WillisBack/dataset-financial-user-claim huggingface dataset:
My payment records indicate the Bill Generation Date is XX/XX/XXXX. With a statement from XXXX stating I had past due amount of XXXX dollars ( XXXX ) dollars per month. It is now XX/XX/XXXX and I have received information that my Federal Perkins loan has entered default status. I have made two attempts to send paper form forbearance requests to the company via paper mail. The first one was lost because it was sent to the wrong branch of XXXX. The second was obviously either not received ( I made specific attempts to get the address correct on the 2nd mailing ) or they did not apply it before they changed my loan to default status. I have encountered much confusion and inability to access my account online due to the multiple branches of XXXX and the changes that have taken place within the organization. To my knowledge my account has only been diliquent for 4 months. Of which time I have attempted to apply for forbearance. At this current time I am eligible ( Or would be if I was not defaulted ) for deferment due to in-school enrollment. The information I have researched on Federal Perkins loans indicates a 270 day Grace period, of which this has absolutely been cut in half. I have made successful attempts in the past to get this loan into forbearance and deferment. The past year XX/XX/XXXX I was enrolled at a federally recognized university for the XXXX semester XX/XX/XXXX-XX/XX/XXXX. I took time off until due to mental and emotional healthy until my semester starting XX/XX/XXXX. I received multiple letters from XXXX at the end of XX/XX/XXXX, which I saw a balance of {$0.00}. I thought that I was current on my forbearance and deferment. I could not keep track of my online account because no one was able to sufficiently provide me with the information needed to access the proper avenue of displaying my current and correct XXXX information. I'm just lost for words and don't understand. Now I have no idea whether I will be able to receive financial aid for this current term of school or whether they will suspend eligibility due to my negative interactions with XXXX. The company is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA. XXXX, they have sent my " defaulted '' loan to The U.S. Department of Education ( the Department ). They say I have 90 days to pay it off in full and 60 days to contest it. Meanwhile I'm generating $ XXXX in either charges or interest, I'm not sure. My interactions with XXXX  has caused me a great deal of emotional distress. I am completely dissatisfied with their online account systems of trying to gain current information on the status of my account. It has failed me tremendously. I don't know what to do. Due to my inability to access my account online I have not been able to keep a concurrent record and tracking of my forbearance status. I would love to obtain all records from XXXX and see what their records reflect.
upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.
I applied for an apartment in XXXX on XX/XX/XXXX, about couple hours later I was emailed a copy of a Rental Report. In the report it reads, a rental company filed evictions against me three different times. The first one was on XX/XX/XXXX then XX/XX/XXXX and the last one on XX/XX/XXXX for an address I NEVER LIVED AT. With that information I was declined for the apartment.
On XX/XX/XXXX, I already submitted a complaint # : XXXX for JPMORGAN CHASE BANK. This complaint does not show on your website anymore. So I have to start over again. 
I have my house for sale in escrow. On the Preliminary report, Title shows a second loan mortgage # :XXXX of {$65000.00} which it was merged to my first loan mortgage # :XXXX with Washington Mutual/Chase Bank on a Loan Modification in XX/XX/XXXX. In other words, I do have only one mortgage with Chase ending # : XXXX. 
On XX/XX/XXXX, through my escrow officer I request demand and Reconveyance to Chase-JP Morgan Chase Bank/Washington Mutual Bank. 
On XX/XX/XXXX, my escrow requested by second to Chase/WaMu Banks time by fax ( XXXX ) XXXX a full reconveyance on the second loan, the bank did not answer. 
On XX/XX/XXXX, a third request was emailed to lien.release.customer.researmych@jpmchase.com through the Broker who represents me on the sale. All three requests have been sent with my Authorization Letter signed and dated authorizing XXXX XXXX XXXX, Broker XXXX XXXX, and my Agent XXXX XXXX to speak on my behalf ; a copy of Deed of Trust, Preliminary Title Report. All requests including my complain to your CFPB had been very specific, I NEED A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX. 
I have been talking to the Chase Customer Client every day, always with different person. Attached is a letter from Chase saying a specialist XXXX XXXX was assigned to help me. I've never been able to talk to this person I left her many messages with no answers. On XX/XX/XXXX, I received from Chase a copy of the loan modification # : XXXX that I did not request. Today, XX/XX/XXXX, I received the pay off of the same loan that I do not need either. I repeat once again that the only thing I keep asking for is A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX.
Debt verification letter sent XXXX. Response from debt collector, ERC, on XX/XX/28 and is just a bill. Nothing with my signature that verifies that this is my debt. Also the address listed on the bill is not my address nor have I lived in that home.
The deposits that were made for additional principal payments were not fully credited to the principal balance. According to the bank, some of the checks deposited were returned. 
We were never informed of the returned checks. Despite numerous requests to get copies of the returned checks, the bank failed to provide us with copies of the returned checks. Even though our requests were very specific, instead of copies of the returned checks, the bank kept sending us the account transaction history. 
[ The detail description of the issues is attached herewith. ]
CMRE Finance. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
I contacted Equifax after I noticed a few fraudulent accounts on my report. They deleted 2 out of 3, but have yet to show me proof of the information they used to validate the account belonging to me. 

I placed an initial 90 fraud alert on my credit with all 3 credit bureaus. 

Equifax has stated that the hard inquiries on my credit report they verified them factual and when I spoke with that on XXXX/XXXX/XXXX I explained to them that those inquiries was ran fraudulently.
Harris and Harris Collections calls and leaves messages EVERY single week. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and further back. 

When I have answered the phone, they are rude and deny that this debt has been paid. It was paid directly to hospital. They are harassing me and I am done with this XXXX.
The XXXX XXXX ( Now, XXXX XXXX ) originated in XXXX, XXXX, XXXX, XXXX. They were at very high interest rates which I could not afford as a student. These are all over 7 years old. Navient keeps putting them on my credit report despite that the debt is as much as 12 years old now.
XXXX  and Experian are not responding to my requests to investigate and rem ove one  account from my credit report that does not belong to me.
I was charged {$27.00} in late fees ( {$25.00} ) and interest ( {$2.00} ) on a {$.00} balance, that I thought was going to be paid automatically after having set up payment on-line. It was unclear to me that XXXX Bank only offers a one-time payment option, rather than autopay like all the other credit cards I have. When the {$.00} balance was not deducted on XX/XX/2019, I received the next statement on XX/XX/XXXX, show a larger balance of {$28.00}. I called that day to pay the {$.00} balance and request a refund of the fee and interest. That request was rejected. I am sending a letter to their Billing Dispute Department to hopefully have a refund processed. 

However, in addition to feeling like these fees are outrageous given the extremely small balance, I believe XXXXXXXX XXXX conduct is also deceptive. Their website should be clearer regarding the lack of an autopay option. Further, when I called previously about a missed payment, I was simply told that the issue was that I had set up for a one-time payment, not that XXXX does not even provide the option of autopay, leaving me to think I had just somehow made an error on-line and that if I resubmitted my request, I could activate autopay for future payments. Finally, during my call with XXXX on XX/XX/XXXX, I stated that I was not going to pay the fees and interest. I was told that that was my choice, but the amount would still be owed. Only when I asked whether additional fees and interest would be applied to the disputed fees, did the agent inform me that they would. This all suggests to me that XXXX prefers to be vague about its payment system and others procedures, so that customers incur additional interest and late fees. 

Last, I do not believe they applied the proper late fee, even if I am required to pay the fee. The late fee is capped by the balance owed. They charged me {$25.00} as a late fee, which was the statement balance at the time the statement was issued. However, a credit of {$25.00} was applied on XX/XX/XXXX, well in advance of the payment due date, leaving a balance of {$.00} being unpaid as of XX/XX/XXXX, the due date for payment.
On XX/XX/2018at XXXX, I entered XXXX XXXX XXXX in XXXX XXXX , NJ and proceeded to do my usual business a the facility. I wanted to use Western Union services, however the debit card slider component of the machine was not working and was told by the cashier that it had not been working for over a month. I told her that walking to the ATM at XXXX XXXX XXXX to withdraw a large amount of cash then back was unsafe. The cashier responded " don't know what to tell you '' I then went to the ATM and withdrew the cash to send at XXXX XXXX XXXX to do the transaction. The rude cashier then told me that Western Union was closed for the day, so I made the risky trip for nothing. I asked to see the manager and the cashier yelled at me and said " I am the manager!! '' and then kept screaming at me further saying " since you want to be a XXXX, it's not my fault it's Western Union 's fault '' I told the manager that there's no reason why she allowed this problem to persist for a month. Not everybody carries large amounts of cash on them for safety reasons. I angrily headed toward the door as the manager kept yelling at me then said " take your business someplace else! '' I said I was sorry if I angered her and she replied " no ''. I had been doing business at this check cashing place for over 10 years. This combative manager finds it easier to attack customers and lose business rather than getting Western Union problems fixed. In the past I have tried to ask who the owner of the facility was to resolved complaints however I was denied information, so there is no way to complain to the manager 's boss. This manager can verbally attack any customer she wants without any consequences.
Payment was late- no denial of that. But made the payment on XXXX XXXX, used our XXXX acct., NOT the XXXX acct., which is closed. Their system at some point used the wrong acct., and even though it was corrected, they 're still claiming the acct. is +30. We redid all info on their system and they received the payment on Friday, XXXX XXXX. My major complaint is that Ally Financial-who are the note holder - called me at XXXX today, XXXX XXXX ( claiming that the payment is 37 days overdue, which it is n't ). I have told them on at least FOUR SEPERATE OCCASIONS that I am currently on the West Coast on PDT, NOT EDT. Each time they have called at XXXX or so I have reiterated the time zone I 'm in.
I took a cab ride with XXXX on XXXX XXXX, 2015. I added my XXXX credit card to my profile to pay for the ride. About a week ago I started receiving collection calls from " PayPal Credit/BillMeLater ''. I logged into my REGULAR NON-CREDIT PayPal account that I opened a few years prior and came to find out that they WITHOUT MY AUTHORIZATION opened a PayPal credit account in my name and charged the {$60.00} XXXX Ride to that account. I NEVER received ANY statements or cards in the mail. I NEVER got any calls before last week. I WAS NOT AWARE of any PayPal Credit account being opened NOR did I apply for one. All I did was take a cab home from the airport and THOUGHT I paid with my XXXX card. Now, they are trying to say I owe them over {$160.00} -- I 'm guessing the extra {$100.00} are late fees.
I bank with Chase and have for over 10 years. The online bill pay used to work a bit differently- the funds were taken from your account when the recipient received the funds or cashed the check from Chase. Now funds are taken when the payment is made. I thought the funds were transferred electronically but that is not necessarily the case. My mortgage payment was made through online bill pay on XXXX/XXXX/2016, and over {$2400.00} taken from our account. When I received the XX/XX/XXXX statement from our mortgage servicer they did not show the XX/XX/XXXX payment had been received. I contacted them, went through the process of submitting information and waited for a response which took over a week, for them to tell me they needed a copy of the cancelled check ( I had originally submitted the only payment verification information available on Chase 's website ). I called Chase to get a copy of the cancelled check and was told after quite a bit of back and forth, that the check had not been cashed. Chase would apply a stop payment and the funds would returned to our account overall between processing, stop payment, etc. in 5-7 business days. 

Had I written a paper check the funds would still be in my account and I would have been able to easily see that my mortgage company had not received the payment. I could have simply made the payment online through their website to avoid late fees and any negative reporting on my credit. Now my mortgage payment will be 30 days past due and show on my credit because of Chase 's online bill pay process and because I do not have an extra {$2400.00} just laying around.
I HAVE SUBMITTED DISPUTES TO XXXX AND TRANSUNION ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
On XX/XX/XXXX, I sent an initial dispute to Chexsystems to verify the accounts listed on my report. Included in their results was an account from XXXX XXXX XXXX showing that I owe {$880.00}, however, they did not send any documentation the validate this claim. The letter simply states " They have also informed us that additional negative activity took place increasing the balance to {$880.00} at the time of charge off. '' On XX/XX/XXXX, I sent a follow-up letter to Chexsystems asking them for the documentation supporting that statement. On XX/XX/XXXX, I received a response from them. Once again, they failed to provide proof of this alleged {$880.00} debt. Please delete this account from my report, as Chexsystems is in violation of Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer. Thank you.
My  XXXX   XXXX  was sent to  Harris & Harris   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , IL  XXXX . I have turned my  XXXX  services back on in my name with the  XXXX  that I owe on my bill. I have given them a total of  XXXX   XXXX / XXXX / 17  confirmation number for the  XXXX  payment is  XXXX  # confirmation no. For  XXXX  payment is  XXXX  # my balance is  XXXX . That will be worked into my bill monthly with my re acquiring bills. So I want to have this taken off my  XXXX . I 'm working it out between  XXXX  and  XXXX   XXXX   XXXX .
I have been trying to fix my credit. But nothing seems to be changing. I then realized that there are some conflicting inquiries on my credit report. These are inquiries that I never authorized. Some I dont even know about. Others, I was pre approved, but they showed as hard inquiries on my credit report. I have contacted them but nothing good came out of it. Trans Union is not giving me a good answer each time I speak with a representative. They keep telling me they will look into it. XXXX removed the few I complained of long ago. 
The following were not authorized by me : XXXX XXXX XXXX ; XXXX ; XXXX XXXX, and XXXX offered me and my application was approved, but it ended up showing as a hard inquiry. XXXX XXXX, pre approved me, I accepted and was approved, but yet it showed as a hard inquiry. XXXX XXXX also pre approved me, but it showed on my credit as a hard inquiry.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
All data necessary to take out loans, acquire credit reports, etc taken in the hack. The severity of this is life alteringly bad.
A company by the name of XXXX XXXX XXXX   located in XXXX, California charged my Golden1 Credit Union Account in the amount of {$2300.00} onXX/XX/2018. I filed an Electronic Funds Transfer Dispute with Golden1 on XX/XX/2018 and explained to them that I had not done any business with this merchant and submitted all of my supporting documents. I called back a few days later for an update and was told my claim had been denied however, a reason was not inputed by the Claims Rep. I then requested to speak with a Supervisor and was transferred to Mr. XX/XX/XXXX, he couldn't provide a reason and stated he would return my call the next day, which he did not. I began to do a little research of my own and found EFT transactions are Government Regulated by Reg E. My Financial Institution where I have been a member for over 13 years and have two bi-monthly payroll deposits should have at least took a little more time to research my claim, contacted the Merchant to ask for supporting documents and followed the Reg E proper protocol and procedure prior to denying my claim.
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the  request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.
I have made repeated attempts to reapply for income-driven repayment plans in the past year while we have been XXXX. I submit the paperwork but receive no response and have been simply put on forbearance. Then payments start back up and I have to call again and go through the same process.