WillisBack/dataset-financial-user-claim huggingface dataset:
I called and asked for my loans to be deferred XX/XX/XXXX due to having a baby. They never put them to deferment. XX/XX/XXXX I went back school at XXXX College. Did not defer my loans due to being back enrolled in school. I was in school until XX/XX/XXXX. I called again in XXXX of XXXX because I was working less due to being 7 months XXXX. In XX/XX/XXXX I again asked for a defer in XXXX of XXXX due to XXXX XXXX to my XXXX baby. I then applied for Borrower Defense in XXXX of XXXX. My loan were not placed to be deferred so they sent me to collections. In XX/XX/XXXX my tax refund was taken by the DOE. They took {$9300.00} from me and my XXXX children. I applied for a hardship. I talked to multiple people about what I would need. They explained I would need to fill out the application and send in an legal eviction notice with what I owed and that was it. I did so. They first tried to say it wasn't legal and the amount owed was not on there. I made it clear that they were wrong about that and the women said oh well you didn't send your lease agreement. I explained that I was not told to send that in. Also it stated on the application if I could not get an eviction notice I would then need to send in my lease agreement and all she would say to me was not it is too late. Included is the application I was sent
I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with XXXX. After speaking with XXXX, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.
I have both federal and non-federal student loans with Navient. They have taken triple the amount out of my direct deposit account than I signed up for multiple times.
Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment.
American Education Services defaulted my XXXX private school loan after speaking to several different representatives about a forbearance. The process was to file a forbearance letter, XXXX from the previous year, and self certifying letter insisting that I was actively searching for a job. Since, all the job agencies were not within driving distance. A self certifying letter was viable. I provided all XXXX several times. EVERY SINGLE TIME a representative said they left a note in the system on the account. That the loan would not be defaulted while the forbearance was being processed. But every single time getting a denial letter because papers were not getting processed on time or a miscommunication by AES. My last attempt being a few weeks ago, while my delinquency continued to increase due to the long drawn out process. Over three months later, the process still did not conclude with a forbearance issued. The last representative ( XXXX ) I spoke to in early XXXX said they received every single form, but it would take 7-10 days to process. Also, that she would leave a note saying there would be no default. On XXXX XXXX, they defaulted the loan anyways because they said even though everything was processed, it was too late. The representative I spoke to gave me a number to the guarantor, XXXX, and told me to take it up with them. I immediately asked to speak with a supervisor ( XXXX ), so I could inform her that I would be filing a complaint with the bureau of consumer financial protection. The supervisor looked back into the account for notes. She said there NOT A SINGLE NOTE was posted to my account about delaying the default and that all the representatives gave me wrong information. Instead of finding a solution to the problem ; she gave me nothing. Told me she could n't do nothing and that she will email the other supervisor about employee misconduct. That 's it while completely ignoring the fact that they had defaulted my loan. American Education Services is by far the worst loan servicing system that I have dealt with. The mistrust, misinformation and improper tactics they use did not help me in my time of need. Ruining my credit as a kicker is even worst with no possible solution provided.
My CFPB complaint ID ( XXXX ) status was closed today ( XX/XX/2018 ) and I received an email about that.

You guys said, " The status was marked as a duplicate complaint on XX/XX/2018. This complaint appears to be a duplicate ( Previous CFPB complaint ID # XXXX.to EQUIFAX ) of a complaint we've already received. We've included a reference to this complaint on that record. '' I don't know if you guys read my attachment file correctly, but I don't think it was supposed to be duplicated. I'll attach documents one more time. Please carefully read my attachment from XXXX XXXX  this time.

I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter ( Ref ; Attachment ) from XXXX XXXX on XX/XX/2018. They said, " In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your Ally auto account to reflect it as Paid in Full. '' But after 30 days I looked at the credit reports for each agency and found out that they were still not yet correct.

Thank you!
On XXXX XXXX, XXXX purchased a sofa recliner on line from XXXX XXXX XXXX using my credit card with XXXX XXXX. The terms of the purchase were misleading. The website was not clear on payment terms if you were making the purchase using a XXXX card or using another method of payment. The end result is that I am being assessed a {$280.00} monthly payment instead of {$50.00}. I spoke to representatives at XXXX XXXX  and XXXX and could not receive any assistance. I can not afford such a high monthly payment and would not had fall victim to XXXX deceptive advertising.
We applied for a loan modification in XXXX 2015 and we were denied in XXXX 2015 for insufficient income. A reduction in the principle was not considered which would have qualified us with the income that was submitted. Home was foreclosed in XXXX 2015 and an income increase was submitted also in XXXX 2015.
I took out {$2000.00} Loan on XX/XX/XXXX as installments loan with a annual percentage rate of XXXX.the they added insurance of all kind including unemployment know that Iam fully employed and covered by my employers and it seem like they was selling insurance not Loan products.I have paid 12 months payments and still the originally amount is still {$1900.00} as of today date XX/XX/XXXX.the manager claimed that she refunded over {$290.00} of the insurance money subtracted from the principle but it is still $ XXXX.every time I pay money should go toward the principle and interest.they are very deceptive to me.they claim because I have been paying late.
Today I logged on to see my student loan account online on Nelnet. I have been mailing my monthly payments for the amount requested on my account statement I get every month from Nelnet.

Nelnet has been the new loan service provider since early this year ( XX/XX/XXXX or XX/XX/2018 ). I was shocked to see that since XX/XX/2018 until today ( XX/XX/2018 ) 100 % of my monthly payments have been applied to interest only - and per Nelnet Customer service this will continue every month. I understand that usually a large portion of the monthly payment goes to interest ( even though I've been paying these students loans for over 10 years now and the original principal is greater because some interest have been capitalized ) but the payment history shows since Nelnet took over my student loan, Nelnet has not been applying ANYTHING against the principal.

I called Nelnet today XX/XX/18 and was informed that payments are being applied according to my payment plan. How did Nelnet decide that? Again, Nelnet took over my student loan ( without my consent, I never signed anything with Nelnet ) and apparently has started to apply the payments differently than the previous company that had my loan. The company that serviced my student loan before Nelnet did apply a portion of my monthly payment to the principal. How can I ever finish paying my student loans if my payments are applied to interest only. Again, the amount I'm paying is what Nelnet is asking me to pay.
I am receiving multiple phone calls a day from Synchrony bank. They are using a couple of different phone numbers : XXXX, XXXX, XXXX, XXXX, and XXXX. Some of these calls are coming only minutes apart, others are coming almost every hour. Here are a few examples. On XXXX/XXXX/16 I received calls at : XXXX. On XXXX I received calls at : XXXX. This morning I received two calls almost back to back at XXXX. and XXXX I have spoken to them regarding the debt and trying to work out an arrangement, but they are not very willing to work with me and my situation at the moment. I have asked them to stop the repeated calls and the calls keep coming.
Received an offer on my XXXXMiles Member account to receive XXXX bonus miles after {$1000.00} purchase if I obtained a XXXX XXXX XXXX. When the card arrived in the mail the paperwork indicated I would only receive XXXX miles. I called customer service, they opened a case and said they did not know of any XXXX miles offer. The following day I received the same offer for XXXX in the mail. I emailed the retention area the copies and have been getting the run around for two weeks. I never activated the card as I had no intention of keeping it if this was a scam. I called today and requested they close the account as I did not wish to pay the annual fee which was billed to me. The paymentioned was due and I was not paying the if I was n't keeping the card.
I have XXXX Fedloans that became delinquent and reported on my credit XXXX and XXXX days late in XX/XX/XXXX and XX/XX/2015, I was then granted a forebearance for a date before the delinquency through the date of delinquency on XX/XX/2015. When I checked my credit reports from the XXXX credit reporting agencies, I noticed that those delinquencies had not been updated per the forebearance, as stated by law, any new information must be updated by the furnisher. I first contacted Fedloan and asked them to remove the delinquencies as the granted me a forebearance for a date prior to the reported deliqencies through the date of the delinquencies, and they did not update the information, then I disputed the delinquencies All XXXX credit bureaus showing proof of the forebearance and they did not update my information or make the fedloans properly respond to my dispute and is still reporting the information that is incorrect on my credit report
1. Lender has grossly mismanaged escrow account. Home was sold in a tax sale on XXXX occasions with most recent tax sale XXXX XXXX, XXXX whereas I had to pay the attorney fee of {$860.00} so that the lender could be permitted to pay the Maryland XXXX XXXX taxes which can not be paid until the attorney fee is paid which is why I paid the {$860.00}. 
2. Lender since XXXX, has failed to provide any yearly accounting for escrow account/disbursements nor has the lender provided monthly statements. 
3. Lender has failed to accurately provide XXXX statements reflecting correct interest paid during a particular year. 
4. Lender has failed to reflect accurate mortgage balances because I receive no monthly statements.
I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXXI received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XX/XX/XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent onXX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!
Hi, and Good Evening! Listen, i was going through my credit again and noticed a collection from XXXX. Looking closely at this account the way it's reporting, i've seen several and multiple innacuracies with the way it's reporting to all the 3 credit bureaus ; such as : wrong reporting date, open date, date of last activity etc. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please  evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f  ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
I have disputed these accounts with Fox Collection Center ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. This company is reporting terms on my credit reports and I have never entered into any contract with them. Additionally, consumer law states that collection agencies may not report terms on my report unless I have indeed entered in a contract with them. I have never heard of this company. These erroneous, inaccurate, unverifiable accounts must be removed from my reports immediately.
My loan payments were always sent on time. I keep explaining this to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX
After the Equifax data breech, I submitted a credit freeze request for my XXXX children 's accounts with all of the required information to the 3 major credit bureaus. This request was mailed on XX/XX/XXXX. Both XXXX and XXXX confirmed receipt of the information and subsequently placed a freeze on my XXXX children 's accounts. Not surprisingly, Equifax claims that they have n't received any information. Hence, not only did Equifax compromise my personal data, they have lost and comprised my XXXX minor children 's birth certificates, social security numbers and my driver 's license information. This company is literally giving away American 's  personal information. I feel violated and betrayed.
discover card has been reporting me to the credit reporting agencies while i have been paying them as i agreed since XXXX of XXXX this company also reported to the credit reporting agencies as charge off while i am paying them and also the balance they reported not reflect what the balance i won.
This company, Allied Interstate continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with Allied interstate, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XXXX XXXX 2015. On XX/XX/2015, They called me XXXX before XXXX. At approximately noon on the XXXX of XXXX 2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. Allied Interstate has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.
I 'm concerned at how a company is allowed to place items on a consumer report without providing any validate what so ever. On XX/XX/XXXX I submitted for this to be investigated and of course, Midland using all their illegal tactics, was able to get it closed through CFPB. Since then the accounts that they can not verify as being mine has been removed, placed back on file, closed, reopened several times, which has totally destroyed my credit.
My concern is how are they able to continue these actions and the CFPB protects them?
At this time I have yet to receive a validation of any of the 3 accounts they are claiming to be mine. I started this in XX/XX/XXXX, and the CFPB has done nothing at all. 
This company can not provide a validation as to they do n't have any agreement with me at all. My last credit check also reported these accounts in collections and a month prior all 3 reported closed. This action is purposely damaging my credit file.
This company has multiple discrepancies they have place on my credit file.
This will result in lawsuit as I have been monitoring and documenting all the activities that they have been doing with my credit file.
Experian is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Experian and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XXXX/XXXX/XX/XX/XXXX. XXXX Mortgage XXXX/XXXX/XX/XX/XXXX. XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXXXXXX. XXXX XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX.
I 've disputed a purchase in the amount of XXXX from XXXX made on or around XXXX XXXX 2017, the item was not enclosed in the box and XXXX will not refund. They provided false/inaccurate information in their reply to dispute such as shipping address to XXXX, NY, delivered to a XXXX XXXX. The order date is from XX/XX/XXXX, a month BEFORE I placed actual order. They reference a XXXX watch sent as a replacement, a XXXX watch was actually ordered. I understand the bank, Continental Finance, is unable to verify such order information as item ordered and what brand. However, they are aware of correct billing and shipping address as well as my correct legal name, it is not XXXX XXXX nor do I live in XXXX, NY. Lastly, the order date is XX/XX/XXXX not in XX/XX/XXXX as their reply shows.. XXXX is known to either send empty watch boxes or defective items, they have numerous complaints against them. I sent in a rebuttal response which was not received in time as I did not receive initial reply soon enough to reply in re. I attempted to speak with a XXXX XXXX, left a message for her and was returned by a gentleman stating same information as was told by dispute dept. I was told again that they did not receive information in time for XXXX, there is only a certain amount of time to respond. Again, I did not receive information in time as the initial mailing was lost in the mail, never received. I was told to send in rebuttal reply anyway, then was denied any credit. I told the gentleman, whom I do not have the name of, that payments will cease until resolution is made in form of a credit in the amount of XXXX plus interest charges. The last payment made on or around XXXX XXXX, 2017,  will be last payment until resolution is made which I stated before.
I receive paper statements from Capital One. Their statements say " payment received by due date or a late fee ''. Several times already, I have been charged a late fee even though I made payment on their website on the due date. Every time I contact them, they say it was charged because I did n't make the payment by a certain time on that day for it to post quickly. Even though the authorization shows it was made that day. No where on their paper statement does it say it has to be by a certain time on the due date. once again today I am contacting capital one about late fees on XXXX statements and I 'm getting the same run-around again. They are only willing to waive XXXX of the late fees. My point in the past is if I had mailed a check/money order dated or post-marked the due date, it would be accepted but my making a online payment ( which is faster ), is not acceptable for that date unless its ' by a certain time. None of my other credit card companies do this. I dont ' mind late fees if my payment action is actually late, not on the due date. This I mind and getting tired of keeping track of something that I ca n't just pick up the statement and see it in writing.