WillisBack/dataset-financial-user-claim huggingface dataset:
I qualify for loan forgiveness via the Public Service Loan Forgiveness program. I have a letter from XXXX XXXX dated XX/XX/XXXX that states I have made a total of 63 qualifying payments and have 57 qualifying payments remaining and an estimated eligibility date of XX/XX/XXXX. However, at the time my online account showed that I only made 54 qualifying payments and had 66 remaining. I submitted a request for this to be reviewed on XX/XX/XXXX and was told that it would take up to 10 weeks to be fixed but that the information in the letter was accurate. However, the online account was never updated to reflect the information received in the letter. I submitted an online request in XX/XX/XXXX about this same issue but never received a response and nothing was updated. On XX/XX/XXXX, I re-certified my employment for XX/XX/XXXX through XX/XX/XXXX, during which time I made 12 on-time payments. When I re-certified, I also submitted a letter inquiring about the miscalculation issue and submitted documentation that showed the discrepancies ( a copy of the XX/XX/XXXX letter and screen shots from my online account ) and asked that the information be updated. I received a letter dated XX/XX/XXXX stating that my employment was certified but I did not receive a letter detailing updated number of total qualifying payments made and payments that are still needed. I also did not receive anything regarding the issue of the miscalculations of my payments. However, my online account has now been changed and now shows that I have made 65 qualifying payments and have 55 remaining and has pushed my estimated eligibility date back to XX/XX/XXXX, adding a full year of payments that I shouldn't have to make. This is not correct! With the 12 qualifying payments I made between XX/XX/XXXX and XX/XX/XXXX, I should have a total of 75 qualifying payments made and have 45 remaining. I called today ( XXXX XXXX ) and spoke with a representative who said my initial review request from XX/XX/XXXX has not been addressed yet and it could take up to 6 months ( it's been 10 months ). She also said that of the 98 payments I have made since XX/XX/XXXX ( when I first became eligible and starting making payments ), 33 of them don't qualify because I didn't pay the full amount. I have always made full and on-time payments, and have never received any notices of late payments or delinquency. I have documentation that states what my qualifying payments were as of XX/XX/XXXX and have the amounts, statement dates and confirmation numbers for every payment I have made for the past three years. However, XXXX XXXX will not give me any straight answers and will not work with me to resolve this issue. As of today, I am now being told that it can take up to a year for the issue to be resolved. That is crazy! I have called multiple times and I am never given a straight or clear answer. I'm continually told to wait weeks or months and call back. Meanwhile, the qualifying payments that I have made and continue to make are not being accurately accounted for and applied to my loan forgiveness eligibility.
XXXX request a credit check on my name without my consent. My line of credit was increased without me making any request. Obviously my score will decrease and I 'm working hard to increase it at it was before. This practice must not be tolerated. If they were looking to increase my line of credit they should have used my record of payments with them.
Navient constantly calls harrassing over payments and wo n't release my co-signer on the private loans while I am in school, what can I do? I want to refinance the loans with another bank for a lower interest and am told I ca n't while in school, but this is a private loan, not a federally backed loan, why can I refinance and if I can, where I can find banks that do those types of loans?
I bought an American Express gift card at XXXX drug store in NY. I paid {$120.00} for the gift card. When my friend tried to use it the gift card did not have any money on it. I called American Express, they told me that the gift card was never funded at all. I went to the store about the problem, the store XXXX did not help me at all, and he gave me XXXX customer support phone number. I called more than 3 times asking for a duplicate receipt. XXXX rep. told me that he found my duplicate receipt and later sent me a receipt. However, it was a totally wrong receipt. It was not a gift card purchase for {$120.00}. This is a fraud case. I need your help. I tried to resolve this issue with XXXX however XXXX did not care about this issue.
About XXXX XXXX I contacted Paypal services about my debt card being linked to the wrong checking account at my credit union. I worked with the paypal customer service person on the line to switch my acct to another checking acct ( XXXX ) for further use with funding for my paypal acct when I needed. With an understanding that the previous acct ( XXXX ) would be removed and no longer used. As it turned out Paypal never stopped using the ( XXXX ) acct for backup funding and for about XXXX XXXX, XXXX until About XXXX XXXX XXXX, I incurred fees from ( XXXX ) because Paypal continued to submit drafts to for payment to the XXXX account causing on 25 separate occasions through out the period of time mentioned, fees totaling {$720.00} ( XXXX NSF fees at {$29.00} each ). When I realized what was happening I contacted Paypal and worked with XXXX representatives in Paypal Debt Card Dept, using the email noticed Paypal had sent me and my XXXX checking acct statements to develop the list of fees charged to me by XXXX for Paypals unauthorized attempts on my XXXX acct. The Paypal representatives developed the list and composed ( XXXX letters listing the XXXX transactions ) emailing the letters to my Paypal account email the letters for me to present to my bank stating Paypal was n't authorized to use the account and to credit me back the total of {$720.00} in NSF ( RIF ) fees. 
When I presented these letters to XXXX for refund of the {$720.00} in fees caused by Paypals error. XXXX informed me they would not refund me the fees because it was Paypal 's error and Paypal should refund the fees since they were not authorized to use my XXXX acct. 
I then called into the same dept at Paypal who drafted the letters for my bank and was transferred to a manager who informed me that they could not return all the fees as it was more the their norm and beyond the time period, yet he would apply {$100.00}. Into my paypal acct. 
I feel this is unfair, as {$100.00} is not reasonable, I want the full amount of {$720.00} returned to my acct. As Paypal drafted letters for my bank outlining their transaction to pay me the total fees for their error in that Paypal was not authorized to use my XXXX acct. So why when they are presented with paying for their error they only want to credit me {$100.00}, when they were willing to have my bank pay all of the fees in the amount of {$720.00}.
My name is XXXX XXXX I have been garnished by a company by the name of Midland Funding LLC in the amount of 25 % of all income that been pay to me by my employer, starting XX/XX/XXXX that stated by my employer, I have no such account with this company when reach out to them they told me that they brought this loan from a company that is no long in business. I was told that the company that they brought the loan from in XX/XX/XXXX has send me information in XX/XX/XXXX which I did not received. The amount in question is {$6200.00} so I am asking CFBP to stop that garnish from been affective and also refund any money that has been pay out to them before my case is completed and also notified all credit bureaus of changes to my credit report.
My mom wrote me a check from an account she had been saving for me for college. It was a CD account so when the CD closed it transferred to her account. There was a mix up and the bank closed the account and sent my mom a check. My mom did not know this when she write me the check so it ended up returned. When I found out I tried to call the bank to catch it before anything happened, but by then they had frozen my account. I called a few times to get this resolved and kept getting referred to other departments. Now today  XXXX . XXXX .2017 I went to the branch to see what can be done. They told me the account can not be reopened, however I found out that they 've flagged me as fraud. Bear in mind no one from the bank called me to let me know this is what happened even after several attempts to find out what 's going on. This is not fraud and I can not believe Bank Of America would just close my account and flag it as fraud without finding out what 's going on. I just graduated high school and heading to college, what do I know about fraud? I strongly believe Bank Of America should confirm before destroying people 's history by labelling them as fraud. This will seriously affect me at such a young age and whereas i know they have the right to close the account, they should not be allowed to just use fraud as an excuse. I have paid the balance owed and would like Bank of America to remove that red flag from my history. Thank you.
i sent a letter to the XXXX XXXX XXXX address that they had on my credit report and it was not correct information, so it was return to me. So i sent a letter to Equifax asking them to delete the negative item for the reason of false information on the part of XXXX XXXX XXXX and has not heard from them. I will upload the letter that i sent Equifax to address the situation on XX/XX/2018
I 'm trying to pay my bill that 's due XXXX XXXX, and I 'm trying to apply extra money to go to principal. I want to pay {$740.00} dollars ( XXXX goes to my monthly bill and the rest would go towards principal ). On their website, it only allows me to make the minimal payment and it says, " Please match the requested format ''. It 'll only allow me to submit payment and take me to the next page, if I type in my minimal payment of XXXX. There 's no option of paying more than the minimum balance and when I do try to type in more money in the box it wo n't allow me to go to the next page. I feel this is unfair, because of the bugs or kinks on their website, I have to suffer and accrue interest on the extra money I was going to pay. This is another way of keeping people in debt, and not allowing them to pay off their balance. I will attach screen shots.
Due to the recent allegations that have been filed with Navient, I wanted to confirm that my students loans were not affected in any way ( e.g., Lost paperwork. Misapplied payments. Surprise late fees. Processing delays, etc )
Again XXXX XXXX, XXXX has scheduled foreclosure Sale on my house. The foreclosure sale date is scheduled for XX/XX/XXXX. The foreclosure sale Notice I received from XXXX XXXX XXXX, XXXX said that please find enclosed advertisement of the foreclosure sale as published in XXXX XXXX XXXX. I did not and could not find any advertisement in the foreclosure sale Notice I received in the mail on XX/XX/XXXX. It is a false claim. 

Since the last foreclosure sale that was scheduled for XX/XX/XXXX, Mr. Cooper have not tried to reach out to me with respect to my HAMP Loan Modification I applied for in XXXX which is yet to be resolved. So I do not understand the reason for the foreclosure sale on my house. 

Nationstar Mortgage now called Mr. Cooper have tried on so many occasions, very hard to unilaterally resolve the HAMP Loan Modification I applied for in XXXX. This is in violation of the HAMP Loan Modification Program guidelines. The HAMP Loan Modification Program guidelines specifically stated that in order to resolve the HAMP Loan Modification it has to be resolved bilaterally and not unilaterally. 

My other complaints are 1. I suspect that fraudulent activity is taking place in my escrow account statement I recently received from Mr. Cooper. 2. In the Informational Statements I received from Mr. Cooper, Mr. Cooper is trying very hard to collect from me the sum of {$440000.00} which is a violation of the Virginia Bankruptcy Law. I believe these complaints should be investigated.
There was a negative hit on my credit report from a company called CarpioPartners that was opened XX/XX/18 for {$120.00} for XXXX XXXX Hospital. I have never received any information on this amount from anyone. I am fully insured so there are no outstanding account balances.
I never owed this company nor did I sign anything for them to try to collect this debt. This company XXXX is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.
On XX/XX/XXXX, I submitted a request for mortgage assistance to Ditech Financial. Since then, I have been submitting requested documentation so that this can be reviewed for assistance. 
On XX/XX/XXXX, Ditech sent me a letter stating that they have transferred the servicing of my loan to Green Tree Servicing, a company that was a subject of a class-action lawsuit for failing to honor loan modifications that were in the process of being finalized when consumers loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. 

Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. Although they have informed me that the request for mortgage assistance is still in review - they are engaging in dual-tracking by also advising me the the foreclosure sale is still moving forward on XX/XX/XXXX.
In XXXX XXXX I apply for a credit card in best buy store to purchase a TV the no interest rates for XXXX on the promotion last XXXX XXXX I was left with XXXX dollars so this morning XXXX XXXX XXXX I make a payment of XXXX to my surprise I have a balance of XXXX dollars in i call they said they ca n't help me
There are XXXX names as well as XXXX or more addresses and credit card institutions as well as accounts on my credit report that do not belong to me, that I have never used, and that I do not use, and never have given anyone permission to use. The information on my credit report is false and has caused me harm in the forms of loss of homes jobs and more. I want this information immediately removed and expunged from my credit report.
I was reviewing my TransUnion credit report online, obtained through annualcreditreport.com and then, for no apparent reason, " your account has been temporarily suspended '' came up. I was unable to view the report after that. I complained to TransUnion and proceded to get the run-around calling several different phone numbers with no success. I tried to start over again but was blocked because I had already received the report. I have been the victim of ID theft in the last week. I also saw an incorrect entry on the TransUnion report, in the brief time I had to view it, but had no luck in getting it removed.
Creditor makes repeated calls to my cell phone number without my consent to contact me at cell phone number ( Telephone Consumer Protection Act ). These calls are made repeatedly, XXXX attempts in a row and have occurred past XXXX. 

I never gave consent to the creditor or affiliates to use my cell phone number to contact me for marketing, servicing or collections calls. 

I believe they are using an Auto-dialer because there is a menu when call is answered.
I have been told by US Bank that my account is pending closure and that my direct deposits will not be available to me until XX/XX/2019. I explained to the bank manager that my direct deposits are used to pay my financial bills, so immediate access to my funds was necessary to avoid late charges and utilities stopping services.
I originally opened this Wells Fargo consumer checking account XX/XX/XXXX to XX/XX/2018 and was to receive {$200.00} bonus with 3 direct deposits of {$500.00} or more. While completing the requirements XX/XX/XXXX and XX/XX/2018 I was never paid my bonus. I insured that i waited well over 120 days after to contact about receiving payment. Each time I contacted customer service ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018  ) I was told i indeed did meet the terms and no one could figure out why I never received the bonus. Each time I was promised repeatedly that this would get taken care of. Please feel free to pull the recorded calls to verify this and check notes in the account. Finally after submitting a research claim and escalating the issue I was told that i did not qualify because i did not receive the payments over three consecutive months only two. The way I understood the promotion was that I only needed to receive 3 direct deposits of {$500.00} or more which is exactly what I did. I am paid bi weekly so I received payments on XX/XX/XXXX and XX/XX/2018.  To make matters worse my account was sold to XXXX XXXX like all accounts in the State of Ohio and it still hasnt been taken care of even though I was promised it would be before the account sold. Wells Fargo is a joke and its a wonder they are still allowed to stay in business after opening false accounts, making people lose homes because of a computer mistake and now not paying a bonus when promised. I can only imagine how many other people have incurred the same issue with no result just a sorry tough luck. I am not going to take that answer I did my part now I expect you to hold up to your part.
This is more of a request than compliant. I would respectfully request that Macy 's lower my interest rate on my account, and my hours have been cut making my budget extremely tight. If they can agree to lowering the interest to 5 % I can more estimate a balance of zero within 8 months. I hope they will give this strong consideration and I have been a loyal customer for a number of years and have not charged anything to the account in the past 6 months.
Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's Trans Union XXXX and XXXX still show it on my creditreport I want it off now.
I contacted ACS to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that ACS got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. ACS should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
XX/XX/XXXX, I informed US bank to please not call me any longer at work my work phone number. They did stop doing this for about a month and then I called to speak with a rep back on XXXX/XXXX/2015 around XXXX XXXX PST. I was asking him about doing a skip payment for my car loan because I was unable to make a payment. During this conversation, he repeatedly asked for my phone number for work. I told him that I do not wish to give out my phone number to my work, I do not want phone calls at work. I explained to him that I had already told them that no phone calls should ever be made and I do not have to give a work phone number at all. He demanded one from me and I still refused and he informed me that I would not be able to do a skip payment unless I gave him a work phone number ( thus now I am past due because I refuse to give him my work phone number ). The very next day, US bank started calling my work phone number. They stopped for a few days after, but have called me XXXX times a day since Monday XXXX/XXXX/2015. Apparently, telling people not to call you at a phone number, or refusing to give one for work, means you ca n't ask for help and then they pull up your previous numbers and start harassing you there -- even though I specifically said not to call me at work. I also completed a survey after this phone call and asked that someone please follow up with me, no one has ever reached out to me for assistance. 
Secondly, when I asked for help, this young man wanted to delve into details of why I could pay. What was causing the issue, how I was going to fix it and if I could not provide this then I would not be able to skip a payment. This should NOT be a requirement to skip a payment. I 've never done so on my car loan so asking for help once I should be given an okay -- but not asked about details in my personal life. Just telling them I ca n't afford to pay should be enough.
My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new XXXX, and I didn't know about the country 's credit system. 
The three accounts about because of events in life, I live in the United States at that time, my father is XXXX XXXX XXXX living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back. 
They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult. 
I believe that the credit report is more for education and correction, not just for punishment. 
I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.
I have been trying to get a loan modification from Bank of America for my Home Equity Line of Credit since XXXX of 2015. To date I have not been successful. I had been paying interest only payments on the loan of around {$420.00} per month. In XXXX of 2015 the Bank sent notice that the payments would increase to a little over three times the payment I had been making. A new payment of {$1300.00} My circumstances have changed significantly since when I originally took out the loan. I was XXXX that rendered me XXXX and unable to work. I had to retire on a small pension. To start the loan modification process, the Bank asked me to provide extensive financial information : monthly income and expenses, tax records, ( which had been destroyed and I am just now recouping ), retirement and XXXX records. I provided the Bank everything they asked. At times, they asking for the same thing XXXX and three times, from the initial contact until now. The new payment amount of {$1300.00} I can not afford to make along with my monthly medical expenses, rent, insurance, food and transportation, all of which are going up and XXXX for benefits did not this year. 
I will be forced into foreclosure for sure. When I asked for the modification under hardship, I wanted to lower my payment to make it affordable, i.e. a lower FIXED interest rate and extend the loan term. 
BANK CONTACT-XXXX
i went and bought bedroom furniture and after they delivered it and left the loan papers I found out that I was paying more in interest then what I paid for the merchandise. after then furniture is paid off I will still owe them in interest. found out I was paying 120 % in interest when California law is only 10 %. I am not renting the furniture at all as I am buying it on a loan. am inclosing the full contract