WillisBack/dataset-financial-user-claim huggingface dataset:
I have been charged an interest rate on my student loan of 6.8 % for the last 5 years. I have repeatedly asked for a lower rate that was on par with rates within the free market and have been told no every single time. Moreover, the people that I have spoken with have stated repeatedly that it is the government that sets the rate and they have no control over how much I pay. My full repayment is approximately {$580.00} per month. This is almost as much as my home loan payment and considerably more than my car payment. More alarming is that I have been charged this rate of interest at a time when my car loan rate is 2.1 % and home loan rate is 3.75 %. I am currently paying interest only and at XXXX years old, I can not see a pathway to ever pay off the {$44000.00} I owe to for the " education '' I received from University XXXX XXXX ( another matter as it is a for profit organization ). I am a single mother of a XXXX year old son whom I have not been able to save a single dollar for his education and he will be saddled with my loan if something were to ever happen to me. I was scammed from the very beginning from the counselors at the University XXXX XXXX to the Navient collection process. I have a nearly worthless XXXX and am at a loss as to how to remedy the situation despite my many conversations with Navient. This is unconscionable and as a tax paying citizen I want to pay back what I owe, but at this rate, it will be nearly impossible. I started my higher education to improve my life as well as my son 's life and at the end of the day, I am saddled with a worthless degree and a loan repayment plan that is not even remotely manageable. I would like to add that at no time did Navient ever take into account any other bills that I have, like so many other students, such as home loan, car payment, utilities, child care, etc ... Additionally, if I am so much as a week late with a payment, Navient calls me repeatedly on my cell phone while I am at work. I have had to block them as they have called me so much and I have not missed a single payment, ever ...
The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX on behalf of XXXX. XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ).
The equifax hack announced in XXXX XXXX, 2017 has affected my SSN. This has been confirmed by their official website with my information. That means that due to their negligence, my personal information is out there for someone to steal and use as identity theft. The lack of transparency from equifax is unprofessional, not to mention the fact that this happened in XXXX and they wait 2 whole months before telling the public.
I has XXXX miles saved up since 2011. My account was delinquent by {$13000.00} for 2 months. XXXX closed my account and took all of my points. The points alone could have paid for the balance. Total BS. Then XXXX told me if I paid the $ XXXX I can get a lower card instead of the Platinum. After I paid, I applied for a points reimbursement it was denied.
Equifax is attempting to close another complaint by sending out a letter asking for additional information. In that letter they provide a number XXXX -- XXXX which is an automated system that places consumer in a dead-end loop in which the consumer can not talk to anyone directly about issues. I attempted XXXX times to enter my confirmation number, social security number and street address only to be told by an automated system that the information was incorrect. I then attempted to open up a new investigation only to go through the same process. They are also requesting that I have to manually send information via the mail in order to provide of identity so that they may investigate further. That is a ludicrous excuse to deny access and also respond to a formal complaint first submitted to the CFPB several weeks back. The credit bureau is attempting to place an extra burden upon consumer in order for their company to stall and not respond. I am unable to provide an attachment but have the official letter sent by Equifax on XXXX/XXXX/15 in which they attempt to defer response to the previous complaint and require me ( the consumer ) to provide additional information. The reference number on the letter is XXXX which seems to be associated with the previous complaint but can not be confirm as there is no way to contact Equifax and talk to an actual person. 
Kind Regards, XXXX XXXXXXXXXXXX : ( XXXX ) XXXX
Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. 

XXXX never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. 

Either company can not produce our original contract. 

Communication and lying are being reported. Below are other reports of this happening off the BBB. 

GOVERNMENT ACTION Gov Action Utah DOPL On XX/XX/XXXX the Utah Division of Occupational and Professional Licensing ( DOPL ) found XXXX, XXXX employing an unlicensed individual as an alarm company agent. Respondent was issued a fine of {$400.00} which has been paid. 

GOVERNMENT ACTION Pennsylvania Attorney General Settlement On XX/XX/XXXX, Attorney General of Pennsylvania entered into a Settlement Agreement with XXXX, XXXX. According to the settlement, agents from XXXX allegedly made the following misrepresentations in door to door solicitations : XXXX agents said they were affiliated with the consumers ' existing security companies. 
Agents further said that consumers ' existing security systems and services n GOVERNMENT ACTION State of Texas v. XXXX, XXXX. 
On XX/XX/XXXX, XXXX , XXXX. and XXXX XXXX XXXX , XXXX. entered into an Assurance of Voluntary Compliance ( AVC ) with State of Texas. The State of Texas alleged XXXX  employees engaged in door-to-door solicitations for home alarm system goods and services in Texas without being authorized to do so as required by the Occupations Code and some of the XXXX  employees engaged in door-to-door solicitation in Texas after
Procollect Incorporated calls me at my phone number XXXX requesting payment of a debt for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. I have repeated and told procollect Incorporated on 3 different occasions that I am not the person they are looking for - XXXX XXXX XXXX XXXX. today I spoke with XXXX XXXX at extension XXXX XXXX XXXX and XXXX XXXX at extension XXXX XXXX XXXX and they both told me that my phone number listed above was taken out of their system. I called back and asked the receptionist to research the account based on XXXX and my phone number is still associated with the person in which they are trying to collect a debt. 

Previously when I receive phone calls from procollect Incorporated, I let them know that this number was not associated with the person they are looking for and I was assured my phone number, XXXX, was removed from their system. I get called from their collectors about every month looking for the person above in relation to the debt they are trying to collect. I do not want to be receiving phone calls from procollect Incorporated anymore. 

I wish my phone number to be permanently removed from their system and to never receive a collection call from Pro Collect Incorporated ever again. 

I have the voicemail from todays phone requesting to contact me at my phone number.
Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries. 

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives. 

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results. 

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + Automotive XXXX   XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

Sincerely, XXXX XXXX
I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX and Trans Union. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XX/XX/XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by XXXX XXXX.
I paid my debt in full with the creditors and they will not update my credit report. Ive contacted and submitted a dispute to Experian, XXXX and XXXX  and they stated they received my dispute and it was updated to the favor or the creditor. 

All three agencies sent me generic letters stating the findings remain the same. I have receipts for paid accounts and they will not update my account to paid in full.
XXXX & XXXX XXXX Our Mortgage NightMare We Bought our house in XX/XX/XXXX. Weve lived here for 14yrs! In XX/XX/XXXX I was recovering from XXXX XXXX XXXX XXXX ( XXXX XXXX ) [ House is in XXXX XXXX XXXX name my wife ] we called Citi Mortgage to get a loan Modification based on my XXXX and XXXX income. For the next 16-months Citi dragged us through the mud, every week they would ask us for the paperwork that we gave them last wk! 
In XX/XX/XXXX Citi called and the Loan Modification was denied for lack of income. So we told them we wanted to add XXXX tips ( she works as a Barista ) to do another loan modification they said ok. My wife makes XXXX mo on avg in tips. We even had her boss sign a letter confirming. 
We made cash deposits for the next 3 mos XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ... No response from Citi! yes or no ( Remember on average it takes 3-4 months to do a Loan Modification ) Every wk from XX/XX/XXXX till XX/XX/XXXX they asked again for the same paperwork we gave the week before. On around XX/XX/XXXX ( Wednesday ) Citi asked us to prove again the tip deposits ( REMEMBER WE ALREADY PROVED IT FOR 3 MONTHS ), And yet no call, no email! 
We have a XXXX XXXX bank acct, its not easy In Alaska putting cash in an online bank. So we only deposit when needed. I bought some XXXX XXXX as investment, So when they asked to prove it again because we didnt put tips in the bank for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., I couldnt transfer quick enough!! It takes 2-4 days and I hadnt even set up transfers. So Monday the XX/XX/XXXX they called and said No again. 
2 days later the XX/XX/XXXX we received a XXXX letter that stated Citi approved us for a Short Sale. They gave us until XX/XX/XXXX to decide Short Sale or go into Foreclosure. For 16Months The XXXX, XXXX and XXXX XXXX Weve been through has been tremendous. We were trying in the short amount of time they gave us to find someone to help us save our house. Today XX/XX/XXXX I called a foreclosure expert he told me to call Citi and ask if they already sold the house, I said why he said Its been sold to a 3rd party! Wow I couldnt believe it! I called Citi and after some prodding, XXXX at Citi told me someone gave a bid on the XX/XX/XXXX and Citi excepted it and sold our house on XX/XX/XXXX! Citi told me on the phone they made a mistake and would fix it after the XX/XX/XXXX the day we were suppose to make a decision on Short Sale or Foreclosure. UPDATE : We have received a notice of vacate from the people who supposedly bought our house. They gave us 10 days! CitiMortgage is now telling us theres nothing they can do! We need help PLEASE! The company that bought our house : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, NV XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, Ak XXXX XXXXXXXXXXXX XXXX
Citizens Bank took {$730.00} from my checking account three days after I made a payment of {$850.00} to bring my account current. They claim their credit department called me to get my permission. I received no such call. Their credit department would know that the account was current. They appear to be acting like XXXX.
US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank has disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many millions of mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I sent a letter to US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX by way of USPS XXXX XXXX XXXX XXXX XXXX, which was delivered XXXX XXXX, 2015 and XXXX for by G XXXX. The letter asked for confirmation of the public statements made by the Corporate Trustee, in particular, pertaining to their authority ( lack thereof ) in the foreclosure process. I did not receive a response.
XXXX XXXX XXXX XXXX ( " XXXX '' ) dispute ( not default ) Received letter dated XXXX XXXX 2011 stating all XXXX lease payments paid for term of lease matured. However, the XXXX online system indicated XXXX payments due. Substantial correspondence file in this regard including a number of letters to XXXX XXXX, XXXX XXXX XXXX.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Capital One Opened XX/XX/XXXX closed XX/XX/XXXX Capital One opened XX/XX/XXXX closed on XX/XX/XXXX XXXX
OnXX/XX/XXXX, I received a debt collection letter from A.R.M. Solutions, Inc. about a {$19.00} debt from their referenced client XXXX XXXX XXXX ( XXXX ). I returned the original letter, wrote them a cease communications letter and sent them via certified/return receipt mail onXX/XX/XXXX. <P/>A.R.M. Solutions, Inc. received my documents on XX/XX/XXXX. In my cease communication letter, I explained them I will be contacting XXXX about this debt and I do not want to deal with A.R.M. Solutions, Inc. <P/>The debt was written off sinceXX/XX/XXXX when I called XXXX. <P/>A.R.M. Solutions, Inc. ignored my cease communications letter and sent me another debt collection letter which I receivedXX/XX/XXXX.
I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX XXXX XXXX ( XXXX ). I have all payment history from the date of XXXX ' purchase but would like the prior seven years ' worth of history from Conduent. 

Payments began XX/XX/2006 and I've deferred for 18 months ( non consecutive ) throughout that time, making minimum payments and above for approximately 120 months. To date, my original principal balance of XXXX XXXX has been reduced by XXXX XXXX. I need to confirm accuracy by reviewing the history in total, as the original schedule was set to be paid in full after 120 consecutive payments.
A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing.
Our mortgage company is now called XXXX.XXXX. We requested our mortgage payoff on XXXX/XXXX and the company told us it would be received in 2-3 business days via email. We called back on XXXX/XXXX to check the status and the company told us no such request was made or they did n't have it on file so a new request for a payoff was made. Since then, multiple calls have been made, no email has been received. On XXXX/XXXX, another call was made requesting the payoff amount and verifying two email addresses that they should be sent to. I was told the email would be sent in regards to the payoff amount. Still, no email. Today I spoke to a supervisor, who told me she only received the request for the payoff amount on XXXX/XXXX and I told her it was originally requested on XXXX/XXXX. She said she would try and expedite it and due to our mortgage being behind, it essentially was a more complicated process. We simply can not get a straight answer and are running out of time. All we want is our mortgage payoff amount.
My XXXX father took out a reverse mortgage through Reverse Mortgage Solutions. When he passed away, our intent was to pay off the loan. RMS never sent notification to the heirs providing the rules, our rights, and asking our intentions, which were to pay off the loan and keep the house. My sister was eventually able to get them to speak with her over the phone and obtain the paperwork to submit stating her intentions to pay off the loan and keep the home. Over several calls she received many different claims as to what paperwork they had or had not received. My brother, the executor, contacted them asking for the payoff amount and received a letter stating ~ $ XXXX. My sister, an heir who had moved into the house, after submitting her intention to purchase the home, contacted them many, many times requesting information about how to proceed and after much avoidance, they finally told her they would have the house appraised and someone would be in touch. We never received the appraisal results or notice that an appraisal had been completed, which is what my sister believed she was waiting for to proceed. Eventually, she found out the house was going to the Sheriff 's sale, but we had never received notification of foreclosure. At that point my sister went to a bank to get a loan for the house, and was told the house had been appraised by RMS for ~ $ XXXX. My sister had more than the appraised value available and went to the Sheriff sale to bid on the home. An RMS representative showed up to the Sheriff sale and placed a winning bid of over $ XXXX, nearly 3 times the amount of the appraised value. My sister lives in the home and has tried very hard to work with RMS to purchase the home ; RMS did not, in good faith, work with her or provide her with the information necessary to proceed with paying off the loan, surely because they would have lost over $ XXXX given the appraised value. The sale is set to be confirmed in court on XX/XX/XXXX, where my sister will contest the sale.