WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I reached out to XXXX  ( my loan was just switched from XXXX XXXX ) to inquire about loan forgiveness for Federal Government employees. XXXX explained that in order to certify my student loans my loans would have to be sent back to XXXX for servicing. 

XXXX contacted me and said they would need to review my employment record from XX/XX/XXXX and look and my payments and they will tell me the number of qualifying payments after their review. 

XXXX  finally reached out and stated that I had " 0 '' qualifying payments. I was told that " I was not in an income-driven repayment plan. '' The agent helped me switch over to the pay-as-you-earn repayment plan and recommended that I consolidate my loans to help pay them down faster. 

In XX/XX/XXXX, I was informed that there was a reversal on the decision and now ALL repayment options for the loan forgiveness program and that I needed to resubmit my request -- and I did. 

After reaching out the XXXX after discovering the reversal decision, I was told I needed to resend the original denial letter and resubmit a new form. After submitting this information, XXXX stated that I only had " 10 qualifying payments '' because my loan was consolidated in last year. 

The only reason I consolidated my loan was because XXXX initially told me I had " 0 '' qualifying payments because I was in the wrong repayment plan so I switched it. 

XXXX should consider those original payments starting with XX/XX/XXXX to present because the only reason my loan was sent back to XXXX was so they could review my loan for federal loan forgiveness program. Now my account shows that I only have 11 qualifying payments. This is false/misleading information from the student loan servicing entity to trick people into consolidating loans to lower their payments, but they are doing this to disqualify payments for their " loan forgiveness program '' scam. The only reason I considered becoming a XXXX XXXX was because of this program. Now, XXXX claims I have to work and pay an additional 9 more years. 

These loans include both undergraduate educations starting back in XXXX to more recent graduate loans in XXXX. I have paid my fair share. I just want the Department of Education to follow through on their claims to borrowers.
The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and XXXX each month. 

I also sent a letter to Equifax and Experian notifying them that the information is inaccurate and requested that it be removed.
Porfolio Recovery Associates has been repeatedly calling my home over the past 9 months inquiring about my late sister-in-law. She recently passed away and I am her estate executor. I have asked the agent what the nature of the call is and they will not tell me, saying they need to speak with her. I am confident she had no outstanding debt of any kind. I have repeatedly blocked their phone number in an attempt to stop the harassment but they continually call from a new phone number.
Equifax is randomly generating the answer to if I 'm effected by the latest hack of 143 million Americans personal identifiable information. This is misuse of my credit report. They have let 143 Million Americans personal data into the wild for all of us to be victims of identity theft. They profit from " monitoring '' this kind of fraud. It 's absolutely unbelievable. It 's the kind of conflict of interest that makes me wonder about this society. It 's fraud. It 's all a fraud. On top of this, their system to check and see if I 'm effected is randomly generated because I doubt they actually know how many credit reports were stolen. The rest of my life I will be forced to purchase from them or the other two, some kind of service to make sure i 'm not hacked. Let alone the fact that anyone could have my identity and use it outside the credit system, i.e. XXXX XXXX XXXX. I 'm suing in open court. I 'll represent myself. The government will not help me. I 'm sitting here in the aftermath of XXXX, and I 'm shaking with rage right now. It 's not like I do n't have a million things to do. I 'll just have to add this to the list. I 'm pretty much done with this society. I 'm going to do everything in my power to become a XXXX XXXX citizen. I have no want to be an American anymore. It 's a sham, all of it.
Today XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.
I received a Pre-Acceleration letter from Primary Residential Mortgage XX/XX/XXXX alleging that a misrepresented assets during the loan process. I called and spoke to XXXX XXXX she advised me to send her bank statements and any supporting documents that would like my situation. I was given instructions from the loan officer to pay off two credit cards XXXX, totaling {$10000.00} I secured the loan on XX/XX/XXXX {$10000.00} was deposited into my checking account on XX/XX/XXXX. I transferred the loan amounts of {$5000.00} to both credit cards. I later closed on my home XX/XX/XXXX. I gave all the documents to PRMI however I was informed that they were not accepted by PRMI. I did not with hold any assets I open an account under the direction of PRMI employees. Now the mortgage company is threatening to take my home. I have a 2nd trust mortgage with another lender XXXX XXXX XXXX and this issue is none existent with the other lender. I feel like I am being harassed from a previous personal matter with an employee of this company. XX/XX/XXXX my mortgage was sold I have had peace with XXXX XXXX for months. As of XXXX XXXX XXXX my loan was sold back to PRMI and the issues has resurface with PRMI and I have received various verbal attacks from this company including the act of threatening to take my home. Since speaking to XXXX XXXX I have call in on three times to pay my mortgage and XXXX has not accepted my payment. I have enclosed the screenshots of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that shows that I do n't have access to my account to pay my mortgage.
I have a Sears Home Improvement card, I have ran into some financial issues. I have sent them e-mails on there web site, I have called on three different occasions to explain my issue all they say is can you borrow from someone, and we are sorry to hear about your situation and will make a note in our system thank you. Not one time did they offer some kind of option to get the account back on track but they say we can offer you lower interest, lower payments none of this comes into play when you are talking to them. Then they call early in the morning and all throughout the day. The last call I took from them the gentleman said for me to call their forbearance department after the XXXX of XXXX, I called and told the gentlemen I wanted the forbearance he states I can help you, what ends up happening, I am sorry to hear about your situation I will make a note in the computer. Afterwards a day later here they come with the early morning calls totally harassing me and my family. Sears is not trying to work with me at all to find a good solution with this matter. Plus the cabinet refacing is a joke they claimed it was a lifetime warranty but its not. They salesman told me and my wife it was lifetime warranty parts and labor false practice to make a sale. I really hate I ever dealt with sears. After they had to come out two times to make repairs on the refacing work the third time all of a sudden no lifetime warranty false advertising. I have had it with sears and their tactics. The company is taking advantage of consumers, and something needs to be done. I advise anyone not to deal with sears and their cabinet refacing.
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Briefly, a nightmare involving Identity Theft dating back to XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with Chase Manhattan in XXXX. 
A company named XXXX XXXX XXXX appears to be abusively recycling this old Chase account even though they were responded to in XXXX and it appears that they may be doing this with Chase 's help. 
A total nightmare going back over XXXX years that should simply never be allowed to happen.
The creditor gave me a vehicle loan the car was in a accident it was totaled out they wrote it off as profit loss write off showing a balance of $ 16k+ bad debt on my credit report. However my gap insurance covered the vehicles loss value and the loan was paid in full by XXXX XXXX XXXX XXXX. XXXX  bank will not remove it from my reports help.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
I have never received notice of debt from them and they collected {$2200.00} from my paycheck, never got noticed of what the debt was paid for and now they are trying to collect for another {$550.00}, I have check my credit file and I only show I owe them {$550.00} which means I have paid well over the amount due. I believe they have collected for a debt that was out side the states statue of limitations and is now trying to collected on a new debt.
We applied for a loan to build a pool . Aqua Finance  provided us with {$40000.00} and the balance of our backyard project was paid i n Cash.    Payments for the loan were set up as an automatic payment from our bank account on the  XXXX  of each month starting 30 days after the completion of our project. The first payment was XX/XX/XXXX .   Since  XXXX  I have been trying to set up an online account so that I can increase our payments and pay this loan off by the end of   XXXX  . I was told that I would receive a bill in the mail with a code which I could use to set up my online account. Once I have this information I will be able to increase my payments and there would be no pre-payment penalty for paying off the loan early. I called in  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . Today I was told I will never get a statement because I pay the bill automatically. I find this unethical, as a consumer I should receive a statement no matter how my payments are made. I have no way of knowing that the payments I am making are being applied to my account and what they are applying to principle or interest. This is unacceptable.   On my phone call today they offered to increase my payments. I do not want to give who ever I was talking to any more control over my payments without a bill.   Apparently the billing is done by a  3rd  party. They will request that I receive a bill. They do not know if I will receive a bill at the end of  XXXX  or maybe it will be  XXXX . The customer service person did not know how long it would take to for the request to go thru.
Experian credit reporting agency is doing what they want on my credit report andd then lying about who is puting these alerts on my repoert I'v called in about the alert on the XXXX of XXXX to make sure that it was being or has been removed and i was told it was to recieve a letter in the mail that they have place another alert on my file and has stopped all credit offerswhich i did not authorize this a XXXX time. There are XXXX credit file for XXXX one is XXXX that I did not owe XXXX any money i paid a partial owing XXXX dollar balance and they turn my service off the only way i could use my phone was to pay the other XXXX which i did and they place a bill for XXXX dollars that i do not owe i disputed this and they continue to verify but i have been asking to show me thelast bill paid and how it was paid as proof. other XXXX bill was charges placed on an account that was not owed for wiring because my home had caught fire and it was suppose to be a reconnect and then they try to bill me for wiring on an reopen account I do not owe them any money I disputed unauthorized credit inquires that are on my report that i did not authorized, that are constanlty be verified as correct. the last account is XXXX for XXXX that they continue to verify as my account without any proof as well
I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.
Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway.
I have had a credit card account with American Express for over 10 years, never missed a payment and for the last 3 years plus had a XXXX balance but maintained an available balance of {$8000.00}. On XXXX XXXX, 2016 I had a Family emergency ( in another state ) that required immediate need for financial intervention. On the morning of XXXX/XXXX/2016 I called American Express and confirmed with their customer service I had an {$8000.00} available credit and a XXXX balance. I went ahead and proceeded to use my American Express card to address my emergency situation that same day. I used the card to secure a {$3000.00} retainer for an Attorney ( due to a family member XXXX ) and then attempted to use the card to post XXXX with a XXXX XXXX XXXX ( to secure release of my XXXX member ). The XXXX XXXX XXXX kept getting a " rejected '' notice on my American Express card. The XXXX XXXX re-submitted for payment several times over next several hours. I began calling American Express to investigate and rectify the situation. My frantic calls to AE were transferred multiple times and I was eventually informed to contact AE 's Fraud prevention/monitoring department. AE 's fraud people informed the " denials '' were an attempt to insure the fraud prevention ; it was a " security/fraud matter '' to screen for unsolicited charges. I gave my approval to AE to authorize payment immediately to the specified XXXX XXXX XXXX. After numerous attempts to make payment through my AE card failed. I then used another card for this matter BUT - it was to late and my family member was required to spend the night in jail and be processed out the next morning. 
Please be aware, I later made contact with AE to voice my complaint, anger and objection about this issue on several occasions in XXXX and XXXX 2016. I was eventually told, coincidentally, ON THE SAME DAY of my need for use of the available balance on my American Express Card ( XXXX XXXX, 2016 ), AE lowered my available balance from {$8000.00} to {$3100.00} - I had received NO Notice of this reduction ( remember earlier in the same day I was told of my available {$8000.00} ). Therefore the charge of the Attorney 's retainer had left nothing available for the charge of the XXXX XXXX service ( my family member was XXXX ). " Coincidentally '' I received in the mail in XXXX 2016, a notice of " lowered credit limit '' to {$3100.00}, dated XXXX XXXX, 2016. 
I have yet to receive any further contact from American Express about my complaint to the company on this whole situation. Therefore I 'm appealing to CFPB to move this forward, In addition I am hopeful CFPB can make the public aware of the continued actions of corporations, like American Express that put profits before people ; and the consequences that affect people 's lives. 
I look forward to your assistance and response, Thank you.
I asked for my loan payments to be reduced or postponed until I started working again and they told me I do not have that option
I attempted to release my security freeze at Experian using their website. This was impossible as there was no way to search or to navigate to such a page. Next I tried calling the Experian help line. I tried several different numbers. Each took me to an automated prompt system that did not have an option to release my security freeze or an option to allow me to speak with an agent/person. 
I finally searched the web and found an Experian page for security freeze. However, it would not allow me to " thaw '' my credit. I had to print out the page and mail in a bunch of documents to Experian in XXXX TX. I am not sure if Experian will notify me when my credit is accessible or if I will have to keep checking their website. 
Absolutely, terrible customer service. Of course, on their website they kept trying to SELL me on a XXXX XXXX as being better than a security freeze when in fact they do the same thing. What a total waste of my time. And this is the company that controls my credit score.
It is very difficult to understand how a person that you trusted to provide dental services for your family, can destroy the credit that you have been trying to protect. 
XXXX XXXX XXXX XXXX has taken advantage of my good nature to strong arm me into an agreement for extensive services that I did not want nor agree to. 
I did not realize that his disregard for his patient would lead him to deception of services and extraction of undeserved funds. 
I went to XXXX XXXX because I had a painful tooth that needed removing. When the extraction was completed, XXXX XXXX said that he would recommend some additional services. 
I told him that I had to think about it. 
On my way out of the office, the receptionist or cashier told me to sign up for a dental plan to help pay for the additional work just in case I wanted to go forwarded with the treatment. 
Later, I received a bill in the mail that I assumed was for the tooth extraction. 
I paid the bill only to find out that XXXX XXXX had turned me over to a finance credit agency before I had ever agreed to the Additional treatment program. 
This is a situation where I did not realize that my insurance company paid XXXX XXXX for the extraction. 
XXXX XXXX collected XXXX XXXX and XXXX XXXX Dollars from me for something, I do n't know. 
The Synchrony Bank in XXXX, Florida has destroyed my credit because of a treatment program that I never agreed to. 

I have attempted to contact all parties involved in this deceptive practice, but the response has been less than civil. 
I need help to protect my family from this type of predatory abuse.