WillisBack/dataset-financial-user-claim huggingface dataset:
I have been waiting since XX/XX/XXXX for Fed Loan to correct my PLSF payments. I should have 39 qualifying payments from XX/XX/XXXX through XX/XX/XXXX, yet Fed Loan is discounting 6 eligible payments from XX/XX/XXXX through XX/XX/XXXX. <P/>Initially Fed Loan stated that I was inadvertently in a paid ahead status that I never requested. Then in XX/XX/XXXX, Fed Loan incorrectly indicated that my payments were in forbearance. This is not accurate and I substantiated this fact to the Department of Education in XX/XX/XXXX. Additionally, as proof I have the verified Employment Certification forms that cover this period. <P/>Even though I have enrolled in the IBR plan and submitted the necessary documentation, Fed Loan Servicing is unable to bill me accurately and has changed the minimum required amount several times during the last three payment years, without informing me. From XX/XX/XXXX until XX/XX/XXXX, the statements indicated that the amount due was {$0.00}, yet I made payments. From XX/XX/XXXX until XX/XX/XXXX, the amount due ranged from $ 62.00- {$64.00} per month and I was penalized in XX/XX/XXXX and XX/XX/XXXX for paying the exact amount due! <P/>Fed Loan representatives told me that I had not satisfied the minimum amounts that Fed Loan asked for and that I had to make additional payments. When I followed these instructions, I was penalized again for being in a paid ahead status. <P/>I should not be penalized when Fed Loan Servicing fails to inform me of changes in my required payments and provides conflicting information in writing and every time I call for assistance. I had no choice but to use my best judgment and pay more than the statements indicated, yet Fed Loan Servicing still will not process these as eligible PLSF payments. <P/>FedLoan refuses to directly respond to my query but instead has referred me to their Ombudsman Office or Borrower Experience Advocate. These individuals tell me that they are still waiting for a decision from FedLoan. <P/>I believe that Fed Loan is mismanaging my PLSF payments and deceptively trying to cover up their accounting and administrative errors at my expense.
Fraudulent inquires : XXXX XXXX/XXXX/XXXX/XXXX XXXX/XXXX   XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX/XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX   XXXX XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX/XXXX   XXXX/XXXX/XXXX  XXXX XXXX/ XXXX/XXXX/XXXX XXXX/ XXXX XXXX/XXXX XXXX/XXXX/XXXX : : All this inquires on multiple occasions are fraudulent.
XXXX   XXXX  keeps trying to get my social security number so he can submit a mortgage application for me. I have told him several times my credit is not good enough. He wo n't stop calling me. I wo n't lie on an application.
The letter below is what I sent to Transunion requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by Transunion. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX  XXXX, XXXX/XXXX  XXXX and XXXX  XXXX
To : Whom It May Concern, I had gotten behind with my mortgage payment and soon begin to face foreclosure. In the process of all of that I received a postcard in the mail from a Law firm named XXXX XXXX XXXX XXXX XXXX that specializes in helping people like me keep their home without filing for bankruptcy. I contacted them and I spoke with a lady named XXXX XXXX and she advised me that her company can help me out. She stated to me that the fee for helping me get a loan modification with Wells Home Mortgage was XXXX and I had to pay it in XXXX installments which was XXXX XXXX, XXXX XXXX and XXXX XXXX which I paid faithfully each month. Mind you I had to filed a chapter XXXX in XXXX which I though was strange because she stated without filing bankruptcy. She sent over documents for me to signed and date for loan modification and I did all of that. It was in XXXX when I was informed that I was facing foreclosure on XXXX XXXX, 2017 and she still was telling me that I was not going to lost my house. Well, my house was sold to a third party on that day this is the day she wanted me to go back down to court house and filed another XXXX and I refused to do so. She was going to called Wells Fargo to see if they would stop the sale but they did not. I have not heard from this lady again. She has not returned any of my phones calls, emails, texts or anything. I went down to the home office and found out that she works from home and she is a part of the company and works under Attorney XXXX XXXX to get clients and they were going to look into it and I have not heard from them as well. Now that my home as been sold and I have a few more days to move out. I am lost for words and I feel as thought this was a scam and I just want my money back so that I can move out and found a place for me and my daughter. This woman called me at least 5-10 times a day. This stress of this situation has caused me to be XXXX because I suffer from XXXX XXXX XXXX.
NCA ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NCA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Approximately 4 years ago in an attempt to stop paying so much interest, I made an agreement to pay off my citi preferred credit card balance by paying a set amount until it was paid off-0 % interest. A little over a year ago I called and asked if they would lower my payment. I was advised my payment could be lowered and that it meant the total that I owed wouldnt be paid in the original time that was set-not that there was a problem with that. Now, a year later they are calling me to let me know the balance will be due in full at the end of XX/XX/2019. When I made the agreement to lower my payment it was my understanding that they were agreeing to the lower amount until the debt was paid in full. Not, we agree to let you make lower payments and then surprise you will still owe us the full amount in the same time as the initial agreement. What sense does it make to agree to lower someones payment knowing in the end that they will still owe the same amount in the same amount of time? How does that possibly help your customer? Beware.
I was sued by XXXX XXXX XXXX for a debt that is well over 7 yrs old and which they kept alive by making small amounts of payments like {$15.00} and reporting that they were made by me and I have asked XXXX XXXX to send me proof of my debt he replied that I would be getting all documents showing my debt. Well I not only never received this documents he never send me a summons for the levy and I did not know until I was checking my balances on line and the bank received the court order on the XXXX of XXXX and on the XXXX of XXXX they were forced to release {$3000.00} in the mean time I was going crazy because I did not know what to do ..I called XXXX XXXX and informed him that these funds were from XXXX and XXXX, XXXX XXXX ask me if I could prove that so I faxed him a copy of my bank statement which shows prove of deposit. He then tell me that they would not take the funds because of the state and federal laws, So he that tell me to call him again on Friday the XXXX and that he was going to have the funds release back to me. Well he never attempted to refund those funds and while he was asking me about an address in California were they thought I was living all corresponded was no doubt going to that house in California he was also not truthful about who I owed this money to because and when this account was open which was back in XX/XX/1998 if its the XXXX I looked up after he told me it was household finance I recall this account and it had been closed out and paid and my credit report will show when it was closed.
Chase Bank in their overzealous security has restricted me from accessing my Chase XXXX Card ( Acct. # ending in XXXX ). I was attempting to verify a XXXX Chase credit card that I recently applied for ( i.e. the Chase Freedom XXXX XXXX with Acct. # sending in XXXX ), and Chase XXXX would NOT allow me to verify this credit card. Furthermore, Chase Security then lock me out of their online access to my Chase XXXX Card which I have had for more than ten ( 10 ) years. Several phone calls to Chase Security has resulted nowhere and promised phone calls back has NOT been kept. Please help me resolve these XXXX XXXX XXXX XXXX matters by Chase Security.
On   XX/XX/XXXX   I noticed on my Experian credit report an old account with  XXXX   XXXX  for an auto lease opened in   XX/XX/XXXX   was still reporting as " currently paying '' when the lease was completed and paid in full on   XX/XX/XXXX  . I called   XXXX   on   XX/XX/XXXX   to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in   XX/XX/XXXX   has passed.  XXXX   XXXX  also, from the  XXXX  dispute, updated this account on Experian. On   XX/XX/XXXX  , I noticed on my Experian report no payment history and it listed I had a recent payment of {$550.00}. I paid and fulfilled my lease and this account was closed 8 years ago, so there could be no recent payment nor any credit history since  XX/XX/XXXX . Any help you can provide with this is greatly appreciated.Thank you.
While using a company called XXXX XXXX to monitor my credit, I was told that I was able to check approval for a new line of credit using a soft inquiry that would not impact my credit. The company ran my credit without my authorization for a company called XXXX by Goldman Sachs that resulted in a hard inquiry of my credit. I did not authorize this company to access my credit reporting file for extending credit.
In XXXX of 2018, I received a call from Premiere Student Loan Center saying that I could enroll in a Loan Forgiveness program where I could pay 5 enrollment fees and then start paying {$10.00} a month until the payments were complete and that would pay off my {$10000.00} student loans. When I tried to contact someone in regards to switching methods of payments, all emails that I emailed were inactive and no one was answering the phone number that I was provided. When I finally reached some one over the phone, they told me that XXXX XXXX, the lady that I originally spoke with to set this up, was no longer working there and I was put in contact with a new person by the name of XXXX XXXX. I asked him to transfer me over to the payment services department so that I could discontinue my services with them, he hung up in my face and has not answered my calls since then. I am totally mind blown at the news and reviews that I have received about this company and the " SCAM '' that they on running. I would like to get in contact with someone from Premier Student Loan Center as soon as possible.
XXXX XXXX, who was claiming to be with the Office of Investigations Fraud Department called my daughter and told her if I did not contact them within XXXX hours they would be forced to file charges on the complaint and would be sending officers out to my home to arrest me and " make a scene ''. I called them back and found out it was regarding an old payday loan from Ace Cash Express. They told me that I had until XXXX to pay them ( but would n't tell me " who '' I needed to pay and they refused to give me contact information until I was ready to make a payment ) {$480.00} and that they had waived the {$5000.00} in fees. When I called back again to ask for verification of debt because I was n't paying them without a formal notice, XXXX told me that I could only pay in cash or debit card and that if I did n't pay today then I would be going to jail for 45 days and would lose my XXXX.
I am XXXX XXXX XXXX  and have been serving in the XXXX for 19.5 years and I have a home that I purchased XX/XX/2005. I have never been missed a payment until late last year when the tenant I had living in my home XXXX XXXX. I was trying to keep up with the payment with me no physically living in the home it became very challenging. Fast-forward I received a phone call from a mail carrier that I know who delivers mail in the area my home is in and she asked me if I knew that my home was in foreclosure and my response of course was no. I reached out to M & T bank and they said that they have been sending notices although I never received anything in the mail. I am not sure how the process work so I reached out to a real estate professional and I was informed to contact the bank again and see what the for sale date is. The bank the referred me to the attorneys who was taking my case. I contacted the attorneys who were handling my date and they emailed me the amount in arrears, the payoff amount and the Foreclosure for sale date. I have tried to work with the bank to get this date postponed as having an active foreclosure and I was told that there was nothing to do. I was told that I did not qualify for the program for military because I bought my house before the program for military was in effect. I do not want to loose my home. I am planning to move into my home once I retire which is in 1 year. I really need help with this matter. I did not work hard to keep up the payments of my home to just finally loose it without any notices at all. I hope that I can get some help in this matter. 
Thank You XXXX XXXX XXXX
XX/XX/XXXX I went to XXXX XXXX XXXX. I signed up for a store credit card. I was told it would be mailed to my home. I was charged {$8.00} XX/XX/XXXX I received a late bill. I never was mailed a credit card. So, the 1st thing I received was a bill with a late fee. I was willing to pay it off. I called XXXX XXXX to advise them I NEVER received a credit card. I told them I wanted to pay off everything/close account. 
They literally told me I can't pay it all off without giving them my banking information. I was not about to give personal bank info. So, they refused to let me pay off the card/close account. I wrote to the bank that responsible for the credit card. 

XX/XX/XXXX I received a letter from the bank XXXX XXXX issues their credit cards though. The name of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX apologized for the inconvenience. They credited my account to a XXXX  balance. I owe nothing. Yet XXXX XXXX keeps billing me with late fees. I've told them and showed them the letter from their own bank. 

XX/XX/XXXX Still receiving monthly bills. Each time they want more money bc of late fees, even though they have the letter from their bank. I gave it to them twice. 

XX/XX/XXXX I finally wrote a personal complaint to the CEO after getting no where. 

A few days later I was contacted by XXXX XXXX. Customer Relations Representative XXXX XXXX XXXX. I explained the whole story over again. Each time XXXX XXXX acts like they get it & I won't continue to try to get more money. 

XX/XX/XXXX I received another bill from XXXX XXXX. Again, I contacted them. I sent a screen shot of the letter from their back. Again, they apologized. They said it won't happen again. 

XX/XX/XXXX Today I've received another bill with more added on late fees! 

Every single month since, they mail me bills with even more additional late fees. Each month, they say they'll stop behaving this way. It never stops. I have no idea what to do. I have the letter from their bank. I also have the latest email from XXXX XXXX acknowledging that they seen the letter from their bank & I owe them nothing. 

I don't want my credit ruined when I'm not doing anything wrong. I suffer from anxiety issues. Please help me. I don't know what to do anymore! They have proof. They admitted they are wrong. But, they just won't stop the harassment. 

Thank You, XXXX  XXXX
I reviewed my credit report several months ago to find that XXXX XXXX XXXX has an open debt collection for {$1600.00}. I send a Debt Validation letter 45 days ago with no response to XXXX, XXXX, & XXXX  Credit Reporting agencies requesting in writing information to confirm this debt is mine. I have not received any information in writing. The account in question states it was opened XX/XX/2016. 

However, the credit bureaus updated my credit report to say verified but has not supplied me in writing with data confirming the account belongs to me.
bought a car on XX/XX/XXXX, and I received a letter from XXXX XXXX on XX/XX/2018 stating they were changing the terms of my loan due to a credit reporting agency called XXXX XXXX XXXX who has reported false information on my credit, also I have not given any authorization to this company to have rights of reporting my personal credit business and choose to opt out there companies data base.
In the summer of   XXXX  , I was  XXXX   XXXX   XXXX , not financially literate, and applied for a Victoria 's Secret credit card when it was strongly recommended and offered with incentive upon checkout at the store, by the store employee. With multiple visits to the store, and multiple employees vying to receive credit for sales and signups, I ended up with   XXXX    Victoria Secret c redit cards. I regularly used and still have to this d ay, one of  the cards. The other card I was ignorant of until I moved apartments and discovered the second card. That is when I looked online at the amount owed on the card and saw the initial transaction from when I had applied for the card. I felt embarrassed about the error and the fact that I did not know about the second card for all those months. I paid it off immediately and closed the account. I was not advised by any  Victoria Secret e mployee or representative at any point ( including account closure ) that my late payment could be understood or acknowledged that it  may n ot have been 100 % the fault of a young  XXXX   XXXX   XXXX  who never got any paper statements regarding late payments or anything to indicate that it was possible that a company would issue  XXXX  of the same credit card to her, and that was indeed what had happened. Being made aware of the Consumer Financial Protection Bureau by my  XXXX  professor,  XXXX   XXXX   XXXX , and having seen partial success in a separate, albeit ongoing case, I would like to bring this issue to light as apparently it is still affecting my  credit score . Although it is stated that Late Payments can affect credit scores for up to 36 months, and this issue was reported in   XXXX   XXXX    , somehow it is showing up on my payment history. I believe this violates the terms, not only on the basis of validity, but on the account terms of amount of time passed, as well. Please look into this and help confirm my suspicion that this behavior is wrong and my credit payment history should be updated by the creditor to reflect that.
I called my bank to close out XXXX accounts. When they completed closing out the account they asked if i needed anything else. I told them i would like statement copies for the last year. The representative logged the request and asked there was anything else they could help with but never told me the cost. I was surprised to see XXXX had been taken from my account in XXXX different XXXX transactions. I called the day i saw the charges to see about refunding them. They acknowledged the fact that they did not give me the opportunity to decide about the amount and the account it should be taken from. However they said they could n't give me a full refund for the charges. This caused my overdraft protection to be charged which cost me another fee. They refused to refund that fee as well.