WillisBack/dataset-financial-user-claim huggingface dataset:
The system to determine income based repayment eligibility at FedLoan Servicing is not compliant with the law, and the company is aware that their system is non compliant. Their system 's default behavior is to ignore spouse debt load while reporting to the customer otherwise. The result is that borrowers are required to pay more than they are required by law. They are willfully using a system that does not comply with the law and then lying about it to customers. 

I was enrolled in the Income Based Repayment program ( IBR ) using FedLoan Servicing. During my annual renewal in early XX/XX/2016, I was erroneously and repeatedly told that I no longer qualified. Using the online calculator that FedLoan linked, it was clear that FedLoan did not use my spouse 's federal student loan debt load to calculate my eligibility. I contacted them on XX/XX/2016, XX/XX/2016, and XX/XX/2016 to notify them of their error. Referencing the mathematical formula to determine eligibility, I included the line-by-line algebra to clearly demonstrate that I was eligible. On XX/XX/2016, I was reinstated with no explanation of their error. I have archived all of my written communication with them. 

I am seeking an explanation for the initial error, an explanation for the company 's refusal to admit the error, and transparency and assurance that the error will not happen again. I am seeking a direct contact to handle my annual recertification in the future.
I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both XXXX and Transunion on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from XXXX and {$17.00} from Transunion were chargedto my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
XXXX has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
Transunion is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!
This should not be on my report. It is a child support case that is over 20 years ago. I believed that the statue of limitations ran out. I am basing that on the FTC regulations. I have disputed this with the 3 major bureaus. However, it is only reporting on Experian. The account # XXXX XXXX, from the Illinois XXXX. I need this to be removed immediately. It is damaging the character of my credit report. It hard to get credit based on something that does not reflect my credit worthiness. This situation is not accurate and therefore should be dismissed based on the facts.
TD Bank took my whole XXXX check which they claimed I owed them but they gave me no notice of the fact I was overdrawn in overdraft privileges and now my food stamps were cut and I can not afford to give the bank back XXXX as they caused this by sending my bank statement notices to XXXX XXXX XXXX my former lawyer. I told them tochangemy address XXXX XXXX XXXX but I was overdrawn and have these charges due to the bank notnotifyingmeproperly.
I went to the PNC Branch XXXX at XXXX XXXX XXXX in XXXX, AL, at XXXX on XXXX XXXX, 2017. I  intended to deposit to my account a baby shower gift in the form of a personal check for XXXX XXXX dollars, issued by the XXXX XXXX XXXX. The Branch Sales and Service Representative ( name withheld ) was unwilling or unable to provide me with any of the following information : 1. the rate of exchange, 2. the expected date of debit from the creditor 's account, 3. the expected date of credit to my account, 4. the sum total of all applicable fees, 5. an explanation of the purpose of the applicable fees. <P/>I was told nobody at the location could provide me with any of this information, nor was there an off-site representative who I could telephone to obtain this information. I was told this information could be obtained only after surrendering the check for deposit. I have a checking account in good standing with PNC. <P/>Upon returning home I attempted to obtain a valid email address for PNC customer service in order to obtain this information. I was informed by a customer service representative ( @ PNCBank_Help on XXXX at XXXX XXXX - XXXX XXXX 2017 ) that " For security, we are unable to allow emails from 3rd parties. '' After explaining that I was not a third party, but rather a PNC account holder, I still received no valid email address, and was directed to use the " message center online ''. PNC provides a limited messaging service through their online banking portal ; however, it does not allow me to maintain an independent record of communication, requires log-in credentials, and restricts message format. I only wish to send a plain-text email. <P/>I have been unable to find out whether providing any of the above information ( exchange rate, credit/debit dates, fee totals, fee purpose ) is an obligation of the bank. I find it hard to believe that I have no recourse but to hope for the best, instead of making an informed decision whether to offer a check for deposit, or to take it to another financial institution that may offer a better rate. Furthermore, I am surprised that providing a valid email address for correspondence is not an obligation of a financial institution. <P/>Thank you for your time and attention, ( name withheld )
XXXX. My XXXX has XXXX accounts with Regions bank ( checking, debit card, savings ). This complaint is regarding the checking account. Utilizing the online banking interface, each transaction was categorized ( with several custom categories ) and had a memo field inserted to designate the exact purpose of the transaction, which provided the basis for monthly financial statements, budgeting, and tax filings. Regions recently upgraded their online system and stripped all customer entered data, which resulted in the loss of all categorization and memo fields. Current and historical data has been reduced to only the date and amount, all customer entered data has been lost.
I am writing because we were late on are loan and this company started harassing an telling family members they were going to come looking for us and they have been trying to get a hold of us for months. we have never been 30 days past due with this company. Yes we have been late. I actual called do n't know for sure the name but number is XXXX ext XXXX. I told him this was totally uncalled for, that he was lying to family members and I will be making a payment 1st thing in the morning, his response was he would disconnect the call if I did n't verify who I he was talking to. Even thought he returned by call and said am I speaking to XXXX.
I believe CitiMortgage and XXXX/XXXX XXXX  as " alleged Servicers '' engaged in an ilegal transaction carrying my name Back in XX/XX/XXXX/XX/XX/XXXX going beyond their capacity as " SERVICER '' a capacity as the original deed said Belongs only to the OWNER/INVESTOR of the Documents Deed as it states PAGE10 SECTION 18.

Also the amount Transferred or sold its different from the amount when I got the original Documents back in XX/XX/XXXX. I don't know why CITIMORTGAGE made me sign a different amount that the original amount when I got the original Loan Documents it was for $ XXXX  with XXXX XXXX   and Citibank Made me signed with them $ XXXX  as you see the amount differs.

( It could be because my native speaking language is XXXX and I didn't realized what I was signing back in XX/XX/XXXX, It could be I was taking advantage because I don't fully or understand English ) .I found the original documents I found this information related it to. This complaint inquire is related with the other 2, I filled against the Alleged Servicer XXXX/XXXX XXXX   XXXX  and XXXX.

So when I sent it CitiMortgage a QWR they couldn't validate the correct amount of the debt in this Mortgage account.

I'm attaching the proper documentation because I believe I paid from XX/XX/XXXX  up to XX/XX/XXXX more money for an amount it differs from the ORIGINAL DEED.

I would like the CFPB regulators look into this matter because to me its no right This its UNJUST ENRICHMENT as the other alleged servicer said they cant not provide information where my money its going, they just said the Investor is XXXX XXXX
Following a recent review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I learned that XXXX XXXX XXXX was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.
Nation Star Mortgage will not report my payment to all XXXX credit agencies every since my loan was transferred in XXXX they started reporting NO ACTIVETY in XX/XX/XXXX after I got a XXXX modification this has effected my credit scores badly. I have made all payment on time never late according to the contract. 
Nation Star is reporting the original loan amount on my credit report as being XXXX when in fact the amount was XXXX is the number I 'll go with be all my paper trail from XXXX say something different. Even with my modification the loan amount was XXXX ( the new principal blance ). they always have a bunch of lies to tell when you speak to someone that 's you know with common since is not correct. 
Nation Star is also still charging me XXXX a month PMI I been paying this 10 years now. they want take it off because they said I do n't meet the LVT and I need to pay XXXX more dollars on my balance.
THIS COMPLAINT REPLACES Case number : XXXX : Credit bureau keeps reporting inaccuracies related to XXXX XXXX XXXX XXXX XXXX XXXX tradelines. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.
I 've tried to access my report to no avail. I '' ve also tried to dispute. Each time these have been tried the computer pages just loop back and forth and there are no options to continue. Phone calls just go to a very long wait time that never gets answered. They sent me a report in the mail but no access to see it again online or disputed wrong items are available and they do not answer or respond. They 've made this difficult on purpose to not have to do anything they 're supposed to be bound by law to do. This is fraud at it 's finest. It always reverts back to a page to pay them for the info. or dispute. Can you say extortion along with fraud? Why is this allowed? Why can any company make a report to anyone 's credit and give whatever info. they want, but for us to dispute that defamation is not only almost impossible, but they the bureau 's want proof and personal info. none of their business to supposedly confirm ID? No ID to file a report, but ID to fix it ... ..something is bassackwards here ... ... .then next to impossible to even try to fix fraud and correct the info ... .oh my ....
In XXXX, I changed employment and called American Express to cancel a business card associated with my social security number that I was obligated to pay. The employee I spoke with at American Express convinced me not to cancel the card, but rather to " freeze '' the card, assuring me no future charges could ever be made against that card. In XXXX, I get a notification that charge for {$1000.00} was posted to my " frozen '' credit card. I called American Express customer service to inquire how a charge could be posted to my account after it had been frozen. They told me cards can not be frozen and that I would be responsible for the charge despite them having told me that no charges could be made on the card. Their supervisor even went so far as to say they may not be able to retrieve the recorded phone call wherein American Express communicated that the card would be frozen and no future charges could be made against the card - convenient. It appears to me that American Express is trying to retain customers at the customers expense and against the customer 's wishes.
I have an XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware. My XX/XX/XXXX statement balance was {$2300.00}. I mailed in payment and payment stub to the XXXX, GA address listed on the payment stub around XX/XX/XXXX. Based on the endorsement stamp on the back of the check and my bank records, the check was received and deposited by Barclays on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. To date the {$2300.00} payment has not been applied to my account. I checked my statement online on XX/XX/XXXX and noticed the issue. I used the online messaging system to alert XXXX XXXX XXXX XXXX to the issue. I never received a reply to that message and any trace of that initial contact has been removed from my online account records. I called on Monday, XX/XX/XXXX, and spoke to a customer service representative. She requested that I fax confirmation of payment so that the Payment Research Department could investigate the issue. I sent the fax to the number I was given, ( XXXX ) XXXX at XXXX XXXX CST on Monday, XX/XX/XXXX. The fax machine report indicated that the fax was transmitted successfully. I have placed calls to customer service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have talked to three different customer service reps and one supervisor. None of them have been able to tell me anything about the status of the investigation other than " it will take 2-3 business days to complete. '' I have been repeatedly told that it is impossible for me to speak to someone in the " back-office '' or Payment Research Department about the issue. On XX/XX/XXXX, the supervisor I spoke with seemed to indicate that even the customer service department could not contact the Payment Research Department on my behalf. The supervisor could not even confirm if the fax I sent on Monday, XX/XX/XXXX have been received. The endorsement on the back on my check for {$2300.00}, which cleared the bank on XX/XX/XXXX, is from Barclays Bank, the issuer of the XXXX XXXX XXXX XXXX.
i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Experian credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX military XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.
I have student loans thru Navient for XXXX XXXX education. I have fed loans, dept of ed loans, and two private loans. Every month i have had problems with Navient incorrectly allocating my payments and every month they send me letters saying my payments are late, late fees are being applied and my credit score may be affected. I call every month to have this corrected because all my payments are on time. I have never been late in payments. Payments are sent to the correct mailing address and clearly have the correct account numbers on the checks. Normally they correct it once they find their error but this time it was not corrected. I can not get an answer to fix this ongoing problem. I have called since end of XX/XX/XXXX to fix this. No one luck.
XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported.
XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
I have been negatively affected by the information Equifax has in my file. The information has not been updated in over 6 years. Accounts missing and old accounts that have been paid in full and closed are still showing. I was just denied credit due to Insufficient Credit References. I have over a dozen active accounts that are all current and have never missed any payments or even been late. This has been a problem for years with Equifax and the last time I spoke with them, they stated that if the creditors dont report, they can not update. How is that right, when XXXX  and XXXX  seem to keep up with my accounts. This is ridiculous.
I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX Transunion : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX
I noticed on my credit report that a medical was on there XXXX, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have XXXX medicals for the same debt. They have duplicate trade lines. I have asked XXXX and Equifax to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the XXXX unpaid XXXX XXXX are the same account : open date the same, amount the same, day of delinquency the same.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
On XXXX we made an offer on a short sale in XXXX, FL. OnXX/XX/XXXX I contacted XXXX/Finance of America concerning mortgage. Throughout the months ofXX/XX/XXXX, XXXX andXX/XX/XXXX we provided requested documentation to lender, some multiple times. Lender received notification short sale was most likely a go and wanted to close on XX/XX/XXXX. Loan Processor, agreed to the closing date. On XX/XX/XXXX we received notification the short sale had been approved. We submitted termite inspection, home and flood insurance proof ( an estimate of this cost was submitted in mid-XX/XX/XXXX ), soon after we had final approval of the short sale and was aware of the closing date.XX/XX/XXXX came and went with no closing, we finally closed onXX/XX/XXXXand assessed a late fee of {$2200.00}. We did open a credit account at XXXX 's for {$2000.00} for purchase of a washer and dryer onXX/XX/XXXX. 
I am attaching correspondence we have had with Finance of America and emails between the closing agent and Finance of America
Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX
The inquiry on my credit on XX/XX/2018 and XX/XX/2018 regarding the purchase of a home. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.
XX/XX/XXXX I graduated from from XXXX XXXX College in XXXX, XXXX not knowing their accreditation was in jeopardy and the school overcharged my loans for payment. I then was contacted by a lawyer because other students was suing XXXX XXXX for being overcharged, accreditation issues, and everyone was having problems with gaining employment when they promised to give students assistance with job counselor for employment but never gained employment! Then the school got closed down immediately after I graduated. I was supposed to receive loan forgiveness because the school got closed down and they got sued from XXXX Attorney General. Navient denied me forgiveness & demanded I payed even though I still was in hardship due to employment. I ended up in default and my credit was destroyed and eventually I got garnishment when I did start working. The situation caused me to be lose my house and car! I was then XXXX with my XXXX kids! Im just now getting out of default and school loan amount went from XXXX to XXXX. I've been trying contact XXXX  Attorney General about the lawsuit because this situation ruined my life and hopes and dreams. The Attorney supposedly sued on behalf of students that from this school and won the lawsuit. Since the lawsuit back in XXXX I have relocated to live with my mother in XXXX with my kids! I've been trying to get help with my situation because the school got closed and was sued!
I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an Experian issue and they need to update their records.
I was notified by Equifax that my personal information was lost due to their data breach. This company needs to reimburse me for the charges they 've charged me for credit monitoring -- the reimbursement should include at least the period back to the date of the breach. Attempts to contact this company via phone are impossible -- they do not answer or the linese are busy. Emails are not replied to. Please help.
Company calls me at least 6-10 times daily. Try 's to bully me to return jewelry every time I talk to them so they can resell. I would be willing to return except they took my " paid in full jewelry '' as a trade in at half its value, they would only reduce my debt up to what they felt the value of the returned items are and I would still owe them a large balance. So this company would have all my payments made, my paid in full jewelry they said I forfeited, the new items I purchased and I would still be making payments with full interest to them for the " balance ''. They refused flat out to work with me on reducing the interest or payments for more than a few months. They have called my family members now " looking for me ''. This company is a legal loan shark type company. They harass you until you give in, all I want from them is to work with me and reduce my payments by {$50.00}. Instead they are racking up late fees, maxed out interest rates, and building the amount I owe to a staggering number, until I have nothing left but to give in. Its feels like as if they are above the law. They said they would only work with debt consolidation once when I talked to them, however they would n't work with me directly, I need to be financially ruined or in bankruptcy, instead they use bullying tactics and harassing calls non stop. Calling my family today was the last straw.
This account is not being reported on my XXXX & XXXX credit reports and it 's affecting my credit.