WillisBack/dataset-financial-user-claim huggingface dataset:
I have soooooooooo had it. I do n't have a " file '' number because they deleted it in 2012, YOU CA N'T KEEP A DEBIT THAT IS TOO OLD. YOU NEED TO DELETE IT. AND I HAVE DISPUTED IT, AND DISPUTED IT. IT IS ANCIENT HISTORY, JUST BECAUSE XXXX XXXX SOLD IT TO XXXX BANK DOES N'T MEAN IT IS NEW THIS IS A VIOLATION OF THE LAW
In efforts to have made payments on my student loans and having a degree that I can not use, I would like to petition my student loan debt. 

Having attempted several different times to take care of the student loan debt I incurred to obtain a degree I can not use, I am petitioning to have my student loans cancelled, forgiven, and or discharged. 

It is my understanding that XXXX has been under investigation for several issued and I believe that XXXX not only failed to provide proper counselling to me on the student loan debt I incurred but that they also contributed to the amount I owe by charging loans to me that I did not authorize. I am seeking relief from this debt as I have been unable to pay due to the many factors I explained above. 

The reason it has taken me so long to reach out for more help is my father XXXX XXXX in XX/XX/XXXX and at the age of XXXX, I no longer had a home and moved back to my home state to try and survive and as a young adult I had no idea where to turn on this matter. My aunt has now helped me do research and try to see what we can do to resolve this situation. 

I received grants, scholarship money and educational assistance money that was paid to me from the Department of Veteran Affairs and I paid to the school. As you see my XXXX contract it states the most my XXXX degree would be was {$46000.00} and this amount was before my grants, scholarship loans and educational access money from the Department of Veteran Affairs. When I graduated XXXX sent me a letter dated XX/XX/XXXX that I had approximately {$15000.00} in Subsidized Loans and {$24000.00} in Unsubsidized Loans with a total being {$39000.00}. It appears that loans was taken out when I did not need them and that none of my money was applied. My loans was supposed to be consolidated but yet I still get bills from multiple places and the total is over {$100000.00}. I have read many articles that XXXX would take out loans under the students names to pay the schools debt. The school is closed so I am not able to get any of my records besides the ones I have included. 

Your assistance and help resolving this matter will be greatly appreciated. 

Sincerely, XXXX XXXX
Hide termine in contract {$2600.00} in XXXX XXXX/XXXX/XXXX, but the rates is to high is impossible because i have XXXX XXXX i do n't have te money is more {$200.00} every 2 week rate is almost {$8000.00}
On XXXX/XXXX/16, my XXXX XXXX benefits in the amount was STOLEN by someone using my personal information. Direct Express changed by address on XXXX/XXXX/16 at XXXX XXXX. to an address in XXXX, XXXX. I 've never been nor lived in XXXX, XXXX. XXXX seperate trips were made to an ATM in XXXX XXXX, XXXX and my account was DRAINED. I 've been back and forth witth Direct Express on NUMEROUS occassions to no avail. XXXX/XXXX/16, I went to SSA and did the XXXX. process required by Direct Express. When I called Direct Express back on XX/XX/1216, they said SSA had n't given them the information. I know that 's not true because the CSR at SSA did it while I was at her window. Direct Express is n't a reputable company to handle people 's SSA benefits. They 're not XXXX accredited, have a F rating and over XXXX complaints on XXXX. Direct Express has a vast history of fraudulent activity regarding SSI and XXXX benefits. I 've filed complaints with the FTC and XXXX of XXXX. I 'm not backing down because this is my money ; money I worked hard for and I want every penny back. Also, I 've been in touch with someone from Comerica Bank. They 're no better than Direct Express. There should be action taken against this company because they are not safeguarding our SSA benefits.
I have been forced to pay an annual fee of {$59.00} to Capital One for a credit card that I can not use due to its " restricted '' status, for two years in a row. Capital One refuses to close my account because they say they can not verify my identity, even though I sent them, via email, all the official ID docs they asked for ( social security card, proof of address, drivers license ). They said they think I " altered '' my own ID documents. Therefore, I 'm trapped in this cycle of trying to cancel my account, they refuse, they charge an annual fee for a product I ca n't even use.
The debt collector is attempting to collect a debt and I am attempting to set up arrangements to pay. I 've called during thier stated business hours and each time the automated system tells me I am next in line for an available operator and then I get put into their viocemail system which states someone will call me back ASAP. No one ever calls me back and I clearly leave my name, account number and phone number. If I do n't get a hold of them by XX/XX/XXXX they are going to just take the whole amount out of my paycheck.
After sending a XXXX debt validation letter XXXX/XXXX/XXXX, Central Financial Control failed to respond with a letter stating that I will be held financially responsible the accused debt of XXXX a signed copy of a XXXX letter with my signature, and/or any form acknowledging the debt will be forwarded to collections AND reported to the credit bureaus.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX and XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
the company took my income tax for the total of {$2900.00} and then stated that it was for student loans but it was taken by a company that I neither have heard from by phone or email or mail itself and when I try to call them there is no response I get a voicemail and when someone finally calls they call at a time I can not answer and they leave a number and extension which all it does hang up on me
When I moved from XXXX in XXXX 2015, I set up mail forwarding with USPS. As part of that service I got to select coupons from various companies. I selected XXXX from Citizens Bank which promised to pay me {$200.00} for opening a new account provided I make a certain number of deposits or debit card purchases within a certain time frame. I printed the coupon from USPS and brought it to Citizens Bank when I opened my account. I met the required deposit/debit card terms & waited for the money to be deposited. 

In XXXX 2015 I became concerned that the {$200.00} had not been deposited into my account. I contacted my local branch, and they attempted to help me. Over the course of several months I was passed around to a few different contacts at XXXX local branches ( XXXX teller and XXXX managers ). The final manager I worked with had been speaking to " someone '' in the " back office ''. He would not or could not tell me the name of the person he was speaking with in the " department that deals with offers like this ''. 

I provided the e-mail from USPS confirming this offer was made to me, but Citizens Bank claims they can not " verify my eligibility '' unless I can provide them with the specific coupon code on the coupon I already gave to them ( at the time I opened the account ). The e-mail I provided has a link to print the coupon ( which I did at the time I opened the account ) but now that so much time has passed the link is dead. I did not keep a copy of the coupon, and they will not accept the USPS e-mail confirming the offer was made to me, as proof the offer was made to me. I believe Citizens Bank used this coupon to gain my business with the intention of using any excuse it can to avoid paying the {$200.00}, despite the fact that I met all the terms to be eligible for the money.
On XX/XX/XXXX, I called Navient to see what options I have to lower my payments, I had recently got behind on payments and owed XXXX in back payments. They told me I could make a one time payment of {$250.00} and it would bring my account up to date. Then they would give me the month of XX/XX/XXXX for free and I would start payments back up in XX/XX/XXXX and the payments would be around 250.00 a month. I then called them back on XX/XX/XXXX because my automatic payments are coming out {$280.00}. I can not afford to pay this amount so I wanted to see if they can lower my payments. The person I spoke with transferred me 3 times, I finally got someone who told me there is nothing they can do. They said I only get 2 income driven repayment plans of which I have already used. They told me to call back next month in XX/XX/XXXX and I can attempt to file for Interest only payments, but it would only lower my payment to {$210.00}. I then stated this is still to much for me, I am a single mother with a tight budget and I can not afford this. They told me I need to find someone to pay my loans then and there is nothing they can do to help me. I am living paycheck to paycheck and this is a burden on my family. I am very dissatisfied with the customer service and I feel like they are charging me way more than I can afford and they offer no help to lower my payments and actually, since I have had this loan, it has gone up by {$5000.00} from the original amount and my interest rate is 11.25 %. I have been a borrower since XX/XX/XXXX and this has been an ongoing issue since starting my repayment.
This complaint is to address an allegation against a collection agency known as Sequim Asset Solutions. LLC aka XXXX XXXX XXXX, located at known address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX.

VIOLATION : Sequim Asset Solutions, LLC has reported an adverse collection in a different name as XXXX XXXX XXXX at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Therefore, this is a violation of U.S.C. Title 15 807 ( a ) ( b ) ( 14 ). False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.

VIOLATION : This agency is in violation of U.S.C. Title 15 809 ( b ) ( 4 ) and 809 ( 5 ) ( b ) of the fair debt collection practices act that states any collection activities and communication during the 30-day may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address.

VIOLATION : This agency has violated my right to dispute under the 30-day window which I have the right to dispute under Rule of Laws. This agency by reporting adverse information to the credit bureau the account known as XXXX placed for collection on XX/XX/XXXX and updated XX/XX/XXXX.

VIOLATION : I was notified by letter from the collection agency known as Sequim Asset Solution. LLC about their attempt to collect a debt letter date XX/XX/XXXX, XX/XX/XXXX in addition to their attempt to collect their XX/XX/XXXX letter also stated that this matter will not be reported to a credit reporting agency until day validation notice has expired or validation has sent to me VIOLATION : Please note the timeline that this agency reported the account they reported an adverse action to the credit bureaus versus the date on the letter they mailed too me. The timeline of my response was within the 30-day window. Therefore, I was exercising my right in accordance with Fair Debt Collection Practices U.S.C. Title 15 809 ( b ) by responding in writing and mailing them via-certified return receipt.

In addition, I received a letter dated, XX/XX/XXXX from this collector referencing my dispute by sending me a copy of wireless statement new charges of {$57.00} dated XX/XX/XXXXthis statement was from the creditor ( XXXX XXXX XXXX XXXX  ). This account was already closed as of XX/XX/XXXX all terms and conditions were satisfied in accordance with my XXXX XXXX XXXX   contract.

Also, I have exercised my option accordance with the term and conditions of my XXXX XXXX XXXX  Contract to dispute all new charges that have been dated after that account was closed. However, I never received a response from XXXX XXXX XXXX but was sent to collections as per this aforementioned complaint.
I called in today XXXX/17 at XXXX XXXX est and wanted the company to relook at my two credit cards because they denied me a credit line increase. the reason for denial was too many inquiries. I asked for an explanation and the first rep transferred to a supervisor when I asked then the supervisor discouraged me from applying for further credit and could not explain why this letter referred to XXXX as the reason for my denial when she says it was internal reasons that I asked too many times internally. I then asked for her manager and this person again could not fully explain what the reason means and why it was giving me XXXX as the reason. He stated again that it was internal and that the system makes the decisions not them and proceeded to discourage me from further applying for credit. The call was recorded and the manger told me I could not apply again for six months that they would not accept my application. I ended the call with the manager because he could not help me and he was discouraging me from getting the credit line increase I need to keep my utilization in line and do my XXXX shopping.
XXXX XXXX XXXX XXXX XXXX. is reporting an account which they claim I owe {$7100.00}. The rst attempt to resolve this matter was received via certied mail USPS ( XXXXXXXX ) on XX/XX/XXXX. I request validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX XXXX XXXX XXXX XXXX. responded with an itemized document, printout of original contract. As per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verication. Not only was validation not provided, the documents contained a copy of a XXXX Drivers License. This is beyond alarming especially being I never resided in the State of XXXX, which you can veried based on my address history on all three credit reports.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. Again, XXXX XXXX XXXX XXXX XXXX. responded with an itemized document this time containing my former State of XXXX  driver license.

Due to nature of this inaccuracy, and the detrimental effect to my ability to grow my XXXX XXXX XXXX, I have led a Small Claim Law Suit in the State of Georgia on XX/XX/XXXX in the amount of {$3000.00}. XXXX XXXX XXXX XXXX XXXX. should expect a 2nd Original serviced to their Registered Agent, XXXX XXXX XXXX XXXX, in XXXX County within the next seven business days.

Laws included in Suit : 1 ) FCRA Section 623 2 ) FCRA Section 605 ( c ) 3 ) FDCPA Section 809 ( b ) FTC opinion Letter Cass From XXXX  If XXXX XXXX XXXX XXXX XXXX fails to come to an amicable resolution or attempts to have a schedule court appearance moved, XXXX XXXX XXXX XXXX XXXX   must be advised of other potential laws broken : 4 ) Metro 2 Compliance 5 ) FCRA Part ( A ) ( 5 ) ( B ) ( ii )
I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter. XXXX XXXX XXXX. Account Details Original Creditor : XXXX University Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013 I never received validation of this debt through email, phone call, United States postal service or by any other means. Therefore I am asking for written validation from the company at this present time telling me this is indeed an account that belongs to me. There is a XXXX  balance therefore there is not any money owed. VALIDATION means to provide Legal PROOF of this truth and accuracy. At this time this debt has not been validated therefore according to Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX  or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. Please validate this debt or have it completely removed from my credit reports My next step will be hiring an attorney to pursue a civil action against your company.
I received  XXXX  solicitations from  American Express  in late  XXXX   XXXX  offering  XXXX  miles with  Delta if I signed up for the Gold Skymiles credit card befo re  XXXX   XXXX ,  XXXX  and spent {$3000.00} in the first 3 months. I received the card approval  XXXX   XXXX ,  XXXX  and spent over {$3000.00} by the end of  XXXX   XXXX . I have contacted  American Express  several times most recently on  XXXX   XXXX ,  XXXX  where a back office inquiry was opened and on  XXXX   XXXX ,  XXXX  to follow up on findings. I was informed that  XXXX  miles was all I would receive. I fulfilled all of my obligations to receive the  XXXX  miles according to the  XXXX  brochures I received but can not get an answer as to why  American Express  is denying me the miles.
I received a letter requesting further information for our account at PNC Bank giving me and my mother 7 days to respond. If we didn't they would close the account. We responded within 5 days of the receiving the letter by going to the bank on XX/XX/2018. We handed the letter to XXXX ( I think that's what her name was ). XXXX was on loan from the XXXX XXXX branch. She placed all information required in the computer. I gave her my social security number, telephone number and corrected my address. I do not live with my mother. ( I requested the bank manager,, but she was on vacation. ) I was issued a pin to sign up for online banking. Everything seemed fine until today, XX/XX/2018 when my son informed me the {$2000.00} check his grandmother sent him was returned NSF. My mother also sent a gift to my brother which I expect will also be returned NSF. Neither my mother or I closed the account. This was done by the bank. They are saying I never went in with my mother and wife to address the issue in the letter. We are requesting that PNC Bank pay any and all NSF charges due to this closure of the account by the bank. I also request that any fines that are applicable will be assessed against the bank.
I called XXXX and asked them for a copy of a lease agreement and an invoice or documentation stating what they said I " owed '' them. I found out on my credit report that I supposedly owed this apartment complex $ XXXX.The lady told me that they have been under new management since 2015 and she passed me over to another lady that explained to me that they do n't have me in their ledgers due to it being 7yrs ago and they would n't be able to give me any information about my lease agreement or charges and that I need to deal with the collection agency directly since they have the " debt '' and not the apartment complex.
In XX/XX/XXXX I was notified by XXXX that someone used my identity to open a checking account at Compass Bank. I called XXXX, they directed me to call their parent bank, named Simple, at XXXX. I called Simple to let them know my identity was stolen, and they refused to tell me anything about the account. 
They refused to close the account, though I called multiple times and explained that it was a fraudulent account. I then did a XXXX call with XXXX and XXXX Bank in which the XXXX rep explained the confirmed ID theft. Simple rep said she would then close the account, but refused to send me anything in writing. I called Simple again on XX/XX/XXXX and again asked for a letter to confirm the fraudulent account was closed, the rep refused. She said the account was " no longer eligible for phone support '', that she had " to disconnect the call '', and I was not to call there XXXX asked to speak with a supervisor, was transferred to XXXX. He also refused to send a letter, said it was not their problem that someone opened an account there with my stolen identity, and their policy was to not provide any info or send anything in writing, not even to confirm they closed the account. I asked where they are actually located, he refused to tell me. He said they are an online bank, but said their physical location and the state in which they are registered to do business was " not pertinent '' to the conversation. I asked for a mailing address, he said he would not give it to me. I asked for anything to confirm they even closed the account, he said " this account is no longer eligible for phone support '' and that he had to " disconnect the call ''. Would not even confirm it was closed. He refused to give me an account number or any info at all about the account that I could have to document the fraud. I have no way of knowing if they even closed the account, and am very concerned that it is still open in my name.
my credit report from XXXX says I lived at a address that I never lived before and debt is from XXXX which I never had a electric bill in my name with a balance of XXXX dollars I even took paper work to them to prove I never lived at the address tried to do everything they ask of me
TransUnion was contacted on XX/XX/2017 via certified mail, signed receipt received on XX/XX/2017. The agency has not completed the investigation, nor did they notify me of their results. It has been over 30 days and a clear violation of the FCRA. I request the disputed information be deleted from my record.