WillisBack/dataset-financial-user-claim huggingface dataset:
I am being sued by National Collegiate Student Loan Trust for {$49000.00} in student loans. 
I feel I am being harassed, bullied, and treated unfairly! ... 
I got an education, I have never been in any trouble in my life in any way, and I have done everything right and all I got out of it is an inability to find a meaningful, livable wage job! 
I have no work, no possessions ( no car, no property, hardly anything in an account ), I abhorrently live at home with my parents and since XXXX I have applied to OVER XXXX jobs AND I CAN PROVE IT!! ... On top of all that, I have now been SUMMONED by National Collegiate Student Loan Trust to appear in court for a civil law suite in an amount that is absolutely ridiculous and obscene! ... 

Despite my repeated efforts in reaching out for help to find employment from different colleges ( as well as unemployment agencies, job banks, temp agencies, etc ... - YOU NAME IT! ) NONE of the colleges ( or ANY of the other places ) I have reached out for help from have ever been helpful in any way, shape, or form! These thieves ( and I 'm talking about the colleges ) are quick to give you a loan so they can get paid, and then when it comes to helping you find work so that you can actually pay back the loans they gave you, they are nowhere in sight to be found! 

I feel I have definitely been a victim of predatory lending and I do n't feel its fair nor right for me to be sued for an amount ( {$49000.00} ) that there is absolutely no way I can ever really pay especially given my circumstances and the lack of real help in finding any kind of gainful, meaningful, livable wage employment. 

PLEASE HELP ME and let me know what I can do to get these predators ( National Collegiate Student Loan Trust ) off my back! ... Even if they get a successful judgement against me in court, I 'll never be able to pay! - YOU CANT SQUEEZE JUICE OUT OF A PRUNE! 

I believe that instead of suing me, they should SIGNIFICANTLY reduce the amount of loan that I have to pay back. Perhaps something a lot more reasonable, sensible, and workable - such as {$12000.00} or something like that - would be a better alternative than a meaningless judgment for an amount that does n't even make any sense ( {$49000.00} ) and which is completely unrealistic for me to ever be able to repay! 

I have recently been awarded a GRANT to attend a training program which promises to better help me to find gainful employment in the field that training is being provided. 
This program will end XXXX XXXX. After XXXX XXXX - IF I actually do find gainful employment as they say they will help me to do - I MAY be able to work out a payment plan for an amount that wont create much hardship for me given my changed circumstances at that point in time. 

Please let me know what I can do to prevent a ridiculous judgment against me for a ridiculous amount that does n't even make any sense, which will only serve to unnecessarily burden me for XXXX knows how long into the remainder of my life! 
Thank you so much! - PLEASE HELP!
To whom it may concern, These inquiries reporting on my credit file do not belong to me. please remove them as soon as possible inquiries for dispute : XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date FiledXX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX Nature : not mine
I opened a checking account with Chase Bank on on or before XX/XX/XXXX where I transacted a couple of times. I received a letter dated XX/XX/XXXX stating that my account could no the opened due to my credit score. I question the motive behind the closure of my account since I had already received in the mail a welcome letter which included my debit card. I'm in the XXXX XXXX for 28 years and do believe that banking institutions have regulations you are here to uphold as e do in the XXXX XXXX XXXX. Why would they open my account which I asume all relevant due diligence was conducted during my application process, a credit report take s 2-5 minutes to run by man hands, in the event they uses and automated process takes seconds. I question the moraine when Chase bank sends me a letter dates XX/XX/XXXX in response to my complaint call on the XX/XX/XXXX same month. The letter states " The agreement between us either you or us may close the account for no reason. later in the letter they state we are not required to give you a reason for the decision to close your account. when you state originally that the reason for the closure of my account was my fico score which you could have known or did know at the point of my application, why then wait till I used the account, close dry XXXX XXXX XXXX account to leave me with our my money or account. I believe this requires further investigation in your part. I will respect your funding positive or negative.
I have tried to pay my car note online at XXXX XXXX for over two weeks. Before they switched their systems. I had my reoccurring payment set up with my bank account for 2 and a half years with no problems. Now, my payment has been rejected two times f5rom the online process through my bank account and would not be accepted via EXXXX Debit Card or XXXX XXXX through their XXXX XXXX. I called XXXX twice and my bank twice. My bank, XXXX, says they are not rejecting any payments from XXXX ( as XXXX emailed me and said my financial institution was rejecting the payment, three times XXXX. I called XXXX twice, the first time they said that it was my banks fault and to try again, which I did. Today, XXXX I called after I received another email saying the payment I tried to give on XXXX ( third time trying ) was rejected and I had incurred a late fee. I spoke to someone in their Customer Service department, but I could not really understand her. She said my bank account information was incorrect ( which it was not ). She said she would waive my late fee and connected me to their payment system XXXX XXXX. XXXX XXXX could not accept my XXXX Debit Card, XXXX Credit Card, XXXX. I checked online and the late fee has not been waived. I am highly frustrated and super inconvenienced since I had all the information in my account previously, and now it is not working. This could affect my credit score, and I have not received any help from XXXX in regards to paying them.
Ford Motor Credit for a second time now has failed to update my mailing address and provide me with paper bills for a car loan taken out several years ago. 

My account number is XXXX. 

As a result of their inability to update my mailing address after having made requests by phone on XXXX separate occasions I was not notified of a missed payment associated with my auto loan and was unable to rectify and make the payment due to having never received any type of bill or late notice. Ford Credit has not reported two, 30-Day late notices to my credit report which are extremely damaging in both my personal and business. I have contacted them requesting good will and again requeste that my address be updated but did not have any success as it relates to their reporting of late payments. 

Furthermore, on a statement dated XX/XX/2018 it reads : returned payment received. Indicating that my XX/XX/XXXX payment was processed. Since than I have received no other notices. On XX/XX/2018 my payment due XX/XX/2018 was marked 30 days past due and was immediately reported to the Credit Reporting Agencies. 

Ford Credit has been unreasonable in their dealings and has taken no responsibility for their failure to issue me a paper bill or written notices which I am entitled to as an account holder. They have been extremely timely in their reporting of missed payment to the Credit Reporting Agencies but to date have not provided me with one bill or piece of mail!
My insurance company have issued check for car repairs Two party check. Repair shop did not repair the car. 
But have take the check to check cashing forged my signiture and cashed the check. I have been not present at time of the transaction either I have authorized to cashe the check. The check cashing have not obtained any ID verification or contacted me as one of the parties named on the check. Check cashing have cashed the check using my name under my name/customer account. Check cashing have committed conspiracy to fraud and forgery. Check cashing have been refusing to provide the documents related to the frauduntly transaction. According to statment from witness the check. The individuals who cashed the check frauduntly have connection to the check cashing employes. So they have done a fabet and cashed the check.
SOMEONE tried to open a credit card at XXXX  XXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX XXXX on XX/XX/XXXX OR with CHASE on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
Equifax is reporting 2 account that are over 7 years, account needs to be deleted. the account is XXXX XXXX and XXXX XXXX. XXXX XXXX isXXXX XXXX XXXX XXXX XXXX, IL-XXXX ( XXXX ) XXXX they are lying about date of last activity, they say it takes 10 years for a credit account to be removed, this account is over 7 years, All people there ca n't talk English and know nothing about credit. This needs to stop. The people there are unknowledgeable, unwilling to help, and rude. Equifax iis very slow to act, web site is terrible. This problem should be brought to someone 's attention. Disgraceful as a CRA can get.Same problem with ed financial, this account was cancelled due to XXXX of borrower, its in their cancellation clause. But Equifax always says that verified, wrong look it up if borrower is declared XXXX, loan is cancelled. This was the case. Company policy states this, Equifax wo n't take the time to review
I have tried to contact XXXX XXXX for almost 3 months. Someone opened a credit card in my name with this company and now I have a charge off on my credit. XXXX XXXX is not reachable they do not call back. I have sent emails and called no reply.
XXXX XXXX of XXXX, Florida forced me into getting a XXXX XXXX. I went into the dealership only to look around. I salesman asked me if I see something that I like. I said no i 'm just looking around. He ask if I wanted to see if I qualify I agreed. I make it very clear I do n't want a vehicle only to see if I qualify. I did n't bring money, or anything else. So after he seen my mom and aunt leave the dealership, he approved me for a loan. My mom and aunt went to the store by the dealership, and was coming back to get me. The manager, and the salesman forced me to get the XXXX knowing I did n't qualify. My credit score is low, plus I work part-time. I stated that I did n't want a vehicle or loan. They knew I told them I was n't purchasing one. After they said that I said I did n't want it for XXXX minutes straight. They said the bank gave me the car and that I ca n't leave the dealership without the car that they picked out. I felt harassed, and forced to get something I did n't want. The manager said if I did n't take it he was sending it to my house. For one I was violated, two I did n't know what was going on, or what scam the had going on at the time like I do now. The took advantage of my grandmother she said she would co-sign if her son was present. He was not present she was forced also to sign the manager told the salesman to drive to her house to so she could sign. My grandmother does n't remember signing anything, she has early dementia. It was late it was time for me to take my XXXX medicine l was very confused at the time they back me in a corner basically and threatened me. I received a letter from the XXXX corporate office stating that we did n't qualify. I have been trying to call the dealership in XXXX, Florida. The manager XXXX has been rude, also general manager XXXX. I have been trying to stay in contact with bank so we can be released off of the loan. I received a letter from Santander Consumer USA, stating we did n't qualify. The president of the bank said he 's waiting on XXXX to respond it 's been a month they still have n't heard from XXXX XXXX. The manager at the dealership is still trying to qualify me for other auto loans without my permission. We are tired of this nightmare. The bank is in on the scam with the dealership. They forged our information and rolled back to the odometer. The bank knows everything that 's going on and they are lying about it. The dealership is stealing our information for us to keep the car when they know they messed up so now they trying everything they can to make me keep the car. I want something done about this, they have taken advantage of a lot of people that came through there the bank to they have a bad reputation the bank just had to pay a lot of people back because of fraud. I been gave the car back XXXX days later
I received an unsolicited credit card for my business, ready for activation upon its arrival. The scary part is that there is an actual card, with a {$150000.00} limit, addressed to a former Board of Director that has not been active in my organization for over 15 years. It is from XXXX, a company I have never heard of. I often receive solicitations or credit applications, but never one like this. I would be very afraid of what someone could do with a card like this to my companies credit, and all of the headaches that would ensue. Thank you for your help with this matter.
On XX/XX/XXXX I sent a letter to Equifax to dispute items negatively reporting on my file, for proof of accuracy and if the item could be verified. There were 5 items that were disputed on this inquiry. 

On XX/XX/XXXX I sent a second letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in the dispute of this inquiry. 

On XX/XX/XXXX, I sent a third and final letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in this dispute of this inquiry. 

As of today, XX/XX/XXXX I have not received any response from Equifax. The only acceptable response is to provide proof that the item is verfied BY SUBMITTING ORIGINAL SIGNED CONTRACT WITH WET INK SIGNATURE according Section 609 ( A ) ( 1 ) ( a ) of the FCRA. If you can not provide proof, that means the items are unverified. If the item is unverified, the item is to be removed from the consumers credit profile. This is law. This is only acceptable. 

This is my final attempt to settle this dispute with said company, other wise we are pending litigation with a complaint filed in U.S. District Court Central Division of California for negligence of compliance secured and guaranteed to me in sections 616 & 617 of FCRA. 

Also included, you will be sued for the following reasons : Tyranny ( abuse of power ) - Establishing your own jurisdiction and not complying with FCRA regulations. 
Fraud ( Acquiesce ) - Consent to fraud by Tacit, Silent or Passive response. 

And any additional findings in your efforts to verify items disputed.
I refinanced my mortgage with BB & T because they had a better rate at 4.49 %. I told the loan officer that I wanted a fixed rate not one that fluctuates. I was specific with her. She said that it would n't change, that a fixed rate did n't matter because they hardly ever change. I received a letter 4 months after stating that my rate increased to 4.74 %. I was so upset! Because she told me that it would n't increase. I went into the branch and spoke with her and she said there was nothing she could do because I signed the papers that said that it was n't a fixed rate. Finally, the last bill that I got had an interest rate of 5.99 %. I am so upset. This is more than I was paying for my mortgage before I switched. I felt that XXXX XXXX ( Loan Officer ) was not clear and was misleading. She said that my credit was n't good and this is why I received the 4.49 % and not lower. Please help me in this matter I am an eighty year old and ca n't handle all of this aggravation.
Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this information and should be deleted from my credit report.
We closed on our home XX/XX/XXXX with a perfect payment history even with my husband losing his ability to work due to his health. Then in XXXX of XXXX came Hurricane Irma which caused a financial hardship and a trickle down effect. We live in a very strict HOA and had to take care of trees and shrubs immediately. This along with the care of my husband took a huge toll on us, he did not have medical Insurance until XXXX of this year so everything was coming out of our pocket. When things calmed down from the hurricane we called our mortgage company PHH MORTGAGE and ask for help, they offered us three options one being A FORBEARANCE, A REFINANCE, OR A LOAN MODIFICATION. We ask PHH MORTGAGE to put everything behind on the back of the loan which the said they would do. We received a new coupon book with a lower payment that was to include PITI our payment was to start XX/XX/XXXX in the amount {$980.00} for XXXX, XXXX & XXXX then we had a 30 day grace for XXXX with a new modification and new payment of {$920.00} everything included. No mention of any shortage during the whole process of modification. PHH MORTGAGE contacted us after the closing documents were signed and said they now needed more money for escrow and taxes. A REAL ESTATE ADVISOR highly recommended that we investigate our mortgage due to the thousands of illegal loans and modifications done by PHH MORTGAGE where they did not follow Service Rules and they are still under indictment.
The company has called me 5 times. They are looking for someone named XXXX XXXX. I told them there is no XXXX XXXX in my family. I then tried to ask them if someone was fraudulently using the family last name. I asked how they got the phone number. They would not give any information and simply said they would take the phone number off the list. They called back a few days later again the same thing. Then someone named XXXX called. I informed him again we have no relatives named XXXX XXXX. He hung up on me while I was asking him to not call any more.. I called him back and asked for his supervisor he said the supervisor was in a meeting. I then said there is no XXXX XXXX here and he hung up on me again. I Called back again and Got some Woman called XXXX. I asked her for the address so i could send them a letter to stop contacting me and she wouldnt give it to me and got sarcastic.. So i called her a XXXX.. She told me i had no manners so she was not going to take my number out of the system. She had nerve to say all that after i threatened to sue. The name of the company is called- RECOVERY FIRST. No one in this house knows or is related to a XXXX XXXX. I dont know if someone gave the phone number or if this company pulled it out of the phone book. No one in this house or this family owes Recovery first any money.. Pleas make them stop the harassment.
I noticed that as of XXXX, XXXX my XXXX Credit Score wend down. According to XXXX  XXXX sold the old debt information to XXXX XXXX. Convergent is now ruining my Credit. I have previously filed a complained about XXXX trying to collect debt that is not mine ; I never had an account with XXXX and I never lived at the alleged address. This matter was already settled with XXXX on XXXX/XXXX/XXXX ; i.e. they ceased extorting money from me. 

Best Regards,
My grandmother got a loan from Citifinancial and they put a lien on her house until the loan was paid in full and she was also told she had to purchase the insurance in case of XXXX or death. She purchased insurance and eventually she had a XXXX and when I called to ask what the insurance will cover Citifinancial told me it was only payable upon death. Later they sent her a letter stating the insurance will expire XX/XX/2015 and would no longer have insurance on the loan. Unfortunately my grandmother passed on XX/XX/2015. When attempting to make an insurance claim, and they deny the claim stating she had no insurance although they we 're charging her for it.
In XX/XX/2016, Ameritech Financial contacted me stating that they can lower my student loan payment and guaranteed loan forgiveness within 15 years with their assistance, but none of my monthly payments went toward my student loan balance. As a matter of fact it only went up more because of the interest. The FTC sent me a letter stating that there is an active lawsuit against Ameritech Financial. I contacted the company and they refuse to refund my money back. I have paid {$850.00} to this company with proven bank statements.
In XX/XX/XXXX I applied for an installment loan at CashCentral of South Carolina XXXX XXXX XXXX XXXX XXXX XXXX I borrowed {$1700.00} and my payments are {$340.00} a month. I have paid back {$900.00}. XX/XX/XXXX I lost my job. I made XX/XX/XXXX and XX/XX/XXXX payments. In XX/XX/XXXX Cash Central tried to take out the payment muliptle times which incurred NFS fees at my bank in over {$300.00}. I contacted them to see what my options where due to me being unemployed and they told me they dont work with anyone no matter what the situation. I still am currently unemployed. Cash Central has continued to harass me regarding this loan and is unwilling to work with me. I also found out my interest rate is around 400 % which is illegal in the state of North Carolina which I am a resident of. I was unaware of this type of interest rate. I know I signed documents but they rushed me so that I couldnt even read anything within the fine print. I feel taken advantage of completely I am writing this complaint to say I would like the rest of the loan to be considered paid off and for them to stop harassing me with phone calls. I am a resident of North Carolina who has been a victim of a shark loan and harassment from Cash Central.
I received a letter stating that my interest reduction rate time period was up and to call to re-apply. When I called on XX/XX/18 I was informed that since my reduced payment was within {$50.00} of the regular payment, I do not qualify for a reduced rate. I was also informed I do not qualify for a forbearance or any other type of payment reduction, payment hold plan. This company has been a nightmare to work with from the start. They have taken payments from my and my cosigners checking accounts without permission, they have over charged, under charged and changed payment terms with no notification to me or my cosigner.