WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I received a call from Discover Student Loans and they inform me that my loan was about to be charge - off due to a lack of payments.Because I could not afford to pay the minimum amount ( {$700.00} per month ) required Discover Student Loans and I was only paying {$100.00} - {$200.00} per month due to my income, my co-signer and I were informed that I needed to make a payment of {$400.00} in order to avoid the loan to be charge - off.

A payment of {$400.00} made in XX/XX/XXXX as requested and but few months later I was informed that my loan was charge-off. In addition, I called Discover Student Loans and I informed them that I was planning to go back to school on fall XX/XX/XXXX and I was told that as long as I am enrolled in school, I did not need to make a payment. And I would have to make payments again after the end of the semester. I attended fall XX/XX/XXXXsemester at XXXX XXXX XXXX XXXX.

After the fall semester ended, I went to Discover Student Loans in XX/XX/XXXX to make a payment and the blocked my account and I could not make any payment. Few days later, I started receiving multiple calls from Discover Student Loans and they informed me that my loan charge - off. Thus, I explained that I made a payment in XX/XX/XXXX and I was in school on Fall XX/XX/XXXX and my student loan should never have charge - off.

They promised to investigate and let me know that outcome, but they never call or email the results of the investigation. Few days later I ran my credit report and Discover Student Loans incorrectly reported my loans as delinquency.Thus, I called Discover Student Loans and I reported to them that I was receiving conflicting information from Discover Students Loans and it was creating problems on my side. I requested a written clarification and they informed me that the would send me via email, but I never received anything. Then, I received a call again from Discover Student Loans threatening me with a court action. According to them, Discover Student Loans was preparing to send my file a lawyer and they would not have control of the case if it goes to a court. And they requested me to make payment equivalent to {$700.00} per month which I can not afford. I requested a lower payment and they put me on hold for 20 + and they informed me that they could not do anything but the were going to transfer to a different department to negotiate a lower monthly payment. But I was told that the " department was close '' in the middle of the day.

I account was unblocked after I complained and I was able to make a payment of {$200.00} onXX/XX/XXXX.I was not able to make payment in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXXbecause they was blocked.

I received the loan in XX/XX/XXXX-XX/XX/XXXX to cover my schools expenses at XXXX XXXX University. The total was {$40000.00} and today the balance is {$74000.00} due to extremely high interest rates.
I have received XXXX college degrees and working on my fourth, while in the pursuit of my second degree I took a break and then restarted resulting in some out of pocket expenses. The loans I obtained in the pursuit of my degree. Therefore I owe all of my loans to one lender and I can not also still owe the collection agency, their database was never updated when I returned to school and completed my degree to become a nurse. The above mentioned company is Reliant Capital Solutions.
while reviewing my Equifax credit report they listed on it an account for real estate at {$56000.00}. I have no loan for real estate. The house I purchased in the past was handled through Chapter XXXX bankruptcy. I would like to have this investigated. Thank you
I recently received a response from ATG-only thru CFPB complaint-the company has never mailed a letter or anything but put an {$18000.00} debt on my credit. To this date they still have never mailed a letter either. They claim they sent a CARD with something on it showing my debt and classes a CARD-but not a letter NEVER HAPPENED. 

After receiving a response from CFPB- ATG advised that I withdrew from XXXX and that XXXX returned all loans back to Student loan. I never ever withdrew from school- In fact I was able to access my information today thru XXXX and noticed that they still have letters approving me for financial aid effective thru the end of XXXX. 

1. If I withdrew from classes-what date did I withdraw? 

I have class schedules, grades from teachers, and financial aid that was paid to XXXX-those will be attached from XXXX. Even award notices thru XXXX-screen shots. 

2/ XXXX stated that I could not receive student loans because of XXXX XXXX-but I am attaching document approval screen shots from financial aid department-and funds accepted. 

IF I DECIDED not to go back to school-then according to Federal Student loans-balance would start being paid back 6 months after out of school. I continued school-I never decided to quit or withdraw. I would owe Federal loans money not a private collection agency. Why would you return my loans after a year of taken classes-Why would you accept loans for a year or two if I withdrew and never attended. 

Please provided answers. and remove from credit.
On XX/XX/XXXX I sent a check in the amount of {$5400.00} to Key Bank to pay off me car loan and to send me my title forthwith. Attached was a note explaining the purpose of the check together with my name, phone number. address and account number.It was sent priority mail.Address was provided by a Key Bank employee. 
XX/XX/XXXX I checked my checking account and saw that the check was cashed by Key Bank on XX/XX/XXXX. 
XX/XX/XXXX I called Key Bank to ask what the holdup was. I was told that they never rec 'd the check and I needed to send proof that they cashed the check. I faxed a copy of the cashed check ( front and back ) to a Fax Number provided by a Key Bank employee.When I called to verify that the info was received.They couldn't find it and told me I was given the wrong Fax #. I was given a different Fax #. I sent it again. I was unable, via various phone calls, to verify the receipt until XX/XX/XXXX when I was told I needed to send in a copy of the Bill of Sale.I faxed it the same day. 
XX/XX/XXXX I received a call from a supervisor ( XXXX ) that a " refund check was mailed to me on XX/XX/XXXX in the amount of {$5400.00}. Which I never received and I told her so No action was taken by the Bank even though they had all the information to apply the payment to my account.She told me that I am required to sign an indemnity agreement to hold the Bank harmless in order to apply money to my account.and she would e-mail it to me. 
XX/XX/XXXX I received the " refund check '' which was postmarked the XX/XX/XXXX!!! 
I contacted an attorney who advised me not to sign the agreement. 
XX/XX/XXXX we called the supervisor to request to be able to talk to her Boss.After extensive discussion back and forth we were connected to XXXX ( Executive Branch - admin. asst ). He did not help other than he promised to research the issue and contact us within 24-48 hours. 
On the same day I received threatening calls from Key Bank - That I was behind in my payment and need to send in money. I received several calls. 
XX/XX/XXXX I received a call from XXXX XXXX who stated she was the case manager and she needed more time to research the issue. 
Additional notes : This process has dragged on for a month without any results whatsoever, It is very stressful and frustrating. This issue is slandering my credit rating and impacting my health due to the extreme incompetency of the Bank employees.
I was the victim of a XXXX XXXX XXXX and XXXX XXXX XXXX by a neighbor on XX/XX/XXXX in my apartment with my daughter who was XXXX XXXX XXXX and my XXXX year and XXXX year grand daughters who was at my apartment at that time. This happen at XXXX. My neighbor was arrested and taken to jail and charged with XXXX XXXX XXXX and XXXX XXXX. he kicked my door in and was coming at me trying to attack me. I XXXX XXXX XXXX XXXX with my XXXX, he still was still coming and then I XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, he ran off. I don't know what his intentions were or why he kicked down my door and was in my apartment, my grand daughters were shook up from this, that frighten them. The DA requested I move out and placed a restraining order agaisnt my neighbor. I went to my rent office and told them I was moving due to my XXXX XXXX and XXXX and I was too affraid to continue to live in my apartment by myself after this incident. The apartment manager agreed to let me out my lease, but told me I still had to pay my rent for the amount days I was living in the apartment. I at first gave the manager a letter stating I was moving out on XX/XX/XXXX. I wasn't sleeping in my apartment since the incident, so I written another letter stating I was moving out on XX/XX/XXXX, and I did moved out on XX/XX/XXXX. I was living at my oldest daughter house sleeping on a air mattress from XX/XX/XXXX until XX/XX/XXXX with the assistant from XXXX XXXX who helped me to pay part of my rent and deposit for my new apartment. To make a long story short. The XXXX at XXXX XXXX XXXX XXXX, reported to XXXX credit bureau since XXXX late rent on my credit report. I received a letter from a collection agency name Hunter Warfield requesting I pay {$330.00} at a 50 % saving. My credit score dropped to XXXX, Recently XXXX shows my credit score as XXXX with an amount of {$700.00} gaining interest. My rent with this apartment at that time was {$630.00}. They kepy my deposit of {$200.00} and no return of the pet deposit which was {$250.00}. The collection agency say I owed {$670.00} and the apartment was asking me to pay {$1000.00}. This is false report amount and it's a negative on my credit reportand this is hurting me financially. I am seeking legal advice and action. I'm the one that's still affraid to live alone and have nightmares because of the incident. I would the like an investigation done on this apartment complex at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ph # XXXX and collection agency Hunter Warfield at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ph # XXXX or XXXX. I'v already had XXXX to investigate and they refuse to remove it or remove the negative reporting. Yes, I have try to work with collection agency and apartment manager it's getting no where. This has been going on for 2 years
XXXX XXXX XXXX removed my truck loan payment history because I disputed late payments on all three credit bureau because I have never been late on a payment. I applied for new line of credit and a new credit card with my XXXX XXXX Credit Card program and XXXX credit card program in which I am a active member was turn down for transferring balance on new card due to length of time credit has been established insufficient credit history Not enough credit information. Thank you God bless you and your Family!
I owned a rent house in XXXX XXXX, CA that was sold in XX/XX/2018. The water company, XXXX XXXX was paid what they were owed prior to my leaving the United States on XX/XX/2018 and I am now living in XXXX XXXX. 

The water company wrongly sent me to a collection agency for a debt I did not own when the service was for XXXX when I no longer owned the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
my mortgage compnay is handling escrow account inappropriately i requested the escrow analysis, but they do not provide the information properly. Also, i wrote a letter to request to close PMI, but they would n't close PMI in escrow. I called numerous times about this matter, but they would n't close it.
I contacted Equifax on X/XX/17 via certified mail and telephone advising them that a I tried to contact a creditor XXXX XXXX via the address information that was listed on my credit report from the reporting agency. I mailed the listed account agency a certified letter and the letter came back as an undeliverable address. I then made copies of the letter in which I still have with the yellow undeliverable sticker on it and faxed and mailed to Equifax providing them this documentation. Equifax is allowing the agency to report a false undeliverable address as contact information on my report. In addition when calling XXXX on X/XX/17 to clear up the issue they can not identify the records because Equifax has allowed reporting of missing/partial/incomplete account number XXXX. Equifax sends out an automated response of " account verified '' but has yet to provide me with any documentation bearing my signature. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused after being provided with documentation.
The creditor, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Original creditor was XXXX XXXX placed my debt account with collection attorneys XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX. The XXXX filed for an appointment of a receiver on a judgement on the account from XXXX. 

I was unaware of the judgement from XXXX and well as the recent filing for the appointment for the receiver until after the fact. The original amount owed on the account I do not know and can not get a copy of it. I do know it is less than {$1000.00}. The amount of requested property to be updated with receiver appointment was {$4900.00} plus receiver fees. 

The receiver put a hold on my bank account for the amount of {$5400.00} on XXXX. I had {$850.00} in my bank account at the time. I called the collection company on XXXX, as per the suggestion of my banking XXXX and made an offer of {$3000.00}. This was to be paid with {$500.00} from my checking account and $ XXXX for the next 10 months. The person I spoke with, XXXX XXXX said she would present my offer and let me know in a day or XXXX. I checked my bank account today and the receiver had debited my account for {$1100.00}. This was more than the amount that I had in the account and was not the agreed offer. My banker said they were probably just trying to catch another deposit that I might not have disclosed. 

I called the XXXX back today and the representative pleaded ignorance of the situation, she said she does n't have access to what the receiver does. Then why do I have to deal with the collection company? I tried speaking with the receiver 's company and they refered me to the collection company. I resended my offer and offered them the amount they tried to debit my account, actually {$1200.00}, because the rep said they wanted a lump sum and this was all I could offer. She said they probably would not accept it, but would present it. I have called the court that the judgement was filed in to see if I have any options there.
RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
JP Morgan Chase bank double charged my account for ACH service fees for XXXX XXXX years. The total overcharge was {$1100.00}. They agreed that the charge was in error and promised the funds would be returned in 24hrs. That was 2 weeks ago. After several calls, they claim they are continuing to research the problem and have moved it to the executive level and cannmot tell me when the funds will be returned.
WF mismanaged my money and my mortgage but now want me to make up the difference and to charge me an extra {$300.00} a month. My monthly payment was {$1000.00}, now it 's {$1300.00}. They also said that amount is due beginning XXXX XXXX, but have actually taken out the higher payments XXXX so far from my checking account, which I did not authorize them to do. In less than XXXX months they have made insurance payments to cancelled services, lost paperwork and now want me to make up the shortage, despite that I have no idea how my account could be over {$1800.00} short when I arranged my XXXX payments to cover a XXXX dollars extra than what it originally was. They sent a document that also somehow is raising my mortgage payment, even without that shortage, bto {$1100.00}. How do they get to do this? I agreed to XXXX mortgage amount, that I could afford, not XXXX that seems to be at their mercy and can be arbitrarily changed at their will even when it 's their mismanangement and XXXX customer service. I would like an investigation. I can not afford the increase in my mortgage and am tempted to let in go into foreclosure. I did not control the money it was all in their hands. In fact I did n't know their was a shortage until I got notified by XXXX about the new and higher transaction.
Interstate Credit Collections was sent a debt validation request letter and in it I requested the information which is allowed by FCRA and FDCPA. The info they sent me was a barely legible print out copy of a statement which did not even have their company name on it. This company claims I owe them money and they have been falsely reporting this on my credit files with the XXXX major bureaus. I have always sent my correspondences to them certified mail return receipt request but they have yet to provide me with any debt validation but then the company verifies with the credit bureaus, but not me. Not to mention the paper copies they have in their posession list my entire medical history, diagnosis and treatments which is a violation of my HIPAA rights. I never gave Interstate credit collections authorization to have access to my medical history. They are a collection agency that I did not sign a contract to do business with. They claim I am using a credit clinic and they are not going to put up with any more of my requests but I am not using a credit clinic and they are refusing to validate the requests I sent them, Under the law if the collection agency can not validate then the negative information needs to be deleted immediately. They are reporting un-validated false information.
I have call homebridge consumer service, haven't heard from XXXX XXXX branch manager, they give a number XXXX XXXX XXXX, XXXX XXXX officer refuse a appraisal refund, I feel loan officer Mr XXXX XXXX misrepresented my options by telling me loan was approved, requesting a fee or appraisal which homebridge cashed that declined the loan the loan should have been reviewed and declined before the appraisal was ordered I do not recall signing an intent to proceed disclosure, this is required before an appraisal can be ordered and charged to the consumer "
Homeowners XXXX XXXX and XXXX XXXX obtained a HAMP in XX/XX/XXXX but believe that the loan servicer ( now Nationstar ) erroneously failed to remove the $ XXXX monthly private mortgage insurance. 

The mortgage insurance makes their loan unaffordable, and when combined with some other challenges, caused them to fall behind in XX/XX/XXXX. XXXX XXXX and XXXX XXXX hired XXXX XXXX, XXXX in XX/XX/XXXX to help them resolve the arrears. On XX/XX/XXXX, Nationstar guaranteed that it would remove the {$250.00} cost of the mortgage insurance if the homeowners reinstated by XX/XX/XXXX The homeowners timely reinstated but Nationstar now refuses to honor its promise to remove the private mortgage insurance.
Hello, In XXXX XXXX 2017 I made my first payment to Wells Fargo for my student loan. I requested a due date change for my payment to be scheduled for the end of the month. The representative took my first payment and advised me that she would submit the due date change and that effective XX/XX/XXXX the due date change would occur. She gave me the next due date of XX/XX/XXXX. XX/XX/XXXX I started to receive calls and notice by mail that my payment was late and additional fees had been assessed. I called in and spoke to a representative whom advised me at that time that it can take up to 60 days for the request to process. She had a supervisor waive the late fee and said she would submit my request again. I had a payment scheduled for the end of XX/XX/XXXX and was advised to call back on XX/XX/XXXX to make sure the due date change was still going to occur. I called in on XX/XX/XXXX and spoke to a supervisor named XXXX whom advised me that the request was declined again but that he would submit the request again and that it would go through. Here we are mid XX/XX/XXXX and my due date has not been changed. I called in today XX/XX/XXXX and spoke to a supervisor named XXXX. She basically said I needed to make a double payment, refused to waive any late fees ( due to their improperly trained staff ) and said there was nothing she could do for me. I would like any late fees waived and for the due date to be changed as promised when I made my first payment in XX/XX/XXXX. My account is only in this status because I was given wrong information twice now.
My deferment agreement ended in XXXX 2017. I 'm XXXX and required to submit documents annually to extend my deferment. I submitted my documents via Nelnet 's email as suggested. The process is usually slow but about 6 weeks later I checked my account and there were no changes I called Nelnet and they informed me that my documents were not received so I decided to mail them. My account was finally updated to a XXXX balance and payment due but I was hit with nine 90days late on my report. I feel that is unfair.. plus in 14 years I 've never been in default.
On Tuesday XX/XX/2018 I called PHH Mortgage Corporation to verify that they were my new loan servicer and who I was supposed to submit payments to going forward. I asked how I could pay online, the customer service representative explained how to log on to do so. I noticed there would be a fee to pay online so I asked if there is anyway to pay online without a fee. He told me if I enroll in paperless option and wait XXXX hours, next time I log in to pay, the fee will not be there anymore. So on XX/XX/2018 I tried to log on but it kept saying my log in information was incorrect. I called customer service and the representative gave me a temporary password to use. That did not work so I still had no access to my online account to make payment. My options were to mail in a check or pay a {$7.00} fee to pay over the phone. This is when I started researching PHH Mortgage Corporation and discovered that they have had multiple lawsuits regarding charging unauthorized fees, using incomplete information in the foreclosure process, AND FAILURE TO APPLY PAYMENTS MADE BY BORROWERS. After reading all of this, I started to get concerned about my loan now being in the hands of PHH. I called customer service again and insisted to speak to a manager about these discoveries and my concerns about my inability to make a payment without being charged a fee. I asked the customer service representative XXXX times to transfer me to a manager and each request was ignored. I told him if he can not transfer me to a manager then I would like to submit my payment over the phone without a fee. He agreed to do so, asked me for my routing number and bank account number to submit payment. I am bringing this to light before it gets worse. I am trying to be pro-active instead of re-active. As previously stated, I am seriously concerned for the future of my home loan. I still can not sign onto the website and when trying to talk with tech support I was on hold for an hour before anyone picked up.