WillisBack/dataset-financial-user-claim huggingface dataset:
I am seeking Public Service Loan Forgiveness ( PSLF ). I started working at a XXXX XXXX XXXX XXXX in XX/XX/XXXX and have made 47 on-time payments under Income-Based Repayment ( IBR ) plan so far. I have submitted Employment Certification Form ( ECF ) inXX/XX/XXXX andXX/XX/XXXX. Their acknowledgement letter says We will provide you with notification of the number of qualifying payments you have made during the qualified employment period listed above however such notification was never received in writing. XXXX XXXX website posted payments due every month, but there was never a notification of this important matter. Ive been submitting my monthly IBR payments for the past 4 years thinking I was on track to PSLF until three days ago.

Every month I go to XXXX XXXX website to make my monthly payments. This month, I was being placed on Disaster Forbearance which I never applied for, and there is no natural disaster in my area. I started looking into all the links on the website and realized that 4 of my 14 loans were listed as Not eligible for PSLF. I was terrified. After studying what Direct loan means rigorously for the past 3 days, now I know the difference between FFELP vs. Direct loans. However this is something you wouldnt know unless you really study all the fine print of the loans and are financially savvy. All my loans came from the Federal Government so I thought they were all direct. The PSLF pamphlet I received back in XX/XX/XXXXstates the eligible loan types as ANY Direct Loan Subsidized/Unsubsidized Stafford, Plus, Consolidation. My FFELP loans were listed as simply Stafford and Plus on loan description, which are the exact words included in the list above. It made me believe my Stafford and Plus loans were PSLF eligible. I also noticed that studentaid.ed.gov PSLF webpage recently added more clear paragraphs regarding FEELP vs. Direct loans. However, it wasnt as clear back in XX/XX/XXXX when I actually looked into PSFL.

So basically I have to start the 120 IBR payments all over again. Even if I get all the direct Loans forgiven after 73 payments, the 4 remaining FFELP consolidation loan balance will be too large that I will have to make full IBR payments 47 more times.

While I believe important letters like this should have been delivered in writing in XX/XX/XXXX when I first submitted my ECF.

After further looking into this matter, I realized that I was not alone. I read numerous news articles about loan servicers misguiding students regarding PSLF. I also read about class action lawsuit. So I decided to look out for help as well.

Fedloan servicing should have provided a written letter regarding non-PSLF qualifying loans upon receiving ECF, and their failure to do so misguided me into believing I was in good status for PSLF for the past 47 months. This will cost me approximately {$80000.00}, having to pay start the 120 payments all over again. I would like see if anyone can help me to correct the issue.

Thank you so much for your help in advance.
I met XXXX XXXX in school. We were both attending XXXX XXXX XXXX XXXX and XXXX back in 2007. I was not aware of that I 'm a responsible person for both of her loans until now. She asked me to help her out and be only on her form as reference. She said that she will be paying for her loan and I have nothing to worried about. It was never explained to me that I would be liable for her payments. I was paying for my own school at that time and never missed any payments. I trusted her because she tried to be my best friend and I gave her my personal information such as social security number, address, employer and so on. It was a very big mistake. I defiantly misunderstand the whole process and did n't know that she was taking advantage of me because I was very limited in my XXXX and been recently moved from XXXX was not aware of all the loan responsibilities. She was not honest with me and she did filed multiple loans under my name without my permission. I never signed anything and never got any alerts or notifications from the loan company. Otherwise I would never done it. All I wanted just to help a friend to go trough school and get her education. We only had XXXX conversation about her school loan back in 2007 but after she got needed information from me she filed XXXX loans that I did n't authorized. I have t dispute these fraud activities because it 's effecting my life negatively and XXXX is not in contact with me any longer still taking advantage of my credit history.
I have 2 inquires from a lender that I never applied for a loan from, Cash Central. I do n't know who they are or how they got my information. First pull XXXX second pull XXXX
The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question.

XXXX XXXX XXXX {$710.00}
On Saturday  XXXX / XXXX / XXXX  I received an alert on my   XXXX   XXXX   about credit card limit. When I checked it out. I noticed a credit card  with Capital One o pened on  XXXX / XXXX / XXXX . I immediately filled a fraud alert 90 day initial alert to   XXXX   credit report and also ordered a credit history report from  XXXX . Afterwards I contacted the company about the credit card. I explained how I had no knowledge for this account until I received a alert from   XXXX   XXXX  . I opened a fraud case with them about the card. They assured me the account was now close and a investigation would take place and report it to the credit bureau. I provided my mailing address as well as email and phone number. When I asked for information on file for the credit crad the mailing address or number I was simply told it shows  XXXX , TX that 's it. I was informed I would be receiving a phone call and an email with information on the matter. As today  XXXX / XXXX / XXXX  I have not received a phone call. I called them back on  XXXX / XXXX / XXXX  I noticed on my   XXXX   XXXX   the account was still opened and how I have n't received a phone call or an email about the matter. I was told it was closed the person could not use the card. As far as the phone call and email no update.
have an auto loan with Santander Consumer usa. got behind in payments. example : say missed XXXX XXXX and XXXX XXXX payments. on XXXX XXXX when i make the XXXX XXXX payment, they do not apply the payment to principle and interest as if the payment were ontime. it is my understanding, if i only pay enough to cover the payment ( not enough to cover and late fees or extra interest that may have accrued ) the payment has to be principle and interest as if on time ... only if monies above the total of payments late can be applied to late fees and or additional interest accrued. one such payment i made, when there were XXXX full payments of {$450.00} each overdue, a payment of {$590.00} was completely applied to interest. i believe this to be in violation of the truth in lending act.
The company has placed negative accounts twice on my XXXX credit file and due to such ammounts reported my credit has dropped alot ....
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
A company called XXXX XXXX has reported a dept to my Equifax account that I know nothing about. According to federal law we the people are entitled to a notice to dispute any item that a company says we owe. I received no such notice from XXXX XXXX of this XXXX XXXX XXXX XXXX either. 
As far as I am concerned Equifax and XXXX XXXX has violated my Constitutional right to due process meaning I should have received notice of this so called dept I do not owe. They have also, in the process, slandered me and defamed me to which their will be serious consequences if this is not rectified by Equifax for allowing such XXXX to be posted on my account without a shred of evidence.
I have never received a bill from the vendor or Syndicated Office Systems ( debt collector ). I found it on my credit report in XX/XX/XXXX that it was reported as first delinquent in XX/XX/XXXX. However, I called the hospital on XXXX/XXXX/XXXX and they informed me that this charge was for date of service in XXXX XXXX. Syndicated Office Systems reported it as first delinquent on my credit report XX/XX/XXXX, more than 7 years later. And, now it 's on my credit report until XX/XX/XXXX from a bill I never received. I have no idea what the charge was for.
Two years ago I refinanced my Student Loans with Earnest. Refinancing helped consolidate my loans and it gave me flexibility in repaying them. Initially everything was great and I was satisfied. More recently, Earnest has made changes to their website, repayment terms, and general way of doing business it seems. I imagine this has to do with Earnest being bought by XXXX. I understand XXXX has been sued or is under investigation by the CFPB. It seems they have not learned from their past. 

Anyway, with their new interface I have had difficulty making a payment. The difficulty lies in making a payment either on the date or in the amount I have set up with their auto-pay feature. I have attached a document to help describe this. My comments in the document is italicized and in red. I will also attach my email correspondence.
This is the most recent complaint that I am sending concerning XXXX. In the past I have attempted to " pay '' the loan off early on to discover that the monies were moved and applied to places that I still have no clarification on to this day. I submitted a complaint to IDPR in connection with this predator lender and nothing has come to this. I designated a XXXX draft from my account which would have brought my account below XXXX Have been paying this way for a few months only to discover that the company drafted it's own amount of XXXX. In the past my payment agreement has been changed to lesser months with higher interest rate. I complain to CFPB constantly and only get feedback from company that never answers my concern such as why were the terms changed without my approval seeing that I signed a 53 month agreement and now this! This is something that the bureau really needs to look into about this company ...
STP Group ( Collections ) continues to contact my place of employement, an XXXX and his family members after being asked not to. They ( XXXX XXXX XXXX/XXXX/2015 ) disclosed false information to my XXXX family and threatened to charge them. An undisclosed individual of the company said she would call back to my office and tell my co-workers and boss I refuse to pay my bills. They will not stop calling my place of employment although they have my personal number to reach me. XXXX XXXX informed me she does not have to stop calling and will continue to do so until I pay her then hung up the phone. Furthermore, I do n't believe this company obtained my information legally and/or their claim in valid. I contacted the original company who stated I do not owe them nor was my account sold to STP Group or Collections.
Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXX XXXX XXXX for a very long time.
Due to a computer glitch, in XXXX-XXXX un 2016, that was Transunion problem, not mine caused my inquiries to be deleted. Transunion later added them back to my report without giving me legally required written notice within 5 days before readding them. I tried to reach out in good faith and kindly asked them to delete what was illegally re-added. These inquiries added a hardship and my rights were violated. I am asking for your help to stop Transunion from victimizing me. As a resolution I ask that all my Transunion inquiries be deleted permanently from my report as a violation took place and they were illegally added.
In case # XXXX, SPS still insists that XXXX made a " protective advance '' in paying off my XXXX mortgage, and I still maintain that I was in no danger of foreclosure by XXXX XXXX ( in fact, I had arrangements to bring the mortgage current ; XXXX was very helpful when I was dealing with the financial impact of XXXX XXXX ) so that what SPS calls a " protective advance '' was in fact a payoff that was not in keeping with the terms of my note. 
SPS offered to discuss a tender amount required to complete a rescission transaction, which I would be willing to discuss except for one point that SPS points out that a rescinded transaction is designed to bring both parties to a state as if the rescinded transaction had not occurred. My question is how do you plan on reinstating my mortgage with XXXX or how do you plan on bringing me back to that state? You ( actually XXXX ) created this situation by arbitrarily paying off XXXX, so how do you plan on bringing me back to my original state? If XXXX had done the transaction legally with a right to rescind ( and also, by the way, if they had provided TIL and RESPA documents to make the transaction legal as far as paperwork although it would still be in violation of the terms of the note ) I would not be asking this question. 
In other words, your offer is really not an offer at all, unless you can do what appears to be impossible.
the car was sticker price XXXX was not on vehicle,, calll XXXX gave them vin, XXXX rebate, XXXX down loan should of been XXXX, the contract was not given to me but was going to be mail out, GM gave me a copy, XXXX total this is fraud, esp when no sticker was on the window, the excuse the sticker was in didnt have one.
Applied for a XXXX  XXXX card, I firmly asked if it would be SOFT credit inquiry, thy said yes. Few weeks later my credit score dropped 5 points because they did a HARD credit inquiry. After several calls and 3 letters from them they keep changing the complaint and refuse to answer why they did a HARD credit and not SOFT as they agreed to, and now they refuse to remove the HARD credit inquiry.
The investigation is taking several months. Every once in a while they change the person in charge of the case and everything goes back to zero again, with the same letter of introduction and asking for renewed information. There is like a rota of people fooling around my id theft case. I have never gotten a complete investigation status or what clearly the problem is, and/or what is the solution they are working at. There is a constant repetition of questions and information. Repeated information that has to be re-submitted to a new agent everytime. I feel disappointed and also I do n't even know what are they doing with all this information, my personal information, what is their purpose. If they are marketing or selling my data, or what is going on. But at this point I do n't want their involvement. I know they can be dangerous because they operate as a division of Experian, and they could enter detrimental information in my file if they wanted to get back at me for filing this complaint. Therefore, under my lawyer 's advice, I will be using this complaint also as a milestone to indicate I complained against the agency before they try to damage my credit. Now they have a lot of personal information that XXXX be they even did n't need. They promised to help me put a long term fraud alert on my record, something in the order of 5 o 6 years. Which I thought it was kind of long. But I went along until now when I 'm realizing they are playing games. Their purpose? I do n't know. Thank you for your assistance. Best, XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX. Post Data : I wo n't be able to attach files, but I can send in a long chain of emails I received from this group XXXX ( Experian ) for a period of 6 months or more.
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$150.00} from back in XXXX.
I submitted disputes to the 3 credit reporting agencies on XXXX/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.
The numbers on my loan do not add up, and I have contacted the Fedloan Servicing Ombudsman and made multiple attempts to work with FedLoan Servicing Directly. 

For example one of my loans states the following. 
Original Balance : {$22000.00} Unpaid Interest : {$1900.00} Current Balance : {$27000.00} ( The balance based on the Original Balance and Unpaid Interest should be {$24000.00} not {$27000.00}. ( Where did this additional {$3000.00} charge come from? ) There are numerous unexplained charges like this. Approximately a year ago my balance was {$150000.00} then it went to {$180000.00} without any actual explanation. 

All this documentation is attached to the complaint. 
I have made all monthly payments, and will continue to do so, but I do not understand how FedLoan Servicing, is racking up phantom charges and interest. I fully intend to pay what is owed, and what I borrowed for school, but there is currently about {$40000.00} of unexplained charges, which interest is being applied to. 

I would appreciate any help CFPB could provide me to ensure that these balances are correct. 

XXXX XXXX
Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my CareCredit Card. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 12 Missed Payments {$0.00} DEPT OF ED/XXXX Student XXXX XXXX, XXXX Closed 8 Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed 3 Missed Payments {$460.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$670.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 1 Missed Payment {$7300.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 2 Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}
My wife received a phone call and a collection agency left a message on my wife 's cell phone from XXXX XXXX XXXX. The individual was threatening me. She stated that if I do not notify the filing party, they would show up to my home and/or work place with a " UNIFORMED OFFICER ''. The investigator stated that they would have my supervisor present. Supposedly, they have a court summons for me. The message is in my wife 's voicemail. I called the number to see what that was about, and to see if I can settle the {$300.00} debt. My wife and myself, offered to pay {$200.00} and settle it. They refused the offer.
On XX/XX/XXXX, there was an inquiry from XXXX on my credit report. 

Following the inquiry, in XX/XX/XXXX, my credit report shows a XXXX account opened. 

I've never applied for or requested any type of line of credit with this bank/retailer. 

I contacted XXXX, on XX/XX/XXXX to request that the account be closed and they advised that if I didn't request the account, a fraud investigation would need to be initiated first before the account would be closed. 

The following week, I followed up with them and they advised that no fraud activity was detected. I believe this investigation was based on usage. No one used the account. But that wasn't the request or concern. The concern was that there was an account established in my name and social that I NEVER requested. And the account should have been closed immediately.
On XXXX XXXX 2015 I put {$500.00} on my pre paid Rush card. Since then, my account balance is {$0.00} and when I call this company the recording says my card has not been activated. I have had and used this card for over to years. When I finally got through to speak to someone she said she could not access any accounts and would text me when the problem was fixed. I 'm still waiting.
Called   XXXX   for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX