WillisBack/dataset-financial-user-claim huggingface dataset:
Fed-loans will not grant me XXXX loan forgiveness for working in a low-income school even though I have since I began teaching in XXXX XXXX, XXXX. The school that I worked at for my first two years of teaching were so low income that the XXXX XXXX Department ended up closing the school down. The have a hired man who is over all things about that school at the XXXX ( XXXX XXXX Arkansas XXXX ). When I submitted the form for XXXX loan forgiveness it was for 2 years at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX. That is the address for the XXXX because the man, XXXX XXXX XXXX, in XXXX company is the XXXX XXXX for the paperwork dealing with that school. I have combined 3 years that I had for teaching at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX, to equal a total of five years of teaching service in a low income school which qualifies me for XXXX loan forgiveness. It was denied based on having NO XXXX office signature which it does have to qualify. I submitted it this way for a total of 4-5 times, each time I was denied for either the same reason or not qualifying for enough years taught even though I do have the 5 years. I then waited til I had 5 years total at XXXX XXXX XXXX XXXX to re-apply. When I re-applied I had talked to fed-loan servicing department and had been given step by step directions that I needed to follow to ensure that it would not be denied. I followed the directions completely and re-submitted to only be denied again. I then waited til XXXX to try one last time to get the loan forgiveness that I fully qualified for to only be completely ignored by Fed loans who 's only response was to send me an application for XXXX loan forgiveness, the exact form that I had submitted. So thinking that was a lost cause I then applied for XXXX XXXX loan forgiveness which is where if I teach and pay for 10 years then my loans are forgiven. XXXX XXXX, XXXX will be 10 years so I applied and to no surprise was denied for that as well. I am a community helper that gives back on a daily basis and it is not right for me to be making less than a waitress after 2 degrees and 10 years of public service. I have worked Extremely Hard to better myself being the first and only of XXXX children to graduate with any degree at all in my family. The least that could be expected is that I can make a living without worrying about having the money to support our XXXX children!
I called Transunion and notified them of being a victim of their inquiry issue and told the representative that all the inquiries before XXXX where removed but than put back on my report he than proceeded to tell me it was nothing he can do. I wasnt notified or anything about these inquiries being put back on my report and its not right.
This company is trying to collect {$1400.00} from me for a bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I opened my XXXX XXXX XXXX XXXX card in XX/XX/XXXX of XX/XX/XXXX. I set up automatic payments as of XX/XX/XXXX for the account ; as I do with every one of my accounts so I never have to worry about a missed or late payment. I received a call in XX/XX/XXXX of XX/XX/XXXX stating that I was currently past due on my account and a payment needed to be made. I was not aware that my account was delinquent in payments and explained to the representative that I have automatic payments and should not be past due. He said for some reason they were shut off ( not from myself ) and that I would not receive a late fee because of the mix up. He then reassured me after verifying my bank information that I was set back up for automatic payments and wouldn't have to worry going forward. In XX/XX/XXXX, I once again received the same call stating that my account was past due. I then explained my situation again to the representative and the same outcome came from the conversation. After being told false information the first time I received the call, I went online myself to confirm that I was set up for automatic payments and from then forward I have been current. 

I am currently applying for a mortgage for my first home. When my credit report was pulled, two derogatory marks were shown for late payments. When I called XXXX, they explained to me that there was a returned payment of {$800.00} from XX/XX/XXXX and that shut off my auto-pay. I have bank statements showing the account balance as well as transactions for the month of XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX proving that the money was never drawn from my account and that there was more than enough money in my account for payment. 

I received a call in XX/XX/XXXX for payment and I explained to the representative that I have auto-pay and that I just had made a large payment on my account just a month before. He had said that my auto-pay was shut off and that I needed to make a payment. I was under the assumption that my auto pay would be turned back on once I confirmed my account information with the representative. 

I have never had a returned payment due to delinquent funds in my bank account. I have been a card member since XX/XX/XXXX and have had automatic payments set up from XX/XX/XXXX on. I don't know what happened in regards to the payment not going through, but it wasn't at fault due to insufficient funds. My bank also has no record of the payment ever being attempted to come out of my account. 

When I explained this ( many times ) to the representatives at XXXX, they said that it wasn't their error so there was nothing they could do. I tried explaining that it also wasn't my fault and that I have bank statements to prove it never was attempted to come out of my account and they said that there was nothing they could do.
This is to inform you that on XXXX/XXXX/XX/XX/2015 I send {$1000.00} to XXXX for a relative, when she tried to withdraw the money, they told her the money was not under her name but under a male named XXXX XXXX. I do not know this person whatsoever. After many tries they told her the reference number was correct but the name was different, immediately I called Money Gram Payment Systems to stop the transfer. The operator simply just transferred me to another department, and then to another, and by the XXXX operator they tell me that the money had been withdraw-ed minutes ago. I let them know that they are wrong because my relative is n't being able to collect the money. And they start a case and say that they will need two weeks to investigate. After two weeks I called Money Gram Payment Systems and no one knew anything regarding the case, they had no information to give me. When I demanded answers the operator simply ignored my questions and at XXXX point hung up the phone on me. On XXXX/XXXX/XX/XX/2015 I went back to the Money Gram Office I had used to sent the money from, and the employee contacted the Money Gram Main Office, and after being transferred to many departments as usual, they had no answers and now they need 90 days to investigate. In my opinion they are playing games, or ignoring me, because they can simply open files on their system and find out which employee, and which office authorized to change the name, just by a XXXX of clicks on the computer. I simply sent money to a relative and some stranger collects it? That seems fishy to me. I 'm not understanding how that happened. After a conversation with my relative she says that the bank manager in XXXX told her that they can not change anything on the orders, not even a name once the sender sends the money. If that 's the case then how did a random stranger with a different name than the recipient 's name collect my money? As far as I see it Money Gram Services is at fault for not taking care of the money and giving it to the correct person. I really think they violated my trust, broke a contract and simply stole my money. I want and need my money back as soon as possible and an explanation what happened.
XXXX XXXX XXXX XXXX I am disputing this loan based on that it is impossible to pay it off at 98.8 %. I do not want this company debiting my checking account until we come with a resolution NetCredit responding about indicate my account is in delinquent status. Last week, I did not pay {$160.00} due last week due to concerns about the interest rate and waiting for a resolution. 
NetCredit claims that they contacted me regarding the status of the account and said I was unwilling or unable to talk with us about my account. I have talked to NetCredit on numerous occasions and was told that the legal department would contact me. This was over 3 1/2 weeks ago. I have tried to talk with the representatives about my account and working out a plan but I am either being talked over when I try to work out a solution and even had a supervisor laugh at me stating that I will pay over {$7000.00} for a {$3900.00} loan at 98 %. 
NetCredit claims that they values me as a customer and strives to provide the ultimate customer experience and ask that I contact our Customer Service Team at XXXX, to discuss possible options regarding the account balance. I have called and spoke with them about 10 times within the last 3 1/2 weeks .NETCREDIT WILL NOT WORK WITH ME OR DISCUSS ANY OPTIONS WITH ME. THE REPRESENTATIVES I SPOKE WITH SAID THERE IS NOTHING THEY CAN DO TO WORK WITH ME. I AM APPAULED THAT THEY have FABRICATE to a FEDERAL AGENCY. All I am asking for is to take the interest away from this loan and allow me to make monthly payments that I am able to handle. I understand my responsibility of the balance of the loan but they do not work with their consumers, instead make a profit with predatory lending practices.
I have a line of credit that was opened on XX/XX/XXXX and will expire XX/XX/XXXX which had a balance of around {$1800.00} as of this month and on XX/XX/XXXX I added a new line of credit of XXXX. My issue comes in the fact that in end of XXXX I made payments to my account but the credit company has applied it to the more recent balance transfer. I did write them to ask that the applied my payment to the oldest balance transfer but they informed my that they can applie my payment where every that want.
I ( XXXX ) opened a checking account with Bank of the West ( " bank '' ) on their website. I set up an initial account opening deposit of {$500.00} on my credit card ( issued by XXXX ). A few days passed my {$500.00} transaction posted and I have a {$500.00} balance. On XXXX 2017, I received email from the " Bank '' saying my account is closed due to a secondary review. I immediately contacted the bank and was told the reason. I did not argue with them but I asked for money back. A supervisor said they will refund me the money by issuing credit back to my card ( issued by XXXX ). Few days pass I do not see the money. The " Bank '' said they issued the refund and I need to talk to XXXX. I called XXXX and they said they do not see any refund transaction. If there were a refund transaction it will automatically post to my bill. Right now I can still log in the online portal at " Bank of the West ''. It shows I have a valid account but balance is {$0.00}. Basically the " Bank '' took my {$500.00} and never gave back to me.
These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement case -- Case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX Court -- XXXX Circuit Court, XXXX XXXX 2. Judgement case -- CASE # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX County Court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX -- DISC Case # XXXX Filed -- XX/XX/XXXX Lact -- XX/XX/XXXX Attny -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX   Court -- Federal District Court Cases # XXXX and case # XXXX   are still on my credi report and need to be removed so I may purchase housing.
I was rear ended in a car accident XX/XX/XXXX Hired attorney, XXXX to assist. He sent me to XXXX XXXX. I went there for about six months with no relief. I never signed a piece of paper or gave them a credit card or received a bill of any kind from these people. I had to fire my attorney and hired XXXX to handle the case which was finally settled in XX/XX/XXXX. 

I received a phone call from the XXXX and referred him to XXXX, my attorney, who told him the case had been settled, that no bills had been submitted to him, and that no money was due. 

The XXXX called me over the phone and told me I owed him {$5000.00}. I told him I had received a very small settlement and all bills had been paid from them and that I never signed an agreement paperwork or a bill of any kin from him. He said he was going to collect his money and that he was going to have collections come after me, which he has done and my credit is now ruined due to this mark on my character. 
He turned it over to a collection agency and reported it to all XXXX credit reporting agencies. I am XXXX have worked my entire life to have good credit. Before this mark on my character, my report was XXXX. He has done serious damage to my name and reputation as I am a respected person in the community. XXXX turned it over to capital accounts llc who have been harassing me over the phone.
I tried to open a joint account at this bank with my current spouse, I have been divorced from previous one since XXXX XXXX, 2015. The bank approved HER, but denied me because of something from XXXX that I never applied for. And that report has my maiden name on there. Unacceptable!!! They would n't put me on the account either, so we decided NOT to return. To me, that 's being treated unfairly. However, I did contact the bank that put the negative information on my XXXX, and they kept lying to me about removing it, and they never did!!!!!! They also lied about sending documentation that I had to sign as well, never got it!!!!!!! I DO NOT appreciate being lied to at all!!!!
My credit is ( was ) perfect until I co-signed a car this summer for my son. I am trying to file an explanation on the 3 credit reporting companies. The other two worked fine. EQUIFAX ( https : //www.ai.equifax.com/ ) provides a link to file your information on the credit report. The link, however, does not work for me. I have tried the link on two laptops and a tablet. It will not load. This tells me that Equifax does not care about individual credit accuracy where the other two do.

I have waited over 30 minutes and tried to load the page 3 times. I
My number is in an auto-dialer for XXXX XXXX XXXX. I have called to resolve and unable to. They are telling me I do not have a loan with them, which is accurate. However, for the last many weeks I am getting nearly daily calls from an auto-dialer.
i did not receive a bill and when i called they added fees and i have called a bunch of times
PayPal Credit is charging me late fees and deferred interest charging and not properly processing my payments. I send two payments in for {$1000.00} and {$45.00} on XXXX XXXX, 2015. Today I was informed that my payments were not processed and I have been assessed {$100.00} in interest and {$35.00} late fee. My bill is not going down and I keep getting hit with late fees.
I am receiving correspondence from XXXX and XXXX. XXXX is a blogging company and they are doing business of XXXX law firm with this company without representing that is the case.
I filled a complaint twice with Equifax that my date of birth and variation on social security number were incorrect. They have not corrected it and have not been helpful towards resolving the issue. 

There is a consumer statement posted on XXXX of last year in my credit report which also repeats this information.
I am attempting to pay additional principal on my car loan each month with Bank of America. My loan payment is approximately {$420.00} per month. I pay on average {$750.00}. Rather than applying my extra payment to principal, they are charging me future interest and extending my next due date. I have called multiple times and I have not received a valid explanation. Finally, they indicated I would have to go into a branch each month to request the extra be applied to principal. This is simply not feasible. They continue to overcharge on interest because their online system can not " process '' the extra payments correctly. This is simply BofA stealing money. Today is XX/XX/XXXX and I made another payment. My next due date is XX/XX/XXXX.
I opened a credit card with capital one XX/XX/XXXX. For some reason, they blocked my card before I could use siting fraud/possible identify theft reasons. I submitted everything they needed to prove my identify including my social, drives license and bank statements.
This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail.The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section 609 protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus ar saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see  XXXX  v TRANSUNION 1997 ).
They do not have any documentation in their files to verify the accuracy of these disputed accounts and they should delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
I am trying to view my experian credit report online for the last 2 days now to dispute wrong information reporting. Experian will not allow me on the website to submit the disputes.
They call daily to say they are processing papers for court ( to take me to court ) Both me and my XXXX year old mother. They are also contacting family members. They say they have to get us processed for court and that our legal rights will be forfeited once they file with the court. When I call them they are asking for a {$500.00} processing fee with credit card only. I will not pay this and I believe this is an old debt. I believe this is a scam. They will not give me the name of the collection firm, so I am not able to send a stop contact letter. I want this to stop.
In XX/XX/XXXX, I was XXXX and in search of new car. I went to XXXX XXXX XXXX in XXXX, SC and spoke with a gentleman with the last name of XXXX. We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that XXXX offered. I left the delearship with no car and about XXXX hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in XXXX inquiries. I bought the agreed upon car for the agreed upon price in XX/XX/XXXX at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and XXXX XXXX is probably still doing shady practices to unsuspecting consumers.
I HAVE BEEN AT BANK OF AMERICAN FOR OVER XXXX YEARS. MY ACCOUNT THERE HAS BEEN CHARGED FROM XXXX A MONTH TO XXXX IN FEE 'S. THE TRICK IS, I HAVE MONEY, I PAY A BILL, THE BILL IS PAID, AND MAYBE A WEEK LATER MY ACOUNT GOES OVERDRAWN XXXX, B OF A WILL TAKE BACK THE MONEY FROM WEEKS AGO, THE BILL I PAID NOW IS RETURNED, I AM CHARGED, MY ACCOIUNT COMES DELINQUENT, FEE 'S ATTACHED, SERVICES SHUT OFF, AND B OF A DOES THIS SO THAT XXXX OVERDRAWN AMOUNT THEY NOW CAN CHARGE ME XXXX XXXX, TOTAL XXXX THEY PAY THEMSELVES. XXXX UP MY ACCOUNT FURTHER, MORE FEE 'S AND I AM SO MUCH WORSE BECAUSE OF IT. 
I HAVE PAID OVER XXXX LAST YEAR ALONE IN SUCH FEE 'S. THEY BLAME ME, BUT 95 % IS THEM.
XXXX XXXX fraudulently pulled my Transunion credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with XXXX, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my Transunion credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with Transunion and was told they have not received a directive from XXXX to remove the inquiry. I spoke with XXXX and they told me they had, in fact, requested the removal of the inquiry from Transunion, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but Transunion is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.
a few years ago I had went to college and had gotten through with student loans. I had moved a few times as student loans came due and had missed ONE payment. Once I had realized the payments were due I started paying them faithfully every single month after that one was late I have never been late since. I pay one payment a month for my student loans, the one I was late on they reported NINE times and has ruined my credit. Its not fair to report a one time payment nine separate times. I have spoken to both fed loans and the ombudsman group and have gotten no where. I would understand one late payment on my report but not nine. I would recommend them to no one it truly will wreck someone 's life as it has mine. This is holding me back from buying my family a home.
The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV XXXX
I pay my balance in full every month prior to the due date, but when I do every few months the company puts a hold on the account and will not release the payment.
This company has us on a robo call rotation where we receive multiple calls from them every day. Late last year, I called their number and spoke to a representative and determined that the debt they are trying to collect is not ours. After that, the calls kept coming anyway.