WillisBack/dataset-financial-user-claim huggingface dataset:
I consolidated my loans to XXXX years ago. I filled out documentation to follow a IBR plan and the public service loan forgiveness plan. The PBLF will forgive debt after 10 years of payments. I submitted the proper paperwork proving that I had approved work since XX/XX/XXXX- XX/XX/XXXX and many years after. In XX/XX/XXXX, when buying a house and asking for the PSLF credit, they told me that I could not get credit for over 6 years because my loans were not consolidated with them. THEY WERE. My loans were supposed to be forgiven according to the PSLF rules in XX/XX/XXXX, however, I only got credit beginning in XX/XX/XXXXuntil now.

My loans were consolidated with XXXX   from XXXX. XXXX was horrible and never informed me correctly of my loans and falsely informed me that I was getting credit before consolidating. XXXX  customer service reps are inept. I faxed and mailed my documentation to them and they sent me a letter with the WRONG employer on it!! I, according to their letter, could not get credit because I had not worked at the place they put on the form. I had all of the CORRECT information on the form, including address, phone number, EIN of the employer, PLUS signature of HR and they STILL put the WRONG employer in the system ... refusing to correct it and give me credit. They are not friendly when you call/contact and NEVER fix their mistakes.

I am still getting interest added on loans that should have been dissolved and forgiven by the rules and now my loans have more than TRIPLED!! The balance on my loans is more than my current MORTGAGE debt!!!!! That is ridiculous and they are taking advantage of consumers. They are careless!!
HSBC Bank is reporting XXXX separate delinquent accounts on my credit report, as well as a collection account for XXXX of the same accounts. The delinquency is more than 7 years old. I have requested that these accounts be removed, but they continue to remain on my credit file.
On Wednesday, XXXX XXXX XXXX I received a call at work from a bill collector that I was unaware of. I 'm not allowed to get calls at work unless it 's family emergency. I ask the man to not call me back at work and if I owed this debt to please send something in writing to my address stating I owed this. On Thursday, XXXX XXXX I received several calls from this same person and due to the calls I was fired today. So if I owed this company anything, they wo n't be getting a dime now due to me losing my job because they kept calling when ask not too!
My mortgage was transferred from XXXX XXXX XXXX XXXX to Green Tree Servicing LLC. I did received a letter from XXXX XXXX XXXX XXXX notifying about this change. It is my understanding that all servicers engaged in the transfer of my mortgage to send me a notice at least 15 days before the effective date of the transfer. However, I have not received a letter today, XXXX/XXXX/2015, 2 days after the effective date of XXXX/XXXX/2015 from Green Tree Servicing, instructing me on how to make payments, customer service contact information etc. I had use the information provided in the letter from XXXX XXXX XXXX XXXX to contact them and find out what my account number is and how to make online payments. 
I only have 10 days left to make a payment my mail and Green Tree told me that they will charge a {$12.00} convenience fee for a one time online 'speed payment '. On their website it tells me that my account in not eligible to set up recurring auto-payments, likely because it is a new account. 
As a result, I will likely be forced to make a 'speed payment ' and having to pay the {$12.00} fee, which could have been avoided if Green Tree would have contacted me at least 15 days before the effective date, as they were required to do.
Banco Popular of Puerto Rico is killing us with high interest. I have a house mortgage at 6 % ( with my credit score perfect ) and a Personal Loan that i renew, I was paying perfect for 6-7 years and I begin it again to huracaine Mara, and the interest percent is the doble! I pay it correctly! But they know BANCO POPULAR we need the money and the loan so we have to accept the high percents of all, destroing our money and taking Puerto Rico for them. Its hard to pay all to them. And high porcents of % its incredible. I need get down those interest and they dont want it. For no body.
I received a XXXX gift card for mother 's day in the amount of {$25.00} and when I went to use it there was a XXXX balance on it ... .I never used the card until I tried to use it today XX/XX/2018.. when I call the card company they said someone used XXXX on XXXX then XXXX on XXXX ... .I told them it wasnt me and they said I have to do a dispute resolution on it and it takes up to 90 days ....
I noticed several inquiries on my credit report after I pulled my report. 

on XXXX there is 3 inquiries I have no knowlodge ofXX/XX/XXXX navy fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...
I have signed up for US bank Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$75.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses.
As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by XXXX XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
I have received 2 letters from XXXX XXXX XXXX demanding payment for a company I have never heard of in a state I have never been to. they are threating to report me to credit reporting services etc ....
This complaint is in reg ards to Navient recommending practices of loan repayment that are poor for both the U.S. governme nt in reducing debt and for the borrower. My current interest rate is at such a high rate that I am paying approximately {$820.00} a month in interest. Recently I re-enlisted in t he " Income Contingent Repayment Plan ''. During the course of my conversation with th e individual it was recommended that I seek another repayment option if my current plan was too high. He said that my monthly bill would go below {$400.00} per month. At that rate I would add over {$400.00} a month onto the principle once the interest is capitalized. the overall amount of money borrowed to go to school is already greater than what I actually borrowed. This is not a new tren d for Navient or in general  any student loan servicer. At that rate the overall student loan debt would continually increase across the board. These practices will lead to a student loan bubble collapse that could exceed  XXXX   XXXX  dollars worth of financial damage. Also during those interactions, I discovered that they have an automated system once I submit my application for income contingent repayment that removes my payment during the 15 day processing time frame and places me into forbearance. Because I have automatic repayment from my bank account I am given a reduced rate of 7.0 % from 7.25 %. However, because my payment is put into forbearance I have an increased rate up to 7.25 % for those 15 days. On average that me ans that Navient will make a n extra {$100.00} on my account. While that amount in general is not substantial to me, when it is expanded out to the number of people who have to submit applications for income contingent or income dependent plans the number grows to several  XXXX . Then, when you expand that out to the minimum repayment  of 15-20 years per plan it becomes evident that Navient is simply looking to increase profit against unsuspecting or unknowing consumers. I believe tha t this company represents a threat to the financial well being of this country, and they need to be handled accordingly.     Sincerely and looking to offer more insight into my dealings with this company,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX
I submitted a public record investigation request to LexisNexis XX/XX//18. I received these very vague responses attached, more than 30 days later. Additionally, they exceeded 30-day response requirements as per the FCRA. In my correspondence, I requested the Method of Verification which LexisNexis did not give in clear violation of FCRA. 

LexisNexis claimed to contact the bankruptcy court. I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

The item in question is as follows : US BKPT CT IL XXXX
Reference : XXXX, XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX XXXX opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX XXXX. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 XXXX XXXX XXXX This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.
I have contacted Wells Fargo on three separate occasions both taking an extended time to even get someone on the phone. I have requested they stop my bill pay ; which they have not ; they have debited {$200.00} out of my checking account without my permission. When I called to request the refund, only 1 payment was refunded which took 48 hours, then I had to call back a second time for the second payment. I advised this has been cancelled both over the phone and via my online banking. Now a 3rd payment has been drafted. I have had to wait 48+ hours all three times ; I have had to make numerous calls and been financially inconvenienced by having to wait for the money to be returned. I called today Sunday XX/XX/2017 and after 3 phone calls and over an hour on the phone I was advised I would instead have to call back on a bank business day to have the payment returned. XXXX!!! They need to refund my {$200.00} immediately and CLOSE MY ACCOUNT!!!!
I have asked South West Credit Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
In the previous response to the complaint, the company, First Advantage Corporation said that it revised the report to correct the error. However, I received the report today, and it has the same incorrect information. Under driving history, under accidents it says there was a " conviction date '' of XXXX. However, the driving abstract from the state simply says the accident was posted on that date. There never was a " conviction. '' Attached is the driver record again.
I booked a hotel with American Express Travel this past XXXX ( 2017 ) and used my American Express card to pay for the hotel fees. However, American Express Travel did not fulfill their contract with me and subsequently, I disputed the transaction with American Express so I could receive a refund. Although American Express should be unbiased and evaluate my dispute objectively, since American Express Travel is part of their company, they are not evaluating the transaction objectively. I know this because they literally told me. And they even told me that they could put me online with Amex travel. 
I can go into the exact details of how XXXX Travel did not meet their contract if it necessary but much of that information and associated documents are already in American Express 's hands.
XXXX XXXX sent me money via PayPal. We both have accounts. She sent it using my cell phone which is listed on my PayPal account. I got a text message from PayPal saying click here to redeem your money. When I click I am prompted to log in. But when I log in, the money is nowhere to be seen. I have tried several times over several days to no avail. I have contacted PayPal twice via email and they do not respond, forcing me to file this complaint as my only remedy.
Like many others, I pre-paid a portion of my XX/XX/XXXX municipal property taxes ( in my case totally {$11000.00} ) to cover the first half of XX/XX/XXXX, fully expecting that the bank handling my escrow and mortgage payments, Fifth Third Bank, would refund me the money in a timely manner in XX/XX/XXXX by reducing my total monthly mortgage payments. THIS STILL HAS NOT HAPPENED. I have been on the phone with them multiple times ( when I first contacted them asking them what I needed to send and by when before XX/XX/XXXX ; in a follow-up on XX/XX/XXXX where I was told things were in process ; on XX/XX/XXXX when I was AGAIN told that I'd receive an adjustment by " the end of the week '' ; after they inexplicably stated they needed further proof that I pre-paid my municipality on XX/XX/XXXX ( at which point I sent it again ) ; on XX/XX/XXXX when they told me the escrow re-evaluation was " in process '' and would take 6 business days, after which I would simply NOT pay the property tax portion of my monthly mortgage payments on XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to make up the extra money they had ( which DIDN'T happen ) ; and finally today - XX/XX/XXXX, when I was told that the escrow was only NOW being looked at, and because so much time had gone by they would need to wait until the next re-evaluation period in XXXX to even TELL me how much of MY MONEY I would get back. I am largely self-employed, and pre-paying {$11000.00} IN ADVANCE was already painful enough. But being told in repeated conversations that the MONTHLY payment WOULD be adjusted in a timely manner appropriately downwards, only to find that I STILL have to pay them the total {$4500.00} mortgage payment anyway thus far on XX/XX/XXXX ( as expected ), but also on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ( and beyond ) is killing me here. How long does it take for them to do a simple calculation : making note that I pre-paid and then re-adjusting to give me my money back? It's bad enough that I had to do this in the first place. But this now feels very much like they are deliberately delaying and holding onto my ( and I'm sure many other people 's ) money, perhaps to enjoy the interest gained ( similar to XXXX XXXX - who incidentally ALSO were recently forced to pay me back over {$1000.00} including interest of a rate lock extension fee they weren't supposed to have charged when they originally handled our mortgage ). Please tell me you can do something!
It was hard setting up pay arrangements with XXXX XXXX and navient for small payments. Making us difficult for me to make payments at the time.
FULL DEPOSITION TRANSCRIPT OF XXXX XXXX XXXX XXXX XXXX / XXXX XXXX attached fle fraud assignments in county land record use as prove of standing in county court, bankruptcy court house when its fraud assignments was discovered and challenged, XXXX XXXX move the serivicer to secondary services select portfolio servicing. why are the substitute trustee keep changing when fraud are discovered. there have being over XXXX debt collectors trying to collect on debt using fraud assignments upon fraud discovery the services select portfolio serving keep moving file to another fraud debt collectors to avoid detection of fraud and moves the files to one substitute trustee after another the original trustee wo n't have any part of this process which could produce liability disproportionate to any reward.And what point is the Trustee on the Deed of Trust, whether original or substituted, liable for subsequent misdeeds that amount to fraud? For example, if the original trustee has knowledge ( which all of them do now ) that the substitution is invalid then the original trustee is still the trustee on the deed of trust. Why wo n't they initiate the foreclosure process and fix the problem? Answer : Because they know they are dealing with fraudulent document, instructions and representations. The same rules probably apply to the substituted trustee. 
I think it might be important as it appears to be a widespread practice in the preparation of Appointments of Substitute Trustees by these debt collectors law firm 1. Defunct debt collector law firms of XXXX and " foreclosure mills '' including defunct law firm XXXX, ( file bankruptcy ) aka defunct debt collectors law firm of XXXX, ( file bankruptcy ) the sold to debt collector law firm XXXX, they abruptly shuts down without notice all of these debt collectors who and either shuts down as soon as the evidence of fraud is are being brought to light It concerns the Appointment of Substitute Trustee in my case .As pointed out by XXXX,
There are two accounts XXXX XXXX XXXX and a medical collections,  both have been charged off years ago, yet both keep affecting my credit every month and shows a renewal of collection opened every month. This should not be negatively affecting my credit as a new debt every single month. For example XXXX XXXX XXXX reflects XX/XX/2019 as renewal open date, this is not accurate. This needs to be fixed.
This company has foreclosed on my home after it was put under the civil service protection act in XXXX. The initial paperwork said that no Legal proceedings would take place until XXXX XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.
Today is XXXX XXXX, 2015. I have been trying to receive a loan payoff amount from Bank of America for the past week, so that we can close the sale of our property. When I called their customer care line, the agents who I spoke with obstructed my ability to obtain a loan payoff amount. In dealings with both myself and the designated closing agent, they have refused to fax loan payoff amount information. The only reasoning I can assume for this violation of my rights is that Bank of America continues to abuse SCRA loopholes, and prevent service members from receiving fair disclosure and account servicing. This is not the XXXX time I have reached out to the CFPB regarding Bank of America 's policies and procedures on my mortgage account 's servicing.
Equifax took more than 60 days to complete a credit investigation which is a violation of the FCRA.
On XX/XX/XXXX XXXX XXXX XXXX resigned from the XXXX XXXX XXXX. This left only myself XXXX XXXX XXXX as the sole Board Member and President of the XXXX XXXX XXXX. The same week that XXXX XXXX submitted his resignation to the Board I went down to the US Bank XXXX XXXX and asked XXXX XXXX XXXX to remove XXXX XXXX from the Homeowners checking account and showed him a copy of XXXX XXXX 's e-mail he had sent to me resigning. XXXX XXXX XXXX said he could not unless I supplied other documentation. I told XXXX XXXX XXXX at that time if XXXX XXXX accessed the account I would hold him accountable. He later called me and told me that he had talked to a corporate lawyer about it. When I asked for the lawyers name and phone number he backtracked and stated he had just talked to the legal " office '' that he had n't talked to an attorney. I called XXXX XXXX XXXX 's manager XXXX XXXX XXXX to complain that it was n't ethical to say you talked to an attorney about my situation when you really had n't. XXXX XXXX agreed and so I did n't file a complaint at that time. However, later XXXX XXXX went to the XXXX US Bank Branch and verbally asked to be taken off of the account. For some reason XXXX XXXX was not taken off of the account. On or around XX/XX/XXXX XXXX XXXX called me to tell me that XXXX XXXX XXXX had went to an " outlying '' branch and withdrew all of the money out of the account and close the account. XXXX XXXX said he was sorry and sent me this link to file a complaint. I have taken all of the e-mails/correspondence to the XXXX Police and they have filed a police report on this issue. As the President of the XXXX XXXX XXXX I was left with debt to pay from the account as well as the XXXX XXXX having to go through legal issues due to this.
I wanted to downgrade my citibank checking account to one that is not charged a monthly fee. However, the promotion miles that I had earned from opening the account had not posted yet. I delayed the account change so the missing miles could be applied to my account. Each month I called back to check on it, but the miles still had n't been applied. I keep receiving fees because I ca n't change my account. I ca n't change my account because I do n't want to give up the XXXX XXXX XXXX miles that I earned. An official inquiry was made as to why my miles were n't posting. The letter explaining the results of that inquiry stated that there was not an XXXX offered with the opening of my account. That is not true. I opened the account using a promotion code which qualified me for XXXX AA miles. I called new account services to investigate for myself what had been recorded during my original application pull. The XXXX that I was talking to verified that I had indeed used the correct promo code for the miles and that they should have been applied to my account. When pressed further about the situation this same rep told me that citibank did n't have enough miles to award all the people that took advantage of the promotion because too many people had applied using the code.
I took out {$13000.00} in student loans in XX/XX/XXXX. I have added up all of my payments over the life of the loan ( XX/XX/XXXX - XX/XX/XXXX ), and I have paid more than {$24000.00}. The loans were transferred to Navient in XX/XX/XXXX, and now with fees and interest, they are claiming that I still owe over {$42000.00}. Their records only go back to XX/XX/XXXX ; they do not show any records from the time I took out the loans, so the bulk of my payments are not on their records. I have paid off my debt, but Navient keeps charging me fees and interest. I do n't know how to get them to stop.
We have our mortgage through Ocwen. For several years we have paid extra on all our monthly payments. When I called Ocwen, they said they have a separate account for the overpayments which is about {$800.00} now. They have not been applying the extra money to the principal but instead have been keeping it in a separate account. It was my belief that these extra funds were legally supposed to go towards the principal. What is my legal recourse? 
Sincerely, XXXX