WillisBack/dataset-financial-user-claim huggingface dataset:
Hello my name is XXXX and I have a complaint about student aid and how XXXX are selling these student loans over and over again even thought they get paid off to where you are forever in debt to them. First of all In XXXX I entered the military and paid into a school grant which they said we could use anytime when we want to go to school, so I paid into it for a year. A hardship happened and I had to leave the military with an honorable discharge. So I go back to school and ca n't use the money I paid into being in the military so I get a XXXX XXXX loan. Along with the school loan I get a personal loan to cover my books and other incidentals. Push ahead 10 years children, divorce and so and so but I still have to pay off my student loan and I go in default. So years later and my paycheck is garnished and the school loan is paid and I get a letter from my company and Navient a.k.a XXXX XXXX and a.k.a. XXXX saying debt paid and I am released from the garnishment. In XXXX my income taxes are taken because of the private loan Navient says. I filed for bankruptcy in XXXX and add XXXX XXXX, Navient, and XXXX to it because now they want payment for the personal loan I took out. Bankruptcy is finalized in XXXX XXXX and I hear nothing for 6 months all of a sudden I am being garnished again, no letter stating this from Navient or my accounting department at my employer XXXX XXXX. I contact my attorney by phone and email and nothing he has been paid case closed he wants more money that I dont have to correct this mess I am guessing. So I call them directly ( Navient, XXXX ) they ask me to give them proof that the loans were paid by garnishment and that the personal loan was added to the bankruptcy and that I do. I email them the copies that I have sent you. They send back the letter I have attached and now another creditor has purchased the loan from Navient they say, and want money. The next week XXXX is now sending me a letter they want more money. I dont know who to go to about this it can not be lawful. I see that Navient has a class action suit against them. I just need help and I ca n't afford to keep getting attorneys that only want money. Can you please suggest what I should do next I think they will try to take as much money from me knowing that I cant get it back because its the government backing them. 
Thank you for listening.
In XX/XX/XXXX I was a patient in the XXXX recovering from a broken ankle.They billed {$5800.00}. XXXX paid {$5500.00}, XXXX paid {$58.00} & {$170.00} and I sent a personal check for {$57.00}. They keep billing me {$810.00} through XX/XX/XXXX. I have submitted the statements from XXXX proving the payments. They claim there is a co-pay or deductable is due but never indicated it on any of their monthly statements but they did accept the amount billed from XXXX, XXXX. Now they have turned this bill over to a collection Agency ( Revenue Group ). I have sent the collection agency the statements from XXXX and XXXX proving the Payments but they continue to demand the {$810.00}. Refuse to prove that the bill is valid and have given no accounting of the payments made. Now thay are taking me to court. This bill has been paid but they keep trying to collect.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Credit Bureuas failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the account XXXX XXXX
Today I was called on my cell phone twice by a woman named XXXX XXXX. This lady tells me she is calling me about a claim she wants to serve. I asked her what she was talking about and she said she just wanted to verify my address so she can come confront me. I hung up to call the police as I felt threatened. She then calls my job and tells my employee ( I 'm a XXXX XXXX ) that there is a claim that I have outstanding and she wants to verify the address. I called the number they left. They literally refused to give any information about themselves except to say they are XXXX XXXX. They flat out said they are not a collection agency. They refused an address ( physical or post office box ). They refused any information about corporate. They said XXXX is a " locator '' but they do n't know for which company. I finally figured out what the call is for. It 's a collection agency over a loan I forgot to pay on. I called the original creditor. They said all United Debt Holders ( a collection agency ) at XXXX. I called there. They stated that XXXX XXXX is in fact a collection agency. I advised them they violated the FDCPA and I 'm filing a complaint. 

I will pay this bill but I wo n't give out my financial details to someone who refuses to provide me any verifying details. I want them disciplined for their illegal actions. Then, I will pay this debt.
Requested a Formal Validation for XXXX A request for formal debt validation in accordance with the Fair Debt Collection Practices Act regarding the following account.
I used Equitable Acceptance Corporation to consolidate my federal student loans and apply for income-driven repayment. The company misled me into making monthly payments directly to them, saying the payments were going towards my student loans. Additionally, this " loan '' from Equitable Acceptance Corp. is being listed on my credit reports as a Credit Card. There services are false, misleading and a scam.
I just reviewed my scores on   XXXX   XXXX   and I was shocked to see all the stuff thy posted as debt. I never received any mails on this but harassing phone calls everyday which I am scared to answer.    XXXX   XXXX  not my account never have them  XXXX   XXXX  which I have  XXXX   XXXX   XXXX  bundle for a long time have all bills from them Hospital bills I have a good insurance and do n't know why additional charge with no letter
Several of my accounts at Transunion are not reporting monthly as required by law. I have two XXXX  XXXX credit cards that have not been updated since XXXX 2017. I have contacted Transunion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time Transunion blames XXXX XXXX, however XXXX XXXX has provided me with proof of monthly reporting to Transunion. Another account I have XXXX XXXX Transunion is with holding the reporting of this account. Another account XXXX XXXX loan again not reporting monthly payments. 
I have contacted all companies and have proof of reporting to Transunion. XXXX XXXX has filed their own investigation as to why they have not reported my payments in 4 months. Enough is enough. Transunion is manipulating credit scores.
I have a collection account on my credit report listed as Harris & Harris # XXXX. On XXXX XXXX, XXXX I mailed a debt validation letter to Harris & Harris requesting validation of the alleged debt per the Texas XXXX. As of XXXX XXXX, XXXX I have not received any type of validation or response from Harris & Harris, however they are continuing to report this account to the credit bureaus which is considered a collection activity. I have no knowledge of this debt and have received no communication from Harris & Harris at any point.
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9700.00} Unknown Judgment 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Dismissed BankruptcyChapterXXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Unknown Judgment 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. INQUIRIES : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Telerecovery ) on and around XX/XX/2018 which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information ( Telerecovery ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : # XXXX, amount {$310.00}. I also requested that ( Telerecovery ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Telerecovery ) did not respond to this request either.
Synchrony Bank has been non-responsive and lied to me about the status of my billing disputes. They sent me a letter that is dated XXXX XXXX, XXXX stating my account will be credited {$3700.00}, but these credits never posted to my account. Also, this is not the full amount under dispute, which is {$7000.00} for XXXX transactions. I called on XX/XX/XXXX and XX/XX/XXXX. Each time they confirmed the dispute ( s ) were resolved in my favor, the correct amount of {$7000.00}, and these credits will be applied to my account, which never happened. I called on XX/XX/XXXX and was informed there are no credits pending and there is no record of this letter I received on XXXX XXXX. They requested me to fax the letter to them, which I did with a cover letter and have not received a response. 
Previous history : The first letter I sent was on XXXX XXXX, XXXX regarding disputing transactions from XXXX to XXXX. Synchrony acknowledged receipt of my letter on XXXX XXXX. I called in XXXX and was informed I 'll receive resolution letter within 30 days. I received nothing, so sent a second letter on XXXX XXXX, XXXX. Once again, I received written acknowledgement on XXXX XXXX, same generic response as XXXX XXXX. Then my next communication was the XXXX XXXX letter. None of this is following the dispute process outlined under federal law.
I applied for a mortgage with a bank to purchase a single-wide manufactured home. The loan was pre-approved and because I was doing an FHA loan, the loan officer told me that I needed to pay for a retro-fit foundation and an engineering design and certification letter in order to comply with the FHA requirements for the loan. The seller agreed to split the cost of the retro-fit with me. The retro-fit was {$2500.00} and I paid {$1200.00} of that amount. I was required to pay for the Foundation Inspection and Engineer 's Compliance Report as well which cost me {$420.00}. After I paid for those XXXX items, the bank sent out an appraiser. Once the appraisal was turned in, the underwriter came back and told me that they could not approve the loan because they do n't do loans on single-wide manufactured homes. The loan officer knew this was a single-wide manufactured home from the beginning so this is something that they should have told me before I invested the money for the items they required. I paid for the appraisal in advance as well but I was able to get the bank to refund my money because it was their mistake. Because the loan officer did n't tell me that they could n't do loans on single-wide manufactured homes, I am now out the cost of the retro-fit and the Foundation Inspection and Engineer 's Compliance Report which was a total of {$1600.00}. The loan offer and bank refused to refund my money even though they admitted that they should have never allowed the loan to get that far in the process on a single-wide manufactured home.
On XX/XX/XXXX I sent a letter to National Credit System ( Account # : XXXX ), disputing the debt as they have been reporting this item on my credit, however this account was unauthorized and is a result of identity theft. 

They received the letter on XX/XX/XXXX. I concluded their receipt via USPS certified mail ( Tracking # : XXXX XXXX XXXX XXXX XXXX ). It is now XX/XX/XXXX, 53 days since they have received the dispute letter and I have yet to receive a response from this company. 

This is an unfair practice as they have ignored my direct communication with them. They are reporting an item that I did n't authorize on my credit and this is preventing me from moving forward with credit purchases. 

Because of the nature of this item, I requested some type of proof of the original business transaction that binds me to this debt. This is well within my rights according to the Fair Credit Reporting Act. I have n't received anything, and the item is still reporting to me credit. 

Please hold this company accountable immediately.
I had another person 's name, address, phone number, and 31 adverse accounts mixed in with my credit report dated XX/XX/XXXX. I disputed this incorrect information with both XXXX  and the creditors by mail and numerous calls. I finally received a corrected credit report dated XX/XX/XXXX. During this time my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$5000.00}, ( XXXX balance ) and my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$2500.00} ( XXXX balance ) were both closed. My XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$10000.00}, has been drastically reduced to {$1400.00}. All of these good long standing credit accounts were affected due to the incorrect information received from XXXX. This has ruined my good credit and none of it was my fault!!!
Car loan is with Ally Financial we purchased a XXXX XXXX XXXX : Issues : 1 - I requested Ally to note my account that I would be paying my car payment bi-weekly. Yet we were bombarded with phone calls mid-month for the full payment 2 - late charges were added to the account after the bi-weekly payment 3 - When paying using Ally 's online system it would take weeks ( 2 to 3 ) before the payment would be taken from my bank account 4 - If the payment was called-in it would take weeks ( 2 to 3 ) before the payment would be taken out of my bank account 5 - Payments made through XXXX XXXX status of processing for weeks My mother and I are on the loan, I am the co-borrower. Unfortunately, my mother had to file bankruptcy. We received a Consent Order Modifying Automatic Stay and Co-Debtor Stay indicating that payment had not been made since XXXX XXXX and in order to keep the car we would be required to make monthly payments of {$960.00} from XXXX XXXX to XXXX XXXX. 

I contacted XXXX XXXX in XXXX requesting a payment history for all payments for my Ally account number. XXXX XXXX customer service first told me that the verbal request was all I need but when my mother contacted they required a form be filled out. We submitted the form on XXXX XXXX. XXXX XXXX questioned my mothers authority to request the payment information, we resent the form with both our information. 
We have yet to receive the payment history.
i gave a rep XXXX who told me i would be able to get XXXX of equity out of the house when i closed. i did not get the money and was told rental income was reported on my mortgage without any signed leases that i am aware with.
I was enrolled in a Private student loan with My Great Lakes. They have failed to give us relevant information regarding interest rates and repayment options and should be considered as corrupt and fraudulent actions against us. They have taken advantage of us with each payment paid and lack of customer service support. On many attempt I have called and made payments designated to a specific loan yet it was assigned to another loan instead.
I have a video of racial discrimination and anti trust. They also provided us another customers credit report and refused to give us our own report they pulled. Their reason for denial was them giving us XXXX XXXX report who has a XXXX credit score which I shouldnt know but XXXX XXXX and XXXX XXXX in conjunction are crooks.
I noticed that my credit report is reflecting late payments on two accounts from America Express. These items are inaccurate because one account is paid in full, and the other account is in good standing. See enclosed documentation. 
AMERICAN EXPRESS : # XXXX ( account is current ) AMERICAN EXPRESS : # XXXX ( paid in full ) I notified the business on XX/XX/2018, requesting the removal of erroneous information from all three credit bureaus. Additionally, I asked for a written statement of their verification process. I received neither.
I lost my husband and I have been devastated the past year, barely able to function. I was told that I could not do anything with this home until the probate went through and approved by the court. Finally at the end of last week it was approved and it was given to you immediately. You have postponed the sale for 30 days to allow the probate to go through and as of yesterday I was told that SPS will not give me 45 days to close this home and to pay them off in full. That they are blaming me for not contacting them in the past year. 
I have mentally and emotionally being struggling XXXX trying to stay strong for my daughter. I did not understand how this can work and I had a hard time dealing with it. By SPS by foreclosing will be handing over close to {$100000.00} in equity to an investor, this seems like a total mean spirited action. This money can be used to help our raise our daughter, her education and many other things that will be needed. I feel that you have an alternative motive of someone else profiting on this situation. I do n't know what else to believe.
I have student loans through Navient and was seeking to resolve my loans. 
My school XXXX did n't fulfill the promise of certification and job placement after graduating. Now, I am just seeking not to payback the loans I have. My school XXXX has been re-named to XXXX located in XXXX, AL. My name is XXXX XXXX XXXX.
I have a credit card with capital one they restrict my account because they think it 's a fraud issue. Have so many problems because I sent my personal information more than 5 times even if speak with some one to make sure they receive it. After confirming 3 days after manager who handle my case transfer out to another department and I have to resend my I formation again. No one in customer service can resolve the problem because every time they have someone different and I have to star over the process.
I believe I complained about Equifax, XXXX & XXXX but now there is more. Short overview. I sold a house XX/XX/2018. XXXX  XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a XXXX  balance. I saw a document on one of the bureaus that stated I have a XXXX balance with them but yet that same bureau shows I owe XXXX XXXX over {$58000.00}. 
I will enclose my letter from XXXX  XXXX that states I owe XXXX.
Company has let my credit information to be accessed by unknown entities and now has placed my private information in potetial hazard. Company also sold stocks to protect value of company which is a insider traiding scheme.
I was contacted by a company called XXXX XXXX XX/XX/2017. I was hesitant but I was also overwhelmed with the amount of school loans I owe. I thought going to college would better my future and the only thing it has brought me to date is more debt and extra stress. Being a young woman trying to make a way for herself, I was easily fooled into believing that XXXX XXXX would be a great way to pay off my school loans. I did my research to see if it was a scam or to see if i saw anything negative about the company. I did not find anything negative. Being that I don't have many family members to ask questions about college I just trusted that I was doing the right thing. After signing the contract and being told I was on the {$0.00} dollar payment plan I was excited that I was able to pay off my school loan at a great price. Not putting the pieces together & realizing If i was eligible for the {$0.00} payment, why was I having to pay {$49.00} a month? I was told I did not have to pay till XX/XX/2017. After a month from XXXX, I realized there was a charge added to my Credit for Equitable Acceptance in the amount of {$1500.00}. Which I was NEVER told there would be an additional charge added to my credit on top of my original school loan. Confused & Worried I contacted Equitable Acceptance with my concerns. I was told that after a while the original school loan will drop off but i have to pay the full amount of {$1500.00} in order for my loan to be completely gone from my credit. I also contacted XXXX XXXXXXXX my original Loan provider which told me they do not deal with Equitable Acceptance and that there was nothing that could be done from their end. Knowing that I was in a contract just paid the {$49.00} per month on time just to avoid any negative marks on my credit hoping that eventually my original loan would start to go down. Here we are a year later and I still owe the school the original amount, while also paying Equitable Acceptance for 3 years is insane!. I was contacted the end of XXXX by XXXX XXXX stating I had to re-enroll. Which raised a red flag for me and i started doing my research again. After speaking to a few different people and contacting XXXX XXXX my original school Loan provided I was guided into this direction. I am a hard working women just trying to make a way for myself. Regardless of what was told on the phone it's obvious they have fooled many other college students. This must be a new company because now the reviews are numerous and its all the same exact story. When you get the original call from XXXX XXXX they state this is a " STUDENT FORGIVENESS PROGRAM '' any person can make the mistake of believing your loan will be forgiven.I was never once informed on the phone after the 3 years you will still have to pay your original loan.
Ally Finan I Inquiry from XXXX XXXX, 2016 Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
XXXX XXXX, XXXX is when I had received the loan. Legally its suppose to be off my credit in 7 years and its been over 7 years and they wont let me dispute it.