WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I spoke with Sallie Mae about my loans, indicating that I want to qualify for the PSLF program, and was told that I had the correct type of loan for forgiveness but none of the forms were created yet for the program as you need 10 years to qualify. I was told that being in forbearance wouldn't hurt, as it is a type of repayment plan multiple times then and until XX/XX/XXXX. 

My loan was transferred to Navient when Sallie Mae was defunct. I called them when I was transferred, and they assured me that utilizing income sensitive repayment options and/or the lowest payment amount, which at times was XXXX $ a month in forbearance, was fine for the PSLF program. 

In XX/XX/XXXX, after re-applying for income sensitive repayment again, I called again, and indicated that I could afford some payment and did not need a full forbearance, and they told me that I qualified for forbearance, and so that is the best thing for me to do. I asked what would happen if I sent payments anyways, and they said, basically nothing, because the balance and interest was so high that sending XXXX-XXXX $ a month wouldn't do any good, and wouldn't change my plan. At that time I was first told that I was not in a program that would qualify me for the PSLF program, and that in order to qualify for that program, I would have to re-consolidate my loans and have my husband co-sign them. She indicated that she was only telling me this because now she was " legally obligated to do so. '' She indicated that once I reconsolidated I could get into the right program but it would be 10 more years before I qualify, and as it has been 2 decades since my first set of loans, she didn't recommend it as I would be at the 30 year mark anyways. 

I have worked for public agencies with lower pay than public agencies, in public service, since XX/XX/XXXX. I have no idea how many " qualifying payments '' were made, as often the forbearance was the only option given to me. I suspect that I made roughly 6 years of payments in plans that don't qualify me for the program, and my debt is now over 200,000 $ and my interest rate remains over 6 %. I have been unable to get any clear information about what plans do qualify for the program, and any information from Navient. I don't understand why my husband would have to co-sign my student loans in order for me to qualify for a program that I should already qualify for due to my years of public service. There is no where to turn for answers as Navient is not doing their job.
Transunion is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not, so I am filing this complaint against them for unfair credit reporting. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
they do not work with you in arraigning payment. they want you to pay an amount you cant even afford have been like this for years.
I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. XXXX still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet XXXX still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in 2014 and this is around the same time this debt was created.
Collection agency called, returned the call back and male employee was extremely rude and abusive. While providing a time and date for when the {$74.00} balance could be paid the collector made remarks regarding the guarantor 's children, specifically stating " I know you have XXXX kids and you clearly don't care about them since you won't pay this .... '' The male employee also stated they would no longer be calling since the guarantor would not pay today or put a card on file to pay. 

This is a low outstanding balance and the treatment was completely uncalled for and the exact reason FDCPA and UDAP was created. 

This abusive language is completely uncalled for and illegal. 

Phone Number : XXXX Collection Agency Name : Capital Accounts LLC
I did not receive any information about my loan being sold to a new mortgage lender. I did not receive any mail or emails regarding the new loan servicer. The new company is Selene Finance and my old mortgage lender was XXXX XXXX mortgage.
PNC bank has failed to act upon my requests to close my account. 

They failed to ever provide me access to my account, and have then failed to act to close my account. 

I went into a bank branch in XXXX XXXX XXXX, fl over 10 days ago, provided my ID and requested my account be closed, and no action was taken. 

I called and requested the account be closed again, and after 4o minutes were unable to close the account because I couldn't give the precise details of a motorcycle that I owned for 3 months, 8 years ago. 

This is my final request before taking further action. 

Account # XXXX
XXXX XXXX attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt. 

Early in XX/XX/XXXX I received a letter from XXXX  attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.
The loans that were paid out I was not in school at that time. I received grants that paid the full tuition. I advised Navient that the school should not of accepted any payments from them and it should of been returned however now I 'm be held responsible and I also show late payments on my credit report from a loan I knew nothing about or repayment options. I just did a consolidation and IDR and received two condescending repayment options. One say so have to pay {$63.00} and another says I have to pay {$14.00}. At this piont I 'm not even sure if I should be held responsible for this loan.
Please assist, this has really been a problem that has been out of hand and I have also went through you in XX/XX/XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to XXXX XXXX XXXX XXXX and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. 
I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XXXX XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XXXX XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XXXX XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing XXXX payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.
On XX/XX/XXXX I called to cancel my services with XXXX XXXX XXXX. I received a confirmation email that my membership was to be cancelled and I will no longer get billed for the services in the amount of XXXX On XX/XX/XXXX I  noticed that I was charged again for services in the amount of XXXX. I called XXXX XXXX XXXX and the rep apologized and cancelled my membership again. I received another email with the membership cancellation. On XX/XX/XXXX I received a refund for XXXX. Since then I have still been getting alerts from XXXX. This morning I logged into the account and I see they have a payment scheduled to charge me again on XX/XX/XXXX in the amount of XXXX.
To whom it  may  concern : In 2013, I cosigned a loan fr om Santander Consumer f or a  XXXX   XXXX   XXXX . Since then, the signee and I have experienced problems, ranging from lost payments to unfulfilled agreements. One of the more pressing issues, however happened last  XXXX , when they repossessed the vehicle without any letters or notifications to let us know. Worried about my credit, I called Santander and negotiated a reinstatement amount ; they also agreed to remove the repossession since I was going to pay. As a cosigner, I went ahead and paid the full amount and I retrieved the car. However, the agreement was not kept. The repossession was not removed from my credit. Thus, I would like to formally request the removal of the repossession last year from my account and credit report. I have made several payments since then, as well as going so far as to pay extra. As a second point of contention, I would like to request a reconsideration of the interest rate on the vehicle, pursuant to the Arkansas ursery law. he current rate of the loan is 20.6 %, which is 3.6 % over the Arkansas cap of 17 %.
I have an item on my credit report from XXXX, Equifax, & XXXX  that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either XXXX of them I paid {$150.00} for each bkpt the house in XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM XXXX. In XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.
I have a loan with International City Mortgage ( ICM ), serviced by XXXX. I have an escrow account to save monthly for County ( Property ) Tax and Hazard Insurance. On my Annual Escrow Account Disclosure ( dated XXXX/XXXX/15 ) I noticed a withdrawal from my escrow account in the amount of {$220.00} for " Misc Escrow '' back in XXXX 2015. I received no notice that this amount was being deducted from my escrow account. I do not know what this withdrawal is for ( ICM / XXXX provided no notice or accounting of the {$220.00} they " stole '' from my escrow account ). I contacted XXXX to find out about this withdrawal ; they said that it was paid to the mortgagee, ICM ( per XXXX XXXX of XXXX ). The XXXX $ due to ICM, that I am aware of is the monthly mortgage payment ( they have no business taking $ out of my escrow account ). I asked XXXX XXXX why, and he could not answer other than the $ was their 's to take. I asked for a full accounting and reason for the deduction. XXXX XXXX said XXXX would do that, but has not to date ( several weeks ago ). I would like the {$220.00} that was stolen from my escrow account by ICM and/or XXXX returned. ICM / XXXX has not provided any notice for the withdrawal or legitimate reason for doing so.
My mortgage was being serviced by XXXX XXXX. When I logged in to my account to pay my XXXX payment, I learned my mortgage was no longer being managed by XXXX XXXX, and was now being managed by Volunteer Mortgage Loan Servicing. Neither servicing manager sent me notification that the mortgage changed hands. I've tried consistently to contact someone with Volunteer Mortgage Loan Servicing. After several attempts, and leaving several messages, I was able to reach a gentleman that provided me with an account number and instructions to make the payment online. I've tried doing that multiple times, but have been unsuccessful due my account be locked. I've since tried contacting Volunteer Mortgage Loan Servicing, but to no avail. I've left messages, and today someone finally returned my call. Volunteer Mortgage Loan Servicing is now refusing to accept my XXXX mortgage payment.
have fraudulant charges on my card ... .did report it on XXXX/XXXX/2015. 
XXXX/XXXX/2015 they gave us a conditional credit of $ XXXX..but..on same day they took it away ... we filed XXXX-trackers as of today XXXX/XXXX/2015 we have gotten no explanantion. 
on XXXX/XXXX/2015 letter it states that they took {$190.00} back ... but ... around XXXX/XXXX/2015 they took another {$190.00} off of account..operator confirmed that she had never saw that done..but again no answer. filed another tracker plus said it shows still pending. on XXXX/XXXX/2015 talked to another operator which stated this company has hit our account hard and again..cancelled card again..they never stopped these fraud charges ... .so far direct express was suppose to give answer within 90 days..which was XXXX 2015 and has not. so far they have taken $ XXXXx2 plus over XXXX in fraudulant charges from XXXX, just now got that info waiting for verification letters tyo come in mail.
I finished my XXXX to XXXX lease this company is trying to state I owe when I do not. I disputed and received some stuff but it does not support the data they are trying to state I owe for. First they state I owe XXXX XXXX which I rented from XXXX XXXX and finished my whole lease. Please help
I have repeatedly tried to dispute an item on my credit report that is being reported by a collection agency by the name of Paragon Revenue Group..this debt does not belong to me.
I was charge for and Unothorize Transaction From XXXX   and I never authorized this transaction with XXXX for the amount {$240.00} I never purchased anything with XXXX   and I made a Dispute with Capital One Credit Card and the charge was Reversed and the transaction was Rebill and I never made this transaction with XXXX   and this is Fraudulent.
With my consent Home Depot opened another credit card in my name as I was making a purchase. I did not realize the material was charged to this new account, and missed seeing the bill. I was a week late for the {$15.00} charge. I was charged a late fee equal to my original charge, plus {$2.00} interest. I did not make time to dispute this late charge, and realizing I was late went to Home Depot to pay the bill, but Home Depot 's system only allowed me to pay {$15.00}, so I incurred another late fee. I attempted to resolve this with the bank ( Citi Bank ) and they refused my request to waive the original {$15.00} charge or to make it reasonable ( for example {$3.00} ). As it stands I have incurred {$6.00} extra charges for which they were willing only to waive {$2.00}.
I asked a customer representative on XXXX XXXX how much I owed to get my home mortgage out of default. I was given an amount and I asked if the method of payment was acceptable. The payment was returned two weeks later. I was told today I had to pay the late fees and could not repay them later ( as told by previous rep ). The delay increased the amount I owed to more than a thousand, catching me in complete dire straits. I do n't understand why I can not get out of default paying the months I missed alone. I should be allowed to pay fees ( which are egregious ) later. Please advise!
The company is Experian and of course it is impossible to find a phone number to speak with a person and complain. I recently worked with a home builder and applied through their lending company to be pre-qualified. All of a sudden I start getting a bunch of phone calls from XXXX XXXX XXXX, I finally asked them why they were calling me. They knew my full name, phone number, credit score, the fact I was in the home buying market, etc. When I asked how they knew they told me Experian gives them the information during the credit checking process so that they ( XXXX XXXX can call and offer a competitive offer. I find this activity highly unethical by Experian. A credit reporting agency of all people should NOT be sharing private information with a third party.
This is in reference to the Company by the name of Big Picture Loans. This company approved me for a loan in the amount of {$800.00}. When I spoke with XXXX of the representatives from the company she stated that it would be a one time payment of XXXX for the finance fee. Then I would be able to pay the additional {$800.00} off in monthly payments. She told me that they would automatically take the money out of my account unless I would call and specify otherwise. Well as it was getting close to the first finance fee payment I made sure all of the money was in the bank for the first {$280.00} to be deducted. Then out of curiosity to see when the next payment would be or the amount they would be asking for to pay off the amount that I borrowed was the {$800.00}. I realized that they did not send the lending disclosure until after the loan had been processed. The documents were not what was not the same as which was verbally contracted. These people had set me up to pay them {$6000.00} on the loan that was {$800.00}. I would have never accepted anything like this so I tried to contact them and XXXX of the agents kept apologizing for the misunderstanding of the conversation of the last representative. But we went over this several times about the finance fee just to be on the safe side. These people misled me and are basically stealing. They have access to my bank information and are trying to ruin my bank account pulling money that is not owed to them at a constant for {$6000.00} for {$800.00}. This is not right I then looked for complaints from other customers and come to find out that they were once called XXXX and that they had switched their names. And other people had the same incident as me. This is how I found out about Consumer Finance because of other people that this happened to. If someone could please help me to rectify this matter I would be greatly appreciated because these people are fraudulently attempting to steal something from me that I do not have or owe. Needless to say they are attempting to ruin my bank account that I have had for several years. Thank you for taking the time to listen.
I have been fighting to get a fair and equitable modification for XXXX years. My original loan was fraudulently put into an ARM. My signatures were forged. I was a victim of the subprime mess. My mortgage was sold to XXXX, Litton Loan, Ocwen Loan and at some point had connections to XXXX XXXX and XXXX. I in the past I have filed bankruptcy to protect and save my home. Only to have attorneys who did not file the proper paperwork to strip the lien of the XXXX mortgage. The mortage was discharge but Ocwen is saying I still owe it. I was approved for a modification through Litton Loan that Ocwen did not recognize. I had to pay trial payments XXXX different times, citing I did not send in all paper work. When I did. Ocwen back dated dates and threatened to take my home. I have all the documents and proof that I was a victim of consumer mortgage fraud. I have been and still am being victimized by Ocwen. All I want is my principle reduced to market value, recognition that I do n't owe a XXXX mortgage and credit for all payments I have made including all trial payment that was never credited. I want the government to look into my case. I started this process before the CFPB was instituted I sent documents to the Federal Trade Comission.
I received a letter from Chase asking me to verify information for an XXXX credit card for which they say I had applied. This letter was sent to an old address of mine ( and I received it via mail forwarding which will soon expire ). My credit reports show a hard inquiry from Chase Bank on XXXX XXXX, 2017. I did not authorize this, nor did I apply for any credit card. I called Chase and told them I had not applied for card and wanted it closed, and want the hard inquiry removed from my credit reports. I further wanted them to tell me by what means had the credit card application been submitted -- whether by mail, phone, or internet? And I wanted any other information about the application they could provide me. They had no interest in helping me with any of this information, and instead tried to sell me identity protection. They insinuated I must have " accidentally '' applied for the card. I know of 2 other people who recently had the identical XXXX/Chase credit cards attempted to be opened in their names as well. There seems to be a clear pattern here, of fraudulent activity specifically with Chase/XXXX credit cards. I have no other inquiries on my credit reports, and neither do the other 2 people who have experienced this.