WillisBack/dataset-financial-user-claim huggingface dataset:
I have been paying towards my student loans for over 10 years now and I owe just as much if not more than I did when I started making payments over 10 years ago. I am a XXXX working in the XXXX in the state of CT and we are also the lowest paid XXXX in the state of CT. I have contacted NAVIENT on numerous occasions regarding the fact that my balance is not decreasing and the only response I got from them was to make larger payments. How and I supposed to do that when I am barely making ends meat as it is. I have also requested information regarding loan forgiveness since I am XXXX in a poor district and I have been XXXX for over 11 years and I was told that I do not qualify. Over the past 10 years since I have paid XXXX per month I should have seen a decease in my outstanding balance and I have not. I am to the point now where I am seeking legal action against them and I am hoping that you can help me. At the rate things are going I will be paying off my student loans until the day I die which does not make any sense.
I 'm selling products on Ebay for a few months and everything was fine until I tried to upgrade PayPal account to business account with a debit card. PayPal required that the account owner has a valid SSN, address, ID, etc. So I added my husband 's information as the main account holder since he has everything they need and we have been using his bank and address since the account was opened. Less than 24 hours after I added his name, PayPal sent me an email with Case ID # XXXX telling me that my account is now permanently limited and would n't be able to do anything for 180 days to make sure I have enough money to cover any payment reversals. 
I have n't done anything wrong or break any agreement with PayPal or Ebay. There wo n't be any payment reversal from Ebay as well because I never enabled the return option for customer and I got 100 % positive feedback on Ebay. I do not want to wait 180 days to get my money.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N J XXXX   XXXX  CC # XXXX  XXXX XXXX has sued me for a credit card debt that they bought from XXXX XXXX XXXX  which they can not validate. The last time I had contact with XXXX XXXX XXXX was XX/XX/2011 when I disputed several charges on my credit card that I received from them. I have not used the card since then yet now they say I know them almost {$2000.00}. The time limitation on the suit exceeds the statute of limitations for New Jersey. XXXX XXXX has never proved the alleged debt and they have not responded with regard to the disputed charges. They refused to provide proof of the charges of any credit charges.

XXXX XXXX
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, Experian, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, Experian, and XXXX can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point
I do n't have much information, as I have not been contacted. I was just approached by a neighbor because they called HER and acted like it was a character reference and asked all sorts of questions, including where I work, my phone number, and more. She did not respond, as she 's aware not even I have her number, so I would n't have used her as a reference. The person who called was XXXX and her number is XXXX.
I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX / 2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.
Equifax closed Ticket XXXX today and have done nothing but attempt to blame me for my account not having a freeze on it, when the fact is they still are unable to fix the account and allow me to freeze and unfreeze on my own. 
Equfax has ignored ticket XXXX, which is my report of their illegal activity with respect to putting a freeze on my account when ticket XXXX specifically stated not to do that and the reason was given. 
Equifax has chosen to respond to ticket XXXX with a simple " we need more time. '' Time is up. 
Since Equifax broke the law when they put a freeze on my account after being told specifically NOT to do that, what is my recourse against this company?
Spoke to XXXX XXXX for {$460.00} for XXXX and I do not have. Live in a private community that provides free cable with XXXX XXXX. Spoke to them on XX/XX/19 and explained situation and would not listened to me. Called again this week at XXXX spoke to a XXXX XXXX and settle on account for {$250.00} to be taken off my credit and to send me a letter showing this. Number makes a weird sound now and they got the money and never sent letter to me email or took collection off my credit. I proof that I made payment of {$250.00} to settle and get my credit situation corrected.
I called Amerisave Mortgage on XXXX/XXXX/2016 and spoke with XXXX XXXX, a Loan Originator. He assured me at that time he could and would get the loan closed. Initially the loan received an automated underwriting approval. Since then, the loan application has been declined 3 times with no explanation as to why it has been declined. When the initial credit application was taken, my credit score qualified for premium financing. They ran my credit a 2nd time within 30days which reduced my credit score and caused me to be disqualified for premium price financing. I have reached out the XXXX XXXX manager, XXXX XXXX several times and he HAS NOT responded to me at all. I have contacted the loan processor, XXXX XXXX, and he has not responded to my email or returned my phone calls. I have also contact customer service and was told a manager would call me back within 24 hours and I have not received a call or email response from anyone. At this point, I have spent {$75.00} getting documents signed and Notarized only to receive an email stating the loan has been declined again with no explanation. I have been requesting a call back since Friday, XXXX/XXXX/2016. XXXX XXXX replied on Monday stating he was out sick and would have his manager call with the reason for the decline & I have yet to receive a call or response from him. I believe I am being discriminated against or RED LINED.
I am XXXX military and have been for XXXX years. In XX/XX/XXXX, I received XXXX, at which time, I had canceled various services to which I had at my home. One of these services, was a home security system. I submitted a copy of my XXXX as I had done with other services I terminated to no issues from the company. Around XXXX years later in XX/XX/XXXX, I started to receive outstanding debt notices from this company stating I owed {$1100.00}. I explained my situation and that I had previously resolved this matter prior to moving. The individual apologized and said they would take care of it. I heard nothing back until XX/XX/XXXX. I had again received XXXX. While in XXXX, my wife was back in the states buying a home for us in the next state we would be living in. It was at this time, we discovered the security system company had reported the debt to the credit bureaus. Before we could purchase the home, we had to have these issues resolved. I presented my case and the items were removed from my credit reports. It is now XX/XX/XXXX and this year, I have received multiple calls from XXXX different collection agencies all referencing this particular debt. Each time I request to have a bill mailed to me, the debt is sold to another agency and the process starts all over again. I have contacted the original debtor and they claim they have nothing further to do with this debt as it was sold off to collection agencies.
I refinanced my home through Loan drop. I was told that it would drop my payment by {$100.00}, my rate a full point, that I would skip two months of payments, my closing costs was {$500.00} and keep my escrow check. Four days before closing I was told my payment would be {$40.00} higher then promised and I will have to hand over my escrow check for closing. So I spoke back to the original guy I started the process with who informed me that he would take care of it and I will definitely keep my escrow will check. Once again the promises were broken and I was told I do still need to give off of my escrow check because it's going to be part of my closing cost but what I could do is write them a post-dated check and they will cash it 30 days after closing for the closing cost. So I wrote them a post-dated check to only come and find out 3 months later they lost my check. I spoke to another Mortgage Company who told me to bring in my closing documents so they can take a look and see what's going on because they have never heard of anything of its kind. Sure enough the amount that they had me posted the check for that they are claiming is for closing costs is not listed on my closing disclosures nor was it listed in my XXXX tax statement. I think reached out to loan Depot again and ask them why it was not listed on my closing documents or my XXXX statement. I was told that it has nothing to do with closing so I didn't ask but what is this money for. And then received a very condescending email from the processor that just told me I need to send him a replacement check and that if I had any questions to call him but every time I reach out to call him he will not answer the phone. I need help with this lender it seems like something shady is going on. This situation has been going on since XX/XX/XXXX ( closing date ) all the way up to today 's date.
Our mortgage was sold to Rushmore Loan Management effective XX/XX/2018. We were notified of this well in advance to pay Rushmore on the effective date. We set them up as a new bill on Bill Payer through our bank and made our first payment on the due date of XX/XX/18. With no problem of making the first payment, we scheduled our XXXX and XXXX payments in the same manner. Our XXXX payment was made through Bill Payer on XX/XX/18 and our XXXX payment was made on XX/XX/18. At the end of XXXX, after we had already made XXXX 's payment, we received a statement from Rushmore showing that we owed 2 months of payments ( XXXX & XXXXy ). I called Rushmore as soon as I received the statement and gave them all of the information for both XXXX and XXXX 's payments to include the confirmation numbers that Bill Payer provides. My husband and I have talked to Rushmore no less than 1 time every week to try to resolve this issue but have had no such luck. We have 3 way called them with our bank and Bill Payer several times and none of the representatives we have talked to have been able to do anything other than take a payment over the phone. Bill payer has faxed them over proof of payments, my bank has faxed them over proof of payment but again to no avail. We call 2 days after the faxes are sent and the representative tells us that they never received the paperwork. When we call, we are told that the information needs to go to the Texas office and then when we call back to follow up, they tell us that it should've been sent to the California office. Since all of this has been happening, I put together a packet of proofs of payments, copies of their statements, copies of the notes where we have talked to each representative as well as our bank statements for XXXX, XXXX and XXXX. I was smart enough to mail this packet via certified mail so I know they received it 2 weeks ago. They still can't find our payments! We have asked multiple times to speak to a supervisor or manager and are told that none are available. I finally was able to get put into a managers voicemail but after 3 weeks I have yet to get a return phone call. We have also received foreclosure paperwork ( more how to avoid foreclosure ) and tried to get in contact with the person listed on that paperwork also. Again, I called and left a voicemail and after 2 weeks have yet to receive a return phone call. I don't know what else to do and I refuse to continue to give them money when they lose it. We have placed our XXXX payment into a separate account to secure the funds so when this matter is resolved we can make any and all necessary payments. 

Please help since the mortgage company does not want to.
I received an " offer '' from a company ( I forget if it was a direct call, or web ad, or mailer ) that offered to setup a payment plan to repay my student loans. The company stated that after paying a minimum balance, based off of my income, after 8 years the rest of the student loan would be forgiven, as part of a student loan forgiveness program with the US Government. 

Opting for this, I setup a monthly payment with XXXX XXXX XXXX XXXX XXXX, speaking with XXXX XXXX, to pay {$46.00} a month. I signed a contract and sent a VOID check to take money directly from a bank account. Every month I received an email stating that these transactions had been made and that things were going well. For four years they collected payments from me monthly. 

After receiving a call about my student loans that no payments had been made, I began to look into XXXX XXXX XXXX. I couldn't reach any of their phone numbers nor emails as they had all been disconnected. They had taken my monthly payments and no payments had been made to my {$30000.00} in student loans.
I filed for forbearance through American Education Services over two months ago due to financial difficulties in paying my loans. They have never ruled on whether or not I am due a forbearance, but they are continuing to state that my loans are overdue and that I am at risk for collections. When filing for forbearance, you are told that you will find out within a week whether or not you are eligible, and I am unable to pay for the loans. In not responding, AES is in breach of contract and I am considering seeking legal counsel due to their negligence to perform their stated duties.
I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.
National XXXX keeps calling and leaving messages. I spoke with their President at one time months ago and he promised to remove my number, but they called again several times lately. 
This is the XXXX time I have had to write you a letter. This is a copy of the letter I sent today. 

You keep calling my office number and leaving a message for a ( sounds like ) XXXX XXXX ... YOU MIST TAKE MY NUMBER OFF YOUR LIST. Months ago, I had to go all the way to the head person. He promised to take my name and number off the list. If I have to do this again, I will file a complaint and make sure I gather all my emails and call info. The harassing messages are coming from a XXXX call center -- - number XXXX XXXX. 

Besides, I understand it is not legal to leave a message about a debt anyway! 
DO NOT CALL my numbers again!
In 2009, I was working in the XXXX XXXX. I did not open an account with HSBC. However someone who had my information did secure an account. I have trying for years to get this blemish removed from my credit file. I demand that the credit card company provide legitimate proof of ownership. I never signed any application. 
Accounts were opened online in my name and I have tried repeatedly to clear the matter. HSBC has not been cooperative and has not provided any substantiation to keep this on my clean record.
This complaint is an amended version of complaint # XXXX. I made this complaint without my notes, and I incorrectly represented that XXXX told me that HAMP did not apply because Key Bank did not accept TARP. That is what my housing counselor told me months ago ( and when I found out that Key Bank did accept TARP, drinking deeply of the TARP chalice and for a long period of time, I thought a complaint was therefore appropriate. ). What XXXX said in our XX/XX/2016 teleconference was that HAMP did not apply because the loan was a HELOC ( Home Equity Line of Credit ). As it turns out, this was also a misrepresentation that could be highly injurious to the estate, as I will explain. I have discovered other facts that indicate that Key Bank injuriously misrepresented the applicability of HAMP, a violation of New York State GBL 349, 350, and might be deemed " unfair, '' based on the three-part test used as a standard of law, for 15 U.S.C. 45 ( a ). I spoke with " XXXX '' in Key Bank 's Collections Department on XX/XX/2016. After consulting with someone ( putting me on hold ), she returned to the phone to tell me that the reason Key Bank did not accept HAMP was 1 ) the loan, a first-lien home equity loan, was not " government-backed '' and 2 ) the loan is a HELOC. After some questioning and explanation from me ( The loan is not, for example, an FHA or SBA loan, which is " government-backed '' or guaranteed, but I asked her to clarify if she meant that HAMP did not apply because the loan was not government or XXXX or XXXX-owned or that the loan was non-conforming. Once I explained the distinction, she was more precise and said that the loan was not government-owned. I then spoke to the Help Team at the U.S. Treasury 's Make Home Affordable program that sponsors HAMP for clarification. After putting me on hold ( probably talking to the supervisor, XXXX ), they clarified that banks that accepted TARP funds are not required to participate in the Make Home Affordable program ( and Key Bank does not participate ) and that a first-lien home equity loan, with principal repayments, as this originally HELOC loan is now and was at the time of default does qualify for HAMP. 

What this means is that, although Key Bank is not required to offer HAMP, XXXX erroneous reason that because the loan was originally a HELOC, it did not qualify for HAMP, is wrong. Two and a half months have been lost to me in which we could have had a participating HAMP lender refinance the loan or Key Bank could have sold the loan to XXXX or XXXX, who have comparable programs. Since Key Bank has sent an acceleration letter, their intent is to foreclose, and because of its misrepresentation, the borrower may not have time to take advantage of HAMP, which expires on XX/XX/2016.
I had a forbearance agreement with XXXX mortgage. my loan transferred to penny mac and they said they never received the agreement, XXXX mortgage sent all the forbearance agreement paperwork to penny mac. When I called penny mac they said there was no agreement and i had to pay the total past due or do a short sale. They never honored the agreement or applied the money i paid for the forbearance to the loan. I tried resolving this problem with penny mac before i did a deed and leau and after with no success. Every time there is new information brought to there attention they just change what they were saying. XXXX mortgage proved to them in a cfpb case that I had a good agreement and penny mac stated that i maid no mention of the forbearance agreement in my deed in leau request. I told XXXX XXXX about in on the phone and in my application process. penny mac chose to ignore the agreement in XX/XX/XXXX and in XX/XX/XXXX. My credit report shows i made no payment to them and i owe XXXX and past due XXXX. I could never make a payment because penny mac would n't accept any payment unless i would bring the account current in XX/XX/XXXX which was impossible because i paid XXXX and XXXX in the forbearance agreement to XXXX mortgage. my only option was a short sale which was unacceptable to me because it was there mistake or predatory lending practices. I have sense received a letter from penny mac saying my loan is paid in full and it 's stamped on my deed. yet my report still shows the mortgage as open and I owe money. Penny mac has cause a lot of turmoil for my young children myself and caused a divorce from financial stress due to bad credit. and still does I was also lied to during the deed in leau process by XXXX XXXX. He stated my loan would be reported as paid in full and a deed in leau would n't affect my credit like a foreclosure, and I 'd be able to buy a house much sooner than a foreclosure which were all lies.
National Collegiate Trust has sold a student loan ( s ) in my name and has not notified me. Prior to being sold National Collegiate Trust would not work with me on a reasonable and affordable repayment plan and on 3 occasions, rejected my offer of payment due to the amount being too low. This organization is unethical and needs to be investigated.
I am writing this hoping you can do something to keep a retired widow in her home. I was initially given a loan with Wells Fargo with too high of an interest rate, leaving me with a monthly payment that is impossible to afford. I am on a fixed income. 
When my husband passed away I contacted Wells Fargo about the monthly payment. They gave me a list of documents to provide them, which would always get lost, or would never be processed. This cycle happened over and over again, while I continued to get behind. When I called for help I would be transferred from one department to another and couldnt get even the simplest questions answered. 
The only help Ive been offered at this point is the advice I should leave my house and let them repossess it! Where would I go?
I have over 23 inquiries on my account that I did not authorized nor do they belong to me. I have contacted this company over 10 times as well as sent a fax for removal and they have failed to do so.