WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I applied to FedLoan for an income driven repayment plan, and was put on one. I made XXXX payments, and then my plan was canceled. I do n't know why it was canceled abruptly. FedLoan placed me on a standard repayment plan, and I am unable to make those high payments. I contacted them through their website and explained that I was on an IDR and to please send me the application so I can get back on one so I can make payments. I never received a response to that request, or to the following XXXX requests for an application and my statement to them that I work part-time and can not make those payments. They have harassed me every month for payment. 
XX/XX/XXXX, they billed me for over {$1300.00}. On XX/XX/XXXX, I called and talked to someone who emailed me the IDR form which I completed and promptly mailed to them. I received an email on XX/XX/XXXX acknowledging receipt of my application for an IDR. On XX/XX/XXXX, I received four letters from FedLoan in my paperless inbox in their website that make my head spin. One says that I requested to be removed from my IDR and put on a standard repayment plan. I did not make this request. Another says they put me on an administrative forbearance. Another letter says that my IDR will start in XX/XX/XXXX and my monthly payments for the next year will be {$11.00} which I can make. However, they are dunning me for payments under the standard repayment plan that I did not request! Why would I request that repayment plan if I ca n't make the payments? I have the application where I requested an IDR, and the letter I sent with it asking them to please place me back on an IDR so I can make monthly payments. 
Please help me as they are jacking me around so much! My payment is almost two months overdue, and they are calling and sending emails constantly wanting {$600.00} and change, and now they want over {$1300.00} again. All I have ever requested from this company is an IDR with the lowest repayment amount so I can make payments. 
I have all the documents and screenshots if needed.
Hi, I have filed a report against this company and filed a report with Visa. They have withdrawn money from my account first my debit card and then processed through my bank account and withdrew money twice. One day was a scheduled payment and the other day was on a day that was not authorized. There was no notification that was sent to me that they were going to withdraw another amount from my account two days after they withdrew money for the loan payment. I filed a dispute with Visa and they filed back and stated they have every right to withdraw when they want. I never signed paperwork stating that they can just withdraw money from my debit card whenever they want. It states clearly in the contract if they cant withdraw from the checking first then they will withdraw from the debit card on the account. Which they already withdrew from my checking and then ran it through my debit card.
On XX/XX/XXXX I had my account Debited {$4600.00} from XXXX after losing wallet. The PIN number was in the wallet due to being a brand new card issued to a new account holder. I had received a call from XXXX stating they had found the wallet. Picked it up and thought everything was ok. Fast Forward 3 weeks. I had looked back into statements as I do from month to month. I then seen the purchase and called as soon as I had seen into capital ones fraud department to file a claim. I explained how this had not been seen until now and that the card was still being used since XXXX contacted about a found wallet. I had no clue. My I initial thought of a lump sum was perfect my wife transferred the money to our savings. The department spoke with my wife in an attack mode of claiming she was lying. Stating her story didnt add up because she didnt state XXXX called her. Claim was then DENIED. {$4600.00} poof gone. I was told if I contact police get report and contact XXXX and also add report that they can relook and issue. That day, I had done both. Everything I can and was told by the police and XXXX that they have whatever bank needs to prove the situation. I was told that they cant do more then make sure it was not an employee which it wasnt and that my bank has to claim under there insurance. I then called my bank capital one back to find out they dont care about any physical nor visual proof I have nor any reporting I had made. They had said that there conversation with my wife is proof to fully deny and not reopen. I have physical and visual proof as well as reports with all partys. Capital ones response ... ... who cares your denied!!! Dont call back because we wont listen. So now {$4600.00} gone from my acct and too bad for me I have to deal with fraud and theft with proof. I want my money back ... ....
I have submitted numerous disputes with XXXX, XXXX, and Experian about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
I started a short sale in XXXX XXXX with XXXX XXXX as the executor of the property that was owned by my mother. When we found a buyer we started the process of submitting documents to XXXX XXXX. Since this was a XXXX XXXX loan, we were directed to submit the file to XXXX XXXX directly and they would work with us to get an approval. While negotiating with XXXX XXXX they sent an e-mail with a counter offer to the offer that was submitted. The buyer decided to accept the counter. While the amended documents were being prepared, XXXX XXXX informed us in XXXX the loan was sold and we had to wait until XXXX XXXX to get in touch with the new servicer. They informed us that we would have to start the process over again with the new servicer. We waited and submitted the offer again to the new servicer, Selene financing. After the servicer reviewed the documents and the value, on XXXX XXXX we were told the investor has to net {$380000.00}. The buyer had to increase the offer which he agreed to and we submitted all the amended documents. After waiting over a month for a response, on XXXX XXXX we received an e-mail that the investor has to net {$400000.00} based on the new value that was received from an exterior BPO. However this was not the net that we were told on XXXX XXXX. We were told the change in value was due to a new exterior BPO that was completed. This property is an estate sale that has been sitting empty for a year. During the winter months, pipes froze and burst and there is water damage, mold and other issues that need to be addressed in the property. Therefore an exterior only BPO would not allow for an accurate value of the property. Additionally an Inspection report was also submitted with the offer which provided the details of the disrepair in the property. As the executor of my mothers estate I am doing the best that I can to manage the sale of this property. However, I am currently on working for the government in XXXX and this process has been very frustrating and tedious to say the least. The amount of paperwork and the back and forth while I am in a different time zone has not been easy. I would like assistance in getting this short sale process completed.
On XX/XX/XXXX my wife and I contacted Capital one about a bill we received that was not our purchases and what we concluded was there was a error created by capital one. Which was that In XX/XX/XXXX I added two authorized users to my account with only providing authorization for one person  obtain a credit card. However, the third authorized user already had a personal account with Capital one. In XX/XX/XXXX the third authorized user with her own personal account lost her credit card and proceeded in XX/XX/XXXX to contact Capital one for a replacement at that point she gave her social security number and Capital one located both accounts but made an error and sent her a card for the account that I am primary over without my authorization or even verification of the account because she has no knowledge of my personal information. Once we tried to explain to capital one we spoke to a rep and two levels of supervisors one by the name of XXXX XXXX who provided horrible, disrespectful Customer service.
On XX/XX/XXXX I was notified by my credit monitoring service that I new collection by the name of XXXX XXXX XXXX  had reported a collection account for {$10000.00} on my XXXX and XXXX credit reports. This has caused significant damage on my credit report. The alleged original creditor is XXXX XXXX XXXX XXXX, which was a XXXX School shut down by the federal government in XX/XX/XXXX for several fraud allegations. I attended this school in XX/XX/XXXX, well over 7 years ago.

There would be no reason for me to owe this money to this defunct school, and even if I did it would be over 7 years old and therefore unable to credit report anymore. Either way, any way you look at it, this credit reporting of this purported debt is invalid and a blatant attempt to extort me out of {$10000.00} - as the timing of this credit reporting could not be any more damaging to my credit score.
I used my American Express card the number is a gift card XXXX the CVV # is XXXX I called to file a dispute to have my funds disputed to I spoke to XXXX XXXX and XXXX XXXX they are located in XXXX I asked the politely to be transferred to my to states they dienied my requested i file a dispute on XXXX XXXX and still have not received all my funds that I requested and yet this origination continues use third parties such the names I mentioned above they continue use false advertisement regurding call center please is there any way to get all my funds back from this card?
Today, XX/XX/2018, I received a notification that Caliber Home Loans would henceforth charge a {$3.00} fee for paying our mortgage online. Only if we authorize continuing automatic access to our checking account will that fee be waived. This policy is outrageous. I asked Custimer Service for the Caliber Corporate Offices number to complain about the policy but was refused that information. The corporate phone numbers appear to be nowhere on the web. 
Again, I am angered on several levels : I asked specifically for a XXXX XXXX for our new house because of online access. Secondly, this is s cheap attempt to force automatic payments and access to personal accounts. Three, this is UNFAIR to  veterans who count on access remotely during deployments.
I get an account with Consumer Adjustment who already payoff and was supposed to be closed and still showing open with all XXXX credits bureaus.My last payment was made on XXXX it 's over a year past and still showing open account.
State Farm has failed to send me a bill for the amount owed in XXXX 2015 and now Im late and being charged a XXXX late fee. This is n't the XXXX time this has happened.
After noticing the debt on my credit report, and noticing my credit report also states I have made a payment to Convergent and I have NOT, I sent a letter to XXXX XXXX ( here on out referred to as XXXX ) via XXXX requesting debt validation. 

A request was made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As stated in the law, XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter, or phone call from XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report, and more than 1 month since I requested validation.
I have XXXX related issues. First, my name is being reported incorrectly, and as a result, I have information associated to my credit reports that is not mine. So now that I am trying to buy my first home, I have names and addresses in the report that are just wrong. I tried disputting it directly with Experian, but they kept saying they could n't honor my request online. Very frustrating, as I have very free time at the moment to stay in the phone for hours.
I have XXXX loans on my credit report reported that arent accurate. XXXX loans open in XX/XX/XXXX, I have no knowledge of. XXXX loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.
House has been vacant for years in violation of reverse mortgage. Association assessments have not been paid for years ( also in violation of reverse mortgage ). 
House has not been maintained. Water is penetrating the exterior shell. As a direct result, the XXXX immediately adjacent townhouses are at risk of water penetration also ( which may have already occurred ). 
We are a small homeowners association, and can not afford the additional burden of a non-paying unit. 
Foreclosure was formally halted more than a year ago without notice or explanation. Foreclosure was reinstated in XXXX 2015 but is presently stalled without notice or explanation.
On XX/XX/XXXX, I made a {$920.00} payment online to cover payments for principal and interest on Loan Nos.3, 4, 6, 10, 12, 13, and 14. I also tried to pay-off Loan No. 8 but could not figure out how to make that payment so it would pay-off the loan, so I called XXXX  XXXX XXXX. I spoke with XXXX at XXXX  XXXX XXXX and told him I wanted to pay-off Loan No. 8. He told me the call was recorded, the pay-off balance was {$970.00}, took my checking account information, and said he made a payment for {$970.00} on Loan No. 8 that would pay-off the loan. 

On XX/XX/XXXX, I checked my XXXX XXXX XXXX   account, and the {$970.00} payment had not been applied to pay-off Loan No. 8 but instead was applied in various amounts to pay the principal and interest on Loan Nos. 3, 4, 6, 8, 10, 12, 13, and 14. I called XXXX  XXXX XXXX and spoke with XXXX ( Employee No. XXXX ) and told her I wanted the {$970.00} payment to be reversed because it was supposed to be applied to Loan No. 8 to pay it off but instead had been applied to the principal and interest on all the loans. I also explained the {$920.00} payment that I made online to cover the principal and interest on Loan Nos. 3, 4, 6, 10, 12, 13, and 14 also needed to be reversed because that payment was only applied to principal and not interest ( XXXX XXXX XXXX applied the {$970.00} payment first, so it covered the principal and interest on the loans. Thus, when the {$920.00} payment was made, it only covered the principal on the loans. ) I told XXXX I wanted to make sure that when XXXX  XXXX XXXX reversed the {$920.00} payment it applied the payment to pay the interest that was due on XX/XX/XXXX and not the interest that was due as of the day the adjustment was made. I said it would be very easy to figure out because the {$970.00} payment covered the interest as of XX/XX/XXXX, so the amount should be the same when the adjustment is made for the {$920.00} to cover the principal and interest as of XX/XX/XXXX. 

XXXX said she would put in a request for the adjustments to be made, and it would take up to 5 to 7 business days for the adjustments to be made. I called XXXX XXXXXXXX XXXX on XX/XX/XXXX to make sure these adjustments were in progress. The representative I spoke with told me that notes were in the system to make the adjustment, but it could take up to 30 days for the unless the representative put in a special request to expedite the adjustments. The representative explained there was no way to determine if the expedited request was made because that request would be made by email and was not notated in the system. She said she would send an email to financial management to have this adjustment expedited and would notate this in the system.
my XXXX lender was XXXX XXXX, my XXXX lender was COUNTRY WIDE MORTAGE, & my XXXX lender was BANK OF AMERICA .How did B.O.A. end up with my mortgage legally & eventually foreclosed on my home.I lost my home in the end..
i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of 42 years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
U.S. Bank withdrew {$390.00} from my personal checking account ( also with U.S. Bank ) to pay a business credit card account without my authorization or permission, and without providing me notice. They claim they sent me an overnight letter via XXXX on XXXX and the money was taken from my personal checking account at XXXX on XXXX. I never received such a letter.
Leased a XXXX from XXXX, financed by US Bank. 
1. was not told to bring charge cable to inspection and was charged for it - have letters sent from dealership to show it was returned 2. was not given access to inspection prior to turning in the lease, completed by Autovin 3. XXXX repeatedly sent late information from US Bank, making it impossible to do what they asked XXXX for lease return ) 4. was never sent information on lease return and normal/excessive wear and tear until 7 weeks after turning in vehicle 5. inspection and " excess wear and tear '' from their contracted inspector, Autovin, contradicts the documents they sent me 7 weeks after returning the vehicle 6. involved my insurance company whose photos and reports show normal wear and tear and not excessive as was claimed by XXXX. called US Bank on XX/XX/XXXX and asked about XXXX dispute process '' outlined in their invoice - they sent the initial report and the " excess wear and tear brochure '' that they said I should have received 3 months prior to turning in vehicle, but outlined no process and provided me with no options
+ not refunded XXXX XXXX perks XXXX XXXX XXXX XXXX perks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refund received XX/XX/XXXX XXXX XXXX no product southville XXXX PayPal # 1 XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Seller couldnt refund amount to PayPal right away for whatever reason o They attempted to take out the XXXX out of acct but was rejected because the 2nd transaction from XXXX  made it first to bank o Was charged two {$26.00} over draft fees for XXXX o Bank refunded those on XX/XX/XXXX o They took out XXXX today ( XX/XX/XXXX ) o Bank charged me {$26.00} o Waiting for Paypal Case to refund me the {$680.00} PayPal # 2 XXXX XXXX XXXX XXXX ( REFUND RECEIVED ) o Order for XXXX placed o Did it wrong and hotbox sent refund right away o It was reflected under the refund section and in my paypal balance o I sent this XXXX to my acct o It was never received at bank and no longer reflected in paypal PayPal # XXXX XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Order is legit o Never received laptop o Seller wont confirm shipment or tracking o Catting with seller stated XX/XX/XXXX but nothing has ever been delivered
XXXX  and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
I 've sent Equifax XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Equifax takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.
I XXXX XXXX was a tenant at XXXX XXXX apartments. I am a veteran of the armed forces. I qualified for housing assistance under XXXX, I had taled to the landlord about my transferring over to the XXXX to began to make my monthly payments. at the time I was behind on my account with park towers so I was instructed by the landlord that I would have to clear up any and all delinquency on my current account. I agreed and then proceeded to sign up the housing assistant at the XXXX branch of XXXX. I also received assistance from another veterans assistance organization, this organization proceeded to pay the balance in full on my account at XXXX XXXX Apartments. then the following month when the next months payment for rent was due the landlord refused to accept the section XXXX volcher. XXXX XXXX the owner and landlord after we had previous discussed this matter just up and refused to accept the section XXXX voucher this put me in a bind. XXXX XXXX had also discussed this issue with XXXX XXXX the represenitive at XXXX of XXXX Texas. I had no notice of there being a revision in our verbal agreement that included then acceptance of the section XXXX voucher for housing assistance for XXXX XXXX XXXX XXXX the tenant in question. there were or was no eviction process at all. I never went to court for an eviction in regards to my being evicted. I did not volunteer to terminate my lease at XXXX XXXX XXXX, at XXXX XXXX XXXX apartment number XXXX, XXXX XXXX breached a verbal agreement to void the current rental lease agreement and enter into a new rental contact that would include the acceptance of the section XXXX voucher from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX the tenant. XXXX XXXX reported this adverse information to the credit reporting agencies with prior knowledge that it was fabricated and untrue. I have been advised that the information reported by XXXX XXXX has/is/ and will cause there to be continuous rejection and denial of requested terms of credit.