WillisBack/dataset-financial-user-claim huggingface dataset:
I have never missed a payment on my student loans, and have always used the income based repayment plan option. This past year I got married and filed taxes with my husband. We DO NOT share a bank account and for the most part do not share money as we have divvied up our monthly bills. He pays electric, cable, his car insurance, pet insurance, and home security system. I pay our mortgage, student loans, car payment, jewelry and car insurance. 

This year when I went to renew my income based repayment plan, they told me that since I filed taxes with my husband, that now I have too much income to qualify for that plan. Fine. What are my options? I was told a different thing from 3 different customer service representatives. One of whom suggested I go into forbearance for a month until they are able to transition me into a plan that is going to be XXXX dollars more for me a month. I pride myself in not missing any payments of any sort. I could not believe they were telling me this. The other 2 were helpful, however they kept keeling me to call back in XX/XX/XXXX which made me miss the XX/XX/XXXX deadline of signing up for a payment plan. Again, could n't believe they were telling me to call after the deadline. 

I was also under the impression that if you were in an income-based repayment plan, that your student loan would be forgiven after 25 years. I have already been paying my loan for 4 years, but with the new payment plan I was told I would have almost 27 more years of payments on top of all the years I have been making payments. I will be XXXX years old. 

To top everything off, I got my student loan interest tax form in the meal, and I am only paying off interest at this point! I am making no dent whatsoever in the balance of my loans. I am making over {$300.00} in payments a month ... that 's not exactly XXXX ... I feel like it should go directly towards the balance. Why is the interest rate so high??? Its killing me! 

My student loan payment is the only reason we are waiting to have kids. We make XXXX take home pay every year, which should be enough money to start a family, but this student loan is causing me to put my life on hold. I feel such desperation. I am working in the file that I studied in college, so my education is going to use ... Just wish I would have known all this when I was XXXX and applying for these loans.
They ran an add on XXXX about loans to help people start to improve their credit. In fact it seems they are out to extort me.they said that give me a {$500.00} loan with a low interest rate, payments of {$42.00} q month. In the coarse of doing that They coerce me into money lion plus club as part of a way to get help. Now they have tacked on a {$79.00} payment This I can't afford I told this, and drop this so call {$79.00} service They then told the only way I could was to pay off loan in full. I can't do that This could end up leading me into BK.I 'm XXXX years old. to old to recover from this
LONG STORY SHORT : UPON CALLING US BANK WHEN NOT RECEIVING STATEMENTS FOR MY CREDIT CARD, I WAS ADVISED MY ADDRESS WAS CHANGED IN XX/XX/XXXX. I REQUESTED TO CHANGE BACK TO PREVIOUS ADDRESS WHICH IS ALSO ON MY CHECKING ACCOUNT. THIS TOOK XXXX PHONE CALLS AND XXXX DIFFERENT DEPARTMENTS. MY XXXX REQUEST WAS TO GET STATEMENTS FROM THE XX/XX/XXXX DATE FOR MY RECORDS. WHILE ON THE PHONE XX/XX/XXXX IT WAS {$5.00} PER STATMENTS. WHEN I PHYSICALLY WENT TO THE BANK IT WAS NOT {$6.00}. I NEVER INITIATED THE CHANGE AND SHOULD NOT BE CHARGED. 

XXXX ISSUE : IF I NEVER INTIATED THE CHANGE THAT SHOULD BE THE HIGHER IMPORTANCE. 

XXXX ISSUE : I AM NOT PAYING FOR SOMETHING THAT CLEARLY WAS NOT AN ERROR ON MY PART. I WAS TOLD THE CHANGE WAS POSSIBLE A COMPUTER ERROR AS IT WAS NOT EVEN A LEGIBLE ADDRESS WITH ONLY XXXX DIGITS AND NO STREET NAME. 
LAST STRAW WHEN MANAGER XXXX AT US BANK XXXX XXXX XXXX XXXX XXXX XXXX, MN ADVISED ME " YOU DONT BALANCE YOUR CHECKBOOK '' WHETHER I BALANCE MY CHECKBOOK OR NOT SHOULD N'T DETERMINE IF I CAN REQUEST A STATEMENT FOR MY REVIEW IF I DID NOT RECEIVE PREVIOUS STATEMENTS. ONCE AGAIN AN ERROR ON US BANK 'S PART CHANGED MY ADDRESS AND THEY EXPECT ME TO PAY FOR IT.
Portfolio Recovery bought a XXXX credit card debt of mine from 2009 and for two years calls my business phone line multiple times a day. I consider this harassment. I have answered the phone and asked them to stop calling. PR admits that the debt is XXXX and not enforceable. But their strategy is to keep calling everyday multiple times until I succumb to this harassment on my business line. Can I sue for cease and desist and for damages?
I never had a contract with XXXX XXXX XXXX and I do not owe Walmart XXXX
In XX/XX/XXXX- XX/XX/XXXX of 2017, Equifax, one of the three major credit reporting and monitoring agencies, had sensitive data compromised in a data breach that likely revealed information such as : Social Security Number, Drivers License Information, Credit Card Information, and Contact Information to criminal perpetrators of the breach. Equifax provided a website for users to enter a portion of their social security number to determine whether or not they may be impacted. After entering my information on XXXX XXXX, 2017, Equifax 's website alerted me that I was likely affected by this incident. I have added a temporary Credit Fraud Alert through a competing credit reporting agency, XXXX, in the event that my personal information is being misused to open lines of credit, etc. without my consent. I am filing a complaint as this breach of security and my personal information may be highly detrimental to my future plans of taking out student loans to return to school for a change in career, and am seeking means of restitution.
Army/Airforce Exchange XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX I had obtained my free annual credit report to review the information. I had seen that my account for this line of credit ( XXXX XXXX ) shows it was delinquent for these three months. It should have cleared out no later than XX/XX/XXXX. The reason behind this is because it was a requirement upon exiting the Military to pay off any debts that were owed- this included the XXXX XXXX It was paid off and was negatively reflected in my credit report as having 3 delinquent months which should not be. I do have my release documentation that shows when I was honorably discharged and I have documentation with a signature stating that I owed nothing to the military and was able to process out.
In early XXXX 2015 I submitted paperwork to Ocwen Mortgage Services to apply for a deed in lieu due to a situation with my XXXX year old mother that requires my presence in XXXX. I called to inquire as of the status of the application on XXXX/XXXX/15 and advised the representative in the deed in lieu department that as of XXXX XXXX the house would be vacant and suggested that they take steps to secure the property as there are several vacant homes on the street that have been vandalized the moment they were vacant. upon return home yesterday I find out from a neighbor that Ocwen Mortgage sent someone from their preservation service to change the locks on my house. I have not been approved or denied for a deed in lieu nor has foreclosure been started. All my belongings as well as my dog & XXXX cats are inside the home and I still live there at least until XXXX XXXX 2015. In addition to prematurely sending their agent to change the locks, my situation was discussed or mentioned to my neighbor which im sure is a violation of my right to privacy. I do not speak with any of my neighbors yet one saw that someone was taking pictures and inquired. He advised me that I should call the preservation company to let them know I am living in the house still and my neighbor also said " your locks are going to be changed because you are in foreclosure. '' He would have no way of knowing my situation as I keep to myself and did not want anyone to know I was leaving just because my house was already been broken into with me living there and I live alone and I am afraid. Can you please look into this and advise me what I need to do or if my rights have been violated? I have emailed Ocwen '' s Consumer Ombudsman as well as a general email for Ocwen to advise them I would contact someone to see if my rights have been violated. You may contact me at XXXX after XXXX Eastern Time if you have any further questions. 
Thank youXXXX XXXX
I am unable to reach anyone at the mortgage company for a month all I wanted to do was add my homeowners insurance to my Escrow account. Even my insurance company has stayed on hold over two hours and been unsuccessful in reaching anyone.
I have uncovered deceitful and unfair practice of how bank of america is assessing overdraft fees. As of XX/XX/2018 my actual bank balance ( posted transactions ) was + {$89.00} ( in the black ). However, there were 4 pending transactions totaling {$120.00}. After accounting for the pending transactions, my " available balance '' was negative {$31.00} As a result, and based on my " available balance '', which factored in the 4 pending transactions, I was hit with two {$35.00} overdraft fees on XX/XX/2018. 

On XX/XX/XXXX, I could finally see all of the activity from XX/XX/XXXX ( this is not visible through online banking features until the next business day ). So I called to ask Bank of America how much money I needed to put into my account in order to ensure I did not incur any additional fees since the same 4 transactions that were pending on XX/XX/XXXX were still pending on XX/XX/XXXX and no new transactions had taken place. I was advised that one of the 4 transactions ( a {$29.00} annual auto renew subscription from XXXX ) would result in a {$35.00} overdraft fee. 

It is unfair, deceitful, and possibly illegal for Bank of America to factor in all pending transactions when determining the " available balance '' that is used as the basis for determining which posted transactions trigger an overdraft fee. It is fraudulent to then charge a customer an overdraft fee on the pending transactions when they finally do post since they were already factored into the historical balance used to determine overdraft fees. If pending transactions were excluded from the overdraft assessment, then I would not have incurred any overdraft fees on XX/XX/XXXX, but they were. Bank of America can then not treat them as newly incurred overdraft incurring transactions when they do post. 

I remember the days when banks would manipulate the order in which same day transactions posted to an account in order to maximize the overdraft fees they could charge ( regardless of the timing of when those transactions actually occurred during that day at the retail terminals ). This practice is now illegal. 

I have uncovered a new way in which Bank of America is manipulating the way in which they double count pending transactions against a customer to incur overdraft fees. They are manipulating pending transactions ( both while pending and again on the very same transactions when they post ) in calculating the balance used to assess overdraft fees. 

This is fraud, deceit, unfair and possibly illegal.
Received calls from XXXX manager XXXX. for a debt collection from 2014. After many calls back and forth I noticed they already knew my name without asking for it first, the account number provided was nowhere to be found with my hospitals, doctors etc and phone number provided was incorrect. Very clever group of people, PLEASE be aware if you receive any calls from this number!!!! Asked for their license, and they do n't provided me with that information.
I received phone call at my work phone number from Associated Credit Services phone # XXXX trying to collect debt owed to XXXX XXXX. I received this phone call while I was in meeting with my XXXX XXXX and my co-employees heard everything that was said on the phone by the debt collector. First of all this is not my debt and this company simply XXXX  the name and called me at my work phone number. I was embarrassed by the phone call and I hung up. I returned the phone call later and spoke to XXXX XXXX at Associated credit services who asked me to verify date of birth and mailing address after verification I was told that you are not the person that we are looking for. My issue is that this debt collection agency called me at my work to collect debt that was not mine. Associated collection services Inc 's collection practice should be examined, because I was harrassed and embarrassed in front of my colleagues for debt that was not mine.
Latest issue, which has been reaccuring throughout loan is being charged fees even after loan is brought current. Most current example is XXXX XXXX I brought my loan current and agreed to a years payment plan via debit card. Got payment plan in mail. The next week I get my statement in mail for XX/XX/XXXX payment due and there 's late fees due again even after I brought my loan current. This college went out of business before classes finished and I 've been stuck with this useless loan that I got nothing to show for it since. I 'm on XXXX but they say this loan ca n't be forgiven because I have a cosigner and the debt will be turned over to her even though she 's retired on social security.
On XXXX XXXX XXXX, before the rate increase, I applied for a mortgage with AimLoan.com. I was given a set of required steps and required documents. At no time during the application process was I told that XXXX of the lenders requirements was XXXX transcripts of tax returns. My rate lock expires XXXX XXXX, XXXX. On XXXX XXXX, AimLoan supervisor advised me that " Proof '' that the XXXX taxes had been filed was required. A signed copy of the tax return was not good enough. We had a brief conversation that if I submitted false documentation to obtain a mortgage, that would be a felony. The AIMLoan supervisor did n't care. I contacted XXXX Tax Advocate for my area to see if there was a fee I could pay to expedite making transcripts available. There is not. This is a 6 to 8 week process and there is nothing I can do about it. He mentioned that XXXX XXXX should allow for stamped copy of the tax return, showing it was filed in person. I went to the XXXX office and filed my taxes in person. I received a stamped copy showing they were filed. I advised AIMLoan and provided them a copy of the XXXX Stamped return showing it was filed. AIMLoan decided that this did n't meet their lending requirement. That they must be able to receive a transcript. Even though today is XXXX XXXX and 6 to 8 weeks is way past my loan lock and since Fed raised interest rates in XXXX, after my rate lock, the person who is losing thousands of dollars and maybe the contract to purchase this house is me.
I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from Transunion Credit reporting.
This is regarding my XXXX service. Had to stop service due to move. Its a matter of returning all rental equipments to XXXX. I made a mistake, missed one equipment but returned it too after being informed there is one more to return. I have receipts If needed.
It 's company on my credit report that I did not auortized them to pull my credit When I look on XXXX XXXX it had company on there that suppose be move from my credit
To whom it may concern : I became aware of my credit score dropping ~100 points in early XX/XX/XXXX. I requested a copy of my credit report and found that I had a mark for 60 days past due on a joint XXXX  's account that I had closed several months prior ( I believe in XX/XX/XXXX ). 

I am frustrated and feel I am not at fault for this delinquency, due to the following facts : 1 ) The account was closed several months ago, and at that time showed a {$0.00} balance both on the checking account and the overdraft line of credit. Why would XXXX 's allow an account to be closed if it has an outstanding balance? Why would they not let me know at the time of closure if there was an outstanding balance? 

2 ) Even though I closed my checking and overdraft accounts, they still showed up in my XXXX 's Bank Online account page. They continued to show a {$0.00} balance, so I had no way of knowing that I owed anything. Even after calling several times to close the account, it still appears on my online account. I have attempted to close this account at least twice and the associate on the phone confirmed it was closed. However, it still chows on my online page with a XXXX balance. 

I proceeded to contact XXXX XXXX XXXX  customer service on XXXX via the XXXX number and immediately arranged payment for the outstanding amount of {$40.00}, which I was not aware was outstanding. I then called back asking how I could remove the mark from my credit score.  After being transferred to no less than 5 departments after about 40 minutes, I asked to speak with a manager in the collections department and was connected with a woman named XXXX. She said I could submit my request to her via email which I did on XXXX. I never heard anything back, and called to request followup information on another day in mid-XXXX. The woman I spoke with took notes on my account and noted that prior conversations had been documented and that I should receive something in the mail to confirm receipt of my complaint. I never received a letter in the mail, so I emailed the collections dept at XXXX to confirm they received my initial email. I have received no response from any of these efforts. 

Finally, I would like to note that I am moving to North Carolina in the coming months and plan to purchase a home, which will require a mortgage. The timing on this could not have been worse, as it has negatively affected my credit score by 100 points. This obviously means a worse interest rate, costing me thousands of dollars -- over a missed payment for {$40.00} which I was never made aware of. 

Please remove the mark from my credit score as I do not believe I was properly made aware of the outstanding balance, and paid it off as soon as I was made aware ( through my own investigation after a significant mark on my credit report ). I have made over a decade of on-time payments to XXXX XXXX  and all other financial institutions with which I have done business. I have worked very hard to get my credit score above 800.
On XX/XX/2018, my wifes Capital One Mastercard credit card was stolen in XXXX, XXXX. We called Capital One immediately and cancelled the stolen card. Starting in XX/XX/2018, small charges ( {$0.00}, {$1.00}, {$1.00}, {$2.00}, etc. ) starting showing up repeatedly from three merchants : XXXX, XXXX XXXX ; XXXX ; XXXX. These entities are all associated with bridge/road tolls in XXXX, XXXX. My guess is that someone has setup toll accounts using my wifes stolen credit card.

As of XX/XX/2018, new fraudulent charges are being posted every few days despite my repeated efforts to get Capital One to stop these unauthorized transactions. All Capital One seems to do is post adjustments to my account after I call and dispute specific charges. Capital One claims that there is an ongoing investigation, but I have not received any mail, email or phone calls from any investigator ( as they claimed would occur ) concerning this investigation. How is it possible that Capital One can continue to process transactions against my account with a credit card that is acknowledged to be stolen?
chase has yet to get back to me on my complaint : XXXX chg XXXX hello fresh, again on XXXX XXXX and nsf fee to be cr XXXX resulting this fee because of hellofresh unatuh purchase both times they were informed not to deliver. 


XXXX cr on tax act as my tax return was not complete to be process. 

If they can process these crs.
I received a call on Tuesday XXXX/XXXX/2016 from a third party, XXXX, who I had an open account with stating that the third party XXXX closed my account. I made contact with XXXX later that evening and I was informed that my account has been reported as 78 days past due, which at that time 78 days prior would 've been XXXX XXXX, 2016. This is untrue, due to the fact that I made XXXX payments to XXXX. The representative stated, that my account was reported to the credit bureau as 60 days past due XXXX times, and 30 days past due XXXX times. This information is inaccurate. The representative stated that it is a result of their billing cycle and not that my account was actually 30 or 60 days past due. I am writing because I have made over {$400.00} in payments, which is in compliance with my monthly bill payments, and I am being told that my on time payments are not being honored, and that my account has been inaccurately reported. My understanding is companies report to credit bureaus when an account is minimally 30 calendar days delinquent. This is not the case, my account is being reported based on the companies billing cycle.
I received a payday loan with ( Check into Cash ) I paid interest fees and somehow my banking account gets completely out of order I explained this to them and they continued to send check through my account, then broke all kinds of confidentiality codes/law 's, Thank You For Your Time.
There were several account s from the same company " XXXX '' on my credit report that do not belong to me. I have already disputed them have already filed a complaint about their so called investigation. Results of the complaint was that the accounts were deleted from my credit report. All have been except one. When I called Equifax about it I was told that I would have to dispute it. Which I already have. I received a letter from Equifax claiming they verified the account. They can not verify an account as mine when it is not mine.
The company is Conns. I have had a credit account with them since XXXX of XXXX. I have made my regular payments every month since that loan was established. This month, I was unable to make the full payment on my credit account and called them on the due date of XX/XX/XXXX and explained to them that I could make a partial payment, which I did of {$30.00}, which leaves me with a balance of {$74.00}. I explained to them on several occasions that I will pay the remaining balance due on XX/XX/XXXX or XXXX, and no later than the XXXX of next month. They began by asking me why I couldnt make the full payment, which is none of their business, especially with the fact that I have not had any past problems with the monthly payment. They refused to make further payment arrangements with me, and have been texting me multiple times. These people are intrusive, and harassing me at this point. As a good customer, I would expect a positive interaction with them, but not this. This is very upsetting to me emotionally. An additional note : each and every time I have made a payment over the phone, they also ask me what my source of income is, or who is my employer. That is none of their business either. They also threatened to report me to the credit agencies if I didnt make the full payment. They also said, Well you came into our store looking for an item and we provided that service to you, why cant you be responsible enough to pay your bill on time?
These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial.