WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2015 I made mortgage payment to freedom mortgage on the internet. payment is due on the XXXX every month. On XXXX XXXX 2015 I received a call from freedom mortgage that my payment was late. I explained that I had received a conformation number how could it be late? I was told that did n't matter the payment was late. I had to pay late fees and phone assistant fees ( a total of {$40.00} plus the normal mortgage ) Since that payment my mortgage has been marked as received late for the past 4 months although I mail my payment on the XXXX of the month XXXX. I called and asked a service rep how my payments were late and was told that the mail takes XXXX 10 day for them to receive it.
Penn Credit XXXX XXXX XXXX XXXX XXXX, Pa. XXXX Ph. # XXXX, has been calling me about a medical debt they say I owe. On XXXX/XXXX/15 I sent them a debt validation letter requesting proof of debt, I also requested in the certified letter that they no longer make phone calls to my home, work, cell, or any third party. Penn Credit received and signed for the certified letter on XX/XX/2015.Now my XXXX year old mother is receiving phone calls from them looking for me. Penn Credit has all my information and their is no need to call anyone else. She received these calls beginning XXXX/XXXX/15, over 40 days after they received my letter. The certified letter number is XXXX XXXX XXXX XXXX XXXX. When I called Penn Credit I was hung up on by one of their associates after I was told it was MY JOB to call the original creditor to dispute the charge NOT THEIRS.
I found accounts on my report by XXXX XXXX XXXX I wrote all three bureaus and and XXXX   deleted one of the accounts I sent a letter to validate the ac oytns snd proof on who they were I never got back a answer now it's 60 days still nothing and they will bot delete these accounts from my credit They are on all three credit bureaus for collections This company is showing two accounts that they will not validate or show any proof od who or what they are
0n Saturday, XXXX XXXX, XXXX I spoken with an representative of XXXX to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted 2 accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
This is about an insurance claim from XXXX XXXX that was finally paid XXXX XXXX by my insurance company. 
I have called XXXX 2 times and have asked the XXXX XXXX 4 times to tell XXXX to stop calling me. XXXX has called me every other day since XXXX XXXX. XXXX called again this morning.
I have a total of {$140000.00} in NJClass loans which go into repayment in XX/XX/XXXX. I have asked HESAA several times for some kind of help or relief and all I 'm told is there is nothing that can be done and that I need to repay the {$1700.00} a month for the next XXXX years. This is not realistic. I will not be able to live, eat and live while paying $ XXXX month for XXXX years. All I want and need is a manageable $ amount to pay each month and be able to live
2015 amount- approx. {$2000.00} company American express I sent 7 letters and retained copies of all I spoke to customer service reps at least 6 times I sent letter to president of Amex I sent letter to credit bureaus explaining my case company wrote off amount as noted in my credit report and also noted I objected intial charge {$1500.00} for a plane ticket that Amex travel booked for me that was cancelled 5 days after booking and 5 months before anticipated usuage. They argued ticket was non refundable ( never told to me ) and they have tape of conversation that I asked 7 times to produce but they never did..because it doesnt exist, imagine I was client for over 30 years and spent an average of over 100k per year and always current and they cancelled my credit, advised credit bureau that had a whole lot of reprecusssions for me. HOW ABSURD that we could n't figure this out and they seemingly had no desire to do so as well I have informed them I would meet with them face to face and cooperate any way I could but all for nothing ... ..they were convinced I committed some sort of crime and refuse to discuss matter as it is now written off. I want it off my credit report please if you can help thank you
I just read the press release and if it pertains to me, I 'm upset that I was never told about income aligned repayments as I struggled to make payments with a minimal income.
paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with  XXXX  and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
I was denied credit and I paid for a complete credit report and score equia fax and Experian refused to give me a score when I was denied credit and they refused to up date my score when I got a loan from XXXX XXXX for a car to keep my score low and preventing me from getting additional credit.
I bank with SunTrust since last XX/XX/XXXX and as of XX/XX/XXXX they closed my account for no reason, something about rules and regulations and I contacted a lawyer and was told to go to one of the branches and close the account out on my own and take my money and bank some place else, but they told me I couldn't do that either, so I'm on the verge of being homeless cause I don't have any money, I've done everything and no help. I haven't done anything wrong. Please help me
XXXX XXXX # You are reporting a 30 day late for XX/XX/XXXX.

This is inaccurate. I was never late. This should be in good standing. My pay status is reporting : Current ; Paid or Paying as Agreed which is accurate. My other credit reports is reporting this account accurate as in good standing never late. Please update and remove the 30 day late.

XXXX/XXXX  # This account is reporting to be removed on XX/XX/XXXX, this is inaccurate. I have provided a copy of my other credit reports reporting the correct removal date of XX/XX/XXXX. Please delete this account it clearly is inaccurate. The credit reports are not reporting the same information and you said it was verified. How was did you verified?

XXXX/XXXX  # This account is reporting to be on XX/XX/XXXX, this is inaccurate. I have provided a copy of my other credit reports reporting the correct removal date of XX/XX/XXXX Please delete this account it clearly is inaccurate. The credit reports are not reporting the same information and you said it was verified. How was did you verified?
This agency Immediate Credit Recovery is falsely reporting on my student loans and causing me to stay into default because they will not release the LVC and they are reporting that I am being garnished and I am unemployed with no income and trying to consolidate muy loans and they are denying that process to take place. Please recall my account from this agency as they are not properly servicing it.
1. Alt hough I have been paying my loan since  XXXX / XXXX /   2002  after a consolidation of my federal stafford loans, my original loan balance has only decreased slightly. My original amount was {$27000.00} and my current payoff is still {$24000.00}. If I continue making payments as scheduled, I will pay another 10 years and essentially pay double what I originally borrowed. I had  XXXX  windows, which one was a personal bankruptcy in which I did not make payments, but for the majority of time I have made payments.    2. I  have applied and been denied numerous times loan forgiveness for programs that I should have qualified for (  XXXX   Loan Forgiveness and Public Service Forgiveness ). Both have been denied due to loan dates and my consolidation. I have applied for forgiveness for making payments for 10 years, but was told I had to switch programs ( making b asically the same payment amount ) and start over my 10 year count.    3. I  have called  XXXX   XXXX  a nd Navient over the years with no satisfaction. I have consulted my attorney for my bankruptcy and I have written the President and been referred t  o the US Department of Education. The US Dept of Ed referred me to the same forgiveness programs that I was originally denied several times.
XXXX filed a lawsuit which I did not contest and call and set up payments with their attorney. I called and satisfied the debt and received a paid in full letter in XX/XX/XXXX. I am attempting to refinance my home and discovered that while my consumer report shows the balance as XXXX, the attorneys office never filed the proper papers with the court to show the judgement as satisfied. I have called the attorney misled me into thinking that they had sent the letter to my local court clerks office to show the judgement was satisfied. After waiting 7 days for the letter to arrive, the attorney for the mortgage broker I am working with called and finally got the truth from XXXX the rep we had been speaking with. The truth is that the letter was sent to their local attorney in Tennessee, and he will into sign and send the letter to the court in XXXX, Tn. According to XXXX this process could take 30 to 60 days. I lived up to my part and paid the judgement in full. It has been 14 months and the attorneys office has not sent the letter to the court saying that the judgement has been satisfied and now they want me to wait 30 to 60 days longer. By the time this is done if it is done as they say, my refinance will be denied.
XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that XXXX the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.
I set up auto pay on Capital One 's website in XX/XX/2017. The auto-pay did not work due to a technical error on their end and I now have a 90 day late reporting. I have contacted Capital One and made a reasonable case, but Capital One is reacting unreasonably refusing to remove the lates from my report.
Two problems : 1. My application for forgiveness of student loan was declined by Navient after I was told it would be accepted. The excuse given was that because one of my student loans was too old for the program, all of my consolidated student loans would not be forgiven. 
2. I was charged excessive fees by navient when I thought I had set my account for auto repair and their website did not work correctly. It was confusing, and I thought it was set up correctly.
I ca n't bring up any of my account money or Rush Goals have my money. I 'm waiting on {$200.00} to be released. Rushcard has been horrible with fixing this information
Around XX/XX/XXXX, I contacted Sellpoint Mortgage Servicing which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.
I changed my service from XXXX to another carrier on XXXX/XXXX/XXXX. XXXX XXXX XXXX was the provider for internet through XXXX. I cancelled my services and they sent me a box to ship their equipment back to XXXX which is what I did. Later, since I had overpaid, they sent me a check to refund my account in the amount of {$34.00}. On XXXX/XXXX/XXXX I received a bill stating that I owed {$160.00} from Diversified Consultants, Inc. ( a collection company ). I called them and they stated that I still owed to XXXX XXXX XXXX. I disputed that claim and they said I have to call XXXX XXXX XXXX to have it removed. I called XXXX XXXX XXXX and they said I did not send back a modem so I was being charged. I disputed this with them saying I sent everything back to XXXX, gave them a tracking number and did not owe this amount. I spoke with several people at XXXX XXXX XXXX and finally, at a later date, I received a call from a representative named " XXXX '' on XXXX/XXXX/XXXX and she stated that I would receive a revised bill with a XXXX balance in about XXXX business days and they will contact the collections agency to state I have a XXXX balance. I assumed everything was taken care of until I applied for a loan for a car and discovered the collection account charged against me. I called the collection agency again and they stated I need to call XXXX XXXX XXXX which I did on XXXX/XXXX/XXXX. I spoke with XXXX and she said my account had been closed so there were no notes. I told her they needed to call the collection agency and have it removed but she said since the account was closed there was nothing they could do. I then asked to speak with a supervisor and was sent to a voice mail for " XXXX ''. I never was contacted and despite my following attempts to reach him, I never received a call back. I am tired of dealing with this poor customer service and am requesting an intervention from your company.
On Thursday, XX/XX/XXXX, I went online to check my account. A message was displayed that indicated the account was disabled and to call a phone number. I called the number and there was no answer. It was XXXX XXXX. On Friday, XXXX XXXX, I called the number. It was the Risk Closure Department. I was informed that Bank of America had decided to close my account. They reserve the right to do that at any time without explanation. At this time it was frozen and was scheduled for closure on XX/XX/XXXX. I told the representative that I had a Social Security Check scheduled to be deposited on XX/XX/XXXX and a pension check on XX/XX/XXXX. She told me to call the Risk Closure department on the morning of the deposit and they would put in a request for disbursement of those funds. She indicated that I would be able to pick up those funds at a branch office later that day. 
On XX/XX/XXXX I called the Risk Closure Department to make the above mentioned request. The person I spoke to said it would take 1 - 3 business days to get a response. For some reason they would not count that day as day 1. This meant that the 3rd business day would be Monday, XX/XX/XXXX but I could call each day to see if there was a response to my request. I called every day and have done so since and there is still no response to my request. Today is XX/XX/XXXX, 6 business days and no response. They are now telling me that usually no response means that they are going to wait until the account is closed and mail a check at that time. For me that is XX/XX/XXXX. 
On XX/XX/XXXX, I received a written communication from Bank of America regarding this situation. It was dated XX/XX/XXXX. The letter outlined what was happening and what to expect. One item in  particular was a statement regarding scheduled direct deposits. It states " We won't accept direct deposits into your account ''. Well they accepted both my social security check and pension check into the account so they are now tied up in this process. If they had returned them, I would have been issued paper checks from those agencies long before XX/XX/XXXX.
I was called at XXXX two days in a row and woken up because of it. The third day I asked XXXX XXXX from Navy Federal not to call before XXXX any longer.
As of XX/XX/2017 I have noticed an address on my Equifax credit report that I have never been associated with and would like proof my connection to this address or its immediate deletion.
I received a letter from Carrington Mortgage Services dated   XXXX   XXXX   XXXX   stating, " Our records do not show receipt of your   XXXX   payment in the amount of {$420.00}, and as of  XX/XX/XXXX , a late charge in the amount of {$0.00} has been assessed. Your total payment amount due is {$470.00} ''.   XXXX   XXXX   XXXX   I sent a response to  Carrington th at the  XXXX  Payment was paid and included a copy of my bank statement for proof. I received a " Notice  of Intent To Fore close '' letter dated   XXXX   XXXX   XXXX  . I received a written response from  Carrington da ted   XXXX   XXXX   XXXX   that states "  CMS find s the written inquiry submitted either does not contain a signature or bears a signature that does not match our records. We have enclosed a copy of the original request for your records and further review. Once you have signed the written inquiry, please resubmit your request for further review ''.   XXXX   XXXX   XXXX   I contacted  Carrington Custo mer Service - Phone #  XXXX  and talked with a representative identifying herself as "  XXXX  - Employee #  XXXX .  XXXX  requested I Fax a bank statement to her as supporting documentation which I did that day with a copy of my bank statement for proof of payments that went back 8 months. I also included copies of my   XXXX   Tax and  Homeowners Insurance pa yments. All signed. I did not receive a response regarding the Fax. I received a letter from  Carrington  dated   XXXX   XXXX   stating, " our records do not show receipt of your  XX/XX/XXXX  payment in the amount of {$420.00}, and as of  XX/XX/XXXX , a late charge of #  XXXX  has been assessed. Your total payment due is {$470.00} ''.   XXXX   XXXX   XXXX   after no response I Faxed another copy of supporting documentation t o Carrington Custom er Service. I went ahead and mailed a payment Certified Mail of {$470.00} to ensure everything was covered while I was dealing with  Carrington C ustomer Service. I than received a Certified letter  from Carringto  XXXX  dated  XX/XX/XXXX  " Notice of  Intent to Foreclose. The  above referenced loan is in default because the monthly payment  [ s ] due on a nd after  XX/XX/XXXX  have not been received. The amount required to cure the delinquency, as of the date of this letter, is {$890.00} less {$0.00} monies held in  Unapplied ' '. As of   XXXX   XXXX   XXXX   I still have not got a response fro m Carrington Cu stomer Service. I recently went paperless billing which was a mistake, as now I have to rely upon "  My Carrington ' ' on line Web site to verify monthly amount due. My account on this site is consistently inaccurate on "  Amount Due ''. Carrington h as now listed my Mortgage account with the Credit Bureaus as 60 days late. I have done everything requested of me fro m Carrington Mortgag e Customer service from the start of this issue but am not getting a response. I need my account corrected, late charges returned, at the Credit Bureaus data corrected. Please see Attached documentation :
Originally when I purchased my home in XX/XX/XXXX I was told that I would pay PMI insurance for 5 years. After 5 years if I had 20 % equity in the value of my home I could stop paying PMI. 

On a visit to the bank ( Wells Fargo, loan servicer ) around XX/XX/XXXX I was told that if I waited till XX/XX/XXXX I already had enough equity in the home and by then 5 years would have passed and I could apply to remove the PMI payment. 

I contacted Wells Fargo this month XX/XX/XXXX to remove the PMI and they told me no they wont do it. they say that the agreement with the original lender is that I have to have paid 20 % of the original loan to remove the PMI. 

This was not what was explained to me when I signed with my broker and also not what was explained by the mortgage advisor at Wells Fargo the year previously. 

I would like help to have this PMI payment removed I have enough equity and I dont believe I was informed correctly when I took out the mortgage. 

Thank you, XXXX XXXX.
i received a phone call stating that I owed a lot of money to the state and whenI looked more into it I noticed that there was a lot of information on my creditreport that was incorrect
I cancelled my credit card with Bank of America approximately six months ago. At the time my online account was unlinked from my card account. My credit report from transUnion is now showing that the account is 120+ days past due. I am unable to log on to my account online to check the account status. My account should have been cancelled before any late fees or interest accrued to make it past due.
At XXXX XXXX today my husband was contacted by the collection agency regarding a, " Personal business matter. '' My husband previously worked for a collection agency and stated the caller was divulging my personal business without authorization.
I had a student loan show up from XXXX ; yes XXXX, when I was in college on a XXXX. I did n't even receive any loans at all because I was on an football scholarship. For about fifteen years I have been disputing these loans and I was finally instructed just to file a police report. Well here I am 15 days into that report and XXXX and XXXX has deleted the account from my report finally. Although Experian still shows the account on my report after be demanded to remove it in four days. This has been the worse experience ever. I am a XXXX XXXX player and here I am starring at student loans that were never applied for. And they even show them open in XX/XX/XXXX when I went to school XX/XX/XXXX!
From XXXX XXXX XXXX University and the University XXXX XXXX XXXX, I took student loans out in the years XXXX to XXXX for my degree, XXXX XXXX XXXX, in the amount of {$70000.00}. 

I have been trying to pay these loans off for 11 years and have been unable to because of Navient 's unlawful practice. I now owe over {$88000.00} while I have paid over {$10000.00}. 

For so many years I was unable to make payments because of Navient 's unlawful business practices and how they required me to overpay for student loans. 

For example, they wanted over {$1100.00} per monthly payment. I explained I could not pay them that, but that I could pay them {$450.00} per month. They would not accept lower payments and said I could not make them. 

They will not take lower payments that I can afford, so instead I am forced into applying for deferments or forebarance. 

So here it is, 11 years later, and I am in a worse financial situation than before I took my loans and earned my degree. I have applied to hundreds of jobs, but can not get a job with my degree because I have no teaching credential and am not a licensed teacher. So many jobs I applied to told me they would not hire me because I did not have enough teaching experience in my field and I did not have teaching credentials or license. 

This has decreased my quality of life. I can not afford a new car. I am still driving a car that is 18 years old and another car that is 10 years old. They are falling apart and need to replaced, but the burden of these loans is too much. We have had to repair the rusted out leaking transmission fluid lines, rusted gas filters, etc. etc. 

Please help relieve this burden! 

The university should have never admitted me into my program of study because I did not meet their admission requirements - not enough teaching experience and no teaching credentials or license! 

I have not been able to benefit from this loan. It has hurt me and I wish I never went through all the struggle and study to earn my XXXX of XXXX. 

Please help! A XXXX year old with a worthless degree and almost {$90000.00} in debt for over 11 years.