WillisBack/dataset-financial-user-claim huggingface dataset:
Between XXXX and XXXX, I took out a few Wells Fargo private student loans. Since I did not have enough credit to be the sole borrower, my parents were co-signers. The loans that we signed stated that my parents would be released as co-signers after 24 consecutive on-time payments. 
In XXXX, I took forbearance with my Wells Fargo loans due to an XXXX internship. Once the internship ended, I was told that my parents would not be released until 48 consecutive on-time payments were made beginning in XXXX. They alleged that there were missed payments, but there never were. I requested detailed information from them, but they never produced documentation. 
The development about the new co-signer release was never agreed upon, either verbally or in written form. I have made on-time payments without my parents help for the duration of my payments and ask that they be removed as co-signers as soon as possible.
On X/XX/2017 I opened a free account with Experian that allows a user to monitor their credit report for free. I used my account to initiate a credit freeze on my credit file and I was directed to Experian 's Identity Protection feature which is not free. After I declined the Identity Protection I found the page to place a freeze on my credit file. I entered all my information as I did when I opened the free account and Experian declined to place the freeze on my credit file. Experian used the excuse that they could not place a freeze on my credit file based on the information I entered. I used the same information to open the free account so how could it be correct to open the free account but not to place a freeze.
I have few student loans from XXXX XXXX. The XXXX XXXX loans from them was on XX/XX/XXXX, XXXX XXXX loans was on XX/XX/XXXX. But based on Equifax 's credit file my loan starting dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am attaching the letter that I received from XXXX XXXX that shows the loan dates and amounts. I requested EQUIFAX to investigate the accounts but after 30 days they bring the conclusion that everything had been reported accurate. It 's a clear violation to FTC rules. Please ask them to remove the in accurate accounts to remove off my file.
I am not 100 % sure if I have submitted this before. I read of action you are taking against XXXX, part of Sallie Mae, which prompted me to send this in. I missed out on 6 years of potentially PSLF eligible payments thanks to their ignorance or deception - whatever it was. I have always been a pretty savvy and inquisitive consumer, so I look to learn all I can and make informed decisions - which Sallie Mae never made easy. 

I was on a 25 year repayment plan starting in XXXX to keep my payments manageable. They said my payments may go up if I went for IBR, but then never gave any guidance on how to learn what the new payment would be based upon my income so I could know if it was a wise decision or not. I checked with them about once a year to see if any new programs that would help me existed, but it felt like they wanted me to either stay on my plan, or move to the 10 year standard repayment. Information about any other plan always seemed to be presented in a discouraging way. For example, when I asked about IBR, their guidance was just to move to the new plan, and they would tell me what my new payment would be when they figured it out. I could n't afford to gamble on my payments going up too much above where they were, so I did n't. Turns out years later and with a much higher income on PSLF, my payments are STILL lower than they were on my 25 year payment plan! My suspicion is that if Sallie Mae 's records of my payments from XXXX till I consolidated with Direct Loans in XXXX and compared them to my tax returns, many if not all of my payments would have been PSLF qualifying. 

Sallie Mae never mentioned that with IBR there was a cap on number of payments ( 20-25 years ) then any balance left was forgiven - they made it sound as if you had to keep paying till there was a XXXX balance - or perpetually forever in many cases. Since my monthly balance is higher each month thanks to the lovely miracle of compound interest, my spouse and I are counting on future PSLF forgiveness for the sake of our potential to weather old age as a childless couple. ( We do n't have kids because we ca n't afford to, nor do we own a home where we reside because the market here is too expensive. ) Sallie Mae also said for PSLF you had to refinance to Direct Loans ( XXXX - XXXX services my loans now ). I was also aware that my interest rate would go up up I refinanced, so I was reluctant to do so without good reliable information - which they were not good about supplying. 

Does this action go against Sallie Mae, or just XXXX division? 

Please share this as appropriate. I would love to have my story help someone else avoid these pitfalls! Thank you for what you do for consumers - you are truly and deeply appreciated!
Well I graduated from XXXX XXXX XXXX XXXX XXXX XXXX, MD back in XXXX XXXX. But after I graduated from XXXX XXXX, I was told by a Collection Agency as well as the XXXX that I owed the school {$5300.00}. The XXXX XXXX XXXX financial aid department stated when I arrived to my last semester before graduating that they had all students sign this form stating that from the year XX/XX/XXXX -XX/XX/XXXX, that the students did not have the initial funds to continue their XXXX XXXX degree. Therefore, multiple temp credits were released to cover the expense. But my question to the financial aid department and to XXXX XXXX was if we as students did not have enough money to proceed with the XXXX program why were n't we informed before proceeding with this 2 year degree? Some one in the finance department had to have known right? This did not even include the actual government loan that was generated. I owe the government XXXX in back money for going to the XXXX XXXX XXXX for graduating with an XXXX Degree. Also, The school did not help me with job placement in my field of study nor am I working in my field of study. I tried many of times to contact someone in reference to my issues with XXXX XXXX. But Unfortunately, I was unsuccessful in my efforts of beating this issue. I tried seeing if my credits were transferrable, but they were not due to the college that it was illustrated by all students across XXXX. ( Note : The XXXX XXXX XXXX stated that the temp credits were to assist in fronting money for all students who could not afford their education, they tacked this so-called credit on to students and now the institution claims they did not do this action any longer. Well if they did do this from the very beginning of my college courses, then what was the purpose of the governments FASFA program that all students applied for and where did the FA money go?
Dear Cfpb, I would first like to thank you for taking the time to read my complaint. I currently have a student with Navient which I have paid on time for almost 6 years. The interest rate is terrible and my balance is not going anywhere this is a crime they charge 13.24 % for a student loan! I called them and they said they can not do anything to lower it because I make too much money. I tried refinancing this with XXXX other lenders and the denied me that I do not make enough. I feel there is no way out of this. I do not mind paying the loan but when all I am doing is paying mostly interest I get upset. The main issue is when I took the loan out back in 2003 the rate was around 7 % how and why this jumped to 13.24 they can not explain. Is there anything that can be done here? 

Regards, XXXX XXXX XXXX
TekCollect of XXXX XXXX. XXXX XXXX, XXXX, OH XXXX, has sentme XXXX collection letters without a legal judgement. Originaldebtor is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. FTC # XXXX ( G ) requires a legal judgement before they can harass me for a debt.
I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from Nelnet Loan Services. I had previously disputed this account. I have never done business with Nelnet Loan Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Nelnet Loan Services DELETED this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that Nelnet Loan Services pick in day in XX/XX/2018, where we can meet in XXXX. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
On XX/XX/XXXX I contacted Wells Fargo corporate because I had an experience in a local branch where they told me that they would no longer accept loose change for mortgage payments. 

During this contact, I asked Wells Fargo that per The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender, '' which states : " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. ; Can you please confirm that Wells Fargo complies with the US Law to accept all US coins, Federal Reserve bank notes, and national bank notes that are legal tender. Please also confirm if there is a limit to the legal tender accepted. 

The response I received is Effective XX/XX/XXXX, all self-service and behind-the-counter coin-coining machines where removed from our branches. Due to this, we are no longer to accept loose coin ; however ; we will provide coin wrappers for your use. 

This statement leads me to believe that Wells Fargo is not complying with The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender. 

Additionally, I do not consent to call recording from Wells Fargo, if they wish to resolve this issue, they shall do so via mail.
Equifax will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


XXXX will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX XXXX XXXX
Dear CFPB - I submitted a complaint in XXXX 2016 XXXX XXXX ) and disputed it. I have yet to get a response from Chase on the dispute. I have now received yet another bill even though my dispute has not be replied to. I am now starting another complaint so I can try to get this resolved. 

I have been told Chase is willing to waive the drill fee ( {$150.00} ) and any past due charges ( currently {$74.00} ). When I originally called the XXXX XXXX branch I never received return calls. After seeing the poor customer service I have received from this branch I will not take the time to drive all the way to get this resolved. 

In my original complaint ( XXXX ) I was told 'we are unable to remove you from the XXXX. The only option available is to drill the XXXX and close it out. I need to ensure they can do this without me having to go all the way into this branch. I no longer live in the area. If they can not do that I must have a have a letter stating this is how it will be handled as, again, I have no faith that the branch will be able to handle this. 

Please advise. 
Sincerely, XXXX XXXX XXXX
Despite my credit card provider 's numerous efforts to remove an erroneous late payment report, XXXX has yet to address the issue in two years. I 'm in possession of XXXX evidential correspondences requesting the correction to my account. XXXX XXXX promptly corrected their records on the initial request, yet XXXX subsequent resubmissions to XXXX has yet yielded any changes. Hopefully, this is n't common practice. I have definitely lost all confidence in XXXX measured against XXXX!
Regarding PMI : we paid up front at closing to not have PMI on our mortgage with the understanding that it is cancelled at 80 % LTV ratio. Four years later when we reached 80 % Wells Fargo will start charging PMI until the LTV reaches 78 % or we pay about {$550.00} for a Wells Fargo appraisal to verify loan value has not diminished. Wells Fargo will not accept a property tax statement as proof of house value. Please help to make it allowable for Wells Fargo to accept a property tax statement as home value instead of demanding their service.
Please help me. I have tried for over 6 months to get a modification with Ditech and was finally told they had everything they needed two days later I got a denial letter stating they were n't approving my modification because my hardship was n't temporary. Sir I had a hardship last year that is now resolved and i have the ability to maintain this mortgage. I have the past due funds for ditech and they agreed few months back to take them but started foreclosure and now there are attorney fees. I have had to hire an attorney now myself and this money could be applied to my mortgage, I have a very small past due amount at this time with ditech and I have appealed the denial letter in a timely fashion. I have done everything asked and I still need help getting this issues resolved before mediation in XX/XX/XXXX.
I spent about an hour on the phone with Equifax trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.
Navient  XXXX .  XXXX   XXXX   XXXX , PA  XXXX  I am responding to your errant letter referenced above and enclosed for your review. For the record, the alleged consumer-reporting agency indicating the above loan is not [ mine ] or may be the result of identity theft is in complete error.     The referenced account is listed on my consumer reporting agency credit report and deleterious [ wrong ] information continues to be reported by Navient. Although the account is closed you have repeatedly reported that I was  90-120  days late on my payments.     This is incorrect. Further, I have repeated asked that Navient provide me the backup documentation supporting this claim, to no avail.  Navient  has refused to provide me any supporting documentation in furtherance of their claim. As you are aware, FCRA requires you to produce the information.     I am asking again to either square your allegation or cure [ remove  ]  the false information being reported to each of the  three  credit bureaus. Please reference below : CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. Navient, Formerly Part of  XXXX   XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception  XXXX   XXXX ,  XXXX .     What I am specifically referring to are the  XXXX   ( 90 )  and  XXXX   XXXX   (   120 )  payment history being reported wherein  Navient  falsely alleges I was late.  Navient  also reports that for the months  XXXX   XXXX   XXXX   XXXX  my account was paid on time. Given the history of the on-time payments, it was not possible for me to be 90/120 late in  XXXX   XXXX  respectively.     I am requesting that you permanently remove this erroneous reporting to all three credit bureaus.
citizens bank stole my direct deposit social security check in the amount of {$XXXX} although last month on XXXX XXXX, XXXX, I asked the window teller how much I needed in the account so I can get my check until they switch it and I did so. They never told me until it was too late and the back spitefully and maliciously stole my means of sustaining life, i.e. paying bills!!! 
Once before, when I said I was a XXXX XXXX XXXX XXXX, the bank shut down my ability to see what was going on in my account because of my reporting identity theft!?!?!?! Then after XXXX XXXX XXXX XXXX days of not seeing where/what or balance available, I went to the branch and practically had to apologize for the facat that they were not following the law and showing me my ACCOUNTS. 
I need my {XXXX} and this is happening to everyone I know?????? 
I can not live while a bank lies, deceives and transfers an obvious thief just like the XXXX did with the XXXX who XXXX XXXX XXXX!!!!! Transfer them to another XXXX to do to more children and transfer XXXX, the bank senior rep who started this whole thing by telling me that, " ... it costs too much money to transfer money to pay down your XXXX so I 'm closing that account and opening another ... '' Turns out, it costs NOTHING and I never saw on my end to this date the XXXX NOR THE ACCOUNT WHICH XXXX XXXX from XXXX of the Chairman refers to in the XXXX XXXX letter which I have attempted to contact her over XXXX ( XXXX ) times to NO AVAIL AND I want my money with the same XXXX % interest the bank charges people. 
Apparently, Citizen 's Bank thinks I will get tired of typing but I am NOT THE AVERAGE CITIZEN AND LAST I READ ( although most in society do not have integrity, honor, dignity, and pride ) I did nothing wrong and am a productive member of society working my way through XXXX, achieving my XXXX XXXX XXXX with a XXXX XXXX and paying bills on time so I MUST GET MY MONEY BACK!!! How dare a bank make billions of dollars counting on people not having the ability to fight for what is theirs and I hapopen to be the one who will go to every news channel if this is not in a timely manner required by LAWS THAT NOONE KNOWS BANKS DO NOT FOLLOW.
Despite repeated requests, Bayview Loan Servicing , LLC has failed to correct the monthly payment due amount on my account and continues to erroneously report my account as late to the credit reporting agencies, thereby adversely affecting my credit. In addition, Bayview unilaterally altered the terms of my loan to include an escrow account.
Over the past several months I have requested that Equifax provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Equifax updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Equifax will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Equifax unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is equifax misbehaving illegally and must act to remove a claim of aimed
You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.
I want to file a complaint against this collection agency XXXX American Collections Enterprise Inc XXXX I requested a debt validation because these accounts just appeared on my credit report without any written notice to me or how I can dispute the debt or seek verification after five day of our initial contact, which is a violation of the Fair Debt Collection Practices Act section 809. They also stated to me that they were not the original creditor. 
Furthermore ; I do not think that I owe these debts. I spoke to XXXX XXXX who was very rude and would not provide me with the information that I requested over the phone, pertaining to which XXXX accounts numbers were listed on my credit reports, she said there was XXXX accounts that I had with them and all XXXX was on my credit report, which is not true. XXXX XXXX and XXXX XXXX was very evasive when I inquired about these accounts and not straight forward. XXXX XXXX and XXXX XXXX also told me that these accounts been on my credit report for years, which is not true. If you refer to the attachments that I provided, ACEI place these XXXX accounts on my credit report on XX/XX/XXXX. The Original Creditor that is listed on my credit report is ( XXXX XXXX which was purchased by XXXX back in XX/XX/XXXX. I contacted XXXX XXXX Maryland on XX/XX/XXXX and they could not provide me with any information on any of these accounts. As I 'm typing this letter to you I still have not receive any written notice or debt validation from American Collections Enterprise Inc to this date. 
I would like all contact from them to cease if they can not provide me with some validation and proof of them owning my account. I also want all accounts from ACEI removed from my credit report ASAP. I also filed a complaint with BBB Better Business Bureau which they responded saying that the validation of my debts were mailed to me on XX/XX/XXXX, which is a lie. I would like them to provide me with proof that they mailed me anything on XX/XX/XXXX Better yet, I would like them to mail me the debt validation again via priority mail asap. 

Please see all of the correspondence and attachments between us thus far.
EXPERIAN PERMITTING XXXX BANK TO COMMIT CREDIT REPORTING FRAUD ( XXXX ACT ) BY REPORTING STATUS AS CHARGED OFF {$3900.00}, AND RECENT BALANCE OF {$4100.00}. THE CORRECT BALANCE IS {$2800.00}, AFTER A INSTALLMENT PAYMENT WAS MADE ON XXXX/XXXX/XXXX FOR XXXX OR {$2800.00}, SEE ATTACHED, THE SETTLEMENT AGREEMENT IS $ XXXX {$230.00} OR $ XXXX BALANCEDUE. BECAUSE OF THIS CONFLICT IN BILLING I DISPUTED THIS WITH EXPERIAN UNDER XXXX 3 TIMES WITHOUT CORRECTION IN VIOLATION OF XXXX ACT.DELETE THIS ITEM TODAY OR BE SUED OR CHANGE TO DISPUTED UNDER THE FAIR CREDIT BILLING ACT OF XXXX
I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report
Most recent report of inability to use past payment activity feature of online account management occurred on  XXXX / XXXX /  XXXX  . I requested a past payment activity report of ( 2 ) YTD.