WillisBack/dataset-financial-user-claim huggingface dataset:
I am a newly graduated XXXX with {$340000.00} of student loan debt. This loan is not only daunting in number but the loan is made up of 20+ different loans with several different interest rates ranging from 3.8 %, to 3 loans having 8.5 % interest! As I am a resident, and will be in public service for the prolonged future, the public service loan forgiveness option is my best option. Thus 5 years ago ( when I graduated ), instead of re-consolidating, to at least drop the interest rate ( those 8.5 % loans are ridiculous ), I talked with my NAVIENT Loan provider and applied for the IBR plan yearly to work toward Public Service Loan Forgiveness ( 120 on time payments ). In the last 5 years, I have done my part and have been working toward loan forgiveness. This year, I finished my XXXX and in order to continue to qualify for PSLF, I chose to work at a government agency in a low income area. I decided it was time to keep all of my PSLF forms on file. When I went to turn them in, I realized NAVIENT is not a loan provider that I can go through for PSLF ( they NEVER told me I needed to switch to XXXX XXXX which I would have done 5 years ago ), and when I went to turn in the forms ( XX/XX/XXXX ), XXXX XXXX ( Not NAVIENT ), informed me that 3 of my loans did not qualify for PSLF ( THE 8.5 % INTEREST ONES!!! ) but would qualify if I reconsolidated them into a PSLF type loan which is apparently VERY easy to do. I immediately, got off the phone with them and called NAVIENT ( XX/XX/XXXX ) and asked the loan provider if I was still on track for PSLF. She stated that I was. I asked to look in more depth, and she said " oh wait, it looks like 3 of them are n't " she stated, however, that it was very easy to reconsolidate into the proper loan but that those 3 loans would then start at day 1 of the 120 on time payments of loan forgiveness!!! Those loans are not small either, currently they are around {$62000.00}. NAVIENT should have ABSOLUTELY informed me of this 5+ years ago!! Additionally, if they could not have reconsolidated, they should have provided me with the option so I could reconsolidate to a lower interest rate with a private company!!! I was obviously frustrated with this, and told her I wanted to reconsolidate into a loan that counted. She sent me an email to do this, however, the link they sent in the email does not actually work, and when you go to the website there is no easy way to do the consolidation. I truly have to say, as a person who is the first to graduate from high school in their family, who is trying their absolute hardest to succeed, the american government has to do better than this! I trusted my loan provider and I was absolutely misguided. You may say, well you should look at the loans and check which ones qualify, to that I say I have every single year when I sent paperwork in for IBR. Additionally, if a NAVIENT Loan provider cant even tell which one of my loans qualify without looking more in-depth at each one, how am I supposed to tell which ones do n't?
I have been making regular payments of ~ $ 180/month on 2 loans which were consolidated after I stopped going to college in XX/XX/XXXXand my forbearance ended in XX/XX/XXXX. The total loan amount for the 2 loans was XXXX in XX/XX/XXXXat 4.875 %. I have literally been paying for these loans for 16 years and they have NOT reduced in amount due. The loan was sold from XXXX XXXX to another company and from that company to yet another. I have since lost track of how many times this loan has been sold but it is now owned by Navient who just recently sent me new paperwork regarding a forbearance which I did not have on my loan. They have now " updated my payment plan '' which puts me right back at owing the original amount to pay off for another 16 years. This loan should have been paid off years ago. I know I am being scammed and my payments are literally being stolen at this point. I have no idea how to stop this from happening and I do not want to have to pay yet another 16 years of payments.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Jefferson Capital. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Jefferson Capital in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I want it to be noted that I dispute any responsibility for this debt, and I do not owe this. The fluctuating statements, as well verification that does not match up with amount owed show the inconsistencies associated with this account. 

The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I dispute this debt, as I have with previous collection agencies.
Hail storm of XX/XX/2018. XXXX issued check for {$21000.00} on XX/XX/2018. payable to me and Round Point. We endorsed said check and sent to Round Point. I was need in funds to replace my roof and to do the rest of the repairs. Forms notarized and sent in. Round Point says one is not legible and sets everything aside. Two weeks go by. Call on the phone, Forever on hold. Given apology. Resubmitted said document.

Finally, Round Point has agreed to release some of the funds ( today is XXXX XXXX ). to pay my poor roofer, who has been waiting for 2 months. 
However, the check which was to pay my roofer, was sent to someone in West Virginia. I was given the XXXX tracking number. We live in Colorado. Response is questionable. 
Working with XXXX XXXX and XXXX XXXX. 
Five months after the hail storm, I have yet to recieve as much as one cent back from Round Point.
Received letter dated XXXX XXXX 2016, XXXX XXXX XXXX, Amount {$1200.00} I called the company demanding original creditor information and who the account belonged to. They could not provide any information about the debt at all. 

I sent a certified letter demanding validation of the debt with no response to this date. 

I disputed with CRA 's but Commonwealth is affirming the debt. 
This is fraudulent and needs to be removed from my CRA 's immediately.
On XX/XX/2017 I applied for a unsecured credit card with capital one. Yesterday I received a decision in my email. The reason for their decision was, Based on my application information, there is a currently pending or recently processed application with capital one. I called capital one today and spoke to an agent. I informed them that I have an secured card with them already, and I wanted to obtain an unsecured card since my credit report has changed. The agent informed me that they just passed a new rule that says you can not apply for a new account within 6 months of previously applying, or opening an account with them. I told the agent that was not on their website when I got my secured card account. They refused to further assist me. I went back to the capital one website and printed their rate and fee disclosure. Under the additional disclosures and terms and conditions section. It clearly states that I may not be eligible for the offer if I have applied for a capital one card 2 or more times in the last 30 days. Which I have not done.
My wife and I got a Greensky credit card in the Spring of XXXX for making purchases at our buying club, XXXX. 
I understood in advance if I paid the balance in full for purchases by XX/XX/XXXX, I would not incur any of the accruing interest charges@ 29.99 %. 
Since I received a loan from my credit union on XX/XX/XXXX, I was able to pay off three credit cards with high interest : XXXX, XXXX and Greensky. 
The transactions all took place on the same day XX/XX/XXXX ... and checks were mailed to all three lenders. Both XXXX and XXXX posted credits to my accounts on XX/XX/XXXX ( 5 days later ). Greensky did not post the credit until XX/XX/XXXX ( 14 days later ). 
If I had waited until the end of XXXX to repay my bill ( due XX/XX/XXXX ), it is very likely that it would not have been credited to my account in time not to incur HUGE 29.99 % accumulated interest. 
This looks like predatory lending to me. 
Even though this smelled bad, what eventually made me file this complaint is that they said it would take 30 business days to send me my refund for the overpayment I had on my account. 30 days!!! Greensky looks like a bad actor and should be investigated.
Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of   XXXX   XXXX    2017 and  spok e with a US represent ative from which I did n't get anything but a hard time and someone who belittled me. On   XXXX   XXXX    2017, I  sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to   XXXX    which was delivered at  XXXX    XXXX   on   XXXX   XXXX    2017 in   XXXX , PA  XXXX  asking them to investigate. On   XXXX   XXXX    2017,    XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to Experian which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX    XXXX   on  XXXX   XXXX ,    2017 in   XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX    XXXX   on  XXXX   XXXX ,  2017 in    XXXX , GA  XXXX . According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any   information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
XXXX membership for XXXX plus XXXX for processing, which I paid. I received a debt collection letter from Kingston Data and Collection international, for a bill of {$590.00}. I tried calling XXXX, XXXX XXXX, bad phone connection, much static. I researched the company on the internet, based in XXXX, but per the letter they are in XXXX, NY. Debt incurred XXXX? 2015, not correct.
Purchased vehicle XXXX XX/XX/XXXX from Drive Time located in XXXX Florida due to having no established credit. XXXX of Drive Time 's key selling points is that they reported to ALL XXXX credit bureaus monthly and this would help to establish, build credit history & rating. Payments were & have been being made as contract specified. I created a XXXX account a few months ago to keep track of credit and realized that Drive Time had stopped reporting my payments since XXXX XX/XX/XXXX. This caused my credit score to drop significantly. I immediately contacted Drive Time concerning this issue and was told there is a glitch in there reporting system to the credit bureaus. I stressed to Drive Time that this issue was causing a derogatory reflection on my credit. Drive Time stated they would hopefully have the issue corrected within 30 days. I filed a complaint with the BBB on XXXX/XXXX/XX/XX/XXXX located in Arizona where Drive Time 's corporate office is located. I have yet to hear from the complaint and it has been over a month. Drive Time did finally report to XXXX a partial payment history reflecting til XXXX XX/XX/XXXX but did not report to XXXX and I 'm not sure about XXXX. The payment history is missing for XXXX XXXX XX/XX/XXXX thus this is still affecting my credit score. Drive Time has not made an effort to contact me in regards to the complaint filed. I believe that I was given false advertisement & sales practices. I would like a representative of Drive Time to contact me in regards to this serious issue and resolve this matter immediately. I have been working very hard with building my credit & this issue has caused unnecessary time & financial stress.
I recently checked my credit score with Chase.com, and it showed I have a score of XXXX. The reasons it gave were that I had one or too many delinquent accounts, or accounts that went unpaid in over a 30-day period, but I have automatic payments for all of my bills, and I have never had a check bounce, and none of my accounts have been overdrawn because of a payment to a company. It is also telling me that I do not have any realty or home lending history, but I have been living in an apartment for over 15 months, and it is negatively impacting my score with misinformation.
IC Systems have been calling up to 4-5 times a day from various different numbers with the XXXX area code. It is very annoying and way too many times to call. They have n't left a voice message therefore I could n't call them back with knowledge of what exactly they are calling about. I want them to stop calling because the debt they are calling about is n't even current or correct.
This alledged debt was paid by my insurance first. Second, I never received information on such owed debt. Third, this is a violation of my HIPAA rights as I said before because there is no reason my diagnosis and what test was done should be of any concern to this Collection agency. Fourth, this was added to my credit report w/o first contacting me. I 'm very tired and feed up with this collection agency for a {$270.00} alledged debt. So it will cost them more. Because I will be filing this with my attorney, due to the information that is on the form. Which includes my social, diagnosis and test that was done. My diagnosis is noone 's concern. ONLY the person who was caring for me at the time and it was not a Collection agency. What if I had a relative working for this company and they saw my diagnosis? I would be furious. And I still do n't know who else seen my diagnosis. 
XXXX XXXX
In XX/XX/XXXX I got a mortgage through Wells Fargo Home Mortgage, it was an FHA loan, and paid on time every month. In XX/XX/XXXX I received a call from a XXXX XXXX, a loan XXXX for Wells Fargo, stating that because of my excellent payment history I have the opportunity to refinance my loan at a lower interest rate. My payment would not change by much, about {$20.00}, but the interest rate would go down almost XXXX %. Now my interest rate was not that high to begin with but I figured I would take advantage of it. XXXX did I know that they were taking advantage of me. XXXX XXXX XXXX failed to tell me was that in XX/XX/XXXX FHA changed their laws and the PMI would now remain on my loan for the life of the loan. Unlike my original loan in XX/XX/XXXX where my PMI would have come off of my loan after I have a certain amount of equity in the home. He NEVER informed me of this and I did not find out about it until I called in XXXX XXXX to see when the PMI would drop off and the man I spoke to said it wo n't because of this change in FHA laws in XX/XX/XXXX. I was in shock!! I would have NEVER refinanced this loan for not even a XXXX percent drop in my interest rate and no drop in my payment had I known that I would now have to pay the PMI for the life of the loan. That is an extra {$15000.00} in Wells Fargo 's pocket because they just happen to leave that information out when requesting I refinance. I have contacted the company and spoke to a XXXX who proceeded to tell me she understands my frustration but there is nothing she can do. I can not believe that they withheld such an important piece of information for a loan and proceed to tell me they can not do anything about it. I can see why they do n't want to do anything about it since they just screwed me out of an extra {$15000.00} for their pockets.
I wrote this letter to complain about Trans Union for not following the Fair Credit Reporting Act guidelines. 
As I was browsing through my Trans Union credit report, I discovered that a credit collection agency by the name of XXXX XXXX XXXX reported me to Trans Union. The same debt is also reported by another credit collection agency known as XXXX. Trans Union never questions as to why the XXXX collection agencies reported me for XXXX debt that I had with XXXX XXXX Electric and Gas, or XXXX XXXX XXXX NJ. With that, I believe that Trans Union fails to follow the proper guidelines pertaining to the Fair Credit Reporting Act. Then recently, the same debt was reported to Trans Union by another credit collection under the name of XXXX XXXX XXXX. 
All XXXX agencies are now on my credit report with the same XXXX debt. I am asking that Trans Union does what it has to do to rectify the situation.
USBank provided me a construction loan. 

1. they failed to provide online banking for review of statements or making payments. I was told in the enrollment process that online banking was available. I had to rely on paper statements. 
2. USBank continually failed to provide me timely paper statements. I dutifully looked at my bills each day/month but often I did not receive a paper mortgage statement from USBank. I was forced to call/email each month to arrange for a manual emailed statement from the construction loan mortgage group. 
3. I was informed via email by XXXX XXXX XXXX, the construction loan supervisor, that my loan would begin full P & I mortgage repayment from interest only effective as of XXXX XXXX, 2017. This would increase my monthly payment amount from $ XXXX to nearly $ XXXX. My assumption was that the first $ XXXX payment would be due in XXXX 2017. 
4. I received a monthly statement on XXXX/XXXX/17 that indicated I owed $ XXXX which I paid immediately. 
5. On XXXX/XXXX/17, I received a collections call from USBank indicated I owed the balance of the $ XXXX ( approx {$6800.00} ) and would be in arrears if not paid by XXXX/XXXX/17. 
6. I called customer service and was put on hold for 10min. When I talked to an agent I was informed that I was required to pay the balance immediately -- which I did via phone ACH. 
7. I inquired from a customer agent ( employee # XXXX ) why I was sent a statement on XXXX/XXXX/17 showing $ XXXX was due. He had no answer. I also inquired why it was explained to me that full P & I amortization would begin on XXXX XXXX. If the full amortization payment was due on XXXX XXXX, then the amortization began on XXXX XXXX -- not XXXX XXXX. Once again, he replied that he had no explanation. 
8. This is highly misleading and stressful conduct by XXXX XXXX XXXX XXXX and the customer service personnel. 
9. Further, USBank has forced me to convert my construction loan to a fully amortizing loan despite having a $ XXXX balance available on my construction loan. This $ XXXX is placed in escrow- for which I do not have access. In doing so, USBank is forcing me to pay interest on the $ XXXX balance despite not needing the funds.
I am writing in dispute to the payment history reported from XX/XX/2017 through XX/XX/2017. During XX/XX/2017, XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan ( TPP ), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies ( i.e. XXXX XXXX, and XXXX ). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by LoanCare. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. 
I have a copy of the TPP that I signed and that was approved by Loancare, with highlighted statements. On page 2, bullet 7, it states Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP. On page 2, the 3rd bold section under Additional Trial Payment Plan Information and Legal Notices state, Your current loan documents remain in effect ; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents. ( I also have monthly statements from XX/XX/2017 showing the dates these payments were received. ) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different LoanCare representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with LoanCare. The TPP document clearly states that I may make these partial payments ; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
A company that referred to themselves as   XXXX   XXXX   XXXX   illegally created an   XXXX    account in my name and illegally opened a loan through a separate company LoanHero in my name without my consent.  
 When I attempted to log into my  XXXX  account I had trouble so I contacted FSA by phone. I was informed by  XXXX  that an  XXXX  account was created in my nam e in   XXXX  2017 .  I never created this account. When I told  XXXX  I did not create an account they asked me if I was involved with a scam related to student loans.  XXXX  also informed me it is illegal for someone to create an  XXXX  account under another person 's name. I was advised to stop all contact and transactions being made with  XXXX  's company.  
 When looking at my credit and all my loans and found I have a new loan opened with LoanHero. I was not aware a loan was made in my name through LoanHero. I contacted the Department of Education and  Student Loan su pport regarding the creation of an   XXXX    account in my name without my knowledge and the creation of a new loan. I was informed again that this is illegal. Also I was informed many fraud companies place the name of real companies on their documents and paperwork to scam people.  XXXX  told me he is associated with  XXXX . I contacted  XXXX  and was told that scamming companies use their name frequently and if an   XXXX   account was created in my name without my knowledge then it was illegal.  
 I canceled my the consolidation and when I went to cancel the miscellaneous loan through theses companies they refused. They also stated " it would n't affect my credit '' which was an additional red flag. I contacted the Department of Education again today and they stated they have had other student run into scams  with Loan Hero and again confirmed all of the statements mentioned previously.