a debt collection agency, however, I do not have any outstanding debt, whatsoever. Also, when I checked the XXXX XXXX reverse lookup they indicated that this is high risk number for Spam/Fraud. Also I am on the Do Not call registry
XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} XXXX ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from XXXX. Apparently they assigned the collection to Springer Collections ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from Springer Collections for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that Springer Collections can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via XXXX ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at Springer Collections to confirm that everything was in order. He told me that XXXX had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, XXXX refuse to talk to me, Springer XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX of Springer Collections called me. He told me that XXXX still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows zero following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
XXXX continue to report a non-existent debt on my credit report. 
Springer Collections XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.
in reference of complaint # XXXXwhen branch was giving me run around for three cont. days, first day as per XXXX that they could not find my original papers and waisted my couple hours then second or third day i noticed XXXX staff members included one lady wispered on the side and that lady approched me with blank form and asked me to sign on this and i refused to sign that blank form. 
now in this branch so many cameras and challange to you that go ahead watch those videos from those days. you will find all type of illegal activity.
Experian is refusing to follow the law which is robbing me of my right to have " accurate, complete and verifiable information on my credit report. 

The FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) states that they must provide me with " a description of the procedure used to determine the accuracy and completeness of the information '' also A third party furnisher of information does not meet the standard set forth by the FCRA. Section 611, ( 6 ) ( B ) ( iii ) says that " ONLY the Bankruptcy Court should be the furnisher '' of information, not a third party source. I have requested their Method of verification three times, they have refused only to reply with " verified '' The last correspondence from Experian states " The company that reported the information has certified to Experian that the information is accurate '' but they refuse to disclose the name and address of the verifying company as required by law.

The Law says " ONLY THE COURT SHOULD BE THE FURNISHER '' The documentation ( which I have furnished to Experian three times ) from the UNITED STATES BANKRUPTCY COURT and signed by The case administrator supervisor which states that " Their office does not report ANY information to the credit reporting agencies '' making it impossible that Experian has followed the law and are responding to my good faith inquiries with inaccurate, incomplete and unverifyable information. 

Both XXXX and XXXX  have also investigated this and agreed the information is not varifyable and have deleted it. 

I have just once again completed a call with an Experian supervisor ( XXXX ) who has assured me that they are required to follow procedure ... EXPERIAN PROCEDURE, NOT THE LAW! 1 hour 22 minutes in which the supervisor " XXXX '' hung up on me. 

She also is either misinformed or telling a known untruth that a chapter XXXX bk is not required to be reported for seven years but allowed to. No information is required to be reported. Training of employees is a good idea. Supervisors should be knowledgeable of procedure, law and be truthful.
I never applied nor did I go to school this loan is not mine. Several times I have requested proof that this is my debt Have been told several times would send documents. They have not sent anything. It has been over XXXX years that this dept has ruined my credit
They had me on the wrong payment plan for months, they finally fixed their mistake, but had been overcharging me the entire time
Hi I tried to contact XXXX, Transunion and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
My physician 's office mistakenly sent this account for collection in XXXX of 2015. My physician 's office took action right away when they determined that they had sent the account to collections in error and immediately contacted the collection agency to have the account removed. This occurred in early XXXX 2015. I just checked my credit reports and the collection accounts are still on all XXXX credit reports. When I called the collection agency, they would n't help me to remove the account, they just told me to file a dispute with the credit agencies. They did n't even ask for my account number, just said that they would have done it right away. Basically, they said that it 's my problem, not theirs, and I need to go through the dispute process to have the inaccurate removed.