WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have student loans through Navient. I have been struggling for years to try in lower my interest payments and also try to get income based payment arrangements. I currently live pay check to pay. I get roughly XXXX/bi weekly and they want my repayment to be over 1,200/monthly. No matter how many times try to send them my monthly expenses and what I have left ; sometimes not even enough money to buy groceries. With my monthly expenses and bills I roughly have about XXXX left for gas, groceries, personal hygiene ect.. I have been told by them to sell my car, walk to work, etc..They will only allow me to set up payment online/calling them by credit card or my checking account. I have never been giving the option to send a money order from my bank. As an educated individual trying to pay back student loans with what money I have left, I continue to get harassed by many many nasty phone calls from Navient along with my family members. Please help me to get a solution resolved with Navient and a less stressful loan lender willing to work with me based on my finances.
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX   XXXX XXXX, XXXX don't have the required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. I told XXXX XXXX XXXX, XXXX Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity and they told me no. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report and they told me they don't have it. XXXX  XXXX XXXX, XXXX failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If XXXX XXXX XXXX, XXXX are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
I opened checking account with US Bank and bank without my knowledge opened a line of credit. I did n't want it and they refused to close it. After my complaints they closed my checking account.
I was ripped of by a shady mechanic and contested the charges under workmanship. Ace rewards reversed the charges at first. They did nothing for over a month even though I called and asked what I need to do. Then a day or so before XXXX they contacted me and said I had to have paperwork from an independent mechanic by the following Monday. Almost impossible to do but I did it. Then they contact me and tell me that I ca n't claim the full {$1200.00} charge that they have a policy that if I do n't somehow reduce my claim to below the original charge, that they will not process it. They strong armed me and reduced it by {$150.00} over my objections. No reason for doing so except it was their policy. Then a few days before XXXX they demanded more paperwork from the third party mechanic and wanted it by the following Monday or they would deny the claim. I paid the mechanic to do a pressure test on the engine for proof that the head gasket job was defective and got them the paperwork they required even on such short notice again. Then they deny the claim because the mechanic had written it on his invoice form and signed it. They said that I had 24 hours to get the mechanic to write it on his letterhead instead. It was impossible to do since the mechanics shop did n't have letterhead only printed invoice and quote stationary. Then after complaining to them, they denied the claim under incorrect billing criteria instead of the workmanship criteria. They pretty much told me to pound sand that there was nothing I could do about it short of find another mechanic shop that had letterhead and start over with them, pay them and get that info to them within XXXX weeks. All the mechanics I contacted did not use letterhead. They also just used invoices and could not provide an estimate and statement within that time frame. 

XXXX XXXX/US Bank did everything they could to prevent me from filing the claim. I do n't even think they submitted it to visa at all. As a result, we have been without the vehicle that does n't even run after repair, for over XXXX months now. Due to the damages that have resulted from the actions of XXXX XXXX/US Bank not processing the claim properly and with no intent to follow their own policies, I will be stopping any further payments on the account until we can go to court and have a judge settle it. I imagine the damages from the negative credit reporting will start accumulating as well.
I have an unverified account from DIVERSIFIED CONSULTANTS. I had previously disputed this account. I have never done business with DIVERSIFIED CONSULTANTS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED CONSULTANTS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED CONSULTANTS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.
I received a Notice of Servicing Transfer on XXXX/XXXX/XXXX stating that XXXX XXXX sold my loan to Carrington Mtg Services LLC effective XXXX/XXXX/XXXX. I called Carrington Mtg on XXXX/XXXX/XXXX to see what my new account number will be to reference on my mortgage payments. They stated that it will take 4-6 weeks for them to board my loan and that I need to call back every week to see if they have put my loan on the system. They state they ca n't accept a payment until it is on the system & they claim I wo n't be late until 60 days after the transfer. They ca n't give me anything in writing stating this & its absurd that I have to call every week to see if they did their job to make a payment on my mortgage.
XXXX XXXX XXXX is reporting to the credit bureaus that I have an outstanding balance on an old credit card account for {$530.00}. I am trying to clean up my credit, so I called XXXX XXXX, and tried to pay them. They told me that they no longer had my debt in their office. I have repeatedly asked them who does have the debt now, but they said they do not have that information. They are not giving me an avenue to resolve the debt, yet they continue to report it on my credit report.
I have had a car loan through Ally Financial Inc. for three years. I have had many issue 's with this company starting soon after. There have been a total of at least XXXX checks that have been " lost '' by this company. Forcing me to reissue the check. The call center for this company is located off-shore. The individuals working in the call center do not speak clear, concise English. They are unable or unwilling to help. Though they have no trouble in using many different bully tactics to intimidate and threaten. I have received up to 10 calls in a day. These calls are robo-dialed, when I answer the phone, I have had to hold on for up to 3-5 minutes to waiting on XXXX of these individuals to come onto the phone. The calls can come every 15 minutes, or every two hours. This company states they may record calls for quality assurance and/or training purposes. However, if told that they are being recorded, they state that they can NOT be recorded. I attempted to be nice in the beginning. I have now become just as rude and mean to these individuals in the same manner as they are to me over the phone. Ally encourages and condones the questionable business tactics used by these call centers. The one time that I did speak to an individual who was located in Texas. I was called " racist '' for having the utter audacity to complain about the inability of the off-shore call center to speak clearly and their inability to answer the most simple of questions. Now, for the first time, my loan has went past the 30 days, due to the fact, yet another payment has been lost, not received or not posted in a timely manner. Which adds another late fee, in addition to being reported to the credit bureau ( s ). I have resorted to sending payment with a delivery confirmation, which is an additional expense of XXXX-XXXX dollars, when I am able to. It is my firm believe that this company is conveniently loosing my payment in retaliation for my not quietly accepting the treatment by the associates, agents, employee and/or representatives of this company. The bully tactics, harassment, intimidation and threats, which are both express and implied, are going to have to stop. If this company expects respect then they need to show a little respect. The added stress that is directly related to Ally and their less than professional business tactics have started to affect my health. I would like for an investigation to be conducted concerning this business. This business needs to supply the requested documentation. I do not believe that a company can loose XXXX or more payments in three years. The bullying and revenge/retaliation tactics need to stop. I am considering bringing a legal suit against this company and will include the mental and emotional distress caused by this company.
Went to an XXXX and was not told the Dr treating me was not in my insurance plan even though the hospital is in my plan. Got bill for $ XXXX+ and tried to dispute with my insurance company and hospital. Time went by and got denied by insurance company. In the meantime got a settlement offer from the hospital. Bill was paid immediately via the hospitals website. Started getting collection calls from Bay Area Credit. Multiple calls per day on home and cell phone. Indicated I had paid debt. They then said there were XXXX debts for the XXXX and i paid XXXX but not the other. We never received XXXX bills only the XXXX.
XXXX XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c ) that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX.
I paid this to the company as it was going into collections. I think the company did not report this the the collections company.
Lease contract was signed on XXXX/XXXX/2016 and BMW XXXX was delivered same day. Noticed scratch on the rear panel and reported to the salesman, XXXX at XXXX XXXX. He arranged to pick up car 2 days later with a lesser class loaner in exhange. Car is being in the shop for 10 days, returning on XXXX/XXXX/2016. First payment was submitted through dealer for the XXXX/XXXX/16 lease date. Next payment due is XXXX/XXXX/2016, according to a billing error by BMW Financial. They claim that the dealer has submitted my lease with the XXXX/XXXX/2016 start date, even though the lease began XXXX/XXXX/2016. Nobody wants to assist and fix the error. They moved the due date 5 days earllier.
I have made several attempt to resolve a complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC regarding a Forged contract. I retrieved a copy of the contract from Nissan Motor Acceptance Customer Service. I ask for it because there was a discrepancy in dates from what the rep was showing and what my original contract was showing. I then asked the rep to me me a copy of what she has. I received a document that I never seen before with my " forged '' signature which appeared to be signed by XXXX XXXX ( Finance Manager ) whom I completed my paperwork with on XX/XX/XXXX. I received the lease vehicle and copy of my contract on XX/XX/XXXX. This newly created contract has a purchase date of XX/XX/XXXX which is indeed incorrect. I NEVER returned to complete any additional paperwork and the signature on the contracted date XX/XX/XXXX Is certainly not mines ( This can be compared to the original documents with " my '' personal signature ). 
Further more I brought this to the attention of the General Manager XXXX XXXX whom I had a conversation with. He tried to steer me away by advising me to file complaint against the x employee ( XXXX XXXX ) However I reminded XXXX XXXX that the employee represented the company ( Nissan ) at the time and technically because this is a forged contract should be viewed as a VOIDED contract. XXXX XXXX states he would call me back on XX/XX/XXXX with some possible solutions. To date I have received no return call. I have also reached out on numerous occasion after the forth only to be hung up on by XXXX XXXX ( General Sal Manager ) whom I have also spoken with regarding this matter. My calls are currently being ignored. This is poor & unprofessional business behavior. In addition to calling I have even gone to the location only to be told the managers are in a meeting. 
I have since recently filed a complaint with the Attorney Generals office regarding this matter. This has been very stressful to deal with and has caused a negative impact on my health. I do not intend to or will ever purchase another Nissan vehicle. ( This is my 3rd ) and quite frankly I have had poor experiences each time with them all. So the sooner I can terminate my relationship with Nissan the better I will feel and happier I will be. I do plan to seek legal representation if an agreement can not be reached.
For many years, I have been paying an extra amount ( {$100.00} I believe ) a month as to pay off my student loans early. Two years ago ( XXXX 2015 ) I was purchasing a home and my lender told me my student loan payments were too high. I called Navient and requested that they return my payments back to the original agreed monthly amount ( $ XXXX ). I was told by the company that this was not possible. The only option they offered was a solution to reduce my payments over the following two years and then increase them. I protested several times and they continued to say that this was the only solution they could offer. My payments have now ballooned to $ XXXX a month. Now that I am aware of the lawsuits against this company I realize I have been defrauded by misinformation. I called them again today and requested that they reset my loan back to the original terms and they refused.
My complaint is against the credit bureau Transunion. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Transunion has failed to sign the receipt for certified mail, my letter has been returned to me by my local post office. I have sent them my request for Transunion to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Transunion seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Transunion is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Transunion is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
I applied for loan back on    XXXX   XXXX  2017  I  was told that I was denied due to my   XXXX   score being low. I then called and ask what is the score requirement to be approved. I was then told that your score  XXXX  score should be  XXXX . Then I ask the rep what was my score showing in then say  XXXX . So he then say I can contact the company   XXXX   to try in get my score up and then reapply within 30days. So I contact   XXXX   to start the process to get my score up. So today    XXXX   XXXX     2017  my  XXXX  score is  XXXX . Which way pass the company requirement to get approve for a loan. So I reapply for a loan on today  XXXX .17 I was today I was approved for  XXXX . And the only thing I have to do was submit 3 months of bank statements. Once I submitted the bank statement I was told that I was denied. So I then ask why he rep told me that I would have write them a letter to get a statement of why I was denied. So then ask the rep what was my   XXXX   score she then state that my score was  XXXX  and the company requirement score is  XXXX . So at this point I am  XXXX  because why would the company tell me I am approved at first. And then ask for all my personal information just tell me I am not approved This company is a scam!
I got my credit report and it shows that I owe a medical bill of XXXX dollars but it does n't show name, phone number, address, or account number of the collection company. And i would like to be removed since it it looks fraudulent.
trans continental credit collection corp .threat to report me to the credit bureau.and calling my job and homeand threating letter in mail
In XXXX of 2014 I completely paid in full a debt. 
Original creditor : XXXX XXXX XXXX XXXX The collection company was XXXX XXXX. There address is XXXX XXXX XXXX Ma XXXX XXXX # XXXX ref. # XXXX # XXXX was paid in full for {$770.00} They are reporting the account as charged off. This is incorrect. It was paid in full and when it was they had advised me by phone that it would be removed form my credit report. As of today it remains on the report as charged off.