WillisBack/dataset-financial-user-claim huggingface dataset:
I was inquiring about the student loan forgiveness plan for XXXX. The Student Loan Releif Department was the company in which I went with based on what they told me. In order to use their service, I have to pay them {$1300.00} on a monthly plan paying {$39.00} a month. This payment plan started on XX/XX/2017 and they went through Equitable Acceptance for the loan in which I am paying this company. I contacted the XXXX company to ask some questions and they told me that I could have gotten the student loan forgiveness plan through them and it would be completely free. I am paying a third party {$1300.00} over the next four year for something that I could have gotten completely free. I was not aware of this and the Student Loan Relief Department obviously did not let me know about this. I am paying for their services when I could be doing everything for free. Not only am I paying for their service, but I also can not contact them via phone. I have tried to call them and I can never get someone to answer the phone. They didn't follow up on what they said they would do. This is when I ended up calling XXXX and finding out that I was paying for something that was not needed. I want to get out of this loan through Equitable Acceptance whom I have already paid for one year, for the service from Student Loan Releif Department that I don't even need.
This call came from  XXXX  and  XXXX .When you call they only say " Corporate Office, how may I help you '' they do n't say the name of the company.
I spoke to two gentlemen :   XXXX   XXXX   and   XXXX   XXXX   Before my husband and I were married he accrued a debt to Kay 's Jeweler 's for a small unpaid balance. Year later, we are contacted by a debt collection agency asking for money owed. We asked them not to call, ( they were calling my phone too ), and sent them a written letter asking them to stop calling and to also not call me or his job because we had asked them not too. After the letter was sent, we had a debt collector still contact us and yell on the phone that he was coming to get the money that was owed to them and he was going to send the police to our home.
Fast forward to 2 years now, I received a call on my job and they asked to speak to the Human resources department ( whose desk is next to mine ) they told her that they were coming to serve me papers, and told her I had a debt with Kay Jewelers. She was rattled and gave me the contact information to contact them back. I called them back and they told me that they were going to serve me papers on my job and then start garnishing my check because Kay Jewelers planned to sue me. I informed them that this was pre-marital debt and this had nothing to do with me. The gentlemen informed me that he did n't care and the debt still had to be paid or they were going to serve me papers on my job and sue me.
I spoke with a legal friend and was advised that this was premarital debt and they should not be contacting me, but my husband, and I was also informed that if I had written them a no contact letter then they should not be contacting me nor my employer.
XXXX XXXX, 2015 I called into A-1 Collection Agency to make a payment with XXXX XXXX XXXX ( ext. XXXX ), per an agreement from the prior month, that was confirmed by XXXX ( ext. XXXX ) whereby I paid the balance of one account off that would be removed from my credit report as a courtesy, and would begin a repayment plan in the amount of $ XXXX/month on the other account, preventing negative reporting on this account. XXXX XXXX ( the only name given to me ) stated XXXX XXXX was on leave & he 's the person I would be speaking with. I proceeded to inform him of my previous discussions, and he stated that I had been reported negatively to the credit bureau. I informed him that I was told that would not occur. Then I asked if the calls were recorded, and XXXX XXXX got upset stating that he was going to hang up on me for using abusive language. Not once did I use profane, abusive, nor threatening language. I simply inquired about the different information that I had been given from the young ladies versus his statement. He declined to inform me what was abusive about my language. I was practically pleading with him because it was as if he just snapped. I informed him that he would be reported if he hung up on me for no reason, and he proceeded to do so. I called back todayXX/XX/2015 and dialed the extension of XXXX, who had assisted me a few times before, and I was cold transferred to XXXX XXXX. I did n't speak a word to him, and ended my call because it was clear to me that he has flagged my calls and are having them routed to him. He is an abusive collector who uses his tone to intimidate, speak to, and treat callers poorly. All I want to do is pay the bill. Please have this call pulled and have XXXX XXXX reprimanded for his poor and threatening behavior. His methods are abusive, and he 's playing bully collector. He did n't have to call me to collect because I was calling in to pay. He declined to allow me to speak to a supervisor, and hung up on me.
On XX/XX/XXXX I applied what I thought was a chase sapphire preferred credit card. Unfortunately, in error, I applied for the Chase Sapphire Reserve credit card. I immediately discovered my error and called Chase Credit Card Service and told them of my mistake. The agent told me that I could change the product with no problem, just call back with in 48 hours when the account is set up. I called again on XX/XX/XXXX and spoke with an agent that said I could not cancel or change the card. I then asked for a supervisor who again denied my request and said the agent from the night before was incorrect. I then spoke with a manager who again said they could not change the product but could reject the credit card which will hit my credit rating. I opted to reject the card. 
My complaint is that there should be a grace period of at the very least 24 hours to correct a mistake. There has to be a regulation of some sort.
For about a month I am trying to pay my loan via XXXX debit card, but the new website for Heartland ECSI is not allowing me to do so. I spoke to customer service and they told me that there was a problem with the website but 3 weeks have gone by and I still cant pay through the website. 

I filed a complaint with CFPB and in XXXX XXXX the company replied to me saying that yes, that payments with XXXX card using XXXX could be made. I have tried to pay again using XXXX and I still am not able to pay. I inmediatelly answered to their email but they have not responded, and I am still not being able to pay using my XXXX debit card. 

I now live in XXXX and I am very worried because I want to pay my student loans and this company is not allowing me to do so after they changed their website. 

I am afraid also that they will give me late fees because payments are not able to be made.
I had a cancellation fee that XXXX had wanted to charge me after I cancelled my cable in 2018. I spoke with the company on XX/XX/2018 and requested that the operator request to the manager that they waive my cancellation fee on the basis of being a long time customer. The operator mentioned they would do so and contact me back. XXXX never did follow up with me, and sold the debt to Diversified Consultants. I have paid it off, however now have a collections account on my credit report that is hurting my ability to access credit in the future, because of XXXX misrepresentation of what actionable steps they would take.
I disputed this item on XXXX XXXX, 2016. XXXX did not respond within 30 days. A violation of my consumer rights. The original letter and the copy of my social security card that I sent on XXXX XXXX, 2016 are attached.
Consolidated Recovery System is reporting collection/chargeoff for XXXX balances, all for one month and year. 

One company XXXX I am not familiar with at all.
I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all XXXX bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.
I had a open account on my credit report for " Citi CBNA '' and it says it is still open and the credit limit is {$2000.00} and in good standing but I do not ever remember applying for this credit line!
Like many homeowners I have struggled to pay my mortgage. I have been hanging on for dear life until I finally decided to submit a short sale request to the Wells Fargo Bank. Its been over 3 months since I initiated the short sale and every time we call we speak to someone new who tells us something different. We have spoken to over 15 representatives and to date we cant seem to get an answer about this short sale request. It is hard enough I cant afford to pay my mortgage anymore and to be worrying about foreclosure. I received a letter XX/XX/XXXX saying I would have a decision on XX/XX/XXXX, the day before the pending sale date, neither me or my Realtor has been contacted. I do not want to go into foreclosure ... I would like to discuss a short sale. Because of the run around, representative who don't know whats going on in their own company and the fear of being thrown out of my home I have since filed bankruptcy. I still would like to be considered for a short sale so I can move out of this home with closure and some peace of mind. I have gotten very ill over this situation. XXXX and XXXX have set in. Sometimes I feel like I an about to loose my mind. Today XX/XX/XXXX my Realtor called Wells Fargo and was told that my home is being reconsidered for the short sale and we will have a decision within 24 to 48 hours. I am waiting for 48 hours which will be Friday XX/XX/XXXX and I am hoping I am still here when the decision comes. Too many people are loosing their  homes and the banks are just making homeowners lives more difficult when they give us the run around. Please I need your help.
I have sent 2 lette rs requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to n agate my request and is in a violation of my rights. Under the FCRA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this claim must be inves tigated properly and efficiently.
I am in the process of buying my first loan and recently discharged from bankruptcy on XX/XX/2018. My mortgage company discovered that the company XXXX XXXX has a lien against me dated XX/XX/2018. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX Alabama XXXX ( a debt collector ) for XXXX XXXX , XXXX. They filed a small claim with XXXX county XXXX in the amount of XXXX. 

I do not know anything about this bill. I believe my identity has been stolen because this debt is not listed on my credit report. XXXX XXXX is the debt collector representative and she says that it is for a XXXX Credit Card and that I used it at XXXX and for XXXX XXXX. I have not had XXXX XXXX in 7 years. She asked if I was still in bankruptcy and when I told her I was discharged she said I had to pay the bill. She did not give me any dates of these charges or a copy of the bill. The address on the lien notice is my prior address but I did not have XXXX XXXX. I had XXXX XXXX  briefly and XXXX  and the internet provider. I have left many messages for her call me back but have not received any answers. She did provide me with the creditors name as a XXXX Credit card, and their file #. When I called Continental Finance, they refused to talk to me stating that my account was sold t XXXX  XXXX. I don't believe this is my account and if is I never received a statement and the charges are not mine. From the XXXX charge, this date of the charge is prior to me file bankruptcy and this bill should have been settled through the bankruptcy chapter XXXX. I can not get in contact with XXXX  and they are never available to discuss this nor have they sent me the needed information to verify whether this is a true bill. I need this cleared up asap or I will loose my FHA loan.
Cavalry SPV, LLC continues to call my cell phone many times, So much so I had to block them. They would at first not tell me who they were, ask me for personal information and when I refused to give it would tell me that they could not tell me anything more. I got someone to finally tell me what the name of the company was. At that point I stated I do not know who they are, have not accounts with them and to stop calling. I then blocked them.
I then started to receive statements saying I owed them money. Do n't know who these folks are. and when called I get " what is your name and social security number '', Sorry, I do n't know them, so nope.
I look at my credit report, they are reporting I owe them.
I get a letter from an XXXX XXXX XXXX, stating they are contacting me on behalf of Cavalry. I send a letter back asking for proof of the debt to Cavalry. ( XX/XX/XXXX ). The response letter (XX/XX/XXXX ) shows oldXX/XX/XXXX statements from XXXX, along with a generic sale slip of who knows what, as my name is no where on it. And any possible telling information is blacked out.XX/XX/XXXX- I call XXXX to ask about any accounts I have with them. I am told that I need to call an 800 number. I tell the lady that if the account was with them why could n't they tell me, or connect me to someone. Or does it show they closed the account? sold the account? anything? she said she can not see it. I ask to please be transferred to someone who has access to that information. I get sent to an account manager. The manager then tells me she sees nothing under my SSN or name. That I have no debt with them. I ask about in collections. She tells me that she would see if they had any collections activity in the file, and she sees nothing. I ask how I can prove this, did they have a paper they can send me? no. since I have no accounts she ca n't send anything.
And I should check my credit report to see I have not reports from XXXX. I do, and see Cavalry has a collections against me, prompting me to check the county courts. I see now I have a court date, that I have not been made aware of coming up. I will dispute this in court now.
The typical bait and switch was applied during my mortgage process. Started the process XX/XX/XXXX with a 60 day close XX/XX/XXXX. During this whole time i was due to bring $ 7,000-8,000 to closing. Then on XX/XX/XXXX ( 2 weeks before closing ) I am told that i am going to have to bring nearly {$20000.00} to closing. The mortgage company offered some credits but i am still due to bring $ 16,000-17,000 to closing. Due to timing and needing to close I am trapped to accept this and move forward so that I do not become homeless shopping for a new mortgage company. This is the typical bait and switch at the last minute that has haunted the mortgage companies and Quicken has since applied this to me. They claimed that I no longer qualified for the program because i made too much money but it is the same figure that was given to them from the start.
I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.
On XXXX XXXX, 2016, I responded to an online ad for a XXXX position for XXXX XXXX XXXX XXXX disclosed online, their background requirements and the process for securing a job. Their background check screening goes up to 7 years so I applied for the position. Later, I learned that XXXX XXXX background check requirements was misleading when I received a copy of my background report from Sterling XXXX XXXX the " Background Screening Service '' where my background check revealed that a 7 plus year background screening was performed on me which, I was not aware of nor did I authorize XXXX XXXX or Sterling XXXX to do. 
On XXXX XXXX, 2016, after I received my report from XXXX XXXX. I immediately requested that Sterling XXXX investigate the errors on my report and demanded to know why their company disclosed information to XXXX XXXX that was more than several years old. I believe Sterling XXXX clearly knew what they were reporting and how far back that they were reporting this information to XXXX XXXX. I believe that they deliberately distorted and lied about my clean motor vehicle record and there were a couple of dismissed cases on my report that were more than 15 years old, that Sterling XXXX XXXX reported to the employer. On XXXX XXXX, 2016 I received an email from Sterling XXXX Representative " XXXX '' stating that she completed the investigation and that she sent me a copy of my report but, I have yet to receive it. 
Even if, Sterling XXXX send me this report, the damages have already been done. XXXX XXXX sent me a new email on XXXX XXXX, 2016 with a second and final decision not to hire me. I believe that Sterling XXXX is at fault for this and for violating the Fair Credit Act. I feel that I have a right to sue for damages in the state or federal courts and I need to know how to proceed in this case. 
I am going to attach a copy of the email I wrote to Sterling XXXX CEO XXXX XXXX and XXXX XXXX. Representatives in regards to my complaint against both companies and I 've attached a copy of the background check that was emailed to me by XXXX XXXX including an online link to XXXX XXXX background check requirements. Here is a copy of the online link : XXXX. I have a copy of my actual background and motor vehicle record at your request. 
Sincerely XXXX XXXX
The recent Equifax breach caused me concern of my sensitive personal data having been stolen. I am concerned regarding possible identity theft. However, Equifax will not allow me to know with 100 % certainty whether my data has indeed been stolen until I sign up for their service which 1 ) Charges me a fee after one year and 2 ) Forces me to waive my right to file a lawsuit against them should I become a victim of identity theft from this breach.
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
The Company that I would like to make a complaint about is the company that go by the name of XXXX XXXX XXXX. Now it has been renamed as One-Main Financial. They sold my account to a third party debt collector, XXXX XXXX, pretending to be an attorney office. 

When I lost my job in XX/XX/2012, I owed a balance of $ XXXX.Additionally, while I was employed, I had the type of insurance that if you loose your job, the insurance should cover it. Long story short, I informed them of this. I was told to keep making payments from my unemployment checks until the insurance would take over and pay debt. I was put on a payment plan that lowered my payments but the interest rate of loan had doubled. I confronted agent over this, she stated that there was nothing that she could do. I was paying faithfully, every month with double the interest rate. The more I paid on this account, the higher the interest rate became. I confronted agent again, she stated I should continue to pay even if I had lost my job. 

After contacting company about balance, they stated that I should be getting something in mail. I took a visit to company, I was told same exact thing. I called several times and was told same thing. 

After several months, of paying what I could, the loan had ballooned into {$2500.00}. They had tripled the interest rate. Now today, they state that I owe them {$6000.00}. and more. At this point, my debt had been sold to a third party. I asked about the balance, they stated that they did not have that information and that I had to contact the third party debt collector. This collector was XXXX XXXX, they stated that they were an attorney office and if I did not pay full balance I would be arrested. This is abuse of power and harassment. They would never give me a verification notice of the amount that they incurred from XXXX/One-main Financial.
I took out a Chase private student loan when I attended XXXX XXXX. Upon graduating, I made the monthly payments to Chase in the amount of {$29.00}. The original principal of the loan was for {$5000.00}. XX/XX/XXXX, I began XXXX at XXXX XXXX University in XXXX, Rhode Island. My automatic loan payments stopped due to my full-time enrollment. XX/XX/XXXX, I made the decision to take the fall semester off. Simultaneously, my Chase student loan was charged off after they said I failed to contact them, even though I was in in-school deferment. My efforts with Chase to reestablish the loan under the original terms were dismissed. As a result, I was forced to enter a payment plan to pay-off the remaining principal of my loan or the action would result in charge off on my credit report, which would substantially affect my chances of bar admission. From XX/XX/XXXX until XX/XX/XXXX, I made 3 payments in the amount of {$820.00}. I reenrolled in law school XX/XX/XXXX, and I am currently enrolled full-time. I am unable to make the remaining 3 payments, which I believe I should not have had to make in the first place. I would like to speak with an individual at the CFPB to determine my options, since this very well could affect my bar admission.