WillisBack/dataset-financial-user-claim huggingface dataset:
I have been consistently paying on my student loan from XXXX XXXX for several years. I have applied for numerous teacher forgiveness programs [ Title One School, Income Driven, and all the other ones offered to me ], only to find out that for one reason or another, I did not qualify ; however, one of the programs required a copy of my income tax return. Although I did not qualify for that specific loan, I was told that my payment would not be increased [ very strange since I file jointly with my husband, and now my payment was increasing ]. When I asked about the increase, I was told they miscalculated my loan... how could this be, since I had been paying the same amount for years? I specifically asked is the increase was due to my submitting my joint income tax return? Athough they denied it, I can not think of any other reason why they would all of a sudden increase my payment after several years. I am paying 1/3 of my salary and can not afford the increase. I email them every month stating that I am not able to include the increase as my husband is retired and on a fixed income, to which they suggest I again apply for one of their Teacher Forgiveness Loans. I am almost XXXX years old and do not plan on working another 10 years. If I continue to make my monthly [ the lower rate that I've been making ], I will be XXXX years old when the loan is paid off ... but it will never be paid off because I am already $ XXXXbehind from the increased amount. I NEED HELP! What can I do?
Accelerated Recievable Management Inc was reporting an outstanding {$25.00} balance they claim they purchased on an old school loan. Company was sent a certified letter on XX/XX/18, delivered and signed for XX/XX/18 and cashed XX/XX/18. 
On the check it was clearly stated cash to delete, along with this a letter was submitted asking them only to cash if they would delete acct completely within 30 days from all credit bureaus. Account is still showing on all credit reports violating the contract which became a contract upon cashing of said check. Also no corispondence whatsoever from said company.
It is shown that the following agenc y,   XXXX   XXXX   XXXX    with an address of  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number (  XXXX  )  XXXX , are not bonded in Texas and can not legally collect debt. They are active on my report as of  XXXX   XXXX ,  2017 in  the amount of {$190.00}.
I got an text alert about suspicious fraud activities on my account on XX/XX/17 morning. So I called Citibank to notify them that I did not make the purchase and close the account and reverse any transactions right away. That person used my credit card to make purchase from XXXX, XXXX and XXXX. I was able to stop the items before they were shipped out from XXXX and XXXX.The item purchased from XXXX was a {$100.00} e-gift card which was used to purchase XXXX gift card. 

Three months later, Citibank charged me for that {$100.00} gift card purchase because XXXX claims that the XXXX gift card was delivered to my personal email address and was used. I have never seen that gift card email delivered to my email nor did I use it. I have already notified Citibank of fraud activities on my account on XX/XX/17 and they should have protected my right as customer. But they refused to reverse the {$100.00} charge of that e-gift card purchase and I have to be responsible for it now. I have spoken to the customer service and security department from Citibank and they treated me like I was the scammer, instead of a victim of fraud. 

That doesn't make any sense to me. What are the ID Theft and Fraud Protection Service for if Citibank can not monitor and protect my account from fraud activities?
I have sent financials and request for modification to my mortgage co. SPS Several time over the last 2 years. Select Port Folio has been rude and not willing to help me. I want to keep my house. I received a letter from XXXX XXXX XXXX stating that my property will be sold XXXX XXXX, 2016. The property foreclosure letter was received 15 days prior to the property foreclosure sale. See Attachments In Tennessee it is the law notice of property foreclosure sale has to be sent to the Homeowner 30 days prior to the sale They have the paper work to modify my mortgage. Please HELP
I am on a payment plan. I contacted DISCOVER last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!
After exhausting all measures known to me to get more information and pay a debt that I supposedly owe, the defendant refuses to send photographic information to prove the debt is mine. A debt that was put on my credit without my knowledge and only appeared as I was trying to apply for another apartment a year later. The apartment complex, XXXX XXXX, nor the debt collectors, National Credit Services Inc., tried to reach me at the numerous telephone numbers they had nor sent out correspondences to the other addresses on file they had nor sent out a debt verification letter with an itemized list of charges or notification of my right to dispute the debt before putting it on my credit which is a violation of the FDCPA. I have filled with the CFPB ( XXXX XXXX ) and disputed it with the credit bureaus ( multiple times ; most recently XXXX/XXXX/XXXX ). I believe the reason for this was to try to force me pay for something that I do not owe, abusing their power which in turn makes me look less than an upstanding citizen ; even after numerous demand letters they still wo n't provide actual evidence of their claim. In the meantime, I have been denied car insurance, credit cards, financing for vehicle and apartments ; XXXX of those listed things are things of necessity. Without the apartment, my roommate and I have been homeless. Luckily, we were able to find some people who were able to help, but that does n't excuse the fact that we still need a permanent place of residence and that process was and still is unnecessarily hindered by the other parties. On XXXX XXXX, XXXX, I sent a correspondence to the Law offices of XXXX XXXX XXXX and XXXX ( they are representing National Credit Systems , Inc in this matter ) asking for substantial proof of the debt and as of today ( XXXX/XXXX/XXXX ) I have n't heard anything back from them in the form of the asked evidence or a general correspondence. They still have n't sent me all the information that I asked for in a correspondence I sent in XXXX XXXX ; information that is pertinent to the validation and verification of the supposed owed debt.
TransUnion Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Please see the attached XXXX Page Scanned Document, which is self explanatory and yet to be responded by ASC.
Property was purchased in XX/XX/XXXX for {$230000.00}. Assessment value of {$230000.00} at time of purchase. Loan was for a 30-year fixed at 95 %. Accelerated payments were made to the loan to achieve over 20 % accelerated equity in just over 1 year. 

The loan states it will remove the monthly PMI on XX/XX/XXXX unless the " the principal balance actually reaches 80 % of the original value of the property '' and four conditions are satisfied : I feel the bank and I agree that first 3 points are met, the four data point : " we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. '' I kept asking why is the bank requesting a BPO or assessment and they have not been able to respond to this question after multiple requests. The bank responded with it is required per the contract. However, it is not required, it is " if requested '' It has only been about a year. Why is it requested? The XXXX XXXX market is increasing as a whole and multiple documented sources provided. 

After 6 unsuccessful emails back and forth where the bank providing the exact same document I provided on my initial request to them. ( I kept asking " why '' is it being requested when it has only been a year ) I conceded and agreed to paying {$100.00} to {$300.00} ( the bank states its somewhere in that range ) for a BPO assessment. 

The result of the BPO stated the house decreased in value from $ XXXX to $ XXXX. The BPO failed to use the same floor plan that sold on the same street for $ XXXX and has a smaller yard, only 2 car garage instead of 3, and less upgrades inside. Also, there is a similar house that just sold two doors down for $ XXXX with a slightly larger lot but significant electrical issues. 

Please assist with removing the PMI. We need our loan balance needs to be below {$180000.00} and the current balance is at {$180000.00}.
Company : XXXX XXXX XXXXXXXX. 
Vehicle:2017 XXXX XXXX XXXX XXXX : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
On the XXXX of XXXX I made a payment for {$600.00} to my mortgage company ( SunTrust ). I made that payment using my banks web-site service. On the XXXX I made another payment using the SunTrust ( ST ) web-site. That payment got lost and they claim they never received it. I contacted SunTrust and informed them that I had a tracking number and the money was taken out of my account. ST told me they have not received it and that their web-site takes you to a third party when I make this kind of payment and they have no control over it. I was also told to fax my account statement to prove my complaint. After getting no where I was able to talk to management and I was told my second payment was mailed instead of being sent e-pay by third party which provides this service for ST. She told me that she would waive the late payment and she was sorry. On XXXX XXXX, received an email stating next payment due for XXXX 2016 is {$1100.00} so I assumed the problem was corrected. On XXXX XXXX, 2016 I received another e-mail that a payment of {$2300.00} is due now.
I have a credit inquiry on my report that I did not authorize from XXXX XXXX XXXX XXXX dated XX/XX/2017.
I currently have my student loans consolidated through XXXX after I graduated in XX/XX/XXXX. I have been making my payments directly to XXXX and missed one payment in late XXXX when an auto-payment failed to clear. The problem was corrected as soon as I found out, and I have not had an outstanding debt since.XX/XX/XXXX, ECMC called my work phone claiming they work with XXXX XXXX XXXX XXXX. I attended XXXX during the XX/XX/XXXX-XX/XX/XXXX school year and had since moved on. They mentioned the missed payment and that I had an outstanding balance. I checked with XXXX and there are no outstanding balances. I also checked with XXXX and was confirmed to have outstanding debts with the school. I explained to the woman from XXXX that I had no outstanding balances, and she began to launch into a spiel about how XXXX is contracted with XXXX to offer financial guidance. I declined and informed them not to contact me again. Today, XX/XX/XXXX, I was contacted again by XXXX claiming to be calling on behalf of XXXX and that they had previously helped me with financial management. I informed them forcefully they had never helped me, I had never requested their help, and that I did not appreciate them calling my work phone if there are no outstanding monetary issues to discuss. 

I am reporting about ECMC 's tactics because I do not know how they received my work phone number. I was not employed with my current employer when I attended XXXX. If they are calling on behalf of XXXX, that is one thing, but they instead called detailing outdated information regarding XXXX. 

I will be following up with Navient, and I expect XXXX will be calling my work phone again trying to peddle " financial help '' where clearly none is required.
I used my Chase Visa Debit card to pay for several purchases in XXXX on XX/XX/2016. The bank, without my knowledge or consent, charged me exchange rate " fees '' totaling {$4.00} for the privilege of using my card outside the country. These fees were both misleading and deceptive as I never agreed to them and would not have used the card had I known in advance. Chase has refused to amend the situation and reverse the charges, stating that they do n't have the " authority '' or ability to give me a credit and told me I should have contacted them prior to my trip so I could turn on a notification regarding those charges. Chase NEVER communicated any of these things to me prior to my trip and, frankly, I do n't know how many people call their bank before taking a trip nor should they be required to. The fees are misleading and fraudulent and I want them removed immediately.
Transunion has been notified that there are problems with my credit report for a while and has told me that their original investgation revealed that my credit report is correct, then sent me a letter saying that they can not continue with my request to block information on my report because there is not enough " information '' and then when I request the results and evidence, they send me a letter saying they need to do an investgation first. I have been told by my lawyer that Transunion is known for not actually investigating and I am starting to believe it, according to the FCRA, I am entitled to all the inforation from all these other investigations so why can I not get those results while this " new '' investigation is being done.
i have a report onXX/XX/XXXX saying i have a collection / charge off on a accont that was settled and closed in XXXX.
I have been a Bank of America credit card customer since 2009. I have never been late and have carried a balance for most of those years. I finally paid off the credit card. In the month I paid off, I returned to the website and made two additional payments for a total of three payments. My last payment I paid {$7.00}. It actually shows I overpaid my account. Then BOA issued a trailing interest amount of {$6.00} and I was unaware. When I call to try to understand how they charged me additional interest when I paid off the card ( only a few days ) the month before and paid all charges, interest and amount due ( three times in one month ), they do not provide a reasonable or logical explanation. They say you have to pay off your credit card for two months in a row, so one month paying all charges and interest is not enough. This is unfair and unreasonable. After I called, they immediately said they 'd waive this amount, but that is after they reported me to the credit bureau with a sixty day late. I was unaware of this trailing interest and can not get a detailed explanation of why I was charged this amount, reported to a credit agency, then told the amount could be easily waived. How can they report me on an interest only trailing amount that they easily waived? I am a long term customer who has NEVER been late with a payment. I did not receive a paper letter that this amount was owed or a single phone call. They just reported me and now say they can do nothing to help me. Bank of America practices unfair credit practices. They are not acting professionally, reasonably and they obviously do not value customer relationships. I have called them 4 times and no one has been able to help. I want this amount removed from my credit report and I 'd like to receive a letter of detailed explanation as this has damaged my credit report and caused a lot of XXXX in my family.
On XXXX XXXX, 2017 Ditech Financial LLC received ( via certified mail ) a request from me regarding payouts that had been made from my account : # XXXX. It has been 38 days and they have not provided me with the information. They refuse to call me even though they assured me via email that they would.
I received a tax lien XXXX/XXXX/2011 against my credit. I proceeded to make payment and requested the IRS withdrawal the lien based on meeting at least XXXX of the criteria IRS Section XXXX ( XXXX ) which the IRS granted me a complete withdrawal on XXXX XXXX 2011. I proceeded to contest the XXXX bureaus with the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX document of which XXXX and XXXX deleted the derogatory public information Tax Lien. Equifax however refuses to delete the derogatory public information tax lien. They contest that is has been " Released '' however I contest that it should be completely " Withdrawn. '' I have recorded the withdrawal against my primary residence at that time XXXX XXXX XXXX XXXX XXXX Colorado XXXX. I have contested this on several occasions and Equifax continually refuses to delete this derogatory public record. I feel they are incorrect and this should be deleted.
On Friday, XXXX XXXX, 2015 the bank branch manager at PNC, XXXX claims she received a phone call requesting she fax our bank statments for the last three months to an institution. about a week later my nusband noticed a {$15.00} charge to our account and inquired as to why. He was told by the bank manager that she had a call on XXXX and that the " recognized my voice '' and faxed statements and charged us for photocopies. 
ISSUE : I never called the bank requesting this action. Neither XXXX of us were told about this or asked to come in and sign a release for our information to be faxed. We took our phone records at a later date to prove we did not do this. This did not matter to her. We went to the police department but they can not do anything. My husband was advised to leave this bank as our information could be anywhere and compromised. 
It is unlawful to fax bank accounts without the written permission/release by the account holder. There is no written release by me or my husband. We have since removed all the assests possible from PNC BANK in XXXX, NC and opened new accounts in another bank in town. We feel we were treated poorly by negligence on the part of the bank branch manager who took the bogus phone call and faxed our information without our knowledge. We need PNC to admit wrongdoing and return our money charged for photocopies.
I disputed a charge with Discover Card. My wife canceled an order with XXXX before the phone rep. placed it because she did n't agree with the tax. The phone representative assured her the order was not placed. Two day later a charge from XXXX was on my card. 
I disputed it because she told them not to place the order and she has never received the product / order as of today. The charge was {$17.00} ( XXXX of XXXX ) installments.
I cosigned on a student loan for my Brother and he failed to make a single payment, which was due on XX/XX/XXXX. On XX/XX/XXXX, I began receiving automated phone calls from Sallie Mae, reference " A business issue '' and directing me to call a number they provided in the message. Due to ongoing fraudulent activity with such calls, I did not return the call, however, I did check the account and noticed the account was a few days past due. I contacted my Brother and a full payment was made. After making the payment, I received three more automated phone calls from this company, each one to one and a half hours apart from each other. This type of harassment is unacceptable and is taken as telecommunications harassment and in violation of FTC regulations. To receive constant phone calls such as these every hour to hour and a half if a violation of it 's own and taken as harassment, but to receive NUMEROUS phone calls AFTER the payment is made is ridiculous.
XXXX, XXXX  AND TRANSUNION HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.
I had payment agreement with a medical provider to pay bill at {$25.00} every other week which I started immediately. Provider then sent account to collection in spite of agreement and then stated they are no longer collecting the item. I have attached several docs showing that I made a {$25.00} payment and then a bill after that from the medical provider showing they transferred the account to collection company as a bad debt write off in the amount of {$750.00} despite the fact that I was making payments as agreed. The collection company, Consumer Collections Management Inc. then sent me a letter stating they are collecting the debt and the amount went up {$150.00} for a collection fee, of which they can not validate that I EVER agreed to this with the original provider. This is a clear FDCPA violation. Also, they sent me the letter saying I had 30 days to dispute the collection in XX/XX/XXXX ( also document attached ) to which I responded in writing by certified mail right away and far before the alloted 30 days. ( I have attached the proof ), however they reported it on credit immediately and despite my letter, ignoring the law. Also they did NOT respond in 30 days or less after I asked to prove or validate the debt. Consumer Collections did NOT validate the debt or that I owe them as requested. When I called today and spoke with XXXX XXXX and told her that they need to send the validation that they can charge a collection fee or I they were in violation of FDCPA, I was transfered to the supervisor who refused to give her name and then she said she would send something in writing but the collection charges still stand and then hung up on me claiming I was being rude, which I was not and have a recorded call to prove it. This company is clearly operating by collecting debts using illegal tactics and ploys all while charging illegal fees for collecting debts without the legal ability or agreement by consumer to pay the fees with orginal creditor/provider. Luckily, I know my rights. I have sent payment to the medical provider for the {$750.00} dollars to satisfy the debt in full. I do NOT owe the collection company and insist that they remove the collection immediately from my credit and NEVER contact me again. Please help enforce this and advocate my rights and protect and honest consumer or I will hire and pursue legal relief and remedy to the fullest extent of the law.
I never receive notice on this debt, I believe XXXX place this collection on my credit report because they were upset I cancelled the membership to their monthly credit monitoring services.
There is a private student loan issued by Bank of America opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was student.bankofamerica.com. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.
i try to dispute this trough XXXX severals times, specially my last dispute on XX/XX/XXXX was ignore, XX/XX/XXXX was ignore as well ( i even send the other party a letter on XX/XX/XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since 2009 and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.