WillisBack/dataset-financial-user-claim huggingface dataset:
My student loans were consolidated in XX/XX/XXXX for the express purpose of getting on an income-based repayment ( IBR ) plan. I paid directly to the US Department of Education until my loan was transferred to XXXX in XXXX. In XXXX, my loan was transferred to XXXX, who I paid until my loan was transferred to XXXX in XX/XX/XXXX. On XX/XX/XXXX I received an acknowledgement from XXXX regarding my Employer Certification Form ( ECF ), and in doing so XXXX reported only XXXX qualifying payments from my qualifying employment begin date of XX/XX/XXXX, XXXX years earlier. 

I called XXXX and spoke to a customer service representative named XXXX and was then transferred to her supervisor named XXXX. The supervisor pulled up what records she had access to, and here is a summary of what we determined before the phone call ended : XXXX : 3 qualifying payments made in XXXX, XXXX, XXXX. The XXXX payment was outside window and so didnt qualify. She would have this payment reviewed. 

XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX had qualifying payments. No qualifying payment for XX/XX/XXXX due to administrative forbearance. No qualifying payment in XX/XX/XXXX. Supervisor reported she would have these payments reviewed as well. 

During our conversation, she was not sure why these payments that appeared to be qualifying were not treated as such. She mentioned something to the effect about my being in forbearance while I paid them. If I was in forbearance, why would I make payments? This response didnt make sense. She said something like, If you submitted payments under umbrella of forbearance, they dont qualify. You can request in writing to have the umbrella of forbearance removed so they do qualify. 

Satisfied that my payments from the beginning of my qualifying employment WERE indeed in their records, and that there seemed to be an easy process to rectify the situation, the phone call ended with the supervisors assurances my payments would be reviewed and I would hear the updated count on qualifying payments in about 60 days. Note that it took nearly 5 months for me to hear my original, inaccurate count from XXXX after being transferred to them. 

After more than 60 days of not hearing anything about an updated count, I called XXXX again. This time I was told that my case had been referred to the Dept. of Education who apparently is responsible for reviewing my qualifying payments and to continue waiting. It is now 8 months later, and I still havent heard anything. In sum, it has been 10 months since a review was promised, and 15 months since the original error in payment count was made. In short, my payments to all providers before being transferred to XXXX are not being counted/acknowledged as contributing towards my PSLF, despite being at the same employer ( professor at state college ) the entire time. I have always been in an income-based repayment plan. I want XXXX to acknowledge my payments to XXXX, XXXX and the US Dept of Education, and to receive an accurate, updated count of my payments toward PSLF.
I have received letters from National Credit Systems Inc. located in XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX They claim I owe {$3000.00} from XXXX XXXX XXXX where I have never lived.
I have sent several letters to all three credit bureaus asking for them to remove a debt from National Credit Systems, after they have failed to validate that the debt belongs to me. All I am getting is " this account is verified. '' HOW? How, is it verified when you can't send me a signature, a lease, or anything! The creditors name is XXXX XXXX XXXX, for the amount of {$2300.00}. I most recently asked XX/XX/2017. They still can not prove that this debt belongs to me. By saying that it is " verified '' is not enough proof that this debt is mine.
I had 4 student loans and have paid 2 off.

I have 2 more loans that I am struggling to pay. I placed them under bankruptcy 7 years ago but don't think they went through and have been paying on them.

I am struggling to pay them off and they increased my interest rate from 10.75 % to 11.50 %? Talk about crooked practices and unfair. It makes a person want to stop paying all together, what is the sense if they make it so unattainable.

There are thousands of complaints just like mine toward Navient yet NOTHING is done about these giants!

Government corruption at its finest!
Hello, I am a victim of a fraud for false vacation rental for XXXX $ perpetrated by a fellow BOA account holder : '' XXXX XXXX Account # XXXX ''. 
BOA allow this person to create an account to perpetrate this fraud under the above alias and did not adequately ascertain their true identity. 
I have a " move money team '' XXXX # XXXX in progress via XXXX. 
I would like BOA to reimburse me {$800.00}. 
I have been a satisfied preferred account customer many years hope BOA can make this situation right. 
Thank You. 
XXXX XXXX XXXX
I have american express personal platinum card XXXX, which has XXXX points which I would like to transfer to airline partner as advertised by AE. 
I kept getting this message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I have the card for a long time, and I believe this action from AE prevented me to transfer points and use points for airline at a timely manner. 

XXXX XXXX
I have sent the company Credit Bureau Associates several notices to advise them they are trying to collect on a debt I no nothing about. 

What I find immensely frustrating is that I have sent them several letters in this regard and they continue to ignore me and report the unknown account on my credit but it reads on my credit " creditor can not locate individual ''
I recently pulled all  XXXX  of my credit reports. I noticed  XXXX  collection accounts from AFNI. I called and spoke with a rep who tried to inform me that I was indeed liable for the date. When I asked them to send me validation that indeed the debt is mines she informed me she would and I provided her with my email address along with my mailing address. 30 days have passed and I have yet to receive anything. I contact them again on  XXXX / XXXX / 17  and was informed that the information had been mailed. She was unable to provide me with an exact date. After asking for them to remove the information from my credit since it was not able to be validated she gave me every excuse on why she could not delete it and ask for payment again for the 3rd time.
I received a notification in XXXX that a suspicious charge had appeared on my Sears/Citibank XXXX. I called the company and confirmed that I had not used the card since XXXX. They closed out that card and issued a new card. That number was also used fraudulently. Another card was issued and the same thing happened. I called again and was told that hackers get the card numbers from merchant databases. I explained that I had NEVER used those two cards, and that the fraud had to be coming from within their company. The third time I called, I asked for the account to be cancelled and all charges reversed. I was told I would receive a new card and I said, " You do not understand me. I do not want a card. I want the account closed. '' They apparently opened a new card number, and someone is again using it. I followed up with a letter dated XXXX XXXX. I am getting billing statements for these fraudulent charges and now the overdue status has hit my credit report.
I received notification from USSA regarding an automobile payment being more than 30 days past due, therefore it was going to be reported on my credit. USAA is stating that I made the payment on XXXX XXXX of 2015 ( which was two days past the 30 + days time frame ). I have called the company and asked for clarification as the payment was made on XXXX XXXX, 2015 ( one day before the cut off date ). The explanation given to me was that though I did the correct thing by making the payment the day before it was 30 days past due, they can not remove the credit reporting. Their reason is that because I do not have a banking account with them, but I do with a third party bank, it sometimes takes longer for USSA to process the funds. Despite a long telephone call, there was no resolve. I explained to them that I have no control over how their company financially operates, I only have control over when I made the payment and it was before the date they are claiming. I feel that this is a deceptive business practice and should be looked into further. There is no reason that my credit should have a blemish because of their practices, which I have no control over. I also asked if I made a payment that technically was n't late, but my funds were not processed by USAA before the date in which it would be considered late, would I get a late fee - and I was told yes. Basically, no matter what I do or when I pay, it 's when THEY decide to get the funds and they go by that date. This is not fair to the consumer. I was told that I would have to go through a long process with disputing this with the credit bureaus, which I do not have time for and should n't have to go through the hassle due to their " business practices ''.
I keep receiving phone calls from Portfolio Recovery, even though I keep telling them that they are calling my cell-phone, and that I want them to stop calling me at this number. The most recent call was from ( XXXX ) XXXX, and the caller stated that her name was " XXXX XXXX. '' I informed her that I have repeatedly told Portfolio that they are not permitted to call me on this number, and they refuse to comply.
On XX/XX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XX/XX/XXXX and spoke to a manager XXXX XXXX XXXX. I asked him for the reason why my account was closed without any warning and he basically just repeated what the letter had stated and that he could not provide any more details. I stated that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$3300.00} if they are redeemed towards travel expenses XXXX hotels, airfare, etc. ). I have been a Barclay 's credit card customer since XX/XX/XXXX, and I am unhappy with the way that they have closed my account. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning.
Today, XX/XX/XXXX, I had contacted Procollect to pay off a debt of XXXX from an apartment back in XXXX. I was never notified of this debt via Procollect but decided to pay anyhow since their debt is preventing me from another lease. I had originally asked for a Pay to delete and was told that they are unable to perform that but would send me a payoff letter via email. I strongly advised that they pay to delete this debt but they continued to explain that this was not possible. After awhile of arguing I decided to pay anyhow and would contact a financial advisor later - the financial advisor told me that that Procollect could definitely do a pay to delete but that they refused. Why was I lied to? I have called back since and spoke to a very rude gentleman asking again if they would kindly delete the mark off of my credit so I could get a new lease since I had paid in full but he was extremely unpleasant and continued to tell me that they could not do that. Come to find out, they can definitely do this but just did not want to. I need this deleted in order to have a roof over my head and feel that I paid them for absolutely nothing. I have no idea what to do and wish they would have at least been honest. I need this shown deleted, not just paid in full. I am trying to do the right thing and repair my credit but this is one place I wish I would not have paid since I have nothing to show for it. Please help!
MY IDENTITY WAS STOLEN SO A FRAUD ALERT WAS PLACED ON MY CREDIT. I AM NO LONGER ABLE TO OBTAIN A CREDIT BECAUSE THE TELEPHONE NUMBER ON THE ALERT FILE IS WRONG SO THE CREDITORS ARE UNABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED TO CORRECT THE WRONG INFORMATION BUT WAS UNSUCCESSFUL.
XXXX XXXX has called me and my job and I dont even have any letter from accelerated credit so I dont even know what it is in regards to. He called from number XXXX ( XXXX ) XXXX. When I XXXX this number the complaints are he calls for Debt collections for urgent care however I dont have an urgent care bill the last one I got was in XX/XX/XXXXand paid the XXXX dollars. I would like him to please stop calling and send Debt validation
Citi bank initiated redeem my reward money by check XXXX month ago, I still do not get it.I did contact to them XXXX times during that period. Yesterday I received a letter from Citi it written they do not understand what I request it do request me to send a signed letter. They did start it I did not They know what I want and asking, remember they initiated all this.
I am a cosigner on a private student loan for my daughter attending a XXXX university. In XXXX of XXXX, I was sent a letter notifying us that the loan was fixing to go in default because my daughter graduated in XXXX XXXX from the university. Payments for the loan was to begin in XXXX XXXX. A billing statement was received with the loan with monthly notes at {$410.00} at 10 % interest for {$25000.00}. My daughter and I both contacted the loan institution to see if refinancing was a possibility in lowering the monthly payments for her since she did not have a full time job as yet. Since XXXX of XXXX, my financial picture had significantly changed. My job required me to relocate XXXX hours away from my permanent residence resulting in purchasing temporary housing, added expense in gas and expenses to live away from home. We applied for financial hardship and payment assistance through the loan institution where they asked for additional documentation that we collected and faxed to them more than once in the timeframe requested.. We were denied the assistance. It was difficult in contacting the person in charge of our account and now the balance is increasing. I can afford to pay XXXX half of the payment amount that is required. My credit rating is reduced because the institution refuse to negotiate the monthly payments until our financial situation becomes better. My daughter attended XXXX University in XXXX, Texas.
I entered into a contract with a kitchen co. to design, fabricate and install a new kitchen in a XXXX apt XXXX in XXXX Prior to kitchen delivery, the co. forced me to pay the balance of {$11000.00}, or delivery and installation would not be done. My wife and I had a 2 month old infant without a kitchen, so I reluctantly agreed, and payed with my American Express card, affording me the opportunity to have protection in case of any problems. 

After the delivery and installation of the kitchen, I observed shoddy workmanship and poor material quality. I notified the company, and they made half hearted attempts to correct the problems. The kitchen is not completed, filled with outstanding issues, as per the contractor 's own punchlist, and contractor has ignored my requests. 

I subsequently discovered that he is not licensed by the XXXX, or as required by the XXXX rules, to perform any kitchen work. 

I immediately notified American Express, submitting documentation of the unfinished kitchen, no license, etc. To my astonishment, after receiving and " reviewing '' my documents, Amex has payed the contractor, and refused to issue me a credit. I have written and submitted my documentation to the president of American Express, who delegated my problem to a low level employee XXXX, who declined my request. 

Rules, including licensing requirements, are mandatory and to be followed and adhered to, by all contractors. Amex 's weak response is unacceptable in light of the overwhelming evidence, including an incomplete and flawed kitchen.
I applied for XXXX in XXXX and submitted the XXXX to do a short sale. The servicer SLS issued an approval good for 120 days. I did not have a buyer and switched to do a loan modification. The modification was declined. I recently listed my home in XXXX and have found a buyer. SLS will not allow me to participate in XXXX anymore and said that it had expired back in XXXX. They said they only allow the homeowner 's a one time courtesy to participate in the XXXX program. I need help with relocation assistance because I was unemployed for some time and that was the cause of my mortgage delinquency. I have requested them to provide me the investor information and contact info, but SLS will not provide the contact phone number, only the name, which is XXXX XXXX. I do not understand why SLS is saying no, as the investor also gets reimbursed and paid money from the XXXX program. They are not willing to make any exceptions. 
I currently have a buyer who also is willing to pay for the XXXX delinquency dues of $ XXXX. The short sale has been over 30 days now and submitted to SLS. I do not know how long the buyer is willing to wait. I have already received the Notice of Default on XXXX/XXXX/16 and if the buyer walks, the investor can proceed with filing a Notice of Trustees sale and the property be foreclosed if I ca n't find another buyer that is willing to pay an additional $ XXXX out of their pocket. 
The only thing holding up the close of this short sale is SLS not allowing me to participate in the XXXX program. SLS has everything else they need to approve the short sale.
I originally had a parents plus loan with XXXX XXXX now owned by Navient the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my credit report
Ocwen Loan Servicing and its employee XXXX XXXX are continuing the same abusive servicing practices it was ordered to Cease and Desist. Do to the abusive servicing practices I canceled out the increased none negotiable loan modification with outrageous balloon payment then submitted a application for assistance to avoid the illegal seizer of my home until I can get justice in a court of law. As of today, I still have n't received a response. I have added the Consumer Financial Protection Bureau as a defendant to the lawsuit because they failed to take action against Ocwen Loan Servicing, and because of all the past quiet XXXX dollar settlements in agreement allowing Ocwen to admit no wrong doing which has allowed Ocwen to continue its abusive servicing practices allowing Ocwen to keep committing fraud against me to embezzle my home to enrich themselves while the CFPB shuffles its millions. The Consumer Financial Protection Bureau is not designed to protect homeowners from abusive loan servicing practices it is designed to receive millions in settles in exchange allowing Ocwen to admit no wrong doing when Ocwen makes false promises to clean up its act. The same old story! The same old quiet XXXX dollar settlements! The same old abusive servicing practices! The same old harassment! The same old demons running a muck! The same old family 's out in the streets with nothing left because of Ocwen manufacturing documents to be guaranteed favorable judgments to embezzle homes!
There was no initial or any other type of communication on the alleged medical debt being owed. And no written notice was sent communicating name of the creditor, the amount of debt and other necessary information in accordance with section 809 of the Fair Debt Collection Practices Act ( FDCPA ). 
Sometime in XXXX I requested for my credit report and noticed the score had dropped from XXXX to XXXX. I took a second look and discovered a debt of {$1300.00} from XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX. I am not personally liable for my medical bills, XXXX XXXX care my Insurance company takes care of all my medical bills. I contacted XXXX XXXX care and was told that they never received this claim from XXXX XXXX XXXX XXXX. They assured me that if the claim was made they would pay. However, XXXX XXXX XXXX refused to speak to XXXX XXXX XXXX and they refused to send me information on what they paid for despite promising to fax same to me on several occasions upon my requests. 
I retrieved my health records to verify their position. Thereafter, I called XXXX XXXX XXXX and requested for information on the debt, but they were not forthcoming with that. After my incessant phone calls, they promised to suspend the debt from my credit report but never did that as well. 
I strongly believe that a collections agency should conduct its proper investigation before going after individuals for debt. If extensive investigation was conducted, XXXX XXXX XXXX would have known that I am not individually liable for medical bills and it would have discovered that I do not owe this debt. It would have also contacted the Insurance Company to pay the bill or presented the bill to the Insurance Company.. My credit score is hurting due to the unlawful and negligent act as well as unprofessionalism displayed by XXXX XXXX XXXX. Moreso, no communication was sent to me on this claim. I would like to strongly state that I do not owe this debt. 
At present, all I want is the entry to be deleted from credit report. 
Thank you.
XX/XX/2017 I have written both Transunion and XXXX concerning XXXX bogus collection accounts and they still remain. Attached is the results of the XXXX  investigation into the accounts. 

Please Remove!
I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX on X/XX/2017 in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is finger hut and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.