WillisBack/dataset-financial-user-claim huggingface dataset:
I have struggled to receive my public service loan forgiveness at every step of the process. they claim this is because my loan is consolidated with my husband 's so it's " hard to see '' in their system. In XX/XX/2018, I finally had all the pieces in place. I my employment ( XXXX XXXX ) had been approved several times. I had ( sent by them ) a listing of all qualifying payments showing that I had made more than 120 qualifying payments. I submitted the final application for forgiveness and received a response that I had no loans with them. This always happened every time I submitted an employment verification. It would take a phone call, they would submit it for review and, within a couple weeks, it would be approved. So I called on XX/XX/2018 to have it submitted for review. They said they would but I heard nothing for over a month. Again I called on XX/XX/2018 to inquire about the status of the review. The person I spoke to gave me false information about the eligibility requirements. I asked to speak to her supervisor. The supervisor investigated and found all the pieces of my information ( employment approval, loans, payments ) and said she was putting them all together in one email and sending them for review. Again, I heard nothing. I called again on XX/XX/2018. At first the person helping me couldn't find my account history at all. Then he claimed that he saw the review and it was still " in progress '' and it would take " a while '' and that he couldn't say how long but there was no point in me checking up on it because they're very busy and have a lot of applications to review. It has now been over six months since I should have had my loans forgiven and I can't get any information from XXXX except that I need to keep waiting.
A few months after Ocwen took over the servicing of our mortgage in early 2012, I began receiving junk mail ( mostly credit card offers ) in the mail almost daily. Ocwen is the only account I have that still includes my ex-husbands name on it, so it was n't hard to figure out who was sharing our information as every letter is address to XXXX us. I opted out by mail AND fax every chance I had when presented with the option, but the junk mail continues to pour in to this day. It 's a terrible waste of resources and needs to stop.
On XX/XX/XXXX, Equifax announced that over 140 million of their customers had had their personal and financial information stolen. They released a site which allowed you to check if you were one of those affected by this breach. Upon checking my status, Equifax informed me that my data was most likely compromised. This is a massive security failure by a company who 's primary service is to maintain and secure extremely important private information.
I have filed no less than four ( 4 ) disputes pertaining to the above-referenced accounts held by the XXXX XXXX XXXX XXXX XXXX XXXX hereinafter XXXX XXXX XXXX ) and the XXXX ( hereinafter XXXX ). TransUnion refuses to conduct an reasonable investigation so as to have this inaccurate information removed from my credit file. Originally, there were XXXX XXXX XXXX XXXX of these accounts reflected in my credit file. After filing a Sworn Fraud Statement of Dispute and providing documentary evidence in support thereof, TransUnion removed XXXX XXXX XXXX XXXX accounts ( i.e. XXXX, XXXX, and XXXX ) and left the remaining XXXX XXXX XXXX ) that I am currently disputing. I have demonstrated to TransUnion that the XXXX, XXXX and the XXXX, has provided false and fraudulent information in stating that, " client agreed to pay for XXXX for legal representation, '' in absence of verification of a verbal and/or written agreement/understanding. After I disputed said accounts based upon a lack of an agreement/understanding between the XXXX and I to pay for legal representation, the XXXX and the XXXX, XXXX then submitted an altered/modified document other than what was previously submitted for verification dated XXXX/XXXX/2016 reflecting, " ... did not have to sign anything in order to receive services. '' This was brought to the attention of TransUnion and yet they allow the XXXX XXXX XXXX XXXX remaining accounts to be reflected in my credit file after they deleted XXXX XXXX XXXX ) by the same account holder who is using the same exact verification and altered documentation. As recently as XXXX/XXXX/2016, I wrote TransUnion seeking to resolve this matter citing how failing to conduct a reasonable investigation violates my rights under the FCRA and that I am and have been adversely affected by having these accounts reflected in my credit file. When I spoke to a TransUnion representative via phone as a follow up to my letter to see how they were seeking to address the matter I was informed that they would not be removing the remaining accounts unless the XXXX XXXX XXXX and the XXXX asked them to and that I should be receiving information in the mail reflecting such.
I foolishly in desperation took a payday loan with an online tribal payday loan company. I borrowed {$500.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$500.00} loan I should have to payback {$570.00}. I have mailed my first payment of {$140.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$430.00}. The payment of nearly {$300.00} per month is excessive, predatory and pure greed. I will pay {$50.00} every two weeks beginning XX/XX/XXXX until the {$430.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.
XXXX, XXXX, and Transunion all showed my name and report as having an account with XXXX XXXX XXXX. Transunion dispute was good and the bad information was removed. XXXX  will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
I had disputed XXXX with this agency in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found this account reporting on my file again. this accounts is outdated, inaccurate, contain incorrect dates and status ' and is not reporting correct payment history. XXXX has no place being on my file. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified these and let them remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove it if they can not honor my request to correct them and show me how they verified it and allowed it to be reported to my file. This account is inaccurate and they are affecting my life very negatively!
I checked all three of my credit reports at the end of XX/XX/XXXX and AFNI collection agency for XXXX was on all three reports. I disputed on all my credit reports because the debt does not belong to me. The debt was deleted off XXXX  and XXXX in XX/XX/XXXX but not off my XXXX credit report. This isn't a debt of {$920.00} which was placed on credit report on XX/XX/XXXX isn't owed by me.
this is the second complaint on the issue first one not resolved an di wont play phone tag any more or have my precious time impacted further or well being Sometime last year pnc deactivated my non profit acount but still charged fees to it. i did not know or receive any notice about fees did not know it was deactivated until XXXX at that time i asked for fees to be waived for 6 months and asked how it was that i was not noticed about all this and how they could take fees while deactivated. Got no notice of stmts and no online access so dont try to send a script that way. In XXXX someone named XXXX XXXX started to call me said she would help me. take fees off. possibly we have never connected and now its XXXX i cant wont spend time chasing her. i am too busy. i demand either the fees be waived or the account closed. the practice of deactivation of an account while still charging service fees I had no way of knowing were being accessed since i did not getstatements and thus could do nothing to avoid it is questionable at best. If pnc refuses to help which i predict then i am done. i will not pay fees esp in light of the above. Some XXXX named XXXX wasted my time in XXXX and said Sorry nothing can be done. I could are less wht he says do the right thing or i am done. you dont handle business this way. I have deposited large grant checks elsehere while this bank has XXXX call me for 3 months me ask her to help and she does nothing NO MORE wasting my time REFUND fees. I aint paying them HOW DARE This be handled with such red tape
XXXX unauthorised charged my Father XXXX XXXX 's Card # XXXX for Refinnce my car at a low rate byOpenRoad Lending who wanted to get credit score on payment of {$1.00} only but they charged on XXXX/XXXX/16 not only {$1.00} but made another {$29.00} ( by XXXX ) as regular monitoring service which was never authorized and was even within 7 days of Free Trial period ( which I did not subscribe ) but XXXX not only refusing to refund but agresively pressurizing by sending repeatedly emails and not even clearly confirming that the service has been cancelled.I suspect it to be Fraud and ID Theft by both XXXX and OpenRoad Lending.The address and contact # ofOpenRoad are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph # XXXX Web : XXXX.MY Father 's card was closed by his Bank XXXX when they placed the transaction under Dispute.
My insurance company paid the bill. The issue is at the time of service they assured me they were in network and if I am in network the insurance company would pay for the entire XXXX If I am out of network they do n't The agent at the desk upon sign in assured me they were in network. This was fraud and misleading as I relied on their statement or I would n't have done the XXXX with them. They have been paid by my insurance company per the negotiated rate I do not owe any amount beyond what they paid if they were in network which I was assured they were at the time of service. I am requesting the debt collector to CEASE their attempts to collect a bill that I did n't not agree to pay.
Re : XXXX and Equifax Dear XXXX and Equifax, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrected and are attached to my profile as a result of crimes that taken place. My name is spelled only one way XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. All other addresses and misspellings of my name are incorrect. You were sent copies of an sworn identity-theft report and identity-theft report filled with the federal trade commission. However, these inaccuracies still remain on the credit report which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspelling of my name prohibit me from verifying my identity with creditors. Lastly, I also sent updated information of my current address which I lived at for 25 years. The following listing in my file are also defamation of character because they are also associated with debts I DO NOT OWE. I am a victim of identity-theft and I am exercising all rights enacted by Congress for consumers victims of financial crimes. If this is not corrected in 15 days. I shall be force to take further legal action. 

Thank you.
I recently refinanced my house with the same lender. The closing date was set at the end of XXXX and I had already sent in my payment for the month of XXXX. As there was to be two months of " skipped '' payments ( notice enclosed ), this would have been XXXX and XXXX with payments beginning XX/XX/XXXX. I called the broker, XXXX, who stated that Sun West Mortgage would catch the error and return the check. When the check was not returned in several weeks ' time, I began inquiries. They acknowledged receipt of the XXXX check, but after that, there is obfuscation only. One individual claimed that the payment was included in the return of the escrow account, which is false ( copy of the escrow balance and the check enclosed ). Enclosed is a copy of the letter which I sent to the CEO ( no name was given in the online information ). I have also enclosed a copy of the " stub '' from the statement for which the XXXX payment was made. I also received an email from a XXXX, Servicing Representative stating that they would provide me with a formal written response by XX/XX/XXXX which did not happen. Documents are in the attached PDF file.
I obtained a payday loan in XXXX from Speedy Cash. My checking account was closed in XX/XX/XXXXdue to someone committing fraud on it. As a result Speedy Cash was unable to collect the debt. A few years went on and I got a call from Speedy Cash as well as XXXX XXXX XXXX XXXX. In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with XXXX XXXX as well as Speedy Cash promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called Speedy Cash 13 times to discuss the removal that was promised. I called XXXX XXXX 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX
On XX/XX/XXXX I contacted Citicards to check the payoff amount of my credit card. It was at that time that i was made aware that two payments i had made with my debit card had not been credited to my account. The Citicard representative then called Citibank via a 3 way call to verify the transactions. The Citibank representative confirmed that two transactions for {$500.00} each were deducted from my account but not credited to my Citicard account. The Citicard rep stated that there was no history of those payments. The Citibank representative advised me that " this could be easily resolved '' all i had to do was dispute those transactions. So i did that day. I was advised that i would receive a response in 7-10 days. And if it rool longer then i would be provided a provisional credit while citibank further completed rhe investugation. On XX/XX/XXXX i called to check the status of my dispute and i was advised at that time that an error had been made and the previous rep opened my dispute in the wrong department. So my dispute would have to be reopened. I was told again that the funds would be returned to my Citibank account. Today when I called I was told that yet again there was another error. And NOW I WOULD HAVE TO WORK THROUGH CITICARDS REGARDING THIS ERROR. Which made no.sense.since they have no evidence that those transactions went through. I need help getting my money back. They are not following there own policies and i recorded every conversation to validate my claim.
I DISPUTED ITEMS ON MY CREDIT REPORT WITH ALL XXXX REPORTING AGENCIES, XXXX, AND EQUIFAX. SENT ALL DISPUTES CERTIFIED MAIL, THEY SIGNED FOR THE DISPUTES ON XXXX XXXX. EQUIFAX NEVER GOT A RESPONSE BACK TO ME AS OF YET, WHICH IS WAY PAST THE 30 DAYS ALLOWED BY THE LAW. ON XXXX XXXX THEY WERE SENT ANOTHER LETTER BY MY ATTORNEY THAT THEY WERE IIN VIOLATION OF THE LAW, AND ACCORDING TO THE LAW THEY MUST REMOVE ALL DEROGITORY ITEMS WE DISPUTED OFF THE CREDIT FILE IMMEDIATELY AND AS OF TODAY THEY HAVE REFUSED TO AND ARE IN VIOLATION OF THE LAW.
unable to file a complaint with Transunion. Online website dispute service indicates to click a link that is not there. I checked browser and settings. Tried 3 computers and a smartphone. Used XXXX, XXXX  and XXXX. Link is not there. Unable to file dispute with transunion.
I have XXXX loan servicers. ACS and XXXX XXXX. I sent them both the same application packet with my pay stubs so they could get a picture of my situation. XXXX XXXX used this information correctly and thus provided me with the correct monthly payment amounts, which I am paying. ( XXXX $ /month ). 

ACS came back with a payment that does not, in any way, reflect my income situation at the time the Income based Repayment plan application was submitted. ( $ XXXX dollars ) This is the second year in a row that I am having this problem with them. Last year it was the same starting point as that of what I am dealing with now and last year, after going through hoops, it ended up being XXXX $ per month. ( Finally, the same as what XXXX XXXX calculated my payment to be for XXXX initially. ). I 'm making a little more money now as reflected in the XXXX payment that I make to XXXX XXXX. But, it 's the same story with ACS for some reason. Why do I never have this problem with XXXX XXXX??? They need to use the same income information that XXXX XXXX used. That is federally mandated! It is the SAME federal repayment program used by XXXX companies and the same exact information was sent to XXXX of them. The only difference was I replaced each company 's name on the fax. 

I should not have to go through this two years in a row. This signaled to me that something is up at ACS and they need to be aired out.
A bill was sent to collection. I was never notified of the bill or collection. They will not remove collection from credit report if paid. My wife and I filled for a mortgage loan with XXXX XXXX XX/XX/XXXX. We followed the credit analysts advice and paid XXXX credit card down. When my credit report came back from re-score there appeared a collection for {$62.00} and change. The collection was from an unpaid final electric bill from my apartment before I moved in with my now wife from XX/XX/XXXX. I never received a final bill nor notification of the debt from the electric company nor the collection agency. Not a phone call nor an email. No form of communication. I offered to pay the debt with out issue if they would send a deletion request to the credit bureaus. Not only was I told this was a violation of the fair credit reporting act I was lectured as if I was some unintelligent criminal and yelled at in very high volume twice by one of their supervisors by simply asking for the deletion. I was informed by my credit analyst that by them telling me that a deletion was against the fair credit reporting act was in fact a violation. I even called all XXXX credit bureaus. A deletion is totally legal and ethical. The collection agency has simply refused to delete the collection for absolutely no reason. I even informed XXXX supervisors including the XXXX that lectured and yelled and insulted me that this collection that I was never notified of in anyway shape or form was the only thing keeping me and my wife from our home. Their refusal to process my request which after my due diligence is totally legal and ethical and in fact happens every day has kept my wife and I from being able to purchase our home. The collection being removed would jump my score upwards of XXXX point well above where we would need to be. I again was never notified in anyway that there was a debt owed nor a collection and I was informed they had the collection since XX/XX/XXXX.
XXXX XXXX XXXX sent me a nonrenewal letter for insurance because they claim I had 3 claims/losses this year. This is not true. I had a roof replaced in XX/XX/2017. Policy of 20 years XXXX XXXX, roof claim XXXX. S3veral other phone inquiries with no. Assigned, but no appraisal report if estimated work or other paperwork or payment. From a business accounting perspective it is not official ir legitimate. Insurance Fraud. 

We only had another roof claim 15 years ago and paid XXXX a month a year premium resulting in no loss best I can calculate. I filed a complaint with insurance commissioner. No response. XXXX XXXX XXXX did not provide detailed records to me. I think this is additional predatory harassment and good ol boy tactic to steal home. Criminal appeal pending in superior XXXX county.
I have both federal and private student loans -- all handled by Navient. When I pay my federal loans, I often make an overpayment for one of the loans online. When you overpay on a federal loan, the computer system asks how you would prefer the extra payment ( if it 's greater than 100 % of the amount due, i.e. if the payment is {$25.00} and you make a {$26.00} payment ). You can either 1 ) extend the due date of the loan or 2 ) make your next payment on time, which means the overpayment is applied to the principal of the loan. This is a great way for people to tackle their loans and decrease the life of the loan overall. When overpaying a private loan, you CAN choose to have the payment applied to the principal by NOT extending the due date, though you have to send in a physical check with a piece of paper detailing how you would like the payment applied. When you attempt to overpay your private loans online, the system ONLY gives you the option of extending the due date, meaning that the additional payment is applied to the bundled interest-principal payment. Not allowing borrowers to apply overpayments towards the principal line ( like one can when overpaying on federal loans ) makes it more difficult for borrowers to more quickly pay off their loans - extending the life of the loan and the amount of interest that borrow is playing.
Navient should allow borrowers to make overpayments for their private loans and apply those overpayments to the principal by not extending the due date of their payment.
Thank you!
Upon losing my job in early XX/XX/XXXX, I contacted XXXX XXXX   to ask for assistance while I was trying to obtain another job. I first submitted loss mitigation paperwork as directed by XX/XX/XXXX in early XX/XX/XXXX. They continued to require one more document after one more document. I continued to call and check on the progress with little to no change. They failed to contact me or keep me informed on any level the only communication came from me contacting them. When they finally accepted the completed packet they had until XX/XX/XXXX to make a decision about how they could best support me. On XX/XX/XXXX they transferred my loan to someone else without making that decision. Now Rushmore loan management company is telling me I have to start this process over. In the meantime each month my credit gets worse and worse. I contacted XXXX in XX/XX/XXXX and told them I had obtained a part-time job and was able to begin making payments. There is still no resolution. I just received a letter Saturday XX/XX/XXXX regarding Rushmore wanting me to submit all my documentation over. I believe XXXX never had any attention of addressing my issue as they knew they were transferring my loan to someone else. I have an FHA loan. It is my understanding that FHA has a forbearance during unemployment where interest is put on hold. XXXX XXXX  never offered this or suggested this solution to me. I just want to know how much to pay for my mortgage so that I can put my house for sale and clear out this debt.
XXXX is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.