WillisBack/dataset-financial-user-claim huggingface dataset:
I completed the proper forms to request PSLF and emailed Fed Loan shortly after confirming my eligibility and asked that they provide me a date of transfer for the loans and got the following response : Thank you for contacting FedLoan Servicing! 
Your loans will be added to our system on XXXX XXXX, 2016. We will then calculate and provide you with the following information for each loan : - The number of qualifying payments you made during the qualifying employment period listed - The total number of qualifying payments you made during all periods of qualifying employment - The number of payments that are still required before you can apply for forgiveness - The date you are expected to be eligible to apply for forgiveness Your account must go through a detailed review process, unfortunately this review will take a minimum of 90 days to complete. This process can not be expedited due to the transfer of your loans. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday trough Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing Today I am being told by a rep at Fed Loans by the name of XXXX ID XXXX that the transfer of the loans from the original servicer who was XXXX took place on XXXX/XXXX/2016 and can take an additional 30 days to reflect on their system giving a post date on or about XXXX/XXXX/2016 which is not what I was told in the above email. I was then transferred to PSLF by the the Fed Loan rep and was told by XXXX the same thing but in addition to waiting up to XXXX/XXXX/16 for the loans to post, I will have to wait an additional 90 days from completion of the transfer to find out how many payments are eligible for PSLF for an estimated total of 5 months to complete this transaction which is not a realistic timeframe. In the meantime although the loans being transferred are currently in forbearance I have to sit and wait before I can pay anything towards the loans which is totally a violation particularly with my not knowing what my new estimated payment will be, how much the monthly payment will be impacted, nor the balance remaining due to this long processing period. If I had the preference I would have kept XXXX as my my servicer as their website is much more user friendly. I wish XXXX could handle processing/tracking of payments for PSLF. Fed Loans should take note and learn a thing or two from XXXX.
I bought the card at XXXX it wouldnt work, I went back to XXXX they called american express/XXXX XXXX spoke with someone there gave them the number of the card and gave them the las 4 of my social security, my mail. said there was {$500.00} 0n the card.I left went to choice wireless. When i got home i couldnt find the card. I called serve and got some stupid person on the phone couldnt help me I ask to speak to a mgr. I got a lady named XXXX. I gaver her my social security last 4 and  email address. she said their was XXXX on the card and put a block on it. She gave me a fax number to fax my XXXX reciept acopy of package the serve card came in then call back and give them a physical address beause they don't except P.O. Boxes. I called back got some guy on the phone with half.he said a new card has been made for XXXX, NV I tried to give him a physical address and he kept asking me for a pin # Which I don't have then he hung up on me. I have tried calling back and all i get is automated garbage was never able to speak to anyone.I want my money I have bills I have to pay.
Negative mark for late payment of 30 days fr Ford Credit. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker inXX/XX/XXXXdid not show this delinquency. I had a 36 month auto loan with Ford Credit ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX van we obtained sometime inXX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that Ford Credit was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of Ford Credit, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
I received a letter stating that my account was being closed for no reason and I called in and I was not informed as to why my account was closed and restricted, I think it some type of bias treatment.
In XX/XX/2017 I submit a complaint regarding two medical bills from CMR Financial, one of them was paid for my medical insurance and the second medical bill I made a payment arrangement with the company, and was told from them if I make payments on time they won't report to the credit agencies but was my surprise they reported the two accounts in my credit report, right now appears in my credit like derogatory of course the accounts has XXXX balance, because like I said before one of the accounts was their fault to report something that was paid, I proved with all the documents that I was right, and then they removed the balance from that bill, but still they reported to the credit companies.

The amount of the bill was {$6600.00} Member rate : {$1200.00} I just had to pay my coinsurance of {$200.00} plus my co payment of {$200.00} that was the money I paid for {$400.00} and made a payment arrangement of {$5000.00} a month that was paid long time ego
I applied to have my federal student loans put on an income-based repayment plan and, after submitting my paperwork ( including proof of my small salary ), I was asked to submit my wife 's financial information ( including her student loan info ). After this I was told I only qualified for a $ XXXX/month reduction because of our combined income. My wife does not pay my loans, I do, and this is completely ridiculous and unfair. I can not afford a $ XXXX/month student loan payment and either can my wife.
I am refinancing my home when XXXX mortgage said I was late for XX/XX/XXXX payment, not only that but, said I sent in partial payment. When I have proof of payment from XXXX of the payment sent on XX/XX/XXXX chashed on XX/XX/XXXX by XXXX mortgage. They sent this to the credit bur and refuse to remove it. This is not the only issue I have with XXXX mortgage my escrow account now when I went over to Freedom I had a surplus but now I 'm short. {$1700.00} XXXX said I received from XXXX. that 's a lie. XXXX is my new homeowner insurance company and I sent them some money about {$47.00} dollars which XXXX said I should not have sent. I dont know where XXXX got this from, XXXX even tried to put my home in foreclouse and sent me the papers for hardship. I need to know in writing where my escrow went. Freedom mortgage is the wrose
Since XX/XX/2017 I have been disputing some negative accounts on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stating that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified.
I applied for a mortgage with Mortgage Lenders of America to purchase a house. I had original worked with XXXX XXXX, XXXX # XXXX ( Applied XX/XX/18 ) who then resigned and then had XXXX XXXX, XXXX # XXXX take over the process ( XX/XX/18 ). 

Ms XXXX on XX/XX/18 sent me an email telling me that I am not allowed to shop around for another loan. I called and filed a complaint with her manger XXXX XXXX XXXX XXXX XXXX she was reprimanded but then continued with her unprofessional behavior. She sent a retaliatory email the next day and again today ( telling I am wasting her time ).
Bank of America has kept an IRS refund check, drawn on the treasury on hold. According to law, it is my understanding that BofA is required to release funds from a check, within one business day of deposit. I've called twice and spoken with different representatives and been told different things, so it appears their customer service has no firm or fixed policy regarding check holds. I asked them if there was some type of exception, or some problem, and was informed that it was due to " checks being drawn on high volume accounts take longer to clear ''. They are listing the hold time as 8 days from date of deposit, which is clearly illegal under federal law ( Expedited Funds Availability Act ) and the federal reserve 's rules, namely 12 CFR 229.10. It would appear that BofA does this routinely and regularly, in violation of federal law.
You removed  XXXX   XXXX   XXXX   XXXX  because the company could not provide valid information, they are the ones that removed it and you have put it back on my credit again. This is in violation of the FCRA. Experian is in violation of trying to reinsert information that could not be verified. I am demanding that this information be removed immediately. Unless you have updated information meaning PHYSICAL PROOF, a contract with my signature then you are in violation of section 609 of the FCRA
This company keeps calling my number and I AM not the person they are looking for. I have told them to remove mu number. I WAS called a lie and they left me a message and said, I hu on them but I did n't. They hang up on me every time I try to tell them they have the wrong number. I Spoke to a supervisor and he said, he removed my number, but I got a call today. They are so rude and I have told them and told them stop calling. They say their name is XXXX XXXX at XXXX. So how can I make this stop.
I have contacted Equifax multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. The XXXX/XXXX/2010. I need your assistance in getting this matter resolved and removed from my credit file.
Alliance One Receivable acct # XXXX, should have been paid by, XXXX XXXX XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just a different County. They never submitted charges to XXXX, and now it is in Collection.
Citibank personal banker opened XXXX unauthorized credit accounts, XXXX for myself and XXXX for my wife.
Capital One did not update my new address or phone number correctly. They failed to call or send my statement for three months. The reason I found out was because I was denied a loan for purchase of car. I called Capital one, and they admitted the above and stated they would wave late fee, and contact the Credit people to update that the delinquency was their error. I paid the bill, and they said I have to follow up in 10 days. My question is will my credit be justified, and how long.
My son and daughter in-law desire to assume the mortgage I have on a property. I requested and received communication from ditech on XX/XX/XXXX with instructions and paperwork that needed to be filled out and returned. All paperwork was completed and returned on XX/XX/XXXX. I called ditech on or about XX/XX/XXXX to inquire what was happening. ditech representative asked me to call back in 2 weeks as they didn't know. 
I called again on XX/XX/XXXX and was told that assumptions of loans was not permitted which is clearly false information as both my original note and the ditech website say that loans are assumable ( borrower must qualify ). My son clearly falls under the guideline of qualifying as a borrower subject to his and his wife 's credit. On XX/XX/XXXX I called again to follow up and was told they can't find any of the information that I sent them. Very deceptive as they will not allow me to talk to anyone in the processing dept, loan assumption dept or anyone other than a generic phone representative. They refused to give me the name of the mangers, or any supervisor that I could contact.
My ex-wife and I divorced XX/XX/XXXX I was court ordered to gave my ex XXXX the vehicle, I was ordered to sign the car over to her, with the court order she was to pay the loan, after 5 years of not paying, now the loan company is going after me to pay loan, In the last years, I 've not heard a word from the loan company about any of this, the loan company did not repo the vehicle, she still has the vehicle to my understanding, XX/XX/XXXX when I received my pay check, the loan company garnished my wages without me knowing, I received nothing in mail or a certified letter stating they were doing this,
We have case open # XXXX XXXX with your Consumer Financial Bayview and XXXX XXXX XXXX took over 4 years to modify the clients account, Bayview posted all trial payments on time with out any late fee into Suspense we complaint because Bayview had not posted payments and place in suspense. They recently posted the XXXX that was in suspense but, they charge late fees that client was never late during this time and balance after the XXXX plus went from {$360000.00} to {$350000.00} the payments have not been posted correctly need this matter resolve because Bayview has kept the payments on suspense four years and allocation is not done correct.
I have been trying to rent an apartment and when the landlord checks the credit report and evictions, an eviction from  XXXX  is coming up my on my record, but this eviction was dismissed and sealed in court on  XXXX   XXXX ,  XXXX . The case number  XXXX .
I submitted check # XXXX  from XXXX XXXX to BBVA Compass made out for {$1500.00} for the payment of my mortgage. This check was cashed by BBVA on XX/XX/XXXX for {$500.00}. I noticed the error on XX/XX/XXXX and contacted XXXX. They saw the check image and submitted an additional {$1000.00} to BBVA Compass to correct the transaction. I later received notification from BBVA compass that my mortgage was overdue. BBVA had not posted the additional {$1000.00} to my account and processed the {$500.00} payment as curtailment instead of a partial payment. I contacted BBVA on XX/XX/XXXX to have this issue corrected and they were unable to find the additional {$1000.00} transaction. I was told that I needed to contact XXXX   and have them send a copy of the voided check or transaction for the {$1000.00}. I contacted XXXX  ( case # XXXX ) and they provided me with the reference number ( XXXX ) and stated that BBVA was required to find the money since it had already been processed and finalized. I contacted BBVA again and was told that they would research and call me back ( reference # XXXX  ). I had to contact BBVA multiple times asking for the status only to be told after the third time that the research request was never created and I needed to send in a copy of my bank statement showing the {$1000.00}. I sent this on two separate occasions. Once on XX/XX/XXXX to XXXX, and again on XXXX XXXX XXXX to XXXX this last time with a new reference number ( XXXX ) and was told it would be resolved within 10 business days. I finally called again on XX/XX/XXXX and was informed that they never received the bank statement and didn't have a record of my issues dating back farther than XX/XX/XXXX. This has resulted in late fees being applied to my account, the accrual of additional compound interest on the {$1000.00}, loss of at least 15 hours as I had to fight this error, and loss of trust in the financial institution of BBVA Compass.
RISE Credit fraudulently pulled my XXXX credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with RISE, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my XXXX  credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with XXXX  and was told they have not received a directive from RISE to remove the inquiry. I spoke with RISE and they told me they had, in fact, requested the removal of the inquiry from XXXX, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but XXXX is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.
I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from Greene and Cooper. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.
Hello - I entered into a special program with Bank of America concerning XXXX XXXX cards to pay off my balance. They reduced the monthly amount I had to pay and I was required to set up automatic payments but I was never told that they would report the balance as 150 days late which ruined my credit rating with all three agencies. 
At the same time, I engaged a credit counseling company, XXXX, which helped me arrange payment plans with XXXX and XXXX XXXX. Neither of these companies reported the balance 150 days late as I was fulfilling my payment plan. The only reason I did n't also include my Bank of America cards is that I thought they were treating me the same since I was paying off my balance in good faith. I was shocked to see that they would ruin my credit ratings. 
Can you help me? 
Thanks XXXX
I received an offer from Midland Credit Management to settle an old collection account for " 40 % off '' 'if I paid {$740.00} by XXXX/XXXX/15. I mailed them a check for that amount which cleared on XXXX/XXXX/15. Today I received a letter stating " Our records indicate that your payment plan has expired or you have not yet established a payment plan on your outstanding balance. '' Now they are demanding {$490.00}. I feel this is unfair since I accepted their offer of a lump sum payment and consequently did not need a payment plan. 

I do not wish to speak to company representatives by phone. I took their offer at face value and was trying to do the right thing. I do n't believe their offer was a good faith offer or negotiation.
I reached out to MARS collection, to verify a colection that was reported on my credit the information below in order to verify debt. I recieved an email missing half of the information and was addressed to another party. I would mars to properly verify debt according to texas laws. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
I agreed to a XXXX procedure. I dispute the balance from the procedure because I did not get what I requested. The physician in question offered to repeat the procedure to give me the desired outcome. Why would I agree to pay XXXX for something that it is obvious the physician could not perform? It may be a good business model for the physician but in my opinion, it 's deceptive advertising. 

I offered to settle the disputed amount for less. Their response was to report a higher amount as a collection item to XXXX.
XXXX is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XXXX of XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.
According to my credit reports from XXXX, XXXX, & XXXX, National Credit Systems is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State National Credit Systems does not have a bond for the state of Texas to collect debt. National Credit Systems is attempting an illegal practice of collecting debt in the state of Texas.
My credit report dispute request was submitted to TransUnion VIA XXXX XXXX on XX/XX/2018. 
Transunion file number : XXXX. 
I got an update from XXXX XXXX to inform me the dispute request is currently being processed by TransUnion. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither TransUnion or XXXX XXXX. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
I have not had a XXXX phone since early 2007. I have tried to resolve my bill in the past but XXXX XXXX XXXX keeps reposting an old bill. I have no way to provide financial info from 8 years ago and they know that so they want me to prove it to them but I have no way to do that. Is there anyway to get XXXX to find out how old it is.
I received a notice from attorneys from the Law Offices of XXXX and XXXX XXXX, advising I owe a debt that I do not owe for my private home to NationStar Mortgage.
Over the past year - I have asked for a detail/itemized statement - which they have yet to produce.
I closed on my home on XXXX/XXXX/15 with a mortgage underwritten by Allen Tate Mortgage out of XXXX, NC. On XXXX/XXXX/15, I was contracted by Allen Tate to provide numerous pieces of information previously provided during the credit approval process prior to funding which I can provide back up for. Additionally, they want to come in my home to get more appraisal information on a closed loan 45 days later. They are saying the document I signed indicated I had to help them in any way they required but it says clerical errors and reasonable requests. The loan process is very arduous and I met all requirements and closed on my loan and now am being harassed by the lender. Additionally, it seems as though they have misplaced all the statements, pay stubs, etc in my entire file which they are asking me for again. Upon asking their Compliance Manager, XXXX XXXX where my personal data was and why he could not validate he had it, he said he was investigating further. My mortgage person at Allen XXXX, Nick XXXX will not return any calls on the matter nor tell me if I should forward the XX/XX/XXXX payment to Allen Tate Mortgage or the other company which sent me an email but has not sent me a statement. I am a XXXX year old female XXXX who saved and bought my first home and feel very strongly that this is harassment because of my gender and age as through every step of the process they have avoided my calls, repeatedly asked for additional info, charged a higher rate than originally quoted by a 1/4 point, closed the loan and now are asking for all the info previously sent 45 days after closing, this is terrible and not reasonable. Other consumers should be made aware of these poor and discriminatory business practices and do not listen to your Allen Tate real estate agent if they recommend their mortgage arm. Please help if you can and warn other females to stay away from this company! Thank you fir looking into this matter further.
I received a collection notice from a subservicer of my mortgage company. They said that I do not have documentation regarding hazard insurance and threatened to buy insurance for me. This is in spite of the information having totally transferred over from the previous sub-servicer and the information actually being online.