WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a Pay As You Earn Repayment plan for my loans on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I submitted proof of income via regular mail shortly thereafter. The servicer in question, FedLoan Servicing, has not put me on this repayment plan even though they claim I am eligible. To have my application for XXXX considered, the servicer told me via phone last week, I must make a $ XXXX payment. I can not afford to do this! Since talking to the rep over the phone, the amount the servicer is requesting was increased to {$2200.00}, when my monthly income is only {$1600.00}. I am a full-time employee of the federal government and I have been trying to get on a reasonable payment plan so I can qualify for XXXX XXXX XXXX XXXX. 
Please note that I have other outstanding student loan debt with XXXX, XXXX, and XXXX.
I am just amazed at what Key Bank sent me dated XX/XX/XXXX. Key bank is claiming that I was sent letters on the following dates :XX/XX/XXXX XX/XX/XXXX 
I never received anything and the tracking number XXXX ( see attached ), per USPS, is invalid. Proven by the tracking number, I do not think that they mailed me anything, I never received anything.
I was charged  XXXX  on   XXXX   XXXX   XXXX   for a  XXXX   XXXX   XXXX  I contacted them and a  manager and was told I my card was never charged and they printed out paper work to prove it and I let them speak with netspend. Net spend then advised me that they do n't know what happen to m y funds but they could investigate they told me they would know something by the end of  XXXX  I call and they tell me I still got ta wait another 45 days for something that was done on there end. Now I 've tried being really patient but its running out fast cause I got took for almost  XXXX  dollars and nobody can tell me where or why my money was taken.
XXXX had sent out XXXX cards which I did not want and destroyed. The card was never activated. I received a bill for my XXXX membership on the card today. I had to call Citibank and be detained on the phone through XXXX representatives to get the card cancelled. I am very upset that this card was activated without my permission. I was also told I should call back to make sure the my account was cancelled. This is wrong that a I have to spend my time jumping through hoops for a card that was opened without my authorization.
I HAD CREDIT CARD FOR XXXX DOLLARS MY BANK CHASE CHARGED IT UP TO XXXX I DID NOT AUTHORIZE THIS AND I HAD ALL MY ID BIRTH CERTIF SS AND DRIVER LIC STOLEN SOMEONE USED THIS AND RACKED THIS UP I HAD AND PAY ALL MY BILLS I AM ON XXXX AND THE BANK ALSO RELEASED MY SOCIAL SECURITY MONEY UNAUTHROIZED TO A COMPAY THAT I DO NOT OWE THEY OWE ME XXXX DOLLARS AND TRYING TO REVERSE LIKE I OWE THEM I CONTACTED MY BANK AND EXPLAIN TO THEM THEY WANT TO PUSH BLAME WHERE NOT DUE UNDER THE LAW MY SOCIAL SECURITY MONEY SHOULD NOT BE RELEASED UNDER ANY CIRCUMSTANCES AND THE XXXX LIMIT IS WHAT I OWE NOT XXXX APPROX I WANT THIS HANDLED AND REMOVED FROM MY ALL CR REPORTS AS IT IS NOT N=MINE I REPORTED OVER 2 YRS AGO ABOUT THE CARD BEING STOLEN THEN THEY CAME UP WITH SOME LAME EXCUSE OF DIFFERENT FAMILY MEMEBERS THAT HAVE NOTHING TO DO WITH THIS AT ALL NEVER EVER I AM SOLE OWNEER AND NO ONE HAD A CARD I ORDERD ONE BUT RIPPED IT UP FOR THE FACT THEY CHILD DID NOT NEED IT SO I ALSO CALLED TO TAKE PERSON OFF THE EXTRA CARD. THIS IS CRAZY I AM A VICTIM AND I WANT MY SOCIAL SECURITY MONEY BACK FROM THE BANK AND ALL NEG MONIES REMOVED FROM MY CREDIT REPORTS I WIL PAY THE XXXX NOT A PENNY MORE AS I DO NOT OWE IT. HOW COULD THIS BE A XXXX DOLLAR CARD RACKED UP XXXX THEY ARE LIARS AND STOLE MY SOCIAL SECURITY MONEY XX/XX/XXXX TILL XX/XX/XXXX I REPORTED IT THEN AND NOW IT FINALLY IS COMING I BELIEVE TO A RESOOLUSTION EXCEPT THE XXXX I DO NOT OWE ARE THEY CRAZY IF THEY CAN RELEASE MONEY UNAUTHROZIED KNOWING ITS SSI MONEY THEN U KNOW SOMETHING IS WRONG I WAS A VICCTIM OF THEFT AND REPORTED IT. ALL IS APPRECIATED THANK YOU XXXX
My mortgage loan was assigned to Ocwen XX/XX/XXXX and monthly payments have been scheduled to be deducted directly from my bank. This has worked until the XX/XX/XXXX payment which I authorized to be deducted XX/XX/XXXX failed to process. On XX/XX/XXXX I contacted Ocwen to determine what happened and the C/S agent claimed my bank XXXX XXXX had rejected the the draft because incorrect data. No changes have been made on my part to the drafting process that has worked for the past two plus years and my account has substantial funds available. In fact, I have been paying additional principal each month. C/S suggested I go on the Ocwen website to reschedule the payment. Made XXXX unsuccessful attempts after which I called C/S again to advise that the website was locked up. Spoke to representative in Ocwen escalation dept to review issue and was advised they would investigate and advise. Notified him that I would send a check priority mail to ensure there would not be a delinquency on this payment. Also advised him that a {$25.00} charge was added to the amount due and must be removed as invalid. I requested the escalation manager provide me with a written explanation of what took place and when the issue would be resolved. On XX/XX/XXXX I received a statement showing my payment received XX/XX/XXXX and indicating the entire payment was applied to the principal balance even though no payment was debited from my bank and listing the next payment on XX/XX/XXXX as double the normal payment. This makes no sense since my payment sent priority mail had not been received at the time this statement was generated.. In the meantime, I have been playing phone tag with the escalation manager. The integrity of Ocwen 's data is seriously questionable and I wonder why XXXX would continue to use them to service loans.
Received a letter from XXXX XXXX XXXX, XXXX to take me to superior court of California for a debt that is XXXX years old! The collection company or attorneys are Zwicker & Associates, P. C. in XXXX, CA XXXXThe Credit Card is XXXX.
XXXX XXXX XXXX  with account number XXXX  is reporting my account on Experian as Foreclosure proceedings started as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

But then they also list the account as 180 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.
Recent review of my credit is showing debt that I have signed for and unaware. This debt is hindering. I have tried to speak with the companies in regards to this matter and to no avail. I want all items removed from the 3 credit bureau asap These companies are leaving with no other options to seek legal counsel with the purpose of suing.
I consolidated my federal student loans through XXXXNavient, but was never given a choice of the type of consolidation. I found this fact out when, after working almost 10 years as a public servant and making payments on my loan, I started the paperwork for the Public Service Loan Forgiveness and was told I did n't qualify due to my type of consolidation loan. I called Navient to find out why and was told because I did n't choose the right type of loan when I consolidated, but I was never given a choice back when I asked to consolidate the loans. It was all just done for me by the company. Of course this was over 10 years ago, and it was done over the phone. My only option I was given at this point from Navient was to consolidate my loan again to the right type, and basically start over with the 10 years and repayment process. By that time everything would be paid off, so really something I am not looking into. I am really disappointed in the Navient company, and feel like they are only out for profit, not helping the struggling student!
Nationstar continues to deny my loan mod. For 28 months our firm has tried to modify XXXX XXXX XXXX 's Loan. They refuse to supply the negative NPV form which is the reason for the most recent denial. They have also listed his primary residence as a rental which is the cause of the is last denial as the unpaid principle balance is {$1000000.00}. This balance also prevents XXXX XXXX from obtaining a HAMP/Tier XXXX loan mod. The denial letter states his income at {$640.00} less that what was provided in documentation.
TransUnion received my request through XXXX XXXX on XX/XX/XXXX andI was informed that TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. I was told that when the investigation is completed, they ( Transunion / XXXX XXXX ) will provide me with a response and/or a copy of my updated credit report to notify me of the results. 

File Number : XXXX. 
Dispute : XXXX XXXX XXXX - Reported on XX/XX/XXXX - {$9300.00} Dispute Reason : Accuracy : The contract related to this account has been cancelled. 

I have not recieved a response from Transunion. I filed a complaint with XXXX XXXX on XX/XX/XXXX via email. This dispute is nearing 1 year old.
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability Your Comments from the previous and related dispute just filed on XXXX XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process '' XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR. 

The Comments and the XXXX listed, are inaccurate as well.
Portfolio recovery. Calls once a week for the past year. I do not owe them anything. They call from a different number every time they are XXXX and many lawsuits have been filed against them
Concerning signing up for ID Protection with Equifax. First they told me I could n't sign up until X/XX/2017. Then when I tried to sign up instead of being enrolled at that time they said I would receive an email in a few days with a web link where I would be able to finish my enrollment in ID Protection with their company ( XXXX XXXX ). It is now 11 days later and I still have not received that email with the web link. Can you help me with this problem. Somehow I do n't think I 'm the only one with this problem.
I have been receiving harassing phone call reguarding filing a law suite against me for a PAYDAY LOAN. EVERY YEAR AROUND THIS TIME I START TO GET PHONE CALL THAT EVENTUALLY STOP. THIS YEAR THE PHONE CALL HAVE STARTED AGAIN AND HAS ESCULATED TO CALLING MY JOB WHICH I ASKED THEM TO NOT CALL MY JOB AND REMOVE MY NUMBER FROM THEIR REGISTER. I received a phone call at home from Compliant management solutions ref # XXXX at XXXX they caught me off guard and I gave them my debit card number to pay {$50.00} and they want to set up payment for XXXX/mo for 6 months. I went to the bank XXXX/XXXX/XXXX and cancelled that bank card because I realized that they were trying to scam me and I never took out a payday loan but once in XXXX for {$300.00} that I paid {$550.00} on XXXX XXXX XXXX to the attention of XXXX XXXX and XXXX XXXX who stated he was an attorney at XXXX after I had already paid the loan back through direct debit from my account. Since then I keep getting these same phone calls every year. 
XXXX XXXX XXXX
I applied for a home mortgage loan at US BANK here in XXXX XXXX Mo, over two weeks ago in the XXXX/XXXX office. He said he needed my credit card information in order to order the appraisal for the property I was purchasing. It was the week before XXXX holiday. The day after XXXX, I received an alert stating that my credit card had been used to pay for the appraisal. Doing this time, my credit report had not been pulled to even see if I would qualify for any loan product. Neither had I gotten any letter or word of mouth that I was pre-approved or prequalified for any loan. Doing that time my credit card was charged an appraisal fee of {$490.00}, the bank didn't have my credit file to determination if I would even be eligible for a home mortgage loan because they had nothing to base it off of. At that time I called my loan officer concerning the matter, he said it would be refunded back to me. As of today I have not been refunded for the charges of {$490.00} to my XXXX Credit Card. I'm trying to understand, why would someone run someone's credit card when there's no loan in place. You would need a credit report to determined that and there was no credit file pulled at that time. Thy still don't have a full credit file to this day, to qualify me for a loan.
I contacted experian. Concerning XXXX XXXX and my credit report. I informed them of the fraudulent foreclosure or guess my property that usbank file I against me. Without any legal standings. I sent them to pull report along with support and documents. Informing them of the incidents and hardship that would brought upon me and my family. I asked for a credit update in writing to remove us bank from my report yet I were refuse. I first contacted experian XXXX XXXX 2017 about this situation and to date I have n't had anything in writing. Thank you
US Bank had XXXX accounts under my name and I thought you could write a check for XXXX account to deposit it into the other account, because XXXX account I thought had overdraft protection. XXXX disagreed with me and said that I was XXXX XXXX '' checks. I 'm XXXX and I feel she reported me to Chex Systems for a poor reason, granted that I was confused and had no idea this was n't allowed. She took advantage of my XXXX.
I started a lease on   XXXX   XXXX     with  FirstData fo r  XXXX  credit card processing machines. Their agent did not mention to me that the machines were leased for 48 months and the lease was absolutely not cancelable. I tried to cancel the lease with  FirstData after  only a few weeks after signing the lease. The representative told me he will get it done but never was able to do it. The total cost of the lease was about {$4000.00}, for a business that never started. It was very unfair that the representative knew that i only got  XXXX  of their products because it was a new business and i wanted to try them out and i clearly mentioned that i might cancel them if i do n't need them. It seemed the reparative knew my intentions to possibly cancel them within a shorter time period but had not said anything to me. I called many times to  FirstData to resolve this, but the only reply was that it was in the contract. I asked for the contract m any times but never ever have seen the copy that i requested. Please read the fine print, seems like these days salespeople have no ethical obligation. I also contacted the branch  manager  at  XXXX  a number of times since first data was in his branch. It was all talk but nothing got resolved.
I went to bank of america at XXXX XXXX XXXX XXXX in XXXX SC to cash a check that was wrote out to a young lady that I was buying a truck and trailer from. The check was for XXXX and it was wrote out to her personally so I went to the bank with so I can pick up the equipment. The first day they said it was to late in the day and we had to come back tomorrow. The following day we went back to the bank and attempted to cash it again and the teller said no funds was available. I contacted the lien holder and they said no way there 's money in there. So the teller called her manager who name was XXXX she said oh the signatures do n't match what we have in the system. I called the lien holder again and XXXX the lien holder at XXXX XXXX said tell her to call me. I told her what she said and she called her manager which is over the bank. XXXX which is the branch manager said hold on, came back 20 minutes later and said, i 'm not calling nobody and I 'm not cashing the check end of story. We left and went to another Bank of america and the manager looked at the notes they put in the computer, laughed and told us to have a seat. He went to his office verified the check with the lien holder and cashed it. I feel I was discriminated against because the color of our skin. I contacted the manager over that county and she apologized to me saying the branch manager did n't know she can call the customer to verify the check. That 's a bunch of XXXX and she know it.
Since my repayment started almost 1 year ago the payment has been too high for me to afford. I called them as soon as I knew what the amount would be per Month but they told me there was nothing I could do and that I made enough to make the payment, which I did not. After losing my job 3 months ago I started to get behind on payments but still they told me I had no other options for repayment all I could do was put them in forbearance which would cost {$150.00} per loan or default on the loan. I started receiving calls multiple times a day when I was behind and when I would answer they continued to tell me I had no options. Finally after being 4 months behind on my payments, racking up a lot of late fees and them raising my interest rate on each loan by almost 1 % they said I could do a different repayment plan. That took my payment down a lot but I had to make 3 months payments on time before I was actually enrolled in the plan and the plan only lasts for 12 months. I enrolled in the plan, made the payment on time this month and they continue to charge me late fees on all of my loans. They also reported to the credit bureaus again that I was still late even though I made the payment on time. They told me nothing would change in their system until I made those first XXXX payments on time so it still shows I 'm now almost 5 months behind even though I made a payment and that means they will still report to the credit bureaus that I am missing payments plus charging me those late fees.
My vehicle loan was taken out in XXXX of 2014 with Wells Fargo. I provided proof of insurance at the time of purchase. Almost 3 years later, Wells Fargo contacted me to inform me that they never received insurance proof, had charged me their insurance premium, and charged fees for delinquencies on my account. My credit report shows that I was late on my vehicle payment, which I never was. I provided proof of insurance at that time through XXXX XXXX. They still charged me for their insurance and late fees and it remains on my credit.
PORTFOLIO RC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  has asked that I pay a debt for that they can't show that I owe I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, PORTFOLIO keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM
I checked my credit report with Transunion based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX  in collection by an agency called XXXX # : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with Transunion that I do not have XXXX XXXX, have never received a bill from the collection agency. Transunion responded that investigation was complete and I owe the amount. File number with Transunion is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor XXXX XXXX XXXX. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.
Hello my name is XXXX XXXX XXXX living at XXXX XXXX XXXX XXXX NJ XXXX. I have a home mortgage at HUDSON SAVING BANK from XXXX at the interest rate of 5.5 ( A/C # XXXX XXXX ). From XXXX XXXX M & T bank takeover HUDSON SAVINGS BANK mortgage. Without my permission, now i have a problem with M & T BANK from XXXX XXXX. Every month i received 2 statements from M & T Bank. Saying that one statement says that i owe {$4300.00}. The second statement says that i owe {$2100.00}. MY monthly mortgage is {$2000.00} which includes my taxes. Due to my high interest rate i went to financial institution to reduce my interest rate, due to this two statement saying that i have a late fees on my mortgage. I have all my proofs paid my mortgage on time from XXXX to till date. i never paid any late fee so far. I went to M & T bank with these two statements to XXXX XXXX NJ Branch. I discussed with the manager about these two statements and the manager the other people are whose related to the M & T bank are not responding. Several times i called M & T bank try to explain why i am getting two statements every month but no response from them. With this i am loosing my credit score and no bank coming forward to reduce my interest rate. I am sick & tired with M & T bank. Finally, last two days back i went to M & T bank in XXXX XXXX to get some solution. The bank manager the other people say that " M & T works like this go and do what ever you want ''. I do n't have any choice than you people. I hope you see this complaint and justify. If you have any questions regarding this please call me at XXXX. I hope to hear from you soon.
On XXXX/XXXX/XXXX I look in to my credit report with XXXX I the XXXX report to find XXXX inquiries ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) into my credit buy : XXXX XXXX XXXX, sd XXXX XXXX I did not give them permission to do a hard inquiries into my credit.