WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir or Madam, I had Federal student loans with XXXX XXXX that were transferred to Navient in XXXX. I attended XXXX and XXXX school, completing my education in XXXX XXXX. Upon graduation, I consolidated my loans with XXXX XXXX. I recall having an APR of 1.9 percent upon my consolidation. I noticed that a XXXX statement from XXXX XXXX has 2.6 percent. 

Recently, in just the past month or so, I have received an email from Navient stating they have accepted my deferment request. I emailed their help center and told them this is an error, or someone trying to hack into my account, since I DID NOT request a deferment. They sent an automated email back saying they are sorry I am having financial difficulty and options under such circumstances. They could n't even bother to have a human read my complaint/error report. Additionally, my APR is now 2.85 percent. I consolidated my loans at a fixed APR for the life of the loans. 

Navient has no after hours helpline, and since I am in Hawaii and they are on the east coast it is very difficult to find time to call them during the work day. I will obviously make effort to call this coming Tuesday morning first thing since I am extremely frustrated and feel cheated. 

I feel something criminal is happening and all Navient can do is send automated replies after 8 days of my written error report. I have had much better luck with email inquiries with companies such as XXXX, XXXX, and others. Naivent seems very shady and I am going to look into an alternative company to house my student loans. 

Thank you, XXXX
I opened an account with Best Buy about 5 years ago and I have noticed another company stating that I owe Citi bank who I think is best buy {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to best buy and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.
I sent letters to the 3 credit bureaus ( XXXX XXXX, & Equifax ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, XXXX   & Equifax respectively on XX/XX/2018 ( letters 1 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18 & XXXX : XX/XX/18 ( letters 3 ). 

Equifax : XX/XX/18, XXXX XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, XXXX, and Equifax to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Bank. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.
I was sold a predatory loan at the University of XXXX in the XXXX XXXX via their bursary office and XXXX Bank in XXXX which then was bought by Wells Fargo ( specs avail ). I was never told that I would pay interest only first, also encouraged to pay the minimum payment ( see billing ), was told I could not refinance 8.5 % locked rate and that they would capitalize the interest during hardship! Moreover, minorities were given higher rates and the loan was sold to XXXX loan servicing so you could not refinance with them ( not a bank ; brilliant move by all parties involved ). I 've paid more than {$47000.00} for a {$30000.00} loan and still owe {$42000.00}! I was finally able to move the loan to XXXX years later which offered reasonable terms but still a high rate of interest. Many of us were taken advantage of by CU/Norwest/WellsFargo/Nelnet combo XXXX I have spoken with the FTC and they told me to take it up with the Dept of Education and Congress, they make the rules. No question universities and banks colluded to offer horrible terms in the XXXX XXXX to tens of thousands of people. XXXX said she would fight for us that were taken advantage of by Big Banks and she has done nothing. So let me get this straight, the US government bailed out wrecked banks, gave them money at 0 % to help consumers with bad loan terms and to boost the economy, yet it never trickled down to us that actually pay student loan debt ; in fact, you offered loan forgiveness to many except for those that actually pay their loans. I 'm working with a lawyer to put this whole University of XXXX, XXXX Wells Fargo XXXX story out there and how the CFPC has done absolutely nothing since my first complaint. I pay my debts and a reasonable rate and terms I 'm willing to do, but what happened to many in the late XXXX early XXXX is shameful ; the US government lends banks money for almost free and they turn around and crush citizens with horrible rates and terms. Why have n't you helped us? I 'm still paying a high rate of interest at 6 % ... The government should cram down rates for all high rate student loans and actually protect us from predatory bank practices that continue today. That would help the economy and not just the investor class.
I sent this company a request for debt validation in XXXX 2015. No information was ever received so I then submitted a complaint with you Case number : XXXX in XXXX 2015. The company responded and claimed they never received my request in XX/XX/XXXX and said they would send me a copy of the judgment but do n't have my address. I did not ask for a copy of the judgment, also never did receive one. I asked for them to prove the debt was mine. I then disputed their response with you and then never heard anything back, nor received any information what so ever since XX/XX/2015
I was contacted by the law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX regarding a debt owed to State Farm Bank for a credit card account from XXXX. The attorney I was in contact with used threatening tactics claiming I 'd be sued in XXXX for the account if I did n't immediately get on a payment plan to resolve the debt. After several emails back and forth and my mother offering to assist me pay the debt, we agreed on a settlement for the amount of XXXX and the debt would be considered settled and paid in full. I was told I could only communicate with this firm and not State Farm Bank but the payment would need to be addressed to State Farm Bank directly and not the firm since the law firm only represents their client but they do not have the debt directly in their offices. 

The debt was paid and settled in full per my agreement and any lawsuit pending against me dropped. I received a paid in full receipt from the law firm and the debt was considered resolved. In XXXX, I was notified by my credit monitoring services that the account was reported as paid and resolved and no longer negatively impacted my XXXX XXXX and reports. 

As of XXXX XXXX, XXXX, the account was reported with a zero balance. As of today, XXXX XXXX, XXXX, the account was reported as XXXX in the amount of XXXX. This is the same account that was originally collected on and paid/settled in full. I contacted State Farm Bank and they told me the account was resolved with no balance and they informed me they 'd send out proof for the account being resolved, however ; I received XXXX different credit alerts today and my score has changed due to a new account from State Farm Bank being reported as late, charged off and delinquent.
I missed 1 payment of about {$100.00} due to illness and I just forgot. I got my next monthly statement on XXXX/XXXX/XXXX stating that my payment was late and that my next due date was XXXX/XXXX/XXXX. But a few days later I began receiving calls at work 2 to 3 times a day for about 4 days. The. they called this past Saturday & Sunday too. This has been the only payment I 've been late on in about 5 years. I consider their actions harrasment.
This complaint is concernin g a 4 year old  medical bill from  XXXX   XXXX    XXXX    XXXX . The bill is for the amount of {$270.00} and it 's been destroying my credit ever since. I only saw the doctor twice, he gave me a the wrong medication, which really did a number on me, and then later on. I find out that this doctor was in fraudulent activities, which includes {$200000.00} in bribe payments in a dubious scheme involving a   XXXX   XXXX   XXXX   XXXX  . I 've tried to talk to them, but the nurses that work there are nasty and just hang up the phone on me. Moreover, then they would call me, they would threaten me and tell me if, I did n't pay the doctor, that there would be some serious consequences.
After paying XXXX they sent me a bill saying that I still owed them money and late fees. I called them to settle the issue. Spoke to a representive and supervisor on XX/XX/2017 on XXXX seperate accounts, XXXX and XXXX.Bottom line we cleared all accounts.They agreed to dismiss the XXXX.dollar late fee for XXXX which paid that out..XXXX had a late fee of XXXX dollars on it, be reminded that these bills were paid in full. They were sending me a bill for late fees. To clear out all accounts as well as future accounts I agreed to pay the XXXX dollars late which I did at the time and close out all accounts. They agreed and we proceeded. On XX/XX/2017 I received a letter from them stating that I had until XX/XX/2017 to send them XXXX dollars.After calling them again and reminding them that they made this arrangement, they said yes but after further investigating they could not do it. To me you made the arrangement, we settled it and I'am done. XXXX, instead of excepting their responsibility puts a negative report on my credit report never mind the fact that I have been dealing with them for years with serveral differant accounts with never a problem but this was of their doing. I WONT IT OFF!!!
I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XX/XX/XXXX I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XX/XX/XXXX Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XX/XX/XXXX I resent the original request from XX/XX/XXXX to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XX/XX/XXXX I  received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XX/XX/XXXX requesting signed application ( ATTACHED ) 4. XX/XX/XXXX I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XX/XX/XXXX again Portfolio Recovery sent me the same letter sent on XX/XX/XXXX instead of sending me the fraud packet I requested on my previous letter to them on XX/XX/XXXX ( ATTACHED )
I was an authorized used on a Cabelas credit card, the owner of this card asked that I be removed as an authorized user and told the owner that they would update all 3 credit reports. This has not been done and this is still being shown on my credit report
On XXXX/XXXX/16 I was approved for a {$500.00} loan via Big Picture Loans. I was informed that there was a finance charge of {$170.00}. Everything that I was told indicated that this was a ONE TIME charge that would be paid with the first installment payment of {$170.00} on XXXX/XXXX/16. It was my understanding that {$170.00} would be debited from my checking account until the loan was paid in full. {$170.00} was debited from my checking account on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I recently checked my balance and saw that it is still {$670.00}. Customer service informed me that the {$170.00} debit was only a finance charge and that no principal had been paid. This is outrageous. I paid Big Picture Loans {$700.00} in interest with no impact on the principal. I was completely misled. Having taken out the occasional payday loan in the past, I was totally taken by surprise as this has never before happened. This operation should be illegal. 
Thank you for your help, XXXX XXXX
This company XXXX XXXX have a account that's charged off with a XXXX balance reporting on my credit file and it must be removed, because the account does not belong to me and I do not need any name address and statement as proof, because such information does not constitute a validation, I've never opened any account with this company it's the duty of this data furnished to investigate and resolve the matter, not to send and ask me to send things to them I'm not paying any money to research this account it's not mines and I need it removed and your address is reporting incorrectly ....
XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!!
There are three ( 3 ) recent inquiries ( XXXX XXXX XXXX, XXXX. - XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ) that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Additionally, my credit file has been breached according to Equifax 's very own records.
since XXXX bank of america has charged my credit card account to XXXX do not owe B of A XXXX say they revoked my previous fraud award monioes this year XXXX some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXX originally tried to purchase the 3 days of XXXX with bankamericard which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for male XXXX enhancement drug which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.
I contacted the collection agency by letter written on XX/XX/2018 to negotiate the debt they claim I owe them, try to negotiate the debt by paying a portion of XXXX it to be delete from my credit report until at the moment. I have not received any response about it.
My husband and I came out of Chapter XXXX two years ago. Seterus is the XXXX mortgage on our home and they never took us out of BK status, in spite our numerous attempts throughout these past XXXX years. Every time we call they tell us exactly the same : It shows here that you are represented by an atty. and we ca n't speak with you. We sent them discharges, letters stating that we are no longer on BK or represented by an atty, etc etc. They take our info, never call us back, and when we call back nothing was done. For the past two years they have not sent us statements, they do n't allow us to pay online or even see our acct on line, we do n't know what payment we are making or if we are up to date or behind. We have asked insistently to allow us to get online so that we can put them on autopay but they state " we ca n't because the acct is on BK ''. We are finally now in a position to refinance and go from XXXX mortgages that amount over {$1800.00} a month with very high interest rates to XXXX that would leave us with only XXXX payment of about {$1300.00}. We have been asking Seterus for a payoff for the last XXXX weeks and they are not sending it to us. Every time we call they state something different, but the theme is that we are represented by an atty. and they ca n't give us a payoff. The worst part now is that since they have not communicated with us or sent us statements they state we are 4 months behind on our payments which means that we wont be able to refi since the lender, of course, wants to see 12 months of no late payments. All of our accts are on auto pay and up to date except for that XXXX and that is because they wo n't allow us to do that. My husband is XXXXemployed and he got hurt at work, XXXX and he is XXXX years old. He has been unable to work for the past 6 weeks which is starting to put us behind. We are completely ready to refinance except for the Seterus acct. 
We would appreciate any help as we are unable to retain an attorney at this time but we considered this being unacceptable and abusive. 
Thank you!
I have been receiving numerous robo phone messages from VAN RUE CREDIT CORP at XXXX for months. These repeated voice messages clog my ability to retrieve regular phone messages. I have good credit and have never been notified of any outstanding debt. They should stop immediately.
This complaint is regarding my recent loan consolidation with Nelnet. This amidst another complaint at the CFPB XXXX as clearly the issues were not resolved. The application ID is ID : XXXX. I am doing this amidst having applied for a Borrower Defense Discharge based on the rationalization that it will both speed and ease this eventual process and also in light of seemingly parked malicious ediscovery efforts linked to my accounts and uses of these loans by other groups at the Department of Ed for other purposes while those involved plan around using them in a situation where they are actively involved in prolonged privacy and human rights violations and actively seeking to compel my financial destitution and relying on these things in their takeover of projects like copyright XXXX. In my application despite having updated my address and email at multiple US Dept of ED departments including the FSA my address on my consolidation application reflected XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It also contained my former XXXX email address. As stated I updated this at other departments, Social Security had to confirm and not sure why this not synced. However, I made sure to correct and change this to my current contacts. In my application I included two individuals who are working on my issues due to the unusual nature of my personal circumstance XXXX XXXX from XXXX XXXX and XXXX XXXX of the US Department of ED. I think General Counsel from XXXX XXXX  XXXX XXXX would be someone also. However, I included the correct address which is different from my own. However, despite consciously doing this I received an email from Nelnet indicating I had provided an incorrect address or the same address as my references. Neither were correct statements and it is not clear what is going on but I believe a possibility that my application being sabotaged in light to the issues described in efforts to stall and delay.
1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code.

6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit XXXX Notice
IN REGARDS TO : SANTANDER XXXX XXXX XXXX. BOX XXXX XXXX XXXX TEXAS XXXX. I REQUESTED A DEBT VERIFICATION AND VALIDATION WITH PROOF OF ORIGINAL CONTRACT BEARING MY SIGNATURE THROUGH CERTIFIED XXXX DELIVERED ON XXXX/XXXX/XXXX SIGNED BY AGENT XXXX XXXX. TODAY WHILE CHECKING MY MAIL I RECEIVED A LETTER OF VALIDATION WITH MY NAME AND SOMEONE ELSES INFORMATION IN THE STATE OF OHIO. I ASLO RECEIVED MY XXXX AND XXXX REPORT WITH INACCURATE REPORTING ON MY REPORT. XXXX TRULY FEARFUL THAT MY INFORMATION MAY HAVE BEEN COMPROMISED AND SANTANDER HAS DONE NOTHING TO RECTIFY THE PROBLEM. NONE OF THE PAPERWORK THEY SENT VERIFIED THE DEBT WAS MINES BUT THEY HAVE IT UNDER MY NAME AND SOCIAL SECURITY NUMBER. THERE REPORTING REMAINS ON MY CREDIT REPORTS AND I NEED HELP IMMEDIATLEY.
XXXX XXXX, XXXX Synchrony Bank Payment Research Department I had a XXXX XXXX Credit Card through your bank. The card was transferred to XXXX XX/XX/XXXX. I got a new card but I did not change the Account Number on my online banking. As a result I sent two payments to Synchrony Bank. These payments should have gone to my new XXXX XXXX XXXX account. 
I have had a great deal of trouble communicating with Synchrony Bank and would really appreciate some help with this issue. 
I made two electronic payments. 
{$140.00} on XXXX XXXX, XXXX {$81.00} on XXXX XXXX, XXXX I used my XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX The payments did not bounce back to my account or get transferred. 
My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like those payments transferred to my XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX I am including my Banks Proof of Payment
I signed up for Pay Power XXXX Visa card to get a refund of my tax return from XXXX online and upon receiving my card and calling to activate it, I discovered they had a block on my card. I correctly verified all information and was advised my XXXX XXXX Visa card would take 3-5 days to release the block. Why when I verified all information accurately? I offered to send a copy of my ID and SS card to ensure I am the person I say I am and was told it would still take 3-5 days to release my funds and I would not be able to activate my card. I received the card in the mail on XXXX/XXXX/2015 and was told the block was put on there 2 days prior while the card was still in transit. I was denied a supervisor, hung up on XXXX, and cursed at. When I attempted to go online to activate card it stated that the card number was not valid. It was never stated that there would be a block placed on the card before I even received it. I feel as though they are trying to cheat me out of my tax refund. I was told XXXX different stories by customer service and if I passed all the identity verification then why I am still being denied access to my funds? I was told that the block could be released today if I passed the identity verification. Then I was told 3-5 days. This is ridiculous!