WillisBack/dataset-financial-user-claim huggingface dataset:
MY student loan was took out in XX/XX/1999 and consolidated in XX/XX/2012 but the interest keeps growing and growing with no end in sight- I was supposedly in a public service forgiveness program from XX/XX/2012-XX/XX/2017 in which I had to get out of the military with an involuntary honorable discharge. There is no way to track how many payments were considered under that program and while I am paying an income based payment my interest is not being covered so the balance has been climbing and climbing. What can I do?
I want the " late payment '' changed to " current '' on all credit bureaus. This is what happened : After speaking with a representative of XXXX XXXX, XXXX XXXX, on XX/XX/2018, she sent me the wrong payment contract ( see attached ). A week later, another representative called to inform me that XXXX XXXX sent the wrong contract. I reviewed, signed and sent back the corrected contract ; however, it was too late because XXXX XXXX had already reported to the credit bureaus that my accont was late ( XX/XX/2018 ). I was devastated as I worked very hard to bring my score up to XXXX over the past year and a half. 

I contacted the company to correct a " late payment '' to " current '' after having a conversation with VP of Center Manager, XXXX XXXX. He informed me that this issue would be corrected. It was corrected within the company ; but, not with the credit bureaus. It is reporting as " late payment '' on my credit report and caused by score to decline from XXXX to XXXX ( XXXX ) ; XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ). As you can see, this late payment has seriously harmed my credit score due to an error on their part. 

I sent a certified letter to XXXX XXXX explaining above and they still refuse to correct this issue.
THE FOLLOWING INQUIRIES HAVE NOT BEEN AUTHORIZED. WHEN I CONTACTED THE COMPANIES THEY TOLD ME THAT I HAVE TO TAKE IT UP WITH THE CREDIT BUREAU. THERE WAS NOTHING THEY COULD DO. 

1.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX O-NLY 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies None provided
Resurgent obtained the right to collect on our mortgage. On XXXX XXXX, Resurgent agreed to release the lien within 30 days after we sent them {$5700.00}. They have not released the lien. On XXXX XXXX, they said that I had to pay them by XXXX XXXX, or the deal was off and I would have to " renegotiate '' with them. When I tried to explain that the cashiers check had to come from Florida and be mailed to them, their representative, XXXX, raised her voice and harshly let me know that was the final word. I told her that I would get the check to her as soon as I received a letter committing that the payment was payment in full and the lien would be released within 30 days of receipt. On the XXXX, we had received nothing. We called every day and were continually assured by both XXXX and her supervisor XXXX, that the letter was in the mail. On the XXXX, I spent money I did n't have to get an online fax account. On the XXXX, XXXX faxed me a letter which met my criteria and I put the check in the mail. They received it on the XXXX of XXXX. On the XXXX of XXXX, I received the letter from them which bore the date of XXXX XXXX. The letter had been franked on the XXXX and accepted by the post office on XXXX XXXX. I think the letter was backdated and they intended for me to get the letter after the XXXX so they would have an excuse to demand more money. Alternatively, if I had been foolish enough to send the check without their written commitment to accept it as payment in full and release the lien, they could have demanded more money. The letter states that the paperwork will be sent to me but Kentucky law states that original paperwork has to be sent directly to the county clerk 's office, with copies to me within 30 days. I did not know that at the time, but I do not think I am responsible for telling them their legal obligations. I called them several times today trying to straighten this out. XXXX was surprised today when I told her that Kentucky required the original paperwork be sent to the Clerk. XXXX finally told me she would look into it and told me she would call. I waited 15 minutes past the time she said she would call and then called her. She was at lunch. Her supervisor has been " in a meeting '' all day. This is typical of the way this company operates. Tomorrow I will send them a copy of applicable Kentucky law along with mailing and contact information for the XXXX County clerk here in Kentucky. Please incentivize them to end their coffee break and do their jobs.
I was pre qualified for a XXXX XXXX XXXX  card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called XXXX XXXX and told them I was not happy about this and to cancel my application and remove the hard inquiry.
Discover loans sent me a letter regarding a ruling that CFPB made in XXXX XXXX, XXXX regarding the illegal activities that Discover was engaged under the XXXX XXXX XXXX. The ruling clearly states that I should receive up to {$300.00} for tax preparations for XXXX and XXXX, but they chose to give me just {$75.00} credit per year. My tax preparation costs are a lot more than {$300.00} and surely more than the {$75.00}. So I want to make sure that Discover pays the {$300.00}. 

I spoke to the following people at Discover and none of them were willing to listen to the official ruling that is on your siteXXXX
Ditech personnel have called multiple times requesting different amounts to catch up and pay double payments to keep from foreclosure, but when I start to agree and make payments; then another call states somebody else is over account and no notations were made about agreement to pay and again threat of foreclosure and will not email or state anything in writing. just phone calls.
After missing one payment in XX/XX/XXXX, and making two payments on XX/XX/XXXX, in the amount of {$290.00}, the second payment was NOT counted as a payment. Late fees accumulated. 

My subsequent payment on XX/XX/XXXX was ALSO not counted as a payment, and I have been assessed late fees even though it was made at a time when the account was not in arrears. 53 Bank   is refusing to handle this or apply my payments correctly. Their online system does not give a user the ability to designate payments, does not notify users how it designates payments, and there are no statements or alerts whatsoever. This product is clearly designed to chisel people with late fees and is predicated on dishonesty. I want everyone to know that 53 Bank is terrible regarding the basics like accepting payments. All you have to do is miss one payment, and then they have you.

Vile, filthy and disgusting people at 53 Bank.
I took out a personal loan with this company Avant.This loan was a 36 month loan. On XX/XX/2018 I paid this loan off. Avant sent me a payoff notice. I was checking my credit report and Avant was reporting to all the three credit report agencies I still owe a payment reporting the month of XXXX. I contacted XXXX and disputed the information and told them this account has been paid in full. Avant has responded and they closers my account affecting my credit. They should have just reported that this account was paid in full. I made all of my payment They should let me report if I wanted this account close I feel they just tryed to mistreat me by reporting this
the truth in detail is this. i enrolled in a debt settlement plan to settle with XXXX creditors. only XXXX is giving me trouble. that XXXX is us bank. as soon as enrolling i mailed them copies of my XXXX award notice. i was considered XXXX as of XXXX XXXX, XXXX im already over XXXX and will not be returning to work. i am XXXX per my primary caretaker and ssa. my income of course has taken a hit. im single and ssi is my ONLY income. no XXXX no savings no XXXX income because im not married or even living with anyone. i have no children but its still nearly impossible to even get buy. after mailing in a XXXX x XXXX envelope the whole story to us bank, they said we understand your situation but you are not qualified for a hardship right now. what?? who could be more qualified. my XXXX letter to them was a cease and desist letter. they wrote back saying they would not call but would still right. NO, NO, NO. they were entitled to send XXXX letter saying they received the cease and desist letter. however after the XXXX letter no XXXX creditor or otherwise can contact you in any way. i responded back telling them that if they even sent anything to my mailbox ever again it was a minimum of a XXXX dollar fine. heres the deal. im 100 % judgment proof. XXXX gives me a XXXX property exemption. well i dont own that much property and my ssi payments are 100 % garnish proof. so i tell them i could just not pay anything but being honest i wanted to pay them something instead of nothing. thats why i did the debt settlement program which will be XXXX more payments. so today in the mail XXXX XXXX, 2016 i get more mail from them. that breaks the cease and desist violations. i want and demand justice.
I am submitting the Amended Police Report to Chex-Systems. I have disputed several address and reported information but Chex-Systems continues to come back to me and tell me that it is n't enough the dates are wrong or they flat out just deny it. Please remove all reported information from my Chex-System consumer report. Please only leave my actual mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXAnd send me an updated consumer report
my loan is being managed by XXXX. 
I have been trying to get my repayment plan corrected since XX/XX/XXXX. I have been provided a series of misinformation and horrible customer service. There have been horrific errors to my account including at one point changing my name to my spouses. The company through your help agreed to allow me to make payments for the missed months to count toward my PSLF plan. They required me to recertify I work for XXXX XXXX months early to do so. I have 2 dates listed on my file a computation date XX/XX/XXXX and a station eod date XX/XX/XXXX. They are denied my PSLF application bc the prior application had the eod date and the current one had the computation date. Now none of my payments are being counted towards my PSLF and the back payments I applied ( when I was originally in forebearance during that time ) have counted toward my PSLF either. This has been a total nightmare with me in tears every time I speak with them. The last rep was just heartless and totally empathic especially when it was this company that had disastrously messed up.
I had sent a notice to Navient on XXXX XXXX, XXXX regarding private school loans they are showing these loans as open and past due even though they had charged them off and last year had sent them out for collections and were harassing me about them. I am including a copy of that last notice, but want them to remove these from their system and stop requesting payments : XXXX XXXX, XXXX Navient XXXX, PA XXXX Re : XXXX - Account # XXXX To whom it may concern : I am writing to inform your company that I will not make any further payments on XXXX of the loans that your company is servicing and claiming still open. These loans should have been discharged in my Chapter XXXX Bankruptcy, however even though no representative from your company or any other attended the creditor 's meeting your company still determined these were collectable debts afterwards. 
Under duress of legal action against me I was pressured to make the last payments on XXXX XXXX, XXXX towards each of the loans. 
Since then I have informed your company and debt collection agencies you have employed that I will not be making further payment on these private loans. Under the California Civil Code the statute of limitations of four years from the last payment has expired and they have become legally uncollectable. 

Therefore under this law I am demanding no further action should be taken to obtain payments or settlements of the below noted loans including notices, solicitations or requests of any type including Navient 's website which continues to show these as late and is demanding payments to be made. 
I have worked to resolve the federally insured loans having consolidated the debt and will continue to pay on those consolidated loans. 

I am also demanding an acknowledgment from your company of this matter and that these should no longer be reported as open debts on your website or any other records of your company. 

The loan numbers are as follows : XXXX XXXX XXXX Sincerely, XXXX, CA XXXX They did not respond to my letter in any way and continue to show these as delinquent on their website and any time I try to make payments on loans that I have put into a modified loan their system still asks for payment.
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. Also notice.d that my date of birth was incorrect
i called chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant in the past Merchant : XXXX XXXX # XXXX XXXX in transaction date : XX/XX/2018 amount : {$2100.00} claim filed date : XX/XX/2018
I am in desperate need of assistance. I submitted a modification packet t o Ditech s ince  XX/XX/2016   . However they keep prolonging my case making me fall further behind. By doing that my documents got expire, had to re-summit everything again.     I have tried to work wit h Ditech but nothing is been done. I have provided more than twice all my documents to Ditech.  today I spoke with my assign  specialist   XXXX    XXXX   XXXX   XXXX   he told me there were no new notes, from the escalation that was submitted. At this point I am more than sure tha  t Ditech is practicing fraudulent and deceptive practices in order to prolong my case and to deny me any assistance.
I am tired of Ditech taking advantage of me because I am a elderly person. Ditech is aware that my intentions are to keep my house with an affordable mortgage payment. I am in desperate need of assistance. I have cut lots of unnecessary expenses to make sure I can be provided a modification. At this point I believe Ditech wants to foreclose my home instead of offering me a modification.
Got a bill for a credit card I never received. Bill is for 3 years ago that just came in today 's mail.It is from PAYPAL CREDIT,XXXX XXXX XXXX, # XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX. The company never stated before using them on XXXX, that an an account was established with a XXXX digit credit card # and consumer has to pay for the service monthly. I used it a few times 3 years ago and got a bill for it of {$130.00}. THIS IS CORRUPT AND UNFAIR! I WANT THIS REMOVED AND GET XXXX BALANCE!
I made a XXXX transfer for {$2300.00} from my bank of America checking account which in error was sent to the wrong account. Once I was aware of the error I contacted Bank Of America online services regarding the error. I was told the process could not be stop at that time but once the transaction was complete they would be able to retrieve my money back. The next morning I went into a BANK OF AMERICA Branch I spoke with a bank representative regarding this matter and was told that there was nothing he could but file a claim. I told him I has filed one already so he check the status and said it was still processing and once it was complete they could retrieve my funds. After a few days when my money was not place back into my account I called a online representative and then I was told that they was not able to make contact with the account holder in which the fund was place their was nothing else that they could do because it was a third party transaction and that I would have to contact the account holder. I do know the person who account the FUNDS was deposit and BANK OF AMERICA refuse to provide me with that information. BANK OF AMERICA states it has no responsibilities or liabilities to protect its customer from fraudulent XXXX transaction and XXXX in error transfer because XXXX is a third party. XXXX is a U.S. based payments network owned by XXXX XXXX XXXX. A private financial services company owned by the banks. In which BANK OF AMERICA is one of the owners. My money transfer was not a third party transfer XXXX is part of BANK OF AMERICA.
My name is XXXX XXXX and I am in desperate need of help. XX/XX/XXXX I refinanced my home and the title company who completed the transaction never recorded the Discharge of Mortgage which paid off by the refinance. I also refinanced a few more times since then and no other back made mention of this. I am now in the process of selling my house and one week before closing this came up. I can not sell it without the discharge. The title company which handled this XX/XX/XXXX went out of business. The holder of the undischarged mortgage was XXXX XXXX XXXX which went out of business and was acquired by XXXX. XXXX also went out of business and was acquired by Chase. Basically, I 'm XXXX. Anyone who may have had documentation of this payoff no longer exists. I 'm now trying to work with Chase to get a discharge letter but am hitting roadblocks right and left. 
The sale of my home is critical. The proceeds from the sale were going to go to my daughter to pay for her wedding. That is now in serious jeopardy. I do n't know what I 'll do if I ca n't sell the house. My daughter is stressed out and crying for fear that her wedding may be in ruins. I 'm not in a position to rack up credit card debt. I need the cash from the sale. Furthermore, the family which is in the process of buying my house is now displaced due to this problem as they have already sold their home. The husband and wife and XXXX little girls are living separately with relatives until this gets resolved. 
Please help! I 've been victimized by the predatory lending practices and disregard for people 's personal well-being of XX/XX/XXXX. The sloppy work done by the lawyers back then is hurting me and my family today. Can you please intervene with Chase Bank and urge them to produce a discharge letter? I have a case number with Chase of XXXX. The phone number for the Chase Lien Release Department is XXXX. 
I appreciate anything you can do to help. 

Sincerely, XXXX XXXX XXXX
A bank account was opened in a Wells Fargo bank in XXXX XXXX, California in my namewithout my knowledge. I was a victim of identity theft. For two years the person said I worked for XXXX for him as a care giver He had a direct deposit of the checks placed in a Well Fargo account .At the same time I was in negotiation with the IRS to settle for back taxes owed in the years XXXX and XXXX. They said that I did n't report the income earned for these two years. The settlement agreed on was denied as a result of the identity theft. The XXXX XXXX police arrested and convicted the person involved. The police showed me forged signatures of an account opened in Wells Fargo bank .I contacted WFB and they say there is no account in their system that matches the detectives findings. The fraud claim was denied by WFB. The case number is XXXX. They sent me a letter on XXXX XXXX XXXX to contact XXXX XXXX. XXXX times I tired to reach her. No phone call back I have contact XXXX XXXX a higher up supervisor. No phone calls have been returned. I want my name cleared with a letter to the IRS and SS. {$25000.00} was stolen from XXXX in this fraud and not XXXX person seems to want to help me .I have proof from the police report, SS and the IRS and WF refuses to admit wrong. I 'm XXXX, living on {$1100.00} a month. I need help. I do n't have the resources to fight them. Please help.
The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXX, XXXX XXXX, XXXX XXXX
On XX/XX/XXXX my husband paid Transworld Systems Inc ( TSI ) the full amount to pay off a medical debt and one other account that they said that I owed. My husband verified that this satisfied all debts owed to TSI, and was told that it did. However, the account continues to report to my Credit Bureaus. I requested disputes with XXXX twice ( thinking that XXXX and TSI were the same thing ) - both times the balance changed, but only by small amounts, and the account stayed on my report. We contacted TSI on XX/XX/XXXX and spoke with an agent. We advised them of the situation, gave them the confirmation number and the date and amount of the payment ( which we have the records of ). We were told that the account was paid off and that they would remove it from my credit and send us a letter stating that the account was paid in full. We have not received the letter and the account continues to not only report on my credit, but to also increase in balance each month. TSI has had 5 months to report the account as Paid in Full. Instead, each month, over the last 5 months, they have reported the account delinquent and increasing in balance.
Hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX No contact information has been reported by this creditor.
1. PHH Mortgage ( XXXX, NJ, XXXX ) recently took over my Mortgage / Servicing. 
2. PHH has taken a flurry of actions ignoring the documents I have submitted so far. Specifically : a. Increased my need for Flood insurance unilaterallyb. Purchased additional insurance on my behalfc. Initiated an ESCROW account3. All the above without giving me due notice. All the while ignoring all my communications with them ( email, mail, customer service phone calls ).
I have requested on five different occasions through various forms of communication to try and have some place called XXXX XXXX   verify and validate a debt which is being reported as in collections which I discovered after reviewing my credit bureau reports. I dont understand how a business can claim a debt is mine and then destroy my credit history without contacting me first. I have tried calling and they tell me they can not verify me. I do not believe this debt of {$4000.00} which is showed by the CRAs is a legitimate debt of mine. They can not even verify who I am when I call because they tell me that the information the have doesnt match. I have written a letter requesting debt validation and asked how they verified the debt was mine and I never received a response. I have disputed through the credit bureaus that the debt is not verifiable and they tell me that it is verified and will not tell me how they figured out that is is a verified debt. This is fraudulent. There should be a criminal investigation done. I will continue to report this fraudulent attempt to collect money from me until it is removed.