WillisBack/dataset-financial-user-claim huggingface dataset:
I do not feel the company has responded within a reasonable time frame. It has been 135 days since they have made a commitment that they have yet to honor. 
Please see previously closed complaint # XXXX. Attached to that complaint is the company 's statement on XX/XX/XXXX. It states the following in paragraph 5 line 5 : " When we receive a completed ECF indicating that you are maintaining qualifying employment, a letter updating the total number of qualifying payments you have made towards loan forgiveness under the PSLF program will be sent. '' I submitted the ECF as requested and their response followed on XX/XX/XXXX ( attached in full below ) stating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. 
After we calculate the number of qualifying payments you have made, keeping track of your progression toward PSLF is easy. 


They have done nothing since then. As stated above, it has been 135 days and i feel that i am being forgotten intentionally. I know that these payments can be backdated, but i feel this is a diversionary tactic used to keep me from receiving qualifying credit for my payments until another dirty tactic can be used to disqualify me altogether.
TD Bank Routing # XXXX Acct # XXXX On XXXX/XXXX/2015, I withdrew XXXX debit tranactions through my above mention checking account. 
I first with drew {$5.00}, and then {$20.00} and remained with a postive balance. After the XXXX prior withdrawals I withdrew {$120.00} putting the account in overdraft for about {$88.00}. If TD bank did correct accounting my balance would have been - {$88.00} plus - {$35.00} according to the time stamp of the XXXX XXXX tranactions. Speaking to the customer service manager who refused to give her fullo name Employee # XXXX informed me that when balancing they go by the largest amount first and thats why I was charged withb overdraft XXXX times. I informed XXXX that this is illegal and charging thousands of customers everyday that XXXX bank is being " UNJUSTLY ENRICHED and this is ENCHEATMENT ''. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ( h ) XXXX XXXXXXXXXXXX
I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and   XXXX   credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from CREDCO  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The  debt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
this company has made several threats of harm to my bodily well being has threatened to beat up my ex husbands boss come to my home and kick the door down tried to break in my garage and i dont even have the vehicle i was just a cosigner on it
For the past two years, I have been receiving calls for years about a debt that I do not owe. This debt is an online cash advance. After confirming that I do not know about this debt, they perceive to continue to call me and even contacted my husband through text about this debt. I have asked for documents and was told that I had received documents back in XXXX. However, I can not get anyone to give me documents or a contract for this loan. In the month of XX/XX/XXXX, I have been left with messages stating there will be court documents sent to my home and work location and my wages will be garnish. Today XX/XX/XXXX, I called XXXX and ask for them to proceed with their court threats because I do not owe anyone. I also asked for their name and was told " XXXX XXXX. '' In addition, I was told that I owe this company over {$800.00}. This company had the last digits of my social security and the name of the bank. I was given options to settle out of court. I then asked for the original creditor 's name and was told " XXXX XXXX. '' I proceed to look up these names through the web and found extremely negative information such as " scammers. '' After being harassed for years, I need to know what is going on!
My credit card was canceled and all my XXXX points got forfeited. I earned the points through more than 3 years business with CitiBank and I was saving them for my next family vacation.
I sent {$100.00} via XOOM which has not been paid yet the below receipt copy says that it has. 

De : Xoom Order Status Team XXXX XXXXXXXXXXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX p. m. 
XXXX : XXXXXXXXXXXX : Money Transfer Completed XXXX - Global Money TransferYour recent money transfer to XXXX XXXX XXXX XXXX has been completed and has been successfully picked up. 
XXXXAs a reminder, here are some details of your transfer : Xoom Tracking Number : XXXXSent to : XXXX XXXX XXXX XXXX XXXX : XXXX USDTo view the current status of your transaction, visit Track your transactionFor Customer Service , visit our Help Center or call XXXX ( XXXX ) or XXXX ( XXXX ) Transaction status email is automatically generated. If you reply to this email, we will not be able to read your response. Please do not reply directly to this email. If you need help, please contact our Customer Service department. 

About Us | User Agreement | Privacy Policy | Security | Site MapCopyright ( C ) XX/XX/XXXX-XX/XX/XXXX XXXX XXXX. All rights reserved.
On XXXX XXXX 2016 at XXXX., I realized a transaction for XXXX went through on my account causing it to go negative even though I did not authorize the transaction. I called Chase immediately and advised of the situation. I spoke to a representative named XXXX who assured me that he placed a stop payment on XXXX and that the funds will not be removed from my account. When I woke up on XXXX XXXX 2016 and checked my account, I noticed that the funds had actually cleared the account after I was promised that they would not and my account was still in negative. I called and spoke with another representative at XXXX who told me that there was nothing that could be done but to submit a dispute form that could take 7 to 10 business days to get my money back. I then asked to speak with somebody else that was higher in order to find a resolution. I spoke with another representative named XXXX who said she was a senior account representative, you also told me that there was nothing that could be done other than for me to go to a branch and submit a dispute form. I feel as though all of the work has been left on me to correct a problem that should have never even occurred because I did everything I was supposed to do as a consumer. I am very emotionally distraught as I write this because as I explained to them with my accountant native because of a transaction that was n't even supposed to go through that I have to wait 7 to 10 business days to be refunded for I do n't have enough money to put gas in my car or buy food for my kids or myself. And this is a huge concern, because it never should have happened in the first place. In addition, when I explained my situation and advise the senior representative XXXX that I only have enough gas to make it to the gas station all she could tell me to do was to swipe my debit card and hope it goes through. If it does n't go through then I would be stranded at a gas station. She also told me to try to swipe it to buy food for my children and hope it goes through. If it does n't go through, I 'm left looking like a fool at the grocery store with a cart of groceries that I ca n't even pay for even though I should because the money should be available in my account. This is emotionally affecting me because I 've always been able to provide for my children and I 've always done stuff the right way. And because of Chase and their representatives for the first time and not sure if I 'm going to be able to buy food for my children because of a mistake that they made on their behalf that they ca n't correct without me doing all the leg work.
We were trying for a year and a half to have the Lender and the investor to review our short sale request. We submit and offer that is Fair Market price but this Lender and special a woman by the name XXXX XXXX  from XXXX XXXX was doing everything in her power to delay the process despite of our daily inquires. We had to file for Bk twice already in order to postpone the upending foreclosure. We were denied by this woman to know the name of the actual investor of the mortgage loan. And when we called XXXX  we were entangled in the lender 's net with no one there to answer our questions.

The Deed of Trust we signed when we purchase the property allows to apply for a loss mitigation and XXXX XXXX is denying this right. XXXX  is a subcontractor, just the servicer of the loan only, not the actual lender itself.

We need the Investor to see our short sale offer and make a decision.
On XX/XX/XXXX an Inquiry appeared on my XXXX  XXXX  an Equifax credit report which I disputed right away after receiving an alert from my XXXX Credit Monitoring service. It was from XXXX, I do not know what this is and I disputed it right away on XX/XX/XXXX with all three credit bureaus. XXXX  and XXXX  promptly removed the Inquiry but for some reason Equifax did not! It has been removed frrom XXXX and XXXX 2 days later but Equifax for some reason does not wish to remove it. I made a report and attached it but still appears on my credit which lowered my score by 12 points on Equifax only. I do not know what this Company is at first I was told it was XXXX XXXX so I called them and THEY HAVE NO RECORD OF THIS. Please remove this inquiry immediately, I did not and will not apply and have no knowledge of how this happend. At the time I had a freeze on my credit because I was party of the data leak. Remove the inquiry from XXXX from XX/XX/XXXX its not mine and should not have even been allowed to appear since my Credit Reports are locked!!! Thank you please help me with Equifax.
I file bankruptcy XX/XX/2018 and XXXX, experian is still reporting the creditors and past due instead of removing them on my credit report
discover card said I have to pay for a order I did not place XXXX. XXXX never sent out the furniture. discover card rep told me this. the furniture order was not in my name nor was it going to be delivered to my address. I do not have any authorize users on my accountdiscover card final decision was that I placed the order. XXXX has the furniture and {$1000.00} discover card paid them I explain to discover card that im XXXX years old and do not know too much about the internet I do have people that come to my house to help me with everyday living that has access to my personal information. I explain to discover card I did not give any one permission to use my card I also told XXXX when they called me I did not place an order. that should have been the end of it. because XXXX still had the furniture the order did have my billing address correct, phone and email correct. my name was not on the order and the delivery address was not my addressI have never charged anything on my discover card since I opened the account. there was no reason for me to look at my statement every month because I did n't charge anything on my discover card I tried to make out a police report but they theres nothing they can do because the furniture was never delivered
Credit cards were charged off.companies that purchase written off charges buy old dedits sue me for loans I did not take with them.
There are more reasons then the one listed above for four years I have tried to be patient spending hundreds and hundreds of my hours of my life keeping in contact with all debit collectors, If XXXX XXXX credit card was right then why do I not have signed account form for the card they claim is unsecured, I never had an unsecured card with them, only secured so for four years you have illegaly allowed them to put a false account on my report as well as all the other issues. I only should have XXXX credit card, XXXX credit card, only XXXX things in collections XXXX, and XXXX and XXXX XXXX, that is not, not one other thing. Enclosed you will find letters I sent you registered and certified as well as XXXX XXXX and other companies telling them to prove it and havent. For over four years I have a huge paper trail, phone, fax to all creditors, debt collectos and credit reporting companies proving not only was idenity theft part of this, but the companies are wrong, like the other letter enclosed here, I told all of you XXXX, XXXX XXXX in association with XXXX, both of which you allied on my credit, I told you time and time again, and them over and over XXXX was wrong. I enclosed a letter in XXXX where XXXX tried to tell me I was wrong, but once I sent that letter to XXXX credit companies in XXXX 2016 saying I Was gon na sue, and credit companies contacted XXXX - XXXX all of a sudden a change of heart was made and look at letter XXXX 2016 where they admit XXXX made a mistake and a recall. For FOUR years you allowed this company on my credit. I am going to media and I am already meeting with lawyers, TRANSUNION, XXXX and XXXX, I have not received your {$5000.00} checks for breaking FCRA regulations. If you cant see I was going easy on you with all issues, I do n't know what telll you, If the checks ffrom all XXXX credit reporting companies for {$5000.00} and the issues not fixed, it will be hands of lawyers, attorney general and FTC down the line.
hi, The This complaint is credit reporting agency " EXPERIAN '' they are reporting Bankruptcy on my credit report which is inaccurate it should been removed, The other credit reporting Agency 's XXXX and XXXX XXXX deleted the " BANKRUPTCY '' Why not Experian does the same thing, also want to remove my personal statement on Expierian report i want to remove it also experian drop my credit score for no reason from XXXX to XXXX which is not fair, i do n't know why is experian treating me like this, i think is my name because i am XXXX othe wise there is no reason the way they are treating me like this XXXX XXXX
MY NAME IS XXXX XXXX ON OR ABOUT XXXX OF 2012 A CHECK LOOKED TO BE DEPOSITED INTO MY BANK ACCOUNT AT BANK OF AMERICA.SINCE THE TRANSACTION MY ACCOUNT WAS CLOSED AND REPORTED TO CHECKSYSTEM ON XXXX XXXX FOR SUSPECTED FRAUD ACTIVITY. I HAVE MADE MULTIPLE CONTACTS WITH BANK OF AMERICA IN TRYING TO FIX THE SITUATION. I HAVE ATTEMPTED TO ASK FOR PROOF THAT IT WAS ME DEPOSITING THE CHECK LIKE A VIDEO OR PICTURE SINCE THE CLAIM WAS A DEPOSIT OF A CHECK TO THE BANK. I HAVE ALSO ASKED TO VERIFY AND PROOF THAT THE SIGNATURE ON THE CHECK THEY CLAIM I HAVE DEPOSITED IS IN FACT MINE. I WAS DENIED TO BE SHOWN ANY VIDEO OR PICTURE TO SUSTAIN THEIR CLAIM, ALL I HAVE BEEN GIVEN IS A PICTURE OF THE FRAUDULENT CHECK WITH A SIGNATURE THAT IS CLEARLY NOT MINE. I DID NOT TAKE PART OF NO FRAUDULENT ACTIVITY WITH BANK OF AMERICA.I HAVE DISPUTED THE ACCUSATION ON CHECK-SYSTEMS AND RECEIVED THE SAME PROOF JUST AN IMAGE OF THE CHECK AND YET NO VALIDATION OF MY SIGNATURE NORE IMAGE OR VIDEO TO BE ME.THIS HAS MADE IT DIFFICULT FOR ME IN SUSTAINING A BANK ACCOUNT TO BE ABLE TO FINANCIAL ORGANIZE MYSELF AND MY FAMILY.
I cleared my apartment on XX/XX/XXXX-2012 With a move out balance of XXXX  dollars. Due to being XXXX XXXX Military and leasing with this company I had to enroll in the RPP program to protect service members as well as the company leasing the apartment. I have no clue why they charged me and continue to effect my credit. Attached is the document signed by myself and XXXX XXXX XXXX manager in 2012. I finally found this document when going through old files.
state farm bank XXXX account XXXX {$5000.00} was result of fraud and disputed
XXXX XXXX XXXX, I believe on behalf of Shellpoint Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
Shellpoint Mortgage currently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, Shellpoint Mortage Services, or any other mortgage company. In fact, I had not applied for any credit from any company.

I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted Shellpoint, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


Institution Information XXXX XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the XXXX time with a name of XXXX as the rep. on XXXX I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016 I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies.They violated my rights in debt collection and credit reporting. 
Please investigate to remove.
My monthly payments to XXXX XXXX XXXX are {$230.00}. I can not find full time work in my field so I work XXXX only making about {$15000.00} a year. My rent is {$600.00} a month. My car payments are {$210.00} a month. My car insurance ( required by MA ) is {$240.00} a month. Utilities amount to about {$200.00} a month. As I have sent all of this information to my servicer, but they have told me I can not lower my payments or go on an income based payment plan. They will not cancel direct debit, meaning it is difficult to make rent. I can not afford to pursue a higher degree because my debt is too high to get another loan, meaning I can not get a better higher paying job. I have sent XXXX my documents and information as it relates to trying to lower my payments but I never got a response.
XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX  are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years  and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..
Dates XXXX, XXXX, XXXX, XXXX, I have disputed Case number XXXX, Case number XXXX, I even mailed the court, the credit bureaus stated this account was filed with to see how this was verified on my credit and I have their response stating they dont verify with credit bureaus thats a third party resource. I am very disgusted that a third party is responsible for inaccurate information placed on my credit a long with the credit bureaus. I have a letter included a long with the person I believe this account belong to.
Caller was from XXXX and XXXX. Called me on my cell phone which I did not provide express consent to call with an automated dialer. This is a violation of the TCPA. The name of the organization left in the automated message implied a lawfirm, which is in my opinion unfair and deceitful. When I returned the call, I was informed this was a purchased debt from a XXXX deficiency, and is way past statute. I was not given the mini-Miranda, was not provided a written notice within 5 days of my right to dispute the validity of the debt. FDCPA violationsVerbally informed them they do not have my consent and if they thought they did, I revoke permission to call me on my cell phone.
I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. 
this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.
Company of Greensky, located in XXXX, Georgia has successfully closed the account a amount was rendered as their final process to close the account back on XX/XX/2018. The overall problem was I needed to cancel the contract with a contractor that utilized XXXX XXXX. This had to escalate in XX/XX/2018 involving the Attorney General. The Attorney General was successful in advancing that portion within this financial institution to their legal division. From there over a course of months I was able to collaborate with one of the legal representatives. This legal representative within Greensky on XX/XX/18 determined a amount to close and finalize the concern for the sum of {$520.00} and the same day I obtained from my bank a certified check from XXXX XXXX XXXX and mailed it. In the memo the account number was placed along with " paid in full ''. Greensky has cashed this certified check but continues to say I owe now over {$70.00} in charges. This amount was with one of their legal advisers. Every time you call them its the same thing of over 20-25 minutes wait, your allocated to telemarketer and no one can seem to advance to sending me a account closed, bill paid in full for my credit reporting needs. 

I do not owe them anymore than what their legal representative had me make their check out for. I am asking for a zero balance, account closed letter.
I closed my checking account with Santander bank USA. I had automated bill pay associated with that account. After couple of months, Santander bank sent the checks to payees where I had set up automated payments from my closed account. Those checks are bounced and vendors charged for bounced checks. When I called Santander bank, bank said this automated bill pay is outsourceed to XXXX and it is not Santander bank 's responsibility and Santander bank ca n't stop sending check even if the account is closed. When I called XXXX, XXXX said they ca n't do anything because information comes from Santander and that bank has to stop sending information. So XXXX will keep sending checks even if account is closed. Santander bank never disclosed all this information during account opening and did n't inform during account closing.