WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I graduated from XXXX University with a XXXX XXXX and approximately {$85000.00} in student loans. That was around the time that the federal government enacted the public service loan forgiveness ( PSLF ) program. I contacted my loan provider, Citibank, to consolidate my loans and discuss repayment plans. They never informed me that I was eligible for the PSLF and did not assist me with obtaining the correct type of consolidated loan or repayment plan needed for the loan forgiveness program. It was several years later that I learned about the PSLF program and contacted my loan provider to make sure I was fulfilling the requirements. I then spent the next 10 years working with XXXX XXXX XXXX  as a XXXX XXXX XXXX for various companies. In XX/XX/XXXX I applied for the PSLF and was denied. I was told that I had the right repayment plan but the wrong type of loan despite consolidating the loans with the specific intent of meeting the requirements for the PSLF program. This was the first time that I realized that I was mislead by Citibank. 

At some point my loan was purchased by XXXX. I then consolidated my loans again and reapplied to the IBR plan with the specific intent of working towards the PSLF program. I was told by XXXX that everything was in order, that I met all the requirements and I restarted the clock. In XX/XX/XXXX I called XXXX to check on the status of my progress as I was confused about why I had not received the yearly application to renew the IBP plan. I was informed that I still was not making progress as this time as I had the right loan but the wrong repayment plan. This was the second time that I realized I had again been deceived by my loan provider. I then called XXXX to inquire as to how this happened as I was laboring under the belief that I had everything in order. XXXX confirmed the consolidation was successful but that they never received the application for the IBR plan. I told them I didn't know how that was possible because 2 years ago I was told by Navient that everything was in order for the PSLF. The XXXX representative said that he was sure I was told that but that's not how it is now. He proceed to tell me that even though I don't have the IBR plan my current standard repayment plan also met the qualifications for the PSLF program. I told him he was wrong that I needed the IBR plan. He again said that the standard plan met the qualifications for the PSLF and  only after my insistence and double checking his facts did he acknowledged the mistake. This was the third time I was lied to by my loan provider. I have been mislead, misdirected, manipulated, and flat out lied to by my loan providers for the past 12 years. I have made career and life decisions based on the false information they provided me. Their actions are a flagrant abuse of power with the specific intent of deceiving the borrowers, bilking us out of our hard earned money, and forbidding us the financial debt freedoms awarded by the federal government.
On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account numbers : XXXX, XXXX, XXXX, and XXXX. More than 30 days had past and this company has not sent me any validation documents. For account # XXXX, there is an issue with the original creditor, " XXXX XXXX ''. My secondary insurance was never billed.My secondary insurance became my primary insurance for my XXXX/XXXX/XXXX and XXXX/XXXX/XXXX visits and again was not billed at all. This account has been sent to collections in error. Attached to this complaint is a copy of the bills on those dates. I know for a fact that XXXX XXXX is already out of business for more or less 2 years now, so I do not understand how this company was able to verify the information they are reporting. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of those items.
Have full coverage insurance, paid co pay of XXXX dollar as required be my XXXX XXXX XXXX plan to hospital XXXX at time of visit. Visit was 10 min to look in my ear. My insurance was billed afterwards. Then i got nasty calls from CMRE. XXXX to pay or they would destroy my credit. I explained to them the bill was paid in full. I now see repeat strikes on my XXXX credit reports from them. I would like to take legal action
I had a {$51.00} credit card statement balance, on or about XXXX I disputed a {$50.00} charge, on XXXX I received an email from US Bank stating they had received my dispute and would contact me in XXXX days ; I have still not received a reply. 

On XXXX XXXX, I paid the {$1.00} remaining balance on my credit card, as I am not required to pay the disputed amount during the dispute. 

I was charged a {$27.00} late fee for not paying the disputed amount, a {$2.00} finance charge and received my new statement stating I must pay all {$79.00} XXXX XXXX ). 

While I called customer service and they removed the fees, it seems that if I have an item in dispute, by charging me a late fee for not paying the item in dispute they are violating my rights under the Fair Credit Billing Act and they may be doing this to other customers as well who do not know their rights.
# CitizensBank is stealing money from customers. {$2200.00} went missing from my account without any trace of the money. I posted this topic early on XXXX and it has happened to a few people. People are sharing my incident & will be closing their bank accounts. The people from Citizens Bank were very rude, and none helpful. Citizens Bank will be the next XXXX XXXX.
I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine Experian : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation. 

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet Experian refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by Experian are not mine, nor is there any proof from Experian provided that my complaints have been investigated! 

XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX   XXXX reported as Negative - not mine XXXX  : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
I was a victim of fraud which left my accounts negative about {$6000.00} total. When I tried to go into my local branch I was told that the signatures on the bad checks matched my signature. When I did more digging and was actually able to see the fraudulent checks ( the first bank wouldnt show me ) the signature looked nothing like mine. When I called and tried to submit a claim, the bank closed my account and said I still owed them the money.
I attempted to withdrawal funds from my prepaid account with XXXX. at a US Bank sponsored ATM on XXXX XXXX, 2015. The ATM did not dispense the funds but debited the {$240.00} transaction from my account. I went into the branch to find out what my options were and hoping that they would give me the funds that their ATM that they are responsible for did n't disburse only to be treated like I was some kind of bum off of the street begging for something that did n't belong to me. The banker kept indicating to me that there was nothing they could do that the ATM would need balanced and then I would need to file a regulation E claim with my financial institution. The branch manager never showed his/her face after repeated requests to speak with an authoritative figure and I left the branch in tears and without my money. It has been devastating to me over the last few weeks because I have taken an unexpected {$240.00} hit only to be told that if their ATM balanced out that there would be absolutely nothing that could be done to reimburse me. I even told the XXXX at the branch that if the ATM balanced out that meant the gentleman behind me in the line at the ATM received my money, but she reassured me that that would never happen. I contacted the executive offices of US bank only to be told there was nothing they could but wait for the transaction to process. The transaction has finally processed and my financial institution has filed a regulation XXXX claim with US Bank ... but I am again advised by US Bank that there is nothing they can do to expedite my request for reimbursement because their ATM is serviced by a XXXX party and it is up to the XXXX party 's processing time frames. I am still without {$240.00} here almost 2 weeks later. I am not rich ... I am not even middle class. I have fallen behind on bills and am incurring fees because of late payments due to this issue. Why was n't I put first? Why did n't the branch manager of US Bank address me and give me my money and indicate they would handle the back end issues on the back end? {$240.00} would have been a small price to pay for XXXX of the largest financial institutions in the United States to keep a smile on a my face and prevent me from going through hell over the last two weeks. but they did n't and I am still without and my XXXX children that I work hard for every single day are still without ...
I have a XXXX and recently two tenants used Chase Quick pay to send rent. One for {$850.00} the other for {$1300.00}. I th I then received a text from XXXX saying the money would be deposited. 
I have never received the money and it is no a month. I have been in contract with both banks and have gotten the run around. Chase says it was sent to XXXX it was sent and XXXX says they never got it, in the meantime I am out {$2200.00}
Hello, i had a bank of America checking account, and had deposited my payroll check, and my girlfriend 's payroll check into ATM. Bank of America did not like this for whatever reason, and seized the money for 30 days+.Bank of America then closed my account. Sent me the money. And reported to a company called XXXX XXXX that reports risk analysis to banks and determines I am too high of a risk to have an account at any bank. I 've called the company and they said call bank of America. I am no longer a bank of America customer therefore they are of no help. So I 'm stuck with no bank account for the past 5 years.
I previous had a account with Wells Fargo, I notice that they were charging fees on my account and my checking account balance was an amount one minute and another minute it was a different amount when I would log online to check my balances. I never used my checking account during this period. I was then instructed that I owed {$1500.00} in fees on my account which I am disputing and they sent my account to collections without any type of explanation of the fees. I am looking to have these fees waived and my account removed from the XXXX as they placed my loan in XXXX.
The consumer report lists a " developed name '' / '' former name '' ( XXXX XXXX XXXX ) for me that is not, nor has it ever been my name. " XXXX '' is my husband 's last name but I have never used it ever for any purpose.
I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.
This incident was btought to yhe attention of EOS CCA. Who is now the XXXX creditor to attempt collection on this fraudulant collection. The company before them was XXXX XXXX. The original credit provider was XXXX whom never comunicated to me nor provided documentation of this false debt. This debt according to XXXX and XXXX was opened XX/XX/XXXX. My research after contacting EOS CCA was told that the account was originally established XX/XX/XXXX. Im certain that is against the law debt to place a debt in the hands of another debt collector let alone XXXX. I HAVE no idea why they are attempting collection without proper documentation to prove the validity of the collection attempt.
My mortgage was previously with XXXX XXXX XXXX and they sold it to BSI Financial as of XXXX XXXX, XXXX. My mortgage had been in the foreclosure status previously with XXXX XXXX XXXX due to my husband being XXXX and not getting paid. We were working with XXXX XXXX XXXX to get the mortgage current. We finally received the documentation and total amount due to get the mortgage current. We did not receive this information until XX/XX/XXXX therefore the total amount of {$14000.00} was sent to BSI Financial on XXXX XXXX, XXXX, which made our mortgage current and out of foreclosure. We have been trying since XX/XX/XXXX to get information from BSI Financial on our loan details. They are not sending us statements or giving us any information. We filed bankruptcy in XX/XX/XXXX and have continued to make our mortgage payments with XXXX XXXX XXXX since then. Now BSI is telling us they will not send us statements because our home was included in the bankruptcy yet we have continued to pay it and was reaffirmed. My husband had to send a letter to BSI Financial requesting monthly statements and also he had to say that he understood they were for informational purposes only. We have been trying to make our XXXX XXXX house payment which is what is due. We have gotten nothing but the run around from BSI Financial. They keep saying our house is in the active foreclosure process yet the payments are current. I have called numerous times, left numerous messages and no one returns calls. I have owned my home for 18 years and have escrowed my homeowners insurance now this new company is telling me that I ca n't do that. When I told them that I wanted the money back that had been escrowed through XXXX XXXX XXXX for my homeowners insurance, I got ignored, the customer service person tried to change the subject. I told him that they were stealing my money if they did not return it. I was then told that they would have to do an escrow audit and they would return any property tax overages. This is not the property tax escrow money, it is homeowners escrow money, XXXX different things. I did not seek this company out to service our mortgage. I want to make my house payments yet keep getting jerked around. I try to go onto BSI Financial 's website to make payments and I get locked out. I call to get it unlocked again, no response. This company needs to be shut down they are taking advantage of people that had no choice in using their company.
I have never done business with XXXX XXXX, and do not owe them a dime for cellular services. I've never been notified of an outstanding debt from Convergent, and they have never responded to my repeated attempts to have them validate the debt. It is disheartening that this company and others are allowed to violate the FCRA continually, and they do so without repercussion from the CFPB.
I became an authorized user WITHOUT MY APPROVAL on my mother 's American Express credit card. 
The account is now closed however the bad credit still appears on my credit history. 
I called American Express and they seem to have dropped it from my credit history. 
The XXXX credit reporting companies I 'm referring to are : XXXX and XXXX. 
XXXX seems to have gotten the memo -- they erased my credit history on the card. 
HOWEVER, XXXX HAS NOT. They still seem to think that I owned the account. 
Please contact American Express as well as XXXX AND TELL THEM THAT THIS IS NOT MY ACCOUNT AND I WANT THE CREDIT HISTORY COMPLETELY ERASED. 
Note : I just applied for a XXXX XXXX XXXX credit-card, and got approved. TELL THEM TO LEAVE THAT ONE ALONE BUT CANCEL THE AMERICAN EXPRESS CARD.
I have repeatedly told American Coradis that the loan is not valid and that they should stop calling my job or my home. I have repeatedly asked on the phone for proof of debt and that I signed any documents for the loan. They have not provided such proof. I sent a letter advising them to cease phone calls and provide me with proof. They have not complied, yet they keep calling. Apparently someone I used to know had a student loan that I cosigned for and was approved for numerous forbearances, and then defaulted. I was never notified that there were forbearances and default until years later. I did not approve this. I need them to stop harassing me and provide the proof that I have asked for on so many occasions.
FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX back XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( Transunion, XXXX & XXXX ), the accounts still show as open.
Paypal will not release my funds since XXXX/XXXX/15, account is closed withholding funds for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC '', unreasonable delaying in funds withdrawal or deposits. Paypal claims my account is closed forever, I am blacklisted as a customer blacklisted forever, but Paypal refuses to release my funds {$500.00}. What Paypal is doing is illegal, an unlawful violation of " Regulation CC ''. XXXX XXXX, Paypal Acct # XXXXXXXXXXXX. My contact number XXXX.
On XXXX XXXX my vehicle was involved in an accident. I notified Credit Acceptance of this and continued to check back in with them to keep them updated on the situation. I received a call on XXXX XXXX from Credit Acceptance and they requested payment which was not due to XXXX plus towing fees because they stated I abandon the vehicle, therefore they went and got it and charged me with the fees. First, I never abandon the vehicle I have a paper trial with the company from the day that this begin and has informed them of every action that I am taking. For the last month they have stated that because I " abandon '' the vehicle and they are the lien holder, they went in got the vehicle from towing yard because the vehicle was incurring fees by sitting in the yard, I was aware of that, I called them and told them that. I spoke with several agent about this issue and they all reviewed the notes and agreed that is why they picked up the vehicle, around XXXX XXXX I Spoke with a agent by the name of XXXX and she stated to me that someone at their company went in and place the abandon status on the vehicle and that is what cause them to tow the vehicle. That is what concerns me the most, Each time that I have reached out to them about this issue, Credit Acceptance has given me the run around and I am exhausted from dealing with this, Please assist me with issue.
I am filing a complaint against Dept of Ed/XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.