WillisBack/dataset-financial-user-claim huggingface dataset:
I am a teacher trying to qualify for Public Service Loan Forgiveness. XXXX XXXX promised to me on or about XX/XX/XXXX that by participating in the graduated payment plan, which ultimately required me to pay more money per month, that I would achieve loan forgiveness no later than XX/XX/XXXX. Additionally, XXXX XXXX  placed a deferment on my loans when I did not request a deferment orally or in writing. Subsequent to that discussion, my loan servicing company, XXXX XXXX, was replaced with XXXX. Once XXXX took over the servicing obligations, I was told that XXXX XXXX gave incorrect advice and that XXXX would not honor the agreement entered into by XXXX XXXX, to wit : that by entering into the graduated payment plan, and paying more money per month than I would have otherwise, I would receive loan forgiveness by XX/XX/XXXX. 
Due to XXXX XXXX dishonesty and misleading conduct, and due to XXXX refusal to honor an agreement made regarding my loan, I have suffered the following harm : 1. I was deceived and coerced into making a higher monthly payment than I would have otherwise been required to make ; and 2. My loan forgiveness date was extended by at least 5 years, which means I am now making a higher monthly payment for a longer period of time ; and 3. I have had to seek the advice of counsel to address this issue, which has caused me to incur out of pocket expenses that but for the deceitful conduct of XXXX XXXX and XXXX, I would not have occurred. 

In short, I have made 120 payments that should have been qualifying, and I am now being told that half of my payments did not count for various reasons. Whenever I speak with XXXX customer service, they tell me that I am correct, and they do not know why I am not getting credit for most of the payments, but they are still not correcting the issue. They are now telling me that it takes up to a year to investigate these problems, when I should already have my loans cancelled in a couple of weeks. I have asked for these issues to be resolved several times a year for the past 5 years, but they have not been addressed. In fact, some of my loans are expected to take LONGER to repay, even though I have continued making on-time payments. When I sent them the above letter asking them to honor the loan forgiveness I was promised, the responded by sending me a list of my loans and their interest rates, which clearly did not address the issue.
An international wire payment of XXXX {$240.00} ( Reference Number : XXXX ) was sent on XXXX XXXX, XXXX, through XXXX Bank, XXXX, XXXX to credit : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, against their proforma invoice # XXXX dated XXXX XXXX XXXX. 
through their Bank : XXXX XXXX Bank, NA XXXX XXXX XXXX XXXX, IL XXXX A Wire fee of XXXX XXXX was paid in addition to the XXXX {$240.00} payment. 
XXXX XXXX Bank deducted a further XXXX {$20.00} from the vendor, which was then billed to us by XXXX XXXX Invoice # : XXXX dated XXXX XXXX XXXX for XXXX {$30.00} )
sent XXXX the police report the information that was not mine on a dispute they are not trying to help in anyway even tho it was their security breach that cause all these damages ... now my XXXX XXXX   is missed up with my experian cra violation must remove inaccurate information they have cause my family thousand in dollars in time trying to fix this issue missing work and missing opportunity from a job b/c of my credit situation with inaccurate information ...
My husband and I sent a request to Equifax XX/XX/XXXX, requesting that they investigate errors on our credit report. A few weeks ago, we had to file a complaint with your organization because they took well over 30 days to respond. Equifax recently responded with the results of my husband 's investigation, but I have yet to receive anything from them. It has been two and a half months now, since we sent our original request.
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XX/XX/17-Paid {$400.00} Paid to have bad debt removed off my credit and they did n't do so
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX/RESURGENT CAPITAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX  XXXX/RESURGENT CAPITAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
I was forced to sign documents I did n't understand while I was attending XXXX XXXX XXXX. This happened monthly, during my periods of class time. I was told if I did n't sign these papers, then I could n't return to class or finish my studies with them. This happened often while I attended there. Now I 'm hounded day and night by private loans. I ca n't afford this, I also ca n't use my degree. I 've been swindled ...
I bank with chase, checking account since 2010. About 3 months ago I was charge a NSF for a transaction I made a few hours Pryor to my direct deposit posting, which they post the same day. The CSR explained that he was unable to credit me back the NSF charge. So, I advise the CSR to take off that option for overdraft protection. He stated that he will remove and said that if funds are not available any charges I 'd make will be declined. I agreed to that. Well here I am 3 months later ... .made some transactions and went to check my account on payday I was charged XXXX NSF of XXXX each ... .My mouth dropped. I called chase bank and explained that I spoke with a rep 3 months ago to have over draft taken off. The CSR stated that It was n't off and she can not credit my money back. She said she will forward the information to her manger and they will review the call and give me a call back. Well its been 2 weeks, still waiting on the call and my money. What are my other options?
I have a TJ Maxx credit card and every single time I check my account online it makes me change my password. I put in my user name, confirm the picture used as another security benefit, enter my password and after all of these are completed. It makes me answer security questions, enter my credit card number, and lastly, change my password which can not be a previous password. I check my account from several computers/mobile devices and do not always have the card with me. When I go to pay my bill, I am denied access because I dont have my card/account # and denied because my password is incorrect. Which have subsequently caused me late charges on more than one occasion.I have called and sent messages to the company ( and synchrony bank ). I am now paid in full and trying to cancel my account and realized again, my credit card is at home. I have entered the correct password, confirmed photo pin, username and security question ( I know this because If i enter an incorrect password/username/answer it doesnt alow me to continue to the next screen ). But can not close my account which has now put me in a fit of anger to send this complaint. I am to blame for the small mistake of not having my card on me at all times, but that is a little insane to have me jump through XXXX different security obstacles and still be denied. I am not seeking monetary reimbursement for late fees but anything that looks negative on my credit report I would like reviewed and changed
SABATINA & ASSOC PC Hello. 

Please see attached. 
RE : Acct/Ticket # XXXX I dispute this alleged debt of {$96.00} from early XX/XX/XXXX. 

Please confirm receipt and take action. I do not owe this alleged debt from XX/XX/XXXX, nearly six ( 6 ) years ago. 

Any other attempts to collect debt is a violation of FDCPA. 

- XXXX XXXX RE : Acct/Ticket # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Public Information Attorney ID : XXXX Current Status : Active Date of Admission : XX/XX/XXXX Law Firm : Other Organization : Address : SABATINA & ASSOC PCXXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX Pennsylvania XXXX
All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, XXXX  ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a emergency room visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an emergency room visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have killed my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX
I applied to LOAN DEPOT in California for a cash out refinance. I submitted all of the documents that were requested including social security numbers and credit checks. They proceeded on that basis. They went on to charge me {$370.00} for an appraisal. They offered a loan that subsequently they could not make work. It was an ARM that that subsequently went up in interest beyond my capability. I went to another lender and requested that LOAN DEPOT transfer my appraisal to the other lender. LOAN DEPOT has refused to transfer the appraisal. LOAN DEPOT tells me that it is not an FHA or VA loan and they are not required to transfer. I am left with no other alternative than to request a new appraisal from my new lender.
Navient has bee n reporting late on my credit every month for the last 6 months  XXXX . I have not been late, I have been making a payment monthly, per our consolidation agreement. It has now been paid off through the program I was on but the late payments are still reporting. They told me multiple times they would be deleted because I have been making payments. I did as I was advised to do and I assumed you would follow through with your end. This is seriously affecting my credit as I have a f ew Navient loans repo rting and all of them have late payments.
my ex-husband let our house get foreclosed during our divorce XXXX years ago. I have worked hard to repair my finances and have improved my credit. the foreclosure has timed out on all of my credit reports, but I continue to be denied credit, it is always because of lexis nexis report- they should not be allowed to do an end run around state and federally mandated consumer protections. I have alerted them and requested that they remove it to no avail. I have opted out of their sharing my information-to no avail. I am ready to enlist the help of legal council to great personal expense. I thought I would first see if someone can just get them to do what is right
On two occasions, Wells Fargo intentionally ignored a wire transfer amendment from my issuing bank to my Wells Fargo ( XXXX XXXX, MN ) checking account, countered that they can not amend the wire transfer because they do not have the funds, but actually had the funds and withheld those funds from our checking account for two weeks, and then resent the funds back to the issuing bank minus a {$25.00} fee. Subsequently, I had to rewire those funds to my Wells Fargo account, and pay a whole new set of fees. 

This Wells Fargo scam of ignoring wire transfer amendments and blatantly lying about holding funds, all just to overcharge clients with multiple fees is just plain wrong. I have documented proof that Wells Fargo lied about the funds whereabouts and were withholding funds, all in an effort to avoid a simple wire transfer amendment, in order to steal from me ( either by ripping me off on fees, or possibly taking the whole {$1500.00} if I never insistently claimed to get the money back ). Shame on them. 

I tried to be reasonable, and only seek reimbursement for the fees charged after the blocking of the wire amendment/withholding of the funds. I did not seek damages for initial wire transfer fees, my time and frustrated efforts, or for the harm my son suffered for only having {$120.00} to live on for two weeks while Wells Fargo was withholding our funds. These fees in which I sought reimbursement were as follows : 1 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again 2 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again. 

For the XXXX XXXX period, I had already deleted my email to XXXX XXXX of the XXXX XXXX branch requesting a refund of inappropriate fees. But will provide documentation if needed. Relatedly, I can provide original documents for each of the fees from XXXX and Wells Fargo from XXXX XXXX and XXXX XXXX upon request. 

Thus, I claimed {$140.00}. Wells Fargo not only refused, except for possibly {$16.00}. But stopped corresponding and would not return my calls, hoping that I would forget about it. Well, I am not going away, and would like you to help me to make them pay.
I SENT EXPERIAN SUPPORTING DOCUMENTS IN REFRENCE TO COLLECTION AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX THAT IS NOT LICSENSED NOR BONDED IN THE STATE OF FLORIDA WHICH IS A VIOLATION PER FLORIDA OFFICE OF REGULATION AND ADVISED THEM TO DELTE IMMEDIATELY
XX/XX/2017 Residential Home Mortgage processed a hard inquiry on all three credit bureau agencies XXXX XXXX and XXXX reports without my concent in violation of the Fair Credit Reporting Act.
I purchased a XX/XX/XXXX XXXX XXXX XX/XX/XXXX financed by Ally XXXX and directly setup auto pay through the website to ensure that not only was my payment on time, but I was paying extra every month with the intention of paying the principal down, and paying the loan off early. After 4 months I realized that my extra payments were n't being applied to the loans principle amount so I called. Then I was informed that this " could not be done automatically '' in any way, shape, or form. I was told that if I wanted the extra paid to principle then I would have to phone them every single month and literally demand that extra be applied to the principal. It is there policy to apply that payment " forward '' to a time that doesn'teven exist yet, so as to maintain the " status quo, '' and not lose a single penny in interest that would have accrued on the principle loan amount. This policy of forcing customers to call every single month to have that extra money applied to the principal is, in effect a firm of bullying and harassing their customers into just giving up and letting them charge interest on money that was already paid them! 
I can provide documents showing how my payments were paid in advance, and applied to periods of time that do n't even exist.. yet!
Wells Fargo bank advertised opening an online account with a {$250.00} promotion. I completed the online process. Then I received an email directing me to the branch in order to complete the process. When I went to the branch, they told me that they could open the account but not apply the {$250.00} promotional to the account. I feel like this was a bait and switch.
I was the victim of identity theft and endorsements, contracts, accounts, etc., were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with Kay Jewelers. I have NOT received benefit or value from the proceeds of the endorsement XXXX XXXX ), contract XXXX XXXX ), application XXXX XXXX ) and or the Kay Jewelers account XXXX XXXX ) directly or indirectly. All information pertaining this matter was given voluntarily for the purpose of establishing the fact of signature forgery and identity theft, in addition to blocking the information from my credit report, pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. Kay Jewelers continues to report an account I did NOT open and/or authorize. Possible endorsements were made using my correct personal identifiable information that were stolen and or lost. Additionally this matter was reported to the FTC and local authorities.
The purpose of this letter is to inform you that I disputing my debt with Ability Recovery Services XXXX LLC of {$2000.00}. The debt that I owe originated from XXXX University XXXX " the School '' ). The reason why I am disputing this debt is because my outstanding debt to the school is {$1600.00}. However, upon receiving a collection notice from the Ability Recovery Services XXXX LLC ( " the Company '' XXXX, the outstanding debt increased by {$400.00}. 

On XXXX XXXX, 2015, I spoke to XXXX XXXX XXXX a representative of the Company to request the actual amount I owe to the School. During my conversation with XXXX XXXX, I informed her that the collection amount sent to me was incorrect and that I was told by the School to ask them how much they were charging me over and above my outstanding debt. XXXX XXXX 's response was that her company was not going to disclose that information as I did not have a need to know about my outstanding debt and that the Company had a right to profit off of me. After writing the attached letter to the Company on XXXX XXXX, I received an Account History Report from the Company on XXXX XXXX, which I have included. 

There are few issues that I would like investigated. The reason for the investigation is that I believe the Company is conducting an unethical business. 

The XXXX item I would like you to investigate is the excess charge of {$400.00} over and above my outstanding debt with the School. The XXXX issue deals with the threats and harassment by XXXX XXXX. XXXX XXXX became threating and started harassing me during the conversation in which she told me it did not matter that I was working with the School as they were going to report my outstanding debt to the credit bureau regardless of the efforts I was taking to address my debt. At that point, I asked to speak to a manager and was not allowed to do so. In fact, XXXX XXXX told me that was not going to talk to me and that they had no reason to do so. She proceeded to hang up the phone on me. 

In closing, I am still striving to work with the School to see if we can settle my outstanding debt and set up payment arrangements.
My wife and I have a Sears credit card issued by Citibank, my wife is the main user on the account. We purchased a washer and dryer on an interest free finance option over 1 year and paid it off ahead of time. The minute we paid off the Sears balance, Citibank started calling our home phone number claiming I owed them money. 

We have told them many times we do n't owe them anything and asked them to not call our house again to no avail. I went to a local branch of Citibank and explained the situation and a representative from the bank told me they do n't handle Sears accounts but called the number Sears gave me to call while I was there. I spoke with a person by the name of XXXX, who would n't give me her last name ; I gave her the last XXXX digits of my social security number and she verified I do n't owe them anything, that the information they had was for another person and they would remove my home phone number from their calling list. 

They have continued calling me on daily basis, sometimes several times a day. They have been told over and over to not call again but they choose to not believe us and continue calling. I have excellent credit and I am a responsible person. The people calling speak XXXX. Their most recent call was at XXXX XXXX this morning, XXXX/XXXX/15 from XXXX, they call every day of the week at all times, sometimes they call from numbers not identified as Citibank. My wife answered the phone this morning and advised the woman calling, who did not identify herself, to not call our house again, that I had gone to the local branch of Citibank and contacted them to clear this, that they are calling the wrong person and we were going to report them. She said she would remove our number from their calling list, hopefully there will be an end to their calls.
I have a mortgage with HarborOne Mortgage that includes a PMI. I met the loan to value requirement in XX/XX/2018. On XX/XX/2018 I sent them a letter asking that they remove the PMI. I paid extra on my principal to ensure i met the 80 % LTV. I did hear back from the company, so i emailed them on XX/XX/2018 with an inquiry about the status of my PMI. I received a bounce back response that they would investigate and get back to me in 5 business days. As of XX/XX/2018 i have not heard from the mortgage company. I have tried to call their office, but the number does not allow for access to a customer service representative. I emailed again this evening, but do not anticipate a response to my issue. The reference / ticket number they assigned is XXXX. 
I have been timely in my payments, never late, and the value of the property has increased. There is no reason that they do not cancel my PMI. Their website says the request needs to be made in writing, which I did on XX/XX/XXXX. 
Please help me get a response to this issue. 

Thank you XXXX XXXX
The debt, XXXX account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than XXXX occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. XXXX was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.