WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I 'm having a problem resolving loan payments to Great Lakes Educational Loan Services Inc. As of XXXX of this year, I had spoken with a representative grom Great Lakes in order to reduce my monthy payments. I am out of the country XXXX XXXX XXXX in XXXX and my income has been cut severely then what I make back home in Florida. I spoke with a representative I believe on XX/XX/XXXX or maybe the last week of XXXX right before I departed in order to make a financial agreement to at least pay something on my loans. To my knowledge and my bank statements from XXXX to XXXX, we had agreed on a {$20.00} payment covering both my loans until XXXX when I return. On XX/XX/XXXX the payments were correctly deducted and likewise on XX/XX/XXXX. As of XX/XX/XXXX, I noticed a {$250.00} deduction from my checking account from Great Lakes therefore, putting my bank account in an overdrawn state. I was then charged an additional {$35.00} a day until I could conveniently contact my friend in Florida to deposit a significant amount of money in my account. I have filed a complaint with the loan service as they have told me the only thing that I can do is fill out a income-driven repayment plan application. In doing so, the only result I get back from their website is for a forbearance plan in which case my account already states I am in until XX/XX/XXXX. This is where my confusion sets in. If I am already in forbearance yet still making {$20.00} payments it seems a little hypocritical to me. I have no problem making the {$20.00} a month payments which we had agreed upon before I left but, why the {$250.00} deduction? I have limited access to contacting the company unfortunately as my phone was shut off before arrival in XXXX, XXXX. The Great Lakes Ombudsman office has transferred my complaint to XXXX and I have not gotten an email back in 3 days. I am contacting your bureau in relief that I will be reimbursed my lost funds due to either negligence from Great Lakes or misinformation given to myself from them. I have pictures of bank statements online showing the {$20.00} deductions from XXXX and XXXX on top of the {$250.00} deduction from XX/XX/XXXX ( with the additional {$70.00} in overdraft fees ).
Chase has refused to provide documentation showing they had rights to service or collect on my home loan. I have requested copies of the Limited Power of Attorney given by the Federal Deposit Insurance Corporation giving them receivership rights to service my loan from Washington Mutual Bank as they have previously stated..
I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to XXXX but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
On XX/XX/2018, my XXXX XXXX XXXX was repossessed. Designer sunglasses and diamond tennis bracelet were left in the car. This was reported to Ally on XX/XX/2018. I signed the property release and wrote I signed without the benefit of verifying what the vendor, XXXX XXXX had written. The car was locked when repossessed and left unlocked on vendor property overnight. I was told to bring the key or pay {$350.00} to get into the car. The vendor would not let me in the car without first signing. Ally employees gave me the runaround. I filed a police report. The police noted multiple problems with this vendor. Was told by XXXX XXXX that vendor who repossessed the vehicle would have to replace the items. The vendor altered the document when requested from Ally removing the handwritten notation. XXXX XXXX repeatedly said she did not like how the vendor treated me, that they should not have altered the document, they will have to replace the items. After I provided pictures and cost of items an offer of {$500.00} was made and then increased to {$1400.00}. The sunglasses cost {$380.00}, bracelet {$24000.00}. I never received a notice of repossession, never received notice informing me where the vehicle was to be sold or the minimum acceptable price to reclaim the vehicle, never received notice of when the vehicle was sold or the deficiency balance. XXXX XXXX, Ally employee took over from XXXX XXXX. No resolution. XXXX XXXX took over no resolution. I addressed two letters to the CEO XXXX XXXX, with the letters being passed off to XXXX XXXX and XXXX XXXX. The attached letters to the CEO provide a very detailed time line. Spoke with XXXX XXXX on XX/XX/2018, with her promising an update by XX/XX/2018. She called XX/XX/2018.
I contacted the XXXX  o Wakefield & Associates and they agreed to remove the debt from my credit reports and close the accounts they have with my name and XXXX XXXX XXXX. XXXX  said they continued to certify that the debt should remain. That is a lie. XXXX never verified the debt.
Debt collection agency hired by XXXX XXXX XXXX for services rendered on XX/XX/XXXX. I called XXXX and requested a copy of the itemized bill in XXXX and did not receive it. I did not get a call, or any additional information until XX/XX/XXXX from Optimum Outcomes XXXX XXXX XXXX, Set XXXX XXXX, NC XXXX XXXX Collection Agency. I then called our XXXX XXXX who sent over the samples to be tested, and they stated that XXXX claims they sent the itemized bill. My concern is how does this agency not validate a debt before posting on our credit report as required by the F.D.C.P.A. The bill has been paid in full, on XX/XX/XXXX, the damage the credit report was done, and they do not want to take any responsibility for not following up on our request for itemized bill.
To who m it may concerns, I have  XXXX  public judgments on my credit report that have been satisfied and release but Experian h as refused to remove them from my credit report.   I have called them in vain. I have also disputed these  XXXX  public judgments in vain. I have provided all documents and it is still not removed. These  XXXX  judgments have also been on my credit report for more than 7 years showing release and satisfied but still not removed from my credit report.   Here are the reference #  XXXX  and reference #  XXXX .     There are also others collection accounts collection that have been satisfied with a  XXXX  balance that are just sitting there and not being deleted. Some of them were even deleted before and added back. I can not get any help from Experian and this is now affecting me financially.
I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA 605B which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all XXXX credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!
I have a Sam 's Club credit account which is delinquent and was recently sold to a third party collection agency - XXXX XXXX. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XXXX 2017. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XXXX XXXX, 2017, I accepted a call from the restricted line to inquire who was actually calling. XXXX XXXX informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XXXX XXXX, 2017 at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.
I opened at Target Red Card ( Credit ) online at the suggestion of the website that I could use the card immediately on a difficult to find toy that quickly goes out of stock. I applied, was approved and was told to click a link to use my card right away. I followed the instructions and was directed back to Target 's shopping website, and found that I was not able to use the card for purchases. I called their credit card assistance line and explained the issue to a customer representative who did n't seem to speak or understand English proficiently. He suggested I use another form of payment. I explained that I would not have opened the card if I wanted to do that. He asked if he could put me on hold to assist me after explaining the issue several times. After being on hold for about 15 minutes, the phone was picked up by who I believed to be the same man. He then proceeded to tell me he did n't know who I was and act like he had n't talked to me saying he needed to transfer me and I had to start all over. He then transferred me to the same automated line that I used to call him initially, even after my request to speak to the person who placed me on hold. I again followed the prompts for the automated line and this time spoke to a woman who seemed to understand me even less, I explained the problem several times and felt like she did n't understand. She also recommended that I use a different form of payment. I was told to call back tomorrow after I 'd been on the phone for over an hour. The item was out of stock again by the time I hung up. I received an email saying I was approved and could use the card in 7-10 days after it came in the mail. I then tried to speak to two more representatives in the online ordering department who denied that they could assist me in charging the item to the new account and also urged me to use a different form of payment. I was told that I had to keep checking on line for the item to come back in stock then call to use the card at a later time.
On XXXX XXXX XXXX, Experian charged {$190.00} on my XXXX ending in XXXX. I did not agree to the Subscription service so the charge was never completed. Experian has a hold on my XXXX XXXX for {$190.00}. 
Experian is refusing to resolve the issue. I talked to supervisor XXXX and Supervisor XXXX. XXXX. They have had the hold on my account for 5 days! The Merchant Transaction number is : XXXX. I did not authorize the charge to my account and the account with Experian was never created! I contacted XXXX XXXX XXXX and was told that XXXX XXXX XXXX can not stop the transaction. XXXX XXXX XXXX refused to assist to resolve the matter! XXXX refused to contact Experian and Experian refused to contact XXXX XXXX XXXX. Experian says they never charged me! XXXX XXXX XXXX says Experian did charge me and has placed a hold on {$190.00} and denying me access to my funds as a result. I want the Federal to sanction Experian for this illegal conduct. The phone calls were recorded so you have all the evidence you need to take regulatory action on this matter. I talked to XXXX at XXXX XXXX XXXX and the Supervisor at XXXX XXXX XXXX was someone named XXXX. The time of the call was between XXXX XXXX and XXXX for your investigators. This is illegal and violates Federal regulations.
this was solved and closed back in 2013 this was solved and paid for. this was already solved correctly. back in 2013 iphone 5 was stolen and old account was paid for fully was solved and closed.
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Received a surprise letter from CMRE XXXX stating that some one failed to bill my  insurance XXXX months ago and cannot go back.I have no other information or verification  on this company.The collection company is not ready to listen and is pressuring me to pay  and threatening to ruin my credit.
Requested information about the debt from debt collection company and Transunion Received letter dated XX/XX/XXXX Debt collection " confirmed '' and remains on credit for debt owed to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Balance {$130.00} ( attached ) Requested for TransUnion to reinvestigate the debt. 

Received letter dated XX/XX/XXXX stating the investigation of the dispute is complete and has been confirmed. 

This is NOT my debt. I have never banked with XXXX XXXX XXXX. I am requesting that this debt be removed completely from all my credit reports and any other documents which may include this false information.
XXXX is claiming I owe them {$470.00} for early termination of contract. I had a two-year contract with them from XXXX - XXXX. After that I was on a month-to-month plan and I had to relocate because my landlord moved back in their house at XXXX, VA XXXX. When I contacted XXXX to inform them that I was relocating and wanted to transfer my services to XXXX ( XXXX, VA XXXX ) they informed me that they only had telephone service in that area at that time. Since I needed a total package ( phone, internet and cable ), I left XXXX and went with XXXX. XXXX then told me that I would have to pay an early termination fee if I did not take their phone service with me. XXXX alleged that I was back in a contract because they gave me a {$200.00} Gift Card which is not true. The only {$200.00} Gift Card I received from XXXX was back in XXXX for the 2-year contract. I did not receive anything after that from XXXX. I have tried on numerous occasions to resolve this issue with XXXX with no success. I also filed a dispute with the credit consumer reporting agencies with no success. This issue is adversely affecting my credit report. Any assistance you can provide will be greatly appreciated. 

XXXX
I had a horrible experience with Discover Card. I have been with Discover Card for almost 20 years. Have never been late with a payment. I had a scammer put several hundred dollars worth of expense on my card. I called Discover Card for some help. Again, Discover Card did not have my back. This has happened before and Discover Card did not help me. I sent in two online payments like I normally do and twice the payments went through online but Discover Card told me that they did not accept the payments. {$750.00} worth of payments did not get accepted by Discover Card. When I called Discover Card they told me that I have now gone to 'Collections ''. Even though I sent in my payments online and online I was told that the payment went through, Discover Card told me that they did not accept the payments in a phone call that I made to Discover Card. I then asked for a payoff balance and told them to give me the exact amount as I did not want to receive another bill from them later saying that I still owed money to them. I was given the amount of my account which was in the {$9000.00} range. I immediately sent in the payment online and the payment was accepted online. I now just received a bill from Discover Card saying that I still owe {$110.00} interest payment. I payed the amount given immediately after it was given. Why do I still owe interest? Discover Card has been stealing money from me for years and they liked it so much that they do not want the ride to end. Please check into this as I intend to continue to complain until something gets done to help me look into how Discover Card has been ripping me off for years.
I currently have an income based repayment plan with Fedloan servicing. This information is required to be updated annually. The organization only provides a notification via their portal and does not contact me via phone or email ( have both because they verify every time I call ). The IBR status expires and I only find out when the next payment is due. I then have to submit the paper work and request forbearance to give them time to review. This occurred in 2016 and literally took up to 4 months for them to resolve.
XXXX XXXX was closed do to fraud. I was able to receive a debt discharge for my student loans based upon their actions. I now have a 3rd party collection company trying to collect on this discharged debt. They are also currently reporting late payments on my credit report.
Opened an account with CitiBank on XX/XX/2016 and deposited {$50000.00}. Per the attached brochure I was supposed to receive a {$400.00} bonus on XX/XX/XXXX. As of XX/XX/XXXX have not received that bonus. Spoke to XXXX ( a supervisor in Customer Service in Texas ) and she indicated that the matter has been referred for investigation which can take another 10 days. She also indicated that when I receive my bonus that they will not provide back-dated interest. If the Bank makes an error then they should make me whole by providing interest for the lost use of funds.
In XX/XX/XXXX I received a federal guaranteed student loan from XXXX to attend XXXX University. After in XX/XX/XXXX I graduated with {$32000.00} in debt at 9 % interest. Payed the payments on time until XX/XX/XXXX. When my wife and I consolidated our loans into a XXXX smart loan for {$39000.00}. The payments were made on time until I started my XXXX in XX/XX/XXXX. I Had to travel and pay for everything at home. I contacted XXXX and ask for help. The only thing they offered was to put the loan in forbearance for 8 months. I had to do this 3 more times with no other suggestions or help from them. From XX/XX/XXXX we payed our high payments for 3 years. In XX/XX/XXXX we were offered a better interest rate of 8.25 % from XXXX if we switch and have them service our loan for XXXX. I switch thinking it would be better the balance was {$61.00} and XXXX started servicing the loan. It has not gotten any better we currently still owe {$57000.00}. The payments are current and we pay close to {$600.00}. a month. I have payed on this loan for 21 years and have the principal has already been payed off. I am getting no where and need your help! ACS is no help either they only offer income based repayments that only put us further behind and we do not qualify for their programs.
The company is XXXX XXXX  XXXX XXXX and they are sueing for XXXX for an apartment that was not 100 % satisfactory apon move in than the complex refused to fix problems just weeks after moving in and gave a notice to vacate and refused to take rent so I moved out took pictures and kept all correspondence via email and letter. I returned the key they oved someone else in within week afer I left and now they are attempting to sue me for fees. No damages or any other issues just fees.I have recored conversations and pictures as well as proof the complex never sent me by ceritied mail a letter for any delays in repairs as they should have if they could not do the necessary repairs in a timely manner.
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand Diversied Consultant Open date XX/XX/XXXX.
After checking my credit report I noticed that a debt from ARS was placed on my credit. I then proceeded to see if they were licensed in the State of Texas to collect on a debt. As I check the website with the name of the company and address on my report. I searched and it gave me no results. On XX/XX/XXXX I mailed a certified debt validation letter to ARS. I tracked the letter which was received on XX/XX/XXXX. In the letter I advised that they had 30 days to respond to the letter. I gave them a couple of days later to send me the info back. Today is XX/XX/XXXX and I still have n't received anything from the company.
I locked my Equifax report via XXXX a while ago per the Equifax hack ... I recently began applying for mortgages, and was told by my brokers that I need to unlock my Equifax report to proceed ... I submitted an unlock request on the XXXX website, which states they try to do it in real-time, but gave me a message that it would take 48 hours. It has been over 48 hours, and I was hoping to get my mortgage approval in time to make an offer on a property, but the banks need the Equifax report to complete the process. 

I called Equifax, they said that the XXXX is a third party and I had to contact them to unlock. They essentially claimed they have no power to unlock their own credit reports, and shifted responsibility to XXXX  and said they are not affiliated with them, which is an obvious lie. 

I called XXXX, they said they do not know why it's taking so long, and submitted a service request that will take up to 5-7 days ... the property I'm looking to offer on will likely be sold in that time. The call with them ended with " thank you for calling Equifax ''. So they are affiliated after all. 

XXXX  was offered for free because of the Equifax hack that put their customers at risk, and Equifax continues to treat its customers as products ( products they can't even exert control over its seems ).  Why the government allows this incompetent firm to continue extracting rents from American consumers is beyond me. This company makes the DMV and the Post Office look like well tuned operations. 

Warning to all, do not use XXXX  and avoid any and all services from Equifax where possible, as they can not do the simplest of tasks and do not care about you ( the product ).
Solomon and Solomon pc account paid and closed as of XX/XX/2017. Asked for a letter of closure never recieved it. It is still showing up in my credit report as a collection debt, negative reporting. They have not yet taken it down or sent me a letter that the account is paid in full and closed. Need to take action to take it down, they are refusing to take action. This is causing conflict in employment and carrer advancement along with rental and credit history.
I requested verification of debt owed on XXXX XXXX, 2014 from XXXX , XXXX via certified USPS letter which was signed for and accepted on XXXX XXXX. 

XXXX , XXXX did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving a XXXX XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009