WillisBack/dataset-financial-user-claim huggingface dataset:
I was reached out to by the United Student Loan Assistance Center on XXXX XXXX, XXXX. The company had told me that they would be able to consolidate all of my student loans and have a low monthly payment for a small cost of {$600.00}. However, I was not informed that this particular company was a third party company, nor that they were not a XXXX XXXX company to actually help me get where I needed to be. I was informed that this was the only way to consolidate all of my student loans to get out of debt. 

A few months later I was contacted by XXXX XXXX who have been nothing but amazing in helping me consolidate my loans with XXXX. Right now that is in the process of being handled correctly with no charge at all. 

When I tried to call the United Student Loan Assistance Center to ask them why they had charged me the fee of {$600.00} I was informed that it was to fill out the application for the loan consolidation. I then began to explain that consolidating Federal Student Loans was free the person I spoke with got defensive and provided slander against XXXX XXXX, which again have not asked me for a penny to consolidate my loans and the monthly payment will be based on what I can afford. 

The gentleman from United Student Loan Assistance Center began to say that XXXX XXXX just wants to get more money out of me, that XXXX XXXX are sales people and that is what they do, collect money from young people like myself who do n't know any better. Which then lead to the United Student Loan Assistance Center could give me a payment of {$0.00} a month to " pay off '' my student loans. I am still not understanding how I pay something off with a payment of {$0.00}
Per my recent credit report  XXXX  pulled a hard credit check on  XXXX / XXXX /   2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.
XXXX XXXX XXXX XXXX bought debt from a delinquent medical bill account that had been closed for years. They reported this bill in their name as delinquent so now it is showing up on my credit report twice. The original company, and their debt - which is the same debt. This caused my credit to plummet out of nowhere resulting in a chain of credit companies I'm actively using lowering my limit, thus effecting my credit more. I have been working for the past 5 years to bring my credit score up. XXXX XXXX has ruined this hard work. 

The claim that I owe them this money is absurd and should be illegal.
This account has been paid and suppose to be removed from my credit report. I continuely get letter saying I owe. I have tried multiple times to get this handled I get get nowhere. Finally credit bureau stayed it would be removed from my credit report. They removed but added it back on again. Please investigate. I contacted fair trade and they Re investigating too. I want this removed from all my credit reports. Thank you, XXXX XXXX
I have made my payments of {$670.00} on time or ahead of time, example on XXXX XXXX 2016 my payment due for XXXX XXXX was paid, Principal and Interest was paid. So I tried to be proactive so on XXXX XXXX I made my payment due for XXXX XXXX again Principal and Interest was paid. Now according to the receipt my next payment was due XXXX. This is where I have asked this Company to explain what happened with this payment. On XXXX I made my payment due XXXX ahead of time. When Sat down to review my payment tracking I noticed that my entire payment of {$670.00} was placed in Interest only and nothing to principal. I spoke with the manager and she gave me two versions as to what might have happened, one reason was a computer glitch and the other one was that they had paid to much to principal when the interest should have been more in the month of XXXX XXXX. 

No response from District Manager when I have left two phone call messages in mid XXXX and no response from the Home Office when I emailed a complaint late XXXX asking for some kind of explanation or understanding as to what happened here. My understanding is if my payments is a set amount of {$670.00} and I am paying ahead of time I do n't believe I should have any uncollected Interest or a whole payment going towards interest. I do n't know, that is why I asked them to give me an answer. Because it seems like If I 'm only paying interest ahead of principal I will never pay this loan off. Now on XXXX XXXX my payment due for XXXX XXXX was paid ahead of time and just like my other payment ( except XXXX ) principal and interest was paid. I do n't think I 'm asking for too much to know where my money is going. I have been waiting a month to hear from the home office and longer from the District manager. Never missed a payment, never late has the making of a responsible customer and this is has I get treated. To me when you avoid talking to me that 's a sign that something is not right. I have my receipts as evidence to help figure this out, like I said I 'm not a financial wizard, I may be wrong but I would feel better if I got a better explanation than the two that I got from the store manager. Thank you for your assistance in this matter.
It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete  all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
In XX/XX/2016 I was the victim of a data breach and someone opened accounts in my name with MobiLoans and XXXX XXXX XXXX. I have sent several letters to both companies and fraud affidavits with no luck. Mobiloans refuses to investigate even though a proper dispute was filed. They keep stating they need my dl, utility bill and a police report. As far as the Fair Credit Reporting Act I only need to provide a fraud affidavit which they have. Mobiloans says they will no longer correspond with me even though I sent a letter to dispute the debt on several occasions. 

Both of these companies are refusing to investigate or remove them from my credit report. ALso both of these companies are illegal to operate in the State of Texas. I have a letter from Mobiloans stating they will no longer address my correspondence as I have questioned the legality of their company.
I have been paying on two student loans serviced through Navient and have had issues concerning payment processing. I have been informed recently from one Representative that I was pass due on a Navient loan sense XX/XX/XXXXfor {$110.00} but over paid on Navient Department of Education. I told the Rep that I have receipts to show that I have been paying and they needed to explain why payments were not posted. I continued to mail my payments in and made another call to speak with a different Rep XXXX on or about XX/XX/XXXX she pulled my account up and stated that I was pass due for {$360.00} I was frustrated because I didn't get a concrete answer from previous and then being told that I now owe a different amount. I have been paying these loans for at least 10 years and don't seem to have put a dent in the total but being told that I owe more is unsettling.
This complaint is in reference to Mortgage XXXX with Freedom Mortgage at XXXX. My calculations that Freedom Mortgage is over-escrowing for property taxes and has not responded to me request to pay supplemental tax bills from this overfunded account. I called initially for an escrow analysis on XXXX XXXX, XXXX and followed up on XXXX XXXX, XXXX and any again on XXXX XXXX, XXXX. In each interaction Freedom Mortgage refused to complete the escrow analysis citing concerns about needing to wait until XXXX. I believe this is violation of RESPA which requires a maximum escrow cushion of 2 months. I have logged my compliant with XXXX XXXX XXXX on XXXX XXXX, XXXX.
I have sent multiple dispute letters to Ad Astra Recovery Service Inc, requesting they confirm the alleged debt they claim I owe. I have not received any response or documentation stating that I have a signed contract with Ad Astra Recovery Service Inc. This company continues to report to the credit bureau companies and has affected my credit profile negatively.
I disputed this address several times with TransUnion. This address does not below on my credit report. I never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington, D.C. XXXX and XXXX XXXX XXXX. XXXX, XXXX, CA XXXX. These was my Ex 's and friends address. I never lived there.
On XX/XX/XXXX, I submitted my original complaint against Ad Astra and their attempts to collect a debt that was included in bankruptcy. They responded back stating that they had contacted me several times, which included mailing " 12 '' letters and voice recordings of me saying that the debt was not included in the bankruptcy. Which they did not provide. They sent 4 letters, 2 for each account. On one letter dated  XX/XX/XXXX and one dated XX/XX/XXXX that notate my current address printed on it, which was not my address at either of those dates. They also stated that the bankruptcy was filed in XXXX of XXXX and discharged in XXXX of XXXX, which is incorrect. The paperwork they sent via certified mail did not bear a signature and several incorrect pieces of identifying information ; phone number, time at residence, and employment. 

Ad Astra also stated that they had properly validated this debt on previous occasions when I disputed it via the 3 national credit bureaus, which they never provided any documentation. What they have asked is that I provide them copies of the bankruptcy to verify my complaints. Which is the opposite of the company validating the debt to prove they are entitled to collect. They did not provide " documentation '' until I submitted my complaint with this agency. It makes me wonder when Ad Astra received this " documentation. '' Since submitting my complaint to this agency, I have found out that this debt has reached the State of Texas ' Statue of Limitations and it is not clear if Ad Astra is  eligible to collect in Texas since their surety bond company is no longer accepted as a surety bond company according to the Texas XXXX XXXX  XXXX XXXX   website.
In XXXX of XXXX Midland funding llc placed a collections on my credit report for {$870.00}. After calling them I found out that this debt is from an account opened in XXXX. this debt, to the best of my knowledge, because it was 10 years ago, was paid. I have not received any collections from anyone else about this debt in 10 years. I also know that this card could not have been opened for more than XXXX dollars. I was under the impression that a company could not put collections on your credit account after 7 years.
I was a full-time student at XXXX XXXX until about XX/XX/2018. In a History of Public Health course, a faculty instructor in fact discriminated against several assignments that were completed in his course. I was graded poorly and this caused me to remove myself from the program. 

I was in a course that caused a bit of confusion by their faculty and staff concerning the discipline of online students. I believe that I was being grade unfairly and that the problem internalized errors mistaken by net neutrality. According to XXXX ( XX/XX/2018), net neutrality rules require internet providers to treat all online content the same, preventing them from favoring- or withholding - access to certain websites, services or apps ( para. 2 ). This concept frees the information in the classroom and all other matters that effects the principle to restrict any form of discrimination or interference in the treatment of content. 

I have several emails where the actions of the other party at XXXX XXXX have enforced unfair accounts and inaccurate information concerning grading, grading appeals, and netiquette ( appropriate language for online learners ). I went through a formal administrative hearing and based on their decision, I did not feel I was accurately defended in my case or adequately supported by FERPA educational rights. I withdrew from the school without any formality or well wishes from the staff on my continuation to grow and learn with their university, and basically I felt like I was dismissed from the institution. 

I have email exchanges with my instructor and all grading components which lead me to believe I was poorly being graded and discriminated against on several assignments that led up to an assignment on a specific racial population. The policy was taken from APA manuals, 6th ed. concerning the detail of anthropomorphism in writing concerning my instructor. 

I have communication exchanges with the staff concerning the actions of meeting student responsibilities and requirements to the classroom by administrative appeals. I was also sent a correspondences that shares my public records and information with the university and a debt that I need to pay back. I do not feel my rights have been fairly provided in this matter and the university is in violation or in other attempts for causing a debt. 

XXXX XXXX, XXXX ( XX/XX/2018 ). XXXX now has the 'world 's strongest ' net neutrality rules. https : XXXX
I am being charged for a service where I had active health insurance at the time. I had XXXX XXXX XXXX XXXX and I had disputed this through the credit bureaus with no success XXXX/XXXX/XXXX is the date of service for {$400.00} I am also being charged for date of service XXXX/XXXX/XXXX for {$360.00} XXXX/XXXX/XXXX {$230.00}
Dear Sir or Maam : This letter is to file an official complaint about a law firm by the name of Rausch, Sturm, a debt collections firm out of XXXX, WI. In XX/XX/2018, I entered into a payment agreement with Rausch, Sturm when they were retained by XXXX to collect a debt I incurred when I bought furniture from them a few years ago. XXXX refused to assist me with a temporary reduction in payments when I lost my job a few months later at which point they turned me over to Rausch, Sturm. 

From the beginning of my arrangement with Rausch, Sturm, my  account has been mishandled numerous times and I believe they are in breach of a contract that I have with them. 

Since my agreement has been in place, I have made my payments as I was supposed to. Rausch, Sturm was expected to process my payments and apply them to the balance each month. Instead, my account has been closed without explanation numerous times, payments have not been processed and or applied, and I can never get a straight answer out of anyone when I ask for reasons why my account is being mishandled. The response is typically one that leads me to believe they are working on finding a resolution or reason but to date, I have not received any kind of explanation for why my case is being handled this way. 

It seems as though Rausch, Sturm is trying to set me up to fail to meet the agree arrangements so they can then take me to court for failing to uphold my end of the agreement, as was their original intent before I contacted them to set up a payment plan. 

In addition, this account has been turned over to other law firms ( by XXXX 's - the original creditor ) - in spite of me being in an agreement with this other law firm. My understanding is a company can NOT collect twice on the same account using different collection agencies. XXXX 's also should be named in the unethical practice complaint as well for this and the initial occurrence that led to them turning me over to an attorney 's office. When I lost my job several months after I purchased to furniture from them I called to make arrangements for a temporary reduced payment until I could afford to pay the full payment. Being a single mom and a XXXX I was unable to make the full payment. When I explained my situation to the representative named XXXX he told me if I didn't make the full payment I may as well not pay anything at all because a partial payment would not do me any good and they would reject it. I tried anyhow and they rejected my payments. SO I stopped trying then was hit with legal papers several months later. The agreement I entered into with Rausch, Sturm is the pre-hearing/pre-judgement agreement that kept me form incurring additional court fees that I do not have the funds for. 

I have attached supporting documentation for your convenience. Should you need additional information, please feel free to contact me by phone or by email. I appreciate your time and consideration, and thank you in advance for your assistance.
I 'm advocating on behalf of my limited communications skills domestic partner XXXX XXXX who opened up checking and savings accounts with Bank of America in XXXX. I have co-power of attorney. 
XXXX is not XXXX 's XXXX language. He is from a remote XXXX where time virtually stands still ( few own XXXX ) so one can appreciate how overwhelming XXXX banking procedures/policies would be to such a man. Additionally XXXX is exceedingly introverted will not assert himself even when abused as Bank of America did to him. Just from the monthly hard copy statements since XXXX ALONE I 've so far been able to locate he has been slammed with approximately {$3000.00} in fees!!!!! Quite likely the figure approaches {$10000.00} since the inception of his accounts. XXXX month alone saw the usurious sum of {$280.00} yanked from his shrinking net worth. He is being charged almost as fast as he can earn. Understand, that the XXXX year old XXXX is an XXXX with XXXX being his most recent occupation. 
Banks should never be as detached from their customers as Bank of America is from XXXX. He and I plead for your intervention and an analysis of his accounts from their opening in hopes that XXXX might be rightfully reimbursed for the callous indifference and disproportionate depletion of his assets.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
chase bank has continued to send me letters, stating XXXX that I do not owe, it has been sent to a collection agency, I have been told that I will not be able to have any other bank available to me. unless this debt is taken care of
The original creditor can not find the accounts. XXXX of nevada can not find same accounts as americollect.
Unfortunately this issue has been occurring annually since they first started servicing the loan. I have had issues originally about them mis-apply my mortgage payments, after months of communications, things were straightened out. A month before my first payment was due, I set up bi-weekly ACH mortgage payments through my credit union. The first year, there was a shortage with my escrow account, so I elected to pay the shortage and my payment still increased. In XXXX I refinanced my loan and my original payment was XXXX. My escrow payment was originally XXXX. In XX/XX/XXXX, I paid a shortage payment of XXXX, and my payment still increased to XXXX. An increase of XXXX/month, even though I paid the shortage. In XX/XX/XXXX, I paid the shortage of XXXX, and my payment still went up to XXXX, an increase of XXXX. As you can see everything is doubled, escrow shortage and the amount of monthly increase. When I spoke to the Agent yesterday, he stated that the XXXX payment went to unapplied funds and not to my escrow account, despite the fact that I mailed in the escrow payment with the payment coupon to the address stated on the coupon. In XX/XX/XXXX, I paid the escrow shortage amount of XXXX, and my payment incteased to XXXX, a monthly increase of XXXX/month. Once again, my monthly increase almost doubled, even though I paid the shortage amount. This year my shortage amount is XXXX, and my payment will go up to XXXX. Will this madness ever end? Clearly there is a problem. Who can continue to keep their home at the rate of these increases. This is all due to escrow. What happened to my misapplied escrow payment? Why did n't anyone ever tell me? Could that be the reason for the significant increase? What recourse do I have as the consumer who has always paid their mortgage on time? I realize my property taxes have increased because my property value has increased. But that 's why I pay yeh shortage amount. So why does my escrow payment have to consistently increase. I requested an escrow cancellation, and they denied it. The denial stated my loan needs to be less than 80 % of the original loan amount. Even the denial letter has a XX/XX/XXXX denial date, and he request was made in XX/XX/XXXX.
We have attempted to resolve this matter with the bank several times over the last 4 years. We have dealt mostly with XXXX XXXX at XXXX XXXX XXXX. The bank refused to take payments from us and also refused multiple times to give us a modification. The loan has since been transferred to Nation Star. XXXX XXXX XXXX, our previous servicer, we sued on the basis of attempting wrongful foreclosure the issue is now ongoing for 4.5 years with a foreclosure date of XXXX XXXX, 2015. This has caused extreme emotional distress on the entire family.. I have made repeated attempts to deal with Nation Star in an attempt to speak to someone in authority in order to work out a settlement agreement and I was never allowed to speak with anyone. I was at XXXX time on the phone with them for more than 2.5 hours trying to resolve something and was just passed from person to person all of whom told me the same thing. " that there was nothing they can do. '' There is still no resolution. The home is currently listed and there is a short sale offer pending.
The following company falsely claims my company owes them a debt : XXXX XXXX XXXX and XXXX XXXX XXXX : ( XXXX ) XXXX ext XXXX D : ( XXXX ) XXXX ext XXXX | bigdcreative.comThey hired the following debt collection agency : XXXX, XXXX Box XXXX, TX XXXX XXXX XXXX : XXXX 've instructing them not to call, email, or continue their harrassment of our employees, but they 've chosen to ignore the law and continue their contact and harrassment.