WillisBack/dataset-financial-user-claim huggingface dataset:
I attended school at  XXXX   XXXX     XXXX   XXXX    -  XXXX   XXXX  years ago, probably  XXXX  or so, and in order to do so I applied for FAFSA loans. Most of my loans were set up through the Department of Education.     I am a single Dad, and at the time I was offered what they called " Creative Education Loans '' which were private loans. Although I was not told this at the time. They were sold to me as the same type of loan and situation as my Department of Education Loans.     Furthermore, as a sing le Dad I qual ified for grants which I was not informed of until  my 4th  year at the school. I was only able to take advantage of these loans during that final year, when I should have been able to take advantage of the loans for all 4 years.     I feel I was preyed upon by predatory lending by the school finance department.     I began repaying my loans in  XXXX  - with {$92000.00} and {$10000.00} in accrued interest. I can not afford my loans, but earn a  XXXX  figure salary. Therefore I do not qualify for any programs which can assist me. My son is now  XXXX   years old (  he was around  XXXX   years old wh en I started back at school ). I still owe {$94000.00} ten years later - and am having trouble making the payments with my housing costs and being a single Dad.     All of this is very frustrating and I 've been searching for ways to get out of debt, to no avail. I would love some help please.
On XX/XX/XXXX, I contacted Mr. Cooper to request a reinstatement figure so that I can make the decision to reinstate the account. I spoke with XXXX and she advised that the request was submitted and i would receive my request within 3-5 business days. On XX/XX/XXXX, i called back since I had not received anything, and XXXX advised that it was actually re-ordered with the Attorney Fees that same day and I would need to wait another 3 days. Again, I called on XX/XX/XXXX since I still had not received anything and XXXX shared the reinstatement amount with me verbally, however requested that I still get it in writing because I wanted to compare to the post petition payments I had been paying on under the Chapter XXXX. I received nothing. Yet again, I called on XX/XX/XXXX and spoke with XXXX, who then informed me that the request had to be submitted in writing and i would need to fax it to a direct fax number in which i did the very same day. As of XX/XX/XXXX Mr. Cooper has confirmed to have received my fax and my  verbal request. Today is now XX/XX/XXXX and I still have not received anything. At this point, my account is just accumulating and I just want to be able to get this taken care. I really need your assistance in getting this information. No one there seems to be able to help.
They called me on my job and when asked not to call, the rep said that they 'd call again if they needed to verify my employment. They also talked rough and kept asking me to commit to a payment. When I said that I did n't know how much I could pay, they tried to bully me into to making a payment by saying, " Do n't you know how much money you 'll have. '' They also told me that they 'd put this on my credit report and I 'd have trouble renting a home/apartment in the future. Lastly, I called them on Wednesday, XXXX XXXX, XXXX to ask them if I could settle the account with a {$100.00} payment since my balance is {$200.00} and I had n't made a payment since XXXX XXXX. They refused the payment. So, I said, " Ok, I will take the {$100.00} and pay it towards another bill, '' and the rep said, " Ok. Have a nice day. ''
XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
I received a {$60.00} prepaid card as a rebate for a set of XXXX tires, which I had misplaced for a time. When I found it, it appears to have expired within the last couple of months. I called the issuer to request they re-issue the card ( I had not used any of the stored value ), but they refused. While I understand the concept of expiriation dates, I feel the company should have reissued the card as the date only around 6 months from issue and had only recently expired.
SLS sent me another request for documents, requesting the same documents which I previously provided several times. I resent those records today, and then sent additional documents. SLS also again personally harassed me today, even after I have reported a similar incident. This morning, a car pulled into my driveway, rang my doorbell and then waited in my driveway for me for several minutes. I went out and asked what was going on, and a woman exited her car and said that she was from " SLS '' and that she had come to see if anyone was living at my home and also told me to call my mortgage company immediately. She also said that she left something on my doorstep. This is the same thing that happened to me a few weeks ago. I asked her if she had ever been at my home before, and she said no, but she looked like the same woman and the same passenger who had come to my home previously. She left me a " confidential '' note on my doorstep, but waited for me to come out of my house to walk up to me and talk to me also. I asked her why she had no identification and she said that she did not have to have any. She had XXXX county license plate number XXXX. She said her name was XXXX XXXX. The note inside says " Urgent Notice : please contact your mortgage servicer immediately, '' but then gives the number which is not SLS ' number. When I tried to contact SLS afterwards, they hung up on me XXXX times, so I could not get through to anyone to see why this had occurred and to ask why I was to contact SLS, and also to ask why I was given another number which was not SLS ' number. This is harassment. SLS has been given my contact information repeatedly. There is no reason for SLS to send persons to come and park in my driveway, wait to confront me personally, and leave me an " urgent '' notice on my doorknob, other than to harass and intimidate.
Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.
My city made my property tax exempt, after deceasing the mortgage for over two years. Without notice the lender FlagStar Bsnk added taxes back to mortgage. No matter how many times I sent in proof of exemption they would not change it. They drove the mortgage up and would not take my payment without the taxes stating they were short payment. They tried to justify the increase by stating that the mill rate in my city went up, however it was unchanged that year. They put me in Forclosure and would not grant a modification. XXXX is now involved and they took title of the house. No one would address the tax issue or the double of the mortgage.
I received a letter from XXXX XXXX saying that they think that someone may have been opened a credit card account using my personal information. I made a personal credit report from Trans Union and I saw that someone has my name but different address.
I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.
I am writing with regards to the closure of my Chase Freedom, Chase Freedom Unlimited, and Chase XXXX cards. The reasons given to me were that 1 ) I have too many credit inquiries and 2 ) I have too many cards. 

Regarding the first point, Chase inquired into my credit twice for the XXXX card and the duplication is being removed. I received a letter dated XX/XX/18 confirming this from Chase. In relevant part it states : Weve sent a request to the credit reporting agency shown below to mask the inquiry from XX/XX/XXXX. And this inquiry will be removed within six to eight weeks, according to Chases Credit Bureau Specialists. 

As to the second point, the only card I have opened as of 2018 is the XXXX card. This was a card that Chase solicited and pre-approved me for. They claim that this is the 4th card I have requested with them and this is not the case. 

I have inquired as to whether there are any other reasons and the chase banker I spoke to on XX/XX/18 claims that these reasons i am deemed a credit risk. 

Objectively this is hard for me to stomach : I have banked with chase for 11 years ( Since I was XXXX XXXX XXXX ), I have never missed a payment with chase or otherwise. And they were informed that I am currently working at XXXX 's law library while I study for the bar before I begin my legal work on XX/XX/XXXX making XXXX a year.
We bought furniture from XXXX XXXX in XXXX, XXXX in XXXX of 2015, everything went well until it came time to pay. We asked for and were granted a loan a loan on the purchase. We paid {$400.00} down on a {$3400.00} requested loan which left $ XXXX loan was through American First Finance , XXXX, XXXX, at the time we were not informed that this was the provider of the loan. 

We signed a bunch of papers thinking we had done a good job of reading everything, ( guess we missed a bunch ). During this process interest rates were never brought up, ( I guess my wife and I assumed that it would be like XXXX or XXXX XXXX??. 

We only requested terms as we were waiting for the closing check from the sale of our house in XXXX, which we told the sales person, and we would pay the loan off. 

We waited for 3 weeks or so expecting something from the loan company and nothing happened. We called American FF and requested info, ( this was after we discovered who had the loan ). We were hung up on XXXX times, the third time we got through and requested information, which was sent. This is when we learned we had a 120 % loan for 24 months and it was set up to auto draw from our checking account. ( we missed this one, our fault ). 

I called my bank ( XXXX ) to cancel the auto payment and at the same time transfer money from my checking account to pay the {$3000.00}. After a wait on the 3 way call AFF agreed to let XXXX cancel the auto withdrawal. XXXX issued a {$3000.00} check to AFF to pay the loan. 

We waited, checking everyday for the check to clear, and making calls to the XXXX # and were told time after time that the KC office never received the check. I kept calling and finally received a return call and they were all from XXXX XXXX and not a XXXX XXXX, at this point I stopped payment on the 1st check and had XXXX send a certified check to the same address, which was received and cashed and we received notice. Two weeks later we receive a letter from AFF inc.with the 1st check and void written across the check.????????????????????????? 

As I write this my credit report still show that I have an open balance with AFF. INc of {$3000.00} and this was paid off XX/XX/XXXX. 

AFF. Inc seems to be located in XXXX and not XXXX and XXXX and AFF seem to be working together to take advantage of customers, anyways XXXX % interest is ridicules, and the way they go about it is a crime.
I have an entry on my XXXX credit report ( which I have just disputed ) for an old XXXX card, that I settled with a previous debt collection agency.
I don't know who this is or what this is all about but I keep getting these phone messages from someone named XXXX from an ( XXXX ) XXXX phone number saying that legal action will be taking place and I will be arrested for so debt I know nothing about. I've never received anything in the mail and this man has contacted my ex-husband.
I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX Il the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances
Leasing agreement was terminated appropriately and no additional payment was due. I am now being held responsible for non payment of the agreement. I also never received any correspondence regarding this collection from either XXXX XXXX XXXX or Southern Management Systems
I have contacted Navient many times trying to release and ex husband who refuses to help me with the student loan. I was told they would not help me and that they could do nothing to help me out and release him even though the divorce decree says I am totally liable for the loan. I am a single mom with no support and they will not help me get onto the income sensitive payment. My loans with the educational loan have a payment of {$0.00} based on income sensitive repayment but Navient refuses to help me and I can not afford the {$370.00} they want per month.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX and 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department of Education/XXXXt is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.
I keep getting calls from different numbers, claiming that they're XXXX XXXX XXXX XXXX and are collecting debt on behalf of XXXX XXXX XXXX. I haven't received a letter of validation for my debt. They did not even disclose how much I owe. I haven't even received an email, which I know XXXX XXXX has my email.
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Business name XXXX XXXX XXXX. 

Ref : account XXXX to whom this may concern : I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract.
On Saturday XX/XX/19, I needed to access the funds in my savings account in order to put an offer in on a house. I have recently relocated and am in another state that M & T is not located in. I decided to transfer funds from my savings account into my checking account that I have with another bank that is more accessible. I tried to do so online as the website suggests. However I was unable to do so, the website told me to call customer service which was unavailable on the weekends. On Tuesday morning XX/XX/19, I called customer service and they told me there should be no issue. I was able to get further in the process, however when it came time to actually transfer the money, I got the same error message. The representative that was on the phone with me told me that the company flagged it as fraud because of the amount ( {$1400.00} ), but it should be cleared in a couple days and I can make the transfer then. I let the representative know that due to the nature of the situation, I do not have a couple days. They are my funds and I need access to them at this time. I was transferred a couple more times, ultimately speaking with a supervisor who offered to increase the limit ( to {$2900.00} ) that I am able to withdraw from and ATM so I could access my funds that way. When I asked about the fees from using another bank 's ATM, I was told that they can only waive fees assessed by M & T ( This wasn't offered to me, I had to ask for it ). I then let them know that I was not asking to waive fees, I was asking to be reimbursed for fees I have to pay due to M & T blocking my online transaction. The supervisor said there is nothing they could do about that and transferred me to a manager. The manager also told me that there was nothing she could do because it was not due to an M & T error, the fraud alert was supposed to happen. The transaction I made that caused the fraud alert, was made with the instruction from a representative in the online banking department.
I WENT DELINQUENT ON MY LOAN IN XX/XX/2013 AND THEY GARNISHED MY WAGES IN XX/XX/2013 AND GOT PAID IN FULL FROM MY EMPLOYERS CHECKS I WAS WORKING AT XXXX XXXX IN XXXX XXXX XXXX AT THE TIME, AND IT WAS OWNED BY XXXX, OUT OF XXXX, I KNOW IT WAS PAID AS I WAS UPSET BECAUSE IT WAS MY LAST PAYCHECK BEFORE XXXX. I DO NOT THINK I SHOULD HAVE TO PAY FOR THIS A SECOND TIME AS I HAVE ALREADY PAID IT, AND THIS IS UNFAIR, IT IS HURTING MY CREDIT AND IT IS KEEPING ME FROM BUILDING MY CREDIT AND IT IS KEEPING ME FROM PURCHASING NEW THINGS THAT I WOULD LIKE TO HAVE. I TALKED WITH THE PERSON THAT WAS COLLECTING ON THE LOAN BACK IN XX/XX/2013 AND HE IS NOW THE COLLECTION MANAGER, NAME IS XXXX, AND HE SAID HE HAS NOT RECEIVED PAYMENT AND I KNOW HE DID FOR SURE 100 %. AND I HAVE NEVER RECEIVED A BILL OR ANYTHING UNTIL I MOVE OUT TO MY NEW HOUSE IN XXXX, XXXX I GOT A LETTER STATING I OWE A BALANCE OF XXXX & SUM-DOLLARS, AND IT IS WRONG, IT IS PAID OFF! PAYDAY AMERICA IS NOT THE GREATEST COMPANY TO ME, AND I DO NOT UNDERSTAND WHY THEY ARE DOING THIS. THEY ARE PUTTING ME AND KEEPING ME IN A HARDSHIP BY REPORTING THIS AND ALSO HAVING IT ON MY RECORD ; AS YES I KNOW I DID STUFF TO MY CREDIT ALSO, BUT THEY ARE JUST KEEPING IT THERE AND ITS ADDS UP!!!!
I have sent several letters to TransUnion to investigate the validity of a collection agency. I have also sent the letters to the collection agency. I received a response back stating that the debt has been verified. I asked for verification not validation. The collection company sent me copies of the bill from the doctors office. The patient information is incorrect on the bill.
Our mortgage was sold to Seterus. In XX/XX/XXXX we changed our house insurance. Currently, our insurance has now lapsed even though Seterus claims they paid it. XXXX has n't received payment. They have essentially refused to give us an accounting of the escrow account. The old company was paid and returned the check. I sent a {$2000.00} payment to Seterus labeled " FOR ESCROW ONLY!!! '' to restore the escrow to a positive balance due to what appears as over payments of insurance. They put those monies on the principal. ... As it stands our escrow is deficit, we have no house insurance and we can not get any facts on the account from them or from the online portal. The tax department says the winter taxes were paid. The escrow department says they were not. The last standing online records were from 2014. I suspect when we call in today they will not correct where the money was applied in the wrong place. This problem has been ongoing since XX/XX/XXXX. Again, we do n't have home owners insurance currently. We need help from an entity that this company is forced to recognize.
I paid my XXXX account with auto pay and my final payment was XXXX. It did not clear my account. I noticed it when I was reconciling my checking account. I went on line and scheduled it again that day. I notified them and emailed them about the problem. I was told that they refunded the late fee and it was not reported to the Credit reporting agencies. I called them to question it and they said we do not offer goodwill reversals, they said just dispute it. I made may double payments and paid the account off before 42 month no interest terms. It was paid 28 months in full. I was only past due {$4.00} because of advanced payments made and I received no secondary notice or email notification that the draft scheduled on due date did not clear the account. I have never been late or reported to the Bureau. I would also not pay an account off in 28 months early and jeopardize my credit for XXXX bucks. 

I attached a copy of the email showing that when I contacted XXXX that autopay was still on and they canceled it as of XX/XX/XXXX. Yet they did not draft the final payment as they have done since I had the loan. This is out of my control if a companies system does not properly execute their auto-pay feature and draft my checking on the due date. 
I provided the document showing that on XX/XX/XXXX when I caught the error ( no payment drafted ), that they did have autopay still on the account and she canceled it on XX/XX/XXXX. Why was no final payment drafted on this loan? How is this My fault? I paid them every month by auto-pay and they need to review and reverse this 30 day over due payment report. It is there error, not mine.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

1. XXXX XXXX 2.XXXX XXXX
In XX/XX/XXXX, I submitted a timely response to recertify my IBR plan. XXXX botched it and didn't process my application, I had to spend time getting them to process it to prevent a payment increase. 

In XX/XX/XXXX, they audited my account and determined that I let my IBR plan lapse in XX/XX/XXXX and they retroactively capitalized {$13000.00} in interest onto my principal. 

I want that interest de-capitalized and I want damages awarded based on interest I have paid on that wrongly capitalized interest.
This collection is for a bill for a medical procedure that was covered 100 % under my XXXX insurance. I have made repeated attempts to resolve this collection with the collection agency ; BCA Financial Services. They tell me to disregard the mail notices and that they will process through XXXX again. But, the collection stays on my report.