WillisBack/dataset-financial-user-claim huggingface dataset:
In 2000, I graduated from college with several student loans. As I was looking for a career, I read that if I work as a XXXX in a high poverty, high risk/XXXX XXXX XXXX, I could get partial forgiveness. I worked as a XXXX  for 5 years in a high poverty/high risk, XXXX XXXX XXXX. I filled out the paperwork and had my XXXX sign it. After submitting the application I was declined. When I called to inquire why I was declined, I was given the following explanation. I was declined because I had loans before 2000. I was only eligible for the loans in 2000, therefore they wouldn't grant a partial repayment.

This was not mentioned in any of the paperwork, not even the fine print. The fine print said " I had to be fully employed, at a XXXX XXXX, Spend 90 % of my time with XXXX, at a XXXX that was XXXX XXXX '' Never did it mention that my loans had to be after 2000 to be eligible.
Contacted me again after I advised that I am being represented by an attorney to reorganize my debts. I advised  XXXX  to not contact me again by phone and to refer all inquires to my attorney.
Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. XXXX and TRANSUNION also reported " included in BK '' but last report date is XX/XX/XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.
On XX/XX/2018 i received a credit alert stating my credit score had drop 72 points now bringing my struggling trans union score down evan lower, when i check to see why it had  drastically drop it was because they stated a credit card i had and paid off over 20 years ago was no longer being used or active this account was closed again over 20 years ago and paid off, transunion and these credit reporting agencies will drop your score for things that make absolutely no sense to keep u in a higher interest rate and tell you u need more credit from high interest credit cards that are as bad as pay day loans, i sent them an email the XX/XX/2018 they told me it drop because i had no active credit never mind i just paid off a car loan of over 3000.00 my credit card with XXXX  XXXX  is allways on time and paid off as were the car loan paid off and the one still existing people of lower finacial and of color fight an uphill battle with the practices credit reporting. Agencies are allowed to get away with they pettle more high interest loan dept for greedy corporate America to further keep you in dept and never able to achieve your goals or dreams, on every low income credit reporting agencies reporting tools is high interest loan dept sold to poor and disenfranchise, this was to lower my already struggling credit to keep me in a higher intrest rate, it is a low and shameful practice that XXXX XXXX and these other credit report agencies do
In XXXX XXXX, I called my student loan provider Great Lakes to complain that my payments toward my loans were not being applied according to what they published on their website 's " How Payments Are Applied '' page ( https : //www.mygreatlakes.org/educate/knowledge-center/how-payments-are-applied.html ). According to this page " If there are multiple loans in an account, the extra amount ... will be applied to the loan with the highest interest rate ''. However, my payments were being applied across all loans on my account, causing me to accrue more interest. The representative I spoke with claimed to not be aware that this was on the website and helped correct how my future payments would be applied. However, my payments are being misappropriated yet again as of XXXX XXXX. The company continues to publish this deceptive information which had led me to believe that I did not have to provide any specific instructions about how to apply payments that exceeded the minimum amount due. Since I believed what was published on the page, I did not compare my billing statements until XXXX XXXX ; I have been making payments since XXXX XXXX. They never reversed the unfair interest charges that resulted from their misappropriation for the months of XXXX XXXX - XXXX XXXX.
This debt is from account from $ XX/XX/2008 an account is old and such no longer owed or valid. This has been requested to be removed many times. I want this removed from my account.
I disputed the tax lien from XXXX office in the state XXXX to credit reporting agencies. It was filed in error. It was for unpaid taxes for the year of XXXX. I do not owe any taxes to the state XXXX because I am not a legal resident XXXX. I am XXXX military and a legal resident XXXX, which is who I pay my taxes to. It was because of me having an XXXX address that had triggered that. I submitted all supporting documentation and it still was not deleted. I received the copy of my credit report from Transunion on XXXX XXXX XXXX that was generated on XXXX XXXX XXXX. It has been removed from my XXXX report and I am still awaiting an answer from XXXX. Please remove this from my report.
This specific XXXX Account # XXXX ( Credit limit of {$2600.00} ) Should be deleted from my entire credit profile. XXXX has requested the deletion but the Credit Bureaus have been dragging their feet with getting it deleted and this is slowing up my New Home/ Mortgage loan approval. Please have it deleted so i can move my family into our new home. Thank you in advance!
I had a medical from the billing company, XXXX, for an XXXX in XX/XX/XXXX. I had other services since and paid the bills. I was sent a letter from Valley Empire Collections of XXXX on XX/XX/XXXX, that I owed this amount which I thought I had paid directly to XXXX, so I did n't pay the bill. I never received another letter or correspondence from Valley Empire, that was verified by XXXX at the office on XX/XX/XXXX. I just realized I have a derogatory note on my credit which started my questioning what bill it was referencing. She stated they have called but it is their practice not to leave a message. I explained that if you do n't leave a message, how am I suppose to know to call and pay it. So when I received nothing further after the first letter, why would I pay something I do n't know is still outstanding. I even suggested a second notice notice to let people know they have been unable to reach me, but they do n't do that either. So my complaint is really that I was n't given notice this bill was still pending and the company did not notify me of that so I could pay it and clarify why I still owed it in the first place. I know some people would n't pay their bills regardless of notice but as I explained to them, the people that would, like me, who has no late payments on any thing for years, thought it was paid, just needed contact, a second letter, message regarding the bill, that in a year it would seem like a smarter way to do business. It was paid today, once I clarified what had happened, and gladly paid what I owed but would like it investigated because it now has hurt my credit score, which will cost me more money for possible 7years, just because I was n't notified that it was still outstanding. I explained you can leave a message if you know it was the correct household, which she verified they knew the phone was correct, because my answering machine says my last name. I just feel this was unfair and something I could have clarified if I knew. Thankyou.
RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX XXXX.
( XXXX ) The debt collector could not give me the details about the bill that I was asking for and would not stop talking and listen to me long enough for me to get the clients account number so I can figure out if it was a facilities charge or the doctor 's billing. I need to know what I am paying. He threatened that it will continue to stay on my credit and he will tell the client that I am not willing to pay even though I told him I will pay the bill as long as I know what I am paying.
I get dozens of calls from XXXX. I never pick up, they never leave a message. XXXX claims it is Kohls. I do not have a Kohls credit card.
We took out a Parent Plus Loan from Navient for our daughter to attend XXXX. She graduated in XXXX, XXXX so the payments started in XXXX of XXXX. We make ( 2 ) payments every month : 1 ) {$1700.00} for our portion of the Parent Plus Loan and 2 ) {$300.00} for a student loan our daughter, XXXX, took out to close the gap. 
We make the payments every month and we pay more than is required. 
In the twenty ( 20 ) months that we have been making payments, so far Navient has 1. Lost a check for {$300.00} even though BOTH checks are sent in the same envelope every month and 2. Did not credit our XXXX XXXX payment of {$1700.00} to our account even though they did credit the {$300.00} and, again, BOTH checks are sent in the same envelope every month. 

Fortunately, because we had gotten ahead on the {$300.00} payments ( Navient sent two invoices within the month of XXXX, XXXX for the same payment so we just made the extra payment to make sure there were no problems ), the only consequence of losing the {$300.00} check was that we were no longer ahead on the account. 
In the case of the missing {$1700.00} credit, I called Navient when I noticed that the invoice we received showed the account as Past Due. After waiting on hold for nearly 20 minutes, the Navient representative told me I would have to fax over a screen shot of my bank account showing that the payment had cleared. Because Navient does NOT actually cash checks but uses the checks for electronic withdrawals, there is NO cancelled check for me to send to show the payment had been made. As of today, I have not heard anything back from Navient as to the status of my account ( this was done on Thursday, XXXX/XXXX/XXXX ) so I will have to call them again tomorrow to make sure the payment has been properly credited. 

Clearly Navient is a sloppy company that is raking in billions in student loans. In only 20 months of payments they have made 2 very careless mistakes. Something needs to be done to hold their feet to the fire and make sure they are servicing these loans in a responsible matter. 

Thank you. 
XXXX XXXX
Been called multiple times a week claiming they are national Recovery agency number is XXXX have not sent me anything physical in the mail and have been calling since XX/XX/2018 my understanding is that they had 5 days to send out paperwork. I feel this is a scam and is affecting my vredit score.
I see that this collection agency is reporting on my credit reports and I was unaware of what it was for. I called the company and was told that the debt was from an XXXX. I have no idea about this company I requested proof of debt I was sent something with a signature that is n't mine. I am a victim of identity theft. I also asked them to send me proof of their rights to collect the debt and the date that they took over the debt, their license number, and proof that they have the right to collect in my state. The only thing I 've received via mail is a contract that was n't my signature.
On XXXX XXXX, 2015 I attempted to withdraw XXXX XXXX XXXX from an ATM in XXXX XXXX. There was a mechanical/electronic malfunction with the ATM machine and no funds were received by me. 

The bank is reversing the temporary credit issued in Favor of the issuing bank. 

I am adamant that the funds were not dispersed and the machine suffered a failure. 

An ongoing complaint # XXXX with USAA and I am awaiting indisputable proof that the funds were received!
I received a check in the mail from Tower Loan of XXXX XXXX. I cashed it on XX/XX/2016. On XX/XX/2016 I received a call from my great grandmother in law who has XXXX stating that she had received a call and was upset that something may have been wrong because she had received a phone call in reference to me, and had never received a call there for me. Come to find out it was Tower Loan. I called there office. A female told me that they had tried to contact me. I told her that I put my number on the back of the check as the instructed via the agreement of cashing the check, She stated that the check had not loaded the system and the info that they had tried using the number on file, I told her because that was not my number and I have had this number since XXXX. She stated they brought my info from the credit bureau and must was not correct. She stated they had a XXXX # which I told her I have never had a XXXX #. I asked her why is she calling my husband family looking for me when I did what I was instructed to do via the agreement attached to the check. She was very rude and I asked to speak to a manager. I spoke with XXXX who at the time stated he was the manager then I later received a call from the real manager XXXX. Also a call from the DM who was rude as well and would not answer the question of my am I being penalized for doing what was instructed for me to do. I spoke with XXXX at another location who stated that she did n't agree that they used designated search engines to find and call around for me when my loan was not due and I followed the instructions on the check but they just needed to verify I cashed the check. I told her well they should have waited like everybody else does to verify once it cleared. The other managers and representative I spoke with could not explain to me why was my info being pulled as if I was in collection or delinquent on my account because they brought false info from the credit bureau. They should have just waited until the check image loaded and contacted the number on the back of the check as instructed. Instead of harassing my family members as if I was not paying my bills.. I feel they have violated some type of best practices in regards to violating my information and using in a matter that is unlawful. If they are going to mail out instructions to adhere to then they should adhere to them as well, I gave them no permission to contact anyone on my behalf and violate my financial privacy because of the information they brought from the credit bureau was incorrect on there end. This incident left my great grand mother scared and upset that something serious was wrong due to the conversation she had with the representative that contacted her because she could not comprehend fully what was going on due to her condition. I was not in default or delinquent so these types of actions should not occur.
SunTrust Mortgage purchased our home loan from another financial company. Shortly after purchasing our loan they sent us a letter saying that they had no record of an insurance policy covering our home, and that if we did not contact them within 30 days they will purchase insurance for us at an a cost of {$1800.00}. 
I have insurance, and have resolved the issue for my case, but I am reaching out to you because I believe that SunTrust 's actions are illegal. They can not ( or should not ) be allowed to spend their customers money without that customers explicit consent. This problem arose because of SunTrust 's poor record keeping. There is a real possibility that customers ending up being force to buy a second insurance policy because they did not notice or understand the issue. I hope that you will investigate their actions and ensure that no consumers were harmed because of SunTrust 's actions.
I have advised Equifax that a XXXX XXXX account reporting on my credit report is not my account. I was listed an an authorized user without my consent. I submitted a dispute and Equifax refuses to remove this account from my report.
I never heard of a company called lj Ross and I do n't owe them any money the debt is not mine
Chase Bank sent me an insufficient funds notice on XXXX/XXXX/XXXX {$30.00}. Changed my check- ing account from Chase to XXXX XXXX earlier this year. Only kept minimal amount in Chase account to maintain the business account. All other purchases were made from XXXX XXXX. - {$120.00} Chase balance was paid on XXXX/XXXX/XXXX by XXXX check # XXXX. I forwarded a letter to Chase on XXXX/XXXX/XXXX, along with my cut up debit card, with specific instructions to immediately cancel my business account. The overdraft was caused by XXXX not using my correct authorized credit card account. On XXXX/XXXX/XXXX I deleted the Chase card from any further purchases, only authorizing XXXX XXXX debit card for future purchases. I was again contacted by Chase concerning the overdraft on XXXX/XXXX/XXXX and several phone calls per day from XXXX. I explained to the caller that I had already forwarded my check, # XXXX with my cut up debit card, as full payment for the {$120.00} overdraft and that I had instructed them to immediately close my account with no further authorized transactions. On XXXX/XXXX/XXXX I received another insufficient funds letter from Chase in the amount of {$79.00}. This transaction was not authorized by me and it was after Chase account cancellation. From XXXX/XXXX/XXXX until this date Chase has been harassing me, telephonically concerning this mentioned overdraft. Chase paid XXXX an additional {$79.00}, {$14.00} and {$58.00} and charged me an overdraft fee of {$100.00} after I directed that my account be closed effective XXXX/XXXX/XXXX. I personally spoke to a Chase representative on XXXX/XXXX/XXXX and no more transactions should have been authorized after XXXX/XXXX/XXXX. I was advised that my check # XXXX ( {$120.00} ) was deposited on XXXX/XXXX/XXXX. This whole time receiving harassing phone calls daily from Chase. On XXXX/XXXX/XXXX I deposited my check # XXXX, in the amount of {$150.00}, payment in full for the unauthorized payments to XXXX. I again advised Chase XXXX, La. manager that I was paying XXXX unauthorized payments in full and that I again directed that this Chase account be permanently closed today. I had to place the Chase number XXXX XXXX on my phone number delete list in order to stop receiving the harassing calls. 
I have verifying documents ( 11 ) if you need verifying documentation.
I 've been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters.
I called Select portfolio on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me more  than 2 weeks   prior. Then I receive a letter from  XXXX  a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sendi ng door knockers for no apparent reaso n after they have already received calls in order to bill a mortgage holder for services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.
My daughter applied for a loan with Mortgage Investors Group / XXXX XXXX in XXXX. She was given a preapproval letter and exactly what her notes would be. She therefore made an offer on a home. After paying for the home inspection and the termite inspection as well as having the owner of the home make multiple repairs. XXXX XXXX says well she really did n't check everything out as she should before she gave my daughter the letter. So, now she needs a cosigner. I agree to co-sign. FHA requires a XXXX minimum fico score which I am above but XXXX says she still ca n't do it. This is very unprofessional.
XXXX XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX XXXX  provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
I applied for two refinances with XXXX XXXX, and I decided I would go with another lender due to the slow response so I withdrew the loans. I had given my credit card so an appraisal could be ordered BUT when the XXXX called I told him I was not going through with the transaction so he cancelled the order and I also notified XXXX. The Processor called me over 3 weeks ago and confirmed she would confirm when they were going to credit back my credit card since the appraisal was never performed and I have never heard back and I also have left two messages for the XXXX to please contact me back on when I will be getting my appraisal fee refunded and have not heard back. I have two other loans with XXXX from previous refinances but now no one will get back with me on crediting back an appraisal fee of {$720.00} on these ( again never was done, XXXX was told when he called to schedule I was withdrawing the loans so he cancelled the order )
I purchased a home through Habitat for Humanity low income program in XXXX. The mortgage is serviced by XXXX Mortgage. I fell behind many times and have be able to catch up even filing bankruptcy in XXXX. I have not been able to resolve the fees charged by XXXX of XXXX to XXXX monthly starting XXXX. My mortgage is XXXX and I make XXXX an hour. I got a lawyer to help navigate in XXXX after not being able to catch up with a balance the added XXXX each year in fees. Habitat has not enforced their contract of XXXX late fee on a interest free loan. Its been in limbo and I have stopped paying money that never is applied to loan. I have XXXX XXXX XXXX assisting me to reduce the stress. I am XXXX years old. XXXX is stating about XXXX owed that accumulated since XXXX.
I got a call this morning from a Nationstar representative calling in regards to a letter I sent two weeks ago requesting : 1 ) payments to be applied, 2 ) my dedicated loan specialist to contact me, and 3 ) info I have been requesting but have not received. The representative told me my account was proceeding with foreclosure. I asked her : 1 ) why my dedicated representative has not contacted me, 2 ) or sent me info, and 3 ) refused to provide me with an email. She said it was their preference not to provide it. I have not been able to reach her by telephone and my voicemail requests have not been answered. I should be able to request info by email and they can send it to me securely. 

I let the representative know that on multiple occasions funds I had submitted were misapplied or not applied since last XXXX and to current. I have proven that multiple times. This is another example of Nationstar calling me with no account detail and history. My account discrepancies should have easily been resolved. It should not be in foreclosure status.
This person from Diversified Consultants claimed that I owed about {$150.00} to XXXX. I don't have a XXXX Account. He claimed I had opened an account using my social security number and that if I don't pay the bill, that I don't owe, he said it would ruin my credit record. I have blocked the phone number from my cell phone. I called the number back and that is where I got the name " Diversified Consultants. '' The phone number is XXXX. I assume this is fraud and would like them stopped.