WillisBack/dataset-financial-user-claim huggingface dataset:
I graduated from a XXXX program in XXXX of XXXX. I started a XXXX in XXXX of XXXX, however was not supposed to be listed as being in school and my loans spent the usual amount of time in the grace period, ending in the XX/XX/XXXX. I immediately signed up for a income based repayment plan and autopay to take advantage of the .25 % reduction in interest. I was then notified that my loans were back in deferment because the school had listed me as a student. In XXXX, I began the process of trying to solve the situation, however most employees at Nelnet that I spoke with had no clue of the correct way to proceed. After sending exact information that I was told needed to be sent from my school, I was told that it was not sufficient and that I needed to send a specific form. Unfortunately, my school listed the incorrect year again and delayed the process. It took me a while to get back to address the issue. Every person I spoke with indicated that there should be no problem retroactively applying the 0.25 % interest reduction once resolved to the original sign up date. I was just notified today that they would be retroactively applying the discounted rate to XXXX because that is when they received the correct form. There were multiple failures from Nelnet in processing this problem and should have been solved with the first phone call. They are acknowledging that there may have been human error, but refuse to retroactively date the interest reduction to when it was initially applied. The representative I spoke with today indicated that leadership had reviewed the issue and this was their final answer. I do not accept this as an acceptable conclusion to their failures. They indicated the reason was that I took so long to turn in the 2nd form with the correct year of graduation.
Sometime in XX/XX/XXXX, a friend had gutters put on his house and was happy with the product. He asked if XXXX XXXX if he would like to speak to the company. XXXX XXXX and XXXX XXXX, XXXX. XXXX XXXX agrees to a showing. 

The appointment was with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX, XXXX, was on XX/XX/XXXX. 

XXXX measures the house on a very brutal XX/XX/XXXX, day. asked if XXXX XXXX was going to assist, he replied no, and came the house. XXXX was out measuring for forty-five minutes. When she ran in, she needed a minute to warm up. 

The whole conversation about the entire contract between the XXXX XXXX was verbal. No paperwork left with XXXX XXXX about the work to be done. Only a simple credit application with approval, already maxed out by the contract price and signed by XXXX XXXX. When XXXX XXXX realized, all XXXX left him with was a credit card sign application and an illegible and incomplete cancellation form. The following day we requested such forms billing of the job, complete information for the cancellation notice, and what specific discounts did we get with our package deal. We explained we had just saw a commercial claiming discounts. We wanted to see a billing for the work to be done and the discounts spelled out. We will refer you to the first few attachment for better clarity at this point. 

Part two : XXXX XXXX sent a representative XXXX XXXX. top sales rep. to speak about the issues. He was unprepared to answer the questions about the difference in billing and statements. But he tried. He understood the problems with how the drainage system was over worked in some areas causing flooding of the back enclosed porch and under worked in other areas. Apologized for the language barriers with the installer who did not speak XXXX, and therefore could not make the adjustments as XXXX represented in the walk around the house. We were less than impressed about why he too is unable to give me figures on the billing. therefore Wells Fargo gives them an amount they will finance and they bill according to the financing available. nothing to do with materials and labor. 

We are dissappointed to report that Wells Fargo is aware of bad business practices of one of their loan program contractors they do business with. Our compliant with WellsFargo Bank, is that the job is priced according to the amount Wells is willing to loan. Our complaint number for that company is XXXX against XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). To date Wells Fargo is aware of the Company 's  inability to give a true billing of charges and are not according to TV commerial. Wells Fargo is also aware we have damages due to this installation of product. And are still wating for the corrections to take place. We also feel that the job is over priced due the excessive use of downspouts. 
With all our dissatisfaction, Wells Fargo has, returned to activating the card for regualr payments. 
We are waiting for full resolution to the above listed issues are resolved to return to payment status. This event took place on XX/XX/XXXX.
Fail to Send a Written Notice of the Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I WAS NEVER CONTACTED OR MADE AWARE OF THIS DEBT
I had an account with Citibank and due to the ending of a XXXX year marriage ( divorce ) that financial devastated me, and I defaulted, I lost my house ( I lost everything ). 
I am trying very hared to correct/improve my credit ( at age XXXX I do not have many earning years left ). 
The issue is that Citibank sold my account to a third party and my credit report shows a opening date of XX/XX/2016 not the actual date and is adversely affecting my ability to acquire credit.
our mortgage company XXXX sold our loan to Nationstar in XXXX ..nationstar is saying that we are behind XXXX payment since XXXX of 2015..when we were with XXXX. I have all my checks and paperwork from XXXX showing all of our payments were made and escrow was sent to Nationstar as of XXXX 2015..I have called Nationstar 13 times they gave me false email accounts. false fax numbers. talk to a manager emailed her proof everything was paid. they will not try to fix the problem or help me out..they just keep saying I am behind a payment. not with them ... .but when I was with Ocwen..
I have discovered and notified OneWest Bank pursuant to XXXX XXXX XXXX, that the Assignment of Mortgage on my loan was was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. I also requested OneWest Bank to investigate pursuant to XXXX XXXX XXXX. OneWest Bank has failed to respond and acknowledge the robo-signed Assignment of Mortgage that they are attempting to use in a foreclosure proceeding.
I am XXXX XXXXXXXX Equifax STILL insists I am not. Emails and USPS Mail arrive in NOT MY NAME > I WILL NOT OPEN USPS ADDRESSED TO NOT ME. As far as I am concerned, NO effort is being made by Equifax to corret the Illegal Information gathering and distribution. I see it as a constant and demeaning abuse for them to CLAIM all is better now. As well as deceitful, deliberate act.
On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.
I paid off my loan early. I sent the lender a check for the outstanding balance and added extra funds to cover any pro-rated interest. The lender has put my payment in suspense and will not credit the payment made until I send additional funds to cover recording fees. The recording fee amount exceeds the actual recording fee charged by my county by {$100.00}. I have asked the lender to tell me who the 3rd party is that is being paid the {$100.00} as I am entitled to know according to section 23 of security instrument. I have been unable to get a response. The lender has now added late charges to my payment which is was not late. I have asked that the lender credit my payment and send me the original note and reconveyance so I may have them recorded. I have been told they are not allowed to do that. I asked to speak to a supervisor or someone who can answer my question intelligently and I am told they are not available by phone. This servicer is a very large loan servicer. I have to believe the additional {$100.00} they extort from their customers paying off mortgages is a very profitable but illegal cost center. 
I also did not request the demand statement that was issued so I do not expect to be charged for the statement.
For over thirty years, my mortgage payment was never, never late. It was setup as an automatic payment. Over a year ago I refinanced my home with a XXXX loan with Embrace Home Loans serviced by LoanCare through automation. Then some six months later, my loan was sold/transferred to XXXX Mortgage Servicing Corporation on behalf of Embrace Loans. I was given a new mortgage number that needed to be setup so that the new servicer could receive payment. Then six months letter I receive another letter informing me that my loan was transferred back to XXXX with another new loan mortgage number. So when I attempted to make make payment, I am told that I have several loans and choose the loan I want to make payment to. This process of transferring my loans has become my burden of paying my loans without being charged for late payments. 
This would not be an issue if the mortgage servicers would make these transfer of information less frustrating to the customers. The loan servicers selling and reselling this loan are making the profit and I the customer have to be extra concerned that my mortgage does not become a late payment thereby putting extra fees unto my loans.
An address listed on my Equifax credit report is not mine. This address is my Ex fiance 's address.
Equifax is listing a paid account which has been paid and is affecting my credit. 
Equifax is the only bureau that lists this as such.
Please remove XXXX from my collection and any another areas that it is showing up. It is flagging as an eviction when really it was a collection for XXXX, is preventing me from renting, and was dismissed with my bankruptcy.
There is an item on my credit report from XXXX that is not mine. It's called Systematic National Co. dated XX/XX/15. I suspect that it was my daughter, who did this. She moved back in with me in XX/XX/2015 with her shady boyfriend. It was investigated by XXXX   and they found it to be accurate. I am a victim of identity theft or fraud. Can you help? 
Report # XXXX.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX  Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2015 Balance : {$80.00} Terms : High Balance : {$80.00} Limit : Past Due : {$80.00} Payment Status : At least 120 days or more than four payments past due Comments : CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT
This is a serious complaint against my XXXX XXXX credit card. I have been making numerous complaints but the issue is still unresolved and nobody is taking any action. I do receive a call from XXXX every month in order to collect a debt but its hard to make them understand that its not a debt that I owe. I purchased a few things from XXXX but when I was asked to make a payment, the system didnt process and the very next day I was charged a late fee + interest charge. I requested the staff if thy could waive the late fee but she talked it in an extremely rude manner and refused to waive the late fee. As a result, I returned everything back to XXXX. Why should I buy from XXXX when they cant learn to communicate respectfully? Even though I received the refunds credited back to my account but XXXX is constantly charging late fee and interest on a late fee. And now theyre expecting me to pay {$130.00}. I wonder wats the motto of these credit card companies - torture their customers and force them to commit suicide. This is ridiculous. And I have been seeking help from CFPB yet fail to receive a single response. I hope u dont ignore my request this time and try your best to resolve the issue. 
Thank you for your consideration
Validate the debt before any attempt to collect. I am very disturb with their limited responses ignoring all validation requirements by the FDCPA of 1977 as I request validation Unifund needs to come up with requested verification
I call up to make a payment usually day before or the day of. They refuse to take my payment from me. They call me back the day after ( so its now late ) and tell me to pay the late fee. as I refuse to pay it, they then proceed to call me while im at work at least XXXX to 15 times per day until I pay it. I have gave this company so much money in late fees because they refuse to take my payment early. I am then harassed every day until the payment is made and then made to pay a late fee. This is not right and is unacceptable
I have sent lender package of loan modification on XXXX XXXX, 2015 for review but per my agent told me they need some additional documents for review and no sale date at this point but I still see the sale date active on XXXX XXXX, 2015. I think they are lied to me while I called in to check with trustee company.
My loan was transferred to DiTech for servicing XX/XX/2016. Since then my taxes have not been paid. Funds have been withdrawn from my escrow account and not applied to my tax bills. To this date my County and interim school tax bills have not been paid. I have been reaching out to DiTech since XX/XX/XXXX to get this resolved and have been unsuccessful. I was put in contact with several managers at DiTech and XXXX who distributes the tax funds and have not received any feedback or resolutions. DiTech has also taken additional monthly mortgage insurance payments from my escrow account as well with no explanation on why. Any help addressing this matter would be greatly appreciated.
Although this account is paid in full ( confirmation via email dated XX/XX/XXXX ), I received a copy of an email dated XX/XX/XXXX from XXXX addressed to XXXX stating that they were to proceed with a debt recovery case against me in the amount of {$1100.00}. Not only is this account paid in full, it exceeds the statute of limitations. I'm tired of these scammers getting away with this and I've had enough.
We submitted a complete loan modification on behalf of our client to Specialized Loan Servicing ( SLS ) on XX/XX/2016 with a scheduled sale date of XX/XX/2016. However, on XX/XX/2016 the bank sent us a letter advising they were unable to review the package due to the upcoming sale. My client wants to save her home and in good faith has provided the complete package with ample notice to at least be reviewed and considered for a work out. It is not my client 's intention to delay the foreclosure but merely to find a solution to save her home. While I understand there is a 37 day rule if the bank truly wanted to help the borrower they had ample time to at least review what was submitted and determine if she qualified for any workout solution or offer any alternatives, yet they did n't nor have they provided a formal denial letter. We would like to have the sale postponed in order to give the lender time to review the financial package that was submitted.
Under lawyers Lein lawyer took case on contingency, I had My exam. After signing the retainer agreement the lawyer did not do due diligence and did not find out the person at faults insurance did n't cover my expenses.
On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from XXXX XXXX XXXX. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. XXXX XXXX XXXX reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted XXXX University closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that CONSERVE NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX
This is a follow up to complaint # XXXX The company, American Express, has sent a letter to try and explain the situation. The letter was erroneous and condescending. It did not address the main issue of misleading advertising for their credit card product. I have attached their letter. They reference disclosure number XXXX for the XXXX XXXX XXXX, but on their advertising brochure, reference XXXX is not even on the same page as the XXXX XXXX XXXX benefit. Furthermore, the company American Express uses to process credit card applications, was also mislead by their advertising brochure, as they are the ones who initiated an investigation. 

In addition, the American Express XXXX dept has blocked my email address from reaching all XXXX domain names. This is an incredible act of power over the consumer. Either they take customer concerns seriously or not ... ... to basically turn off my free speech by blocking my email address is unprecedented.
I had to send euros to a specific bank account to verify an account, this was so I could withdraw my money from the Coinbase account.

Its now been over two weeks with little to no response from them and the account is verified. They state it will take one or two business days. Its been 14 and no response.
I am filing complaints against my loan servicer XXXX  regarding the following issues : There is lack of clarity on the qualifications of public loan forgiveness. I signed up for public loan forgiveness, which was completed by my employer, XX/XX/XXXX. However, I didnt get a response from my servicer, XXXX, as my loan consolidation did not get approved until XX/XX/XXXX. When I received the approval letter from XXXX in XX/XX/XXXX, the letter stated that I had zero qualifying PLF payments. As a result, I interpreted this as a rejection letter because I had been working there since XXXX and made timely payments. In hindsight I realized that the starting period for PLF actually started XX/XX/XXXX because that is when my loan consolidation was approved. Moreover, I didnt know that the PLF certification form was to be submitted to verify qualifying payments retrospectively. Because of this fear that I wasnt on public loan forgiveness, I started to pay more per month than the designated IBR amount. Having doubts, in XX/XX/XXXX, I called XXXX to verify my public loan forgiveness, and they stated that I actually qualify for it. Because of this, I had requested the previous additional monthly loan payments to be re-issued back to me, so that my previous payments would qualify for public loan forgiveness. During this time, I had requested that the previous loan payments, now with IBR amount to be considered as qualifying PLF payments. 
I again contacted XXXX in XX/XX/XXXX requesting that the previous payments, now with the designated IBR amount, to be considered for public loan forgiveness qualifications, but it has been almost three years and I have not heard anything from them. I have routinely called them quarterly and I continue to get a response stating it is still being evaluated. 

There are two issues I would like to resolve : 1. I am inquiring if my previous payments from XX/XX/XXXX to XX/XX/XXXX to be qualified for public loan forgiveness payments. 
2. I am requesting a timely response to the above issues as I have been waiting for almost three years now for a solution. 

Please help me expedite and clarify my above situation.
XXXX XXXX XXXX has XXXX payday loans on my credit file with Experian as they stated in a letter there Experian now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX XXXX XXXX XXXX is no more than fraud. I have file an complaint with the US attorney office as the justice department on Experian & XXXX XXXX XXXX for and by I'm on OPT out and Experian is using a another company to use deception with merges etc.
On XX/XX/2018Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
We originally had a loan in about XXXX with XXXX, due to the economic condition at that time, we were unable to maintain the loan. The loan subsequently fell behind and was in a charge off status in XXXX. The loan subsequently transferred hands to various different lenders, XXXX lender was XXXX which reported the XXXX XXXX on out credit as a charge off. This particular loan was then bought and transferred to XXXX XXXX in XXXX, i may add the loan was bought in a charged off status. Earlier this year XXXX XXXX, XXXX XXXX finally decided to charge off the loan again. I contacted the credit bureau on more than XXXX occasion as well as made contact with XXXX XXXX. I explained to them the debt was charged off XXXX and should have been removed from our credit report about XXXX. The only response from Equifax is that they confirmed the debt was mine, they put a current charge off on my credit report and put the charge off on my wifes credit for about 6 years ago. I believe this is an attempt for XXXX XXXX to re-age this old debt in an attempt to keep it on my credit report longer than the statutory 7 years. When XXXX XXXX charged off the debt in XXXX, that should have been an internal process not one that should still affect me the consumer. 
I am not sure if my complaint should be against the Credit Bureau because they are not holding XXXX XXXX to any standards too report correct information or if my complaint should be against XXXX XXXX. Either way, I have no other options but to contact your Agency to determine if you can help us and what is the path to an amicable solution. 
Thank you for any assistance you may be able to provide.