WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX : I received notice that my repayment plan was ending, and that I would have to submit a new IBR by XX/XX/XXXX in order to stay on the plan.
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XX/XX/XXXX : I submit an Income-based Repayment ( IBR ) Plan request, along with copies of my tax return.
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XX/XX/XXXX : I was informed by FedLoan that in order to process by IBR ( I was switching plans ) I would have to make a one-time payment of {$150.00}. FedLoan stated that they would inform me of the due date for the {$150.00} payment.
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XX/XX/XXXX : FedLoan informed me that they placed me on a Standard Repayment plan ( no reference was made to the IBR I had submit ), and that my new monthly payment was going to be {$420.00}, starting on XX/XX/XXXX. At this point in time, my payment history was up to date, with the next set of charges owed slated for XX/XX/XXXX.
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XX/XX/XXXX : FedLoan sent me a notice that my interest payment of {$150.00} was past due. I had never received a notice that I had an interest payment due in the first place.
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XX/XX/XXXX : I paid the past due interest payment of {$150.00}.
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XX/XX/XXXX : FedLoan sent me a notice that my request for lower payments was denied because I had not submit the monthly payment. When I logged on to my account, I saw that my monthly payment was now {$720.00} a month ( up from the previous $ XXXX/month ), and payment was not due until XX/XX/XXXX. I had been denied lower payments because I had not paid the monthly payment, which was not yet due.
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XX/XX/XXXX : I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/> XX/XX/XXXX : FedLoan did not process my most recent IBR, and so I was forced to pay the monthly payment of {$720.00}. I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
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XX/XX/XXXX : FedLoan denied by IBR, stating that they did not have a copy of my most recent tax returns. <P/>
XX/XX/XXXX : I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
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XX/XX/XXXX : I received a phone call from FedLoan Servicing about my student loan. I called them, and they informed me that my IBR had been denied again because I did not submit my tax returns. <P/>In talking with the agent, I expressed concern that I could see on my FedLoan account that I had uploaded the tax returns four times, and did n't understand why she could n't access them. <P/>She said that I had only uploaded a payment voucher, and not a tax return. <P/>I asked her to open the document again and to scroll down to the fifth page, where she could find the tax returns. She did as I asked, and confirmed that yes, they had copies of my tax returns, and that she could see all of the previous tax returns that I had uploaded. <P/>My IBR has been on hold because no one could be bothered to scroll past the first page of a 21 page document. <P/>The agent informed me that she would send my request for expedited processing.
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a zero balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
I went in to get my report and score. I followed the instructions and I did not get it. I called and they said it went to an inactive account. They said I had to set up a new account with a new email which I did. I still did not get the report. They said I had to wait 2 hours so I waited till the next day ( today ). The same thing happened - it went to an iactive account and I still did not get a report. They were not going to reverse the charges saying it was valid. I didnto get my report. I have not gotten my report - I need a report and yet I can not get it. SOMETHING HAS TO CHANGE WITH THESE BUREAUS. THEY WANTED ME TO DO THEIR {$1.00} SCAM. I SAID NO NO NO!!!! I WANT TO APPLY FOR A LOAN AND I CANT GET MY CREDIT REPORT OR SCORE!!!!!!! You are a govt agency and you should be doing something about this. Either dissolve these scams or keep them from scamming us and allow us to receive our credit reports and scores. THIS IS BUERACY AT IT FINEST!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I acquired a car loan from Wells Fargo Dealer Service onXX/XX/XXXX. When I received the car loan, I made all the payments in a timely manner but I noticed each month I was being charged additional fees. In XX/XX/XXXX, I called to find out why my payment was so high and so far behind. I could not get any information other than it had to do with my insurance. I continued calling on a regular basis to no avail until XX/XX/XXXX or XX/XX/XXXX due to the extremely rude and dismissive behavior from customer service on each call. I filed a complaint with the XXXX XXXX XXXX in XX/XX/XXXX. Wells Fargo Dealer Services onXX/XX/XXXX, explaining that they added insurance to my loan on XX/XX/XXXX. In their own letter, they admit to not sending any notices until XX/XX/XXXX, and XX/XX/XXXX. They had been charging me for insurance while I already had car insurance and before they sent notices asking for proof of insurance and not until after I was inquiring about the charges incurred. In XX/XX/XXXX my daughter was in a car accident and the vehicle was totaled. The insurance paid off the remaining balance of the original loan. However, Wells Fargo Dealers Services has put on my credit report that I still owe them {$950.00}. I continued making payments until the insurance paid off the loan. The charge of the {$950.00} comes from the insurance they added without my knowledge or permission. It was added erroneously. This is exactly like the illegal and unethical practices they have already been fined for.
I got a call from High Point Assest, Inc on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. These same people have been calling my family, in particular, my XXXX year old mother who wants to give them money my behalf. All of my payday loans were paid years ago. I received a letter via email but not U.S. mail. 

These are people who change their names and identities. This should be criminal. I had payday loans during the down fall until I could pick up a XXXX job. 

I believe I am going to create a script to possibly scare them as much as they are scarring my family.
Portfolio recovery calls me everyday threating to sue me in threating to garnish my wages. I have sent them letters to verify my debt. I have also sent them to the credit bureau. I having been waiting three plus days.
In XX/XX/XXXX, while still completing my XXXX at The University of XXXX I applied to consolidate my student loans through the student loan office. 

I was very clear that I was in Education and hoped to eventually qualify for the Public Service Loan Forgiveness Program ( PLSF ) and was told that the consolidation was the only way I could do this. They told me that everything was setup and that I should be fine to do this, to make sure I made my payment on time and never missed for ten years. 

I completed my degree in XX/XX/XXXX and found a position at the XXXX XXXX XXXX in XX/XX/XXXX and began working full time. 

At some point, I received a notification that Navient had purchased my loan and I did not receive any information from them that my loan would not be able to be forgiven ( FFEL Loan ). 

I completed a the PLSF Employment Certification Program with my HR department at the University and submitted it to Navient on XX/XX/XXXX. 

I was informed that my loan was not a Direct Loan and not eligible for the PLSF. 

I am poised to apply for an income based repayment plan, but am reluctant to do so if this muddies the waters. 

Can you help me? I think that something changed and I do n't know where to begin to address this.
Experian is reporting information which they claim they 've verified but when confronted about their procedures have failed to provide any further information. On XXXX XXXX, 2016, I disputed XXXX accounts with them XXXX XXXX XXXX, XXXX & XXXX. I did not recognize the account nor the information on it. On XXXX XXXX, 2016 they sent me back a report claiming they had verified all the accounts. So on XXXX XXXX, 2016 I sent a second letter requesting further investigation & requested they provide me with the proper documentation they received from the companies who were furnishing Experian with verification. On XXXX XXXX, 2016 I received a letter claiming they 'd already disputed the accounts & I need to contact the data furnisher. So on XXXX XXXX, 2016 I sent Experian another letter requesting the method of verification used in their first dispute and followed it up with letters to the data furnishers. I sent the letter Certified to make sure it arrived on time. Tracking # XXXX. It has now been well more than 30 days since Experian received the letter & XXXX XXXX XXXX, XXXX & XXXX have received theirs, and I have not received one letter from Experian, XXXX XXXX XXXX, XXXX nor XXXX. The FCRA has strict rules which apply to the publishing personal information. They claim to have verified the account in question, however none of them have provided any verifiable proof these accounts belong to me. SO I 'm challenging Experian on all their investigative merits. They claim these accounts have been verified. If so, then I have a few questions ... How does an account with no address identifier get verified? This information just on its face is inaccurate & needs to be removed. Additionally, since neither the credit reporting agency ( CRA ) nor the date furnisher ( DF ) have done their due diligence & provided me with any information which substantiates their position then I believe their investigation procedures were flawed. As a consumer the FCRA is in place to eliminate any CRA or DF from not adhering to the law. I believe not one person reviewed my file & just used the automated credit dispute verification ( ACDV ) forms, thus making the possibility of error even greater. I would like this matter resolved immediately as there are severe & gross violations taking place with my report. And this matter has caused me great emotional & now financial stress. If this matter is not handled with the shiftiest & most accurate methods of verification I will be seeking a legal remedy. In addition I would love to see a signed contract which substantiates the validity of these accounts. Without one, then there is no contract & Experian nor the data furnisher have the right to report it. Please remove it at once. 
One last thing - Experian is still reporting inaccurate information in regards to my name. They claim they ca n't remove XXXX XXXX. This is not my name & unsure why they 're unable to remove it. That alone is another reason why I 've become irritated with their games & seek a resolution.
Problem : payment was not accepted, payment was returned several times. Each time a returned payment fee and interest was charged to my account. 
They cancelled any future payments from my bank, this is the only bank account I have. My bank could not understand their reasoning or problem. I submitted my bank routing number, check number, etc. 
I attempted to pay via phone. The payments were made ( XXXX times ) by phone with a Chase specialist assisted provided by Chase. Each time the payments were rejected and fees and interest was added to my account. 

The companies involved : Chase Card Member Services XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX
Hello, i have a home loan ( mortgage ) thru ditech which i have paid on time all the time I have had it ; onXX/XX/XXXX, i received a call from " XXXX '' at Ditech stating I was behind on XX/XX/XXXXorXX/XX/XXXX Payment and instead of the usual {$780.00} I owed, the total was now over {$1000.00}! This happened also inXX/XX/XXXX when Ditech erroneously credited a different account my payment, then claimed I was late on that XX/XX/XXXX payment, after which they later sent a letter stating they were in error and had to credit my account and waived the late fee. plus they told me a different payment amount ( XX/XX/XXXX ).
Being in a protected class ( I am XXXX ) and having all my cancelled checks of this years mortgage payments in my possession, I contacted the mortgage company several times who said they were " looking into it ''. However, instead of investigating beforehand, they have added a slur on my credit report stating i was late, which is totally false.
I will also contact my attorney general about this problem/ below find attached the erroneous credit report. Also I can send copies of the cancelled checks that were all made on time.
This company 's bookkeeping and accounting practices are a disgrace!
Transunion has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} to XXXX XXXX XXXX of Virginia and {$51.00} to XXXX XXXX XXXX of Virginia was reported.
I am a victim of the bank restructuring debits to maximize overdraft fees. 

I had an ACH transaction process on XXXX/XXXX/16 for {$1000.00} it was initiated on XXXX/XXXX/16 at the company 's website. I made a debit purchase on XXXX/XXXX/16 at XXXX for {$27.00}. When I got home I checked balances at XXXX XXXX/XXXX/16 I saw both ACH and debit I had an available balance of {$26.00}. I took pictures of screen with date and time stamp. 

On XXXX/XXXX/16 I was charged a {$35.00} overdraft fee for ACH debit and {$27.00} for debit total - {$65.00}. 

I opted out from overdraft fees. The balance should have shown a negative balance so I could have corrected it at XXXX or if it was the ACH debit which overdrew the account the {$27.00} debit should have been declined at the store. I was led to believe everything was fine with the {$26.00} available balance being shown with both debits. 

They are ripping consumers off.
Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX Calif. EXPERIAN RESPONDED TO A RECENT CFPB COMPLAINT THAT XXXX XXXX XXXX XXXX   IS NOT THEIR COMPANY I HAVE ASKED FOR INFORMATION AND OR THE USAGE OF THIS INFORMATION THE USAGE AND THE AUTHORIZATION THERE ARE OVER 35 INQUIRIES PLEASE EXPLAIN?
XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
inaccurate info with breach of XXXX has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa
I have disputed the student loan XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
I keep getting calls from XXXX, they claim to be ERC and are attempting to collect a debt. I have a person with similar information to me that lives in Iowa the big difference is I am XXXX and he is XXXX. This ERC keeps calling and tries to threaten me to pay the debt.
their customer service would not help and take care of the negative inquiries reporting to my credit report. 


Below I Listed the inquiries that I desired to be deleted from my credit report. I never signed or agreed for them to view my credit report neither did I have a credit account with them.
I relocated to XXXX, Illinois on XX/XX/XXXX. At that time, my cellular service provider was XXXX. XXXX was my exclusive cellular provider since the XXXX. Up to this point, I was happy with the service. After moving to XXXX, I was unable to use my cell phone in my apartment. I could not hold conversations with people ( they could not hear me for any length of time ) or the calls dropped completely. Frustrated, I reported this issue to XXXX. After complaining repeatedly for months, XXXX finally agreed to send me a cellular service extender kit as a remedy. The remedy, however, did not solve the problem. The extender did not work consistently, at I would have to end a call, try to connect to the extender and then try the call again, with varied success. I reported this to XXXX as well. XXXX had no other solutions to offer. They indicated that there were limited cell towers in my area. This was surprising to me, as I live in downtown XXXX. This went on for months, and out of frustration, I called XXXX to cancel my service. After 10 years as a customer, they offered me nothing. 

In XX/XX/XXXX, after months of trying to resolve this issue with XXXX, I transferred my number to XXXX XXXX XXXX, which I understood had better service reliability in the XXXX area. In my opinion this was a constructive termination, because XXXX was unable to provide me reliable service. I, in effect, had to cancel. They still charged me a {$300.00} early termination fee, which I believe is unconscionable and bad business practice. I have pleaded my case to them without success, and they referred my account for collection, which is now held by XXXX XXXX in Washington state. 

I do not feel I owe this balance, and have requested, without success that it be removed from my credit report. 

Interestingly enough, I spoke with a XXXX representative one day, while at an XXXX office. He was attempting to get me to switch and I explained my dilemman to him. He indicated that he could probably get the collection account removed if I signed up with him. I did not want to incur another early termination fee with XXXX XXXX XXXX so, I ultimately decided not to do so, in spite of the potential savings on my cellular bill. I would rather have reliable service at a premium than a cheaper plan with unreliable service. 

Please help.
Went to go get a student loan as I am a current XXXX XXXX in college and I was denied due to adverse information on my credit report. 

Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by Citicards NA and XXXX XXXX. 

I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. 


I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with CitiCards NA & XXXX XXXX. 


Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.
My name is XXXX XXXX. My wife is XXXX XXXX. We have a HELOC with Bank of America. They raised the amount to be paid on the loan by {$1000.00} a month to {$2400.00} a month. We 're trying to sell the home now. We submitted a qualified written request to Bank of America asking for load documents and appraisal documents on XX/XX/XXXX. We also breached the idea of a short sale, having them modify the amount due. 
They have not responded as of this day XX/XX/XXXX. Our understanding is that they have 60 days to reply. 

We have the house on the market but there is no way we 're going to be able to cover the amount of the HELOC and the first mortgage with the price it will sell at. Also we believe that Bank of America did not do a proper appraisal when they gave us the HELOC.
The HELOC amount is approximately {$160000.00}. The 1st mortgage is with XXXX and it is for {$140000.00}. My wife and I believe the house will sell quickly for between {$280000.00} and {$300000.00}
Received a bill from Bull City Financial Solutions to collect a debt on a medical bill. Had never been contacted or received a bill from the provider. Requested information from Bull City and received a partial statement which did not identify the provider. Requested the provider contact information from Bull City by telephone and was refused the information, refused when requested to speak with a supervisor, and would only provide the name " XXXX ''.
My car was repossessed by Lobel Financial XXXX/XXXX/2016. I called Lobel Financial today XXXX XXXX to redeem my vehicle. I was originally told by XXXX in the Reposession department the payment I paid to Lobel financial on XXXX XXXX was never received. I advised Lobel Financial my fianc paid the bills and gave permission for her to speak on my behalf. I was advised I could only speak regarding the vehicle. I advised my fianc dropped the payment off my money order to the Lobel XXXX office. She then told me the payment was never made. My fianc called in and provided the money order numbers and the payment then magically reappeared after my car was taken. I called in to ask what I needed to do today to redeem my vehicle. I was told I needed to pay {$1200.00} by certified funds and the payment would take 15 mins to post and then I would need to contact the tow yard to find out fees and then I could redeem the vehicle. I was giving the run around by Lobel and the finance company for about an hour. I finally was given the location to my vehicle. I arrived at the tow yard " XXXX '' where I was advised I need to pay {$250.00} for storage fees. XXXX is a home/office/tow yard. I paid {$250.00} to " XXXX '' who asked me to sign a paper that was my " receipt ''. I paid the money was walking towards my car with my alarm remote. My alarm remote would not open the car. I was them told my battery was dead. XXXX called her husband who put cables on my car and left it on for about 30 mins and the car still would not charge. I advised XXXX moments after seeing my car that my in dash system was gone. I asked my amp was gone. I advised my wires to my amp and in dash were missing. I was told by XXXX that she had insurance and would file a claim for my property. Her husndand advised me they had issues with their driver who now is in jail for theft. I called Lobel Financial spoke to XXXX at the headquarters and I was advised XXXX was not responsible for my property or the vehicle and I signed a paper stating the property and car had no issues. I called XXXX Police showed them pictures of my property in the car and filed a police report. I went back to Lobel XXXX location advised of the car and my property and was told I needed to speak to " Headquarters ''. I asked for my money back and the gentleman who took my payment offered to return the payment. A lady them storms out her office and says I 'm sorry we ca n't return the payment you need to speak to headquarters. I called Lobel Headquarters spoke to XXXX who was more concerned about my fianc being with me to pick up the vehicle than my issue. I asked to speak to a supervisor multiple times and was advised she would call back. I never got a call back from a supervisor and my issue still is n't resolved
Hello my name is XXXX XXXX, I 've been apply for a personal loan in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and they denied my application because they said in my credit report shows somebodyelse information what is not accurate because is check my credit report trough creditkarma and it 's not showing anything else then my personal information