WillisBack/dataset-financial-user-claim huggingface dataset:
I attended school at The XXXX XXXX of XXXX from late summer of XXXX until summer of XXXX. During that time I accrued over {$40000.00} in debt to attend one year of school. The application process through XXXX XXXX was ambiguous and non-informative. The only times of urgency for the loan were when it seemed like the deal was going to fall through. I was never explained the terms of the loan or how it could possibly effect my future, even with a cosigner. I was merely given a very large financial document to read. Being XXXX years old at the time, I feel as though some sort of council or assistance should have been given. Some aspect of coaching. I was instead urged on by the school financial officer to do whatever I could to get the loan. 

Fast forward to post year of school and there was absolutely no assistance in repayment. The only offer I was given was forbearance on the loan. I was never explained to that the interest would keep accruing, or if I was, it was quick and almost a side note so that I would n't catch it. The calling center was always outsourced to XXXX, I was rarely ever connected to a person that could fully understand me. I took advantage of my full 72 months of forbearance and then had to start paying things off. Again I was greeted with misinformation and no assistance on repayment. No IDR plan offerings, no refinance or anything. I could make interest only payments is what was offered. And that is where it sits today, I can make interest only payments or pay the full amount, which is only maybe a {$60.00} difference. 

I feel I was lied to, blindsided, and taken advantage of just so some junky for-profit school and loan company could make tens of thousands of dollars off of my youthful unknowing. I am now unable to afford a house for my family, I had to go back to school in a different career in order to even attempt to try and have a normal life and rack up even more debt. I currently have no way out other than to pay the payment in full every month in order to keep my credit score from tanking and to also avoid the consistent calls and pestering. 

Quick to collect money, stuck in a tar pit when it comes to helping.
I have a titlemax loan with the office in XXXX tn. I am current. I am not behind in my payments at all. However every single month since I took the loan they are calling from the time they open even days before my scheduled payment date. They are expecting and telling me make my payment right now. Within a matter of a day or two I am then being automatically threatened with your. At is what you put up am well take it. I only use my cell phone and my call log keeps track of all the times they call. Just since yesterday they have already called twice each day. Tonight I had the girl there demand I be at the office tomorrow. Told her I have a XXXX appointment and she copped an attitude be a use I had a drs apt . I had also asked are you going to keep blowing up my phone everyday like you have done every month since and she said well you was suppose to pay this already by XX/XX/XXXX and we are to call you. I told her that all they are doing is harassing me no. Stop and this was wrong and that I was going to report them. Told her because of holidays everything is running late and I 'm starting do do my bills now. She said well your social security was there on XX/XX/XXXX and I should have paid on that day. I told her it 's all been a long holiday weekend and I 'm doing all now and that I was a little short and had exactly XXXX on my card and you refuse short payments and cop attitudes if not all payment so I will have my payment because of money coming in. She again copped an attitude. I hung up and tried to look up cooperate # and she called and interrupted me using my phone to search for that number 3 times. I ignored call n had to start search again. Now I 'm reporting here because I 'm sure first thing again in morning they going to start bright and early blowing up my phone. This is beyond harassment every month. This is out right blaitened ignorance as well as bullying not to mention it goes right to the threat of taking the car. I have never ever in my life and I 'm XXXX now been so aggrivated and pushed to extreme anxiety from any company. Not even my mortgage company when I was way behind. And here I am it 's just a matter of a. Ouple of days past the due date and am otherwise completely current. Last month I was a cidently XXXX $ short and omg the calls demanding me to drive an hr and give them {$1.00} and then you better XXXX XXXX the {$1.00} .... Plus get. Barged {$16.00} I did n't even have. This office is out of control and in no way shape or form is conducting business in any form of a respectful way. If anything.g I would compare them to loan sharks and the loan shRks are better at conducting business. I am beyond utterlly Fed up. Also one additional thing. I have told them that I ca n't drive my car right now because the exhaust busted off and I. ant even fi. That because I 'm paying them but yet they still demand me to go there. So how am I to do that pay a cab $ XXXX.round trip to say hey now I ca n't pay because you wanted me here so here I am but the cab wanted their money. I ca n't win with this place. I will be making sure every single. All is in my log that 's for sure ....
American Credit Acceptance opened a fraudulent auto loan with my information. After filing a complaint with my local law enforcement, the FTC and reaching out to them to request additional information and remove the fraudulent information, they have not responded. I will be mailing a follow up letter today.
XXXX Health Care continues to bill XXXX XXXX for services rendered in a worker 's compensation matter. XXXX XXXX is NOT responsible for this debt, the worker 's comp. carrier is.
I received a refund for an broken item purchase on eBay from XXXX on XX/XX/XXXX shows up refund credit {$30.00}. But XX/XX/XXXX the fund is being held for merchant credit held for review. " American Express national bank ''. My prepaid bank account has started holding refunds for an additional 7 days and I don't even write checks or give them any reason to hold the funds my account is in good standing.
Sallie Mae XXXX XXXX taken on XXXX/XXXX/XXXX - {$18000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$15000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX I feel that Sallie Mae, along with their partner XXXX routinely engage in unfair, deceptive, and illegal practices I am the primary borrower and my mother is the co-signer. We strongly feel that Sallie Mae mis-represented themselves and had us believe that they were a federal student loan servicer and at the end of graduation, we find out that all of my son 's Sallie Mae loans were private which leaves us in terrible debt along with other federal loans that he also has to pay. 

We are currently in forbearance that will end in early XXXX. According to Sallie Mae, you are put in delinquency after the forbearance period if you can not start paying your regularly scheduled amounts. This is just horrendous not only for me who literally do not make enough in my first job out of college to be able to pay these loans back, but for my parent as well. 

I am also currently also paying other loans. I need Sallie Mae to work with me according to what my currently salary so I can at least start paying back what I can afford to pay back. I 've been told my Sallie Mae that I literally have to be delinquent first, which will ultimately affect my credit, as I 'm just starting out in the corporate world. What are my chances of success if I have to stress so about this currently situation. This is really tough and unfair and clearly I was completely taken off guard when I found out these were all private loans when all along we thought they were federal and under XXXX. 

We need alot of help with this student loan crisis which not only affects me, but includes millions of other young people.
Equifax other account they the put onto my credit report are : XXXX/XXXX/XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX reporting closed should be reporting openPlease fixed this Equifax. I am honestly truthful attaching report. Please carefully review report.
This is the sixth time in 2 years i have complained about this company ever since i bought this car from them we have so far paid more then XXXX in repairs for the past 3 months we cant even get this car to pass emission and therefore cant get our tag the car has been undriveable we informed them but they still report us late on our payments they will not take the car back and have attempted to process payments we told them not to causing us extra charges they claim to cfpb that they try to work with customers but they do n't
My complaint is against US Direct Express. I had {$600.00} fraudulently withdrawn from my card on XXXX/XXXX/2016. I noticed the unauthorized transactions on XXXX/XXXX/2016 and contacted direct express @ XXXX XXXX XXXX and notified a rep of the situation. The rep canceled my card and sent me a new one and also sent me a fraud packet to fill out explaining the fraud that occurred. After completing and sending back the required forms weeks passed I had n't heard back from direct express. I called to check status of my dispute and a rep told me my case was closed because there was not enough info to determine if fraud had occurred. They never contacted me or notified of anything. I was then sent a letter from XXXX XXXX in fraud dept. days later with a bank statement explaining to me to circle the fraudulent transactions and return to have my case re opened. I returned the required document immediately and once again I have not heard back from direct express concerning my issue.. I 've tried contacting XXXX XXXX, the lady of the fraud department handling my case, and have got nothing but voicemail. I 've left messages that have been unreturned. It is now XX/XX/XXXX and I 've been {$600.00} short for 5 months, struggling to live with the small income I do have. I beg for help as I do n't know what else to do.
I refinanced my auto loan with USAA with my father as co-signer in the auto loan. As part of the part I add extra insurance called a Debt Protection Coverage which covers if I or he become XXXX and/or dies the loan is paid in full after the 30 days waiting period. There was clause in the Disclosure of the Coverage that the only way that the coverage could be canceled is that the primary ( me ) dies or that I submit in writing that I want the coverage canceled. Unfortunately, my father passed within shortly after the signed that contract with USAA. My family and I received condolences from USAA and thanking us for my father service in the military. They requested a copy of my father 's death 's certificate. Of course, we complied with the requested because at the time it seem that financial institution request an official copy of the death certificate. In the process without any notice, USAA cancelled the Debt Protection Policy on the Auto Loan. I did not send in any document to try to active the policy on my father behalf this was some that they did on their own. I have contact their numerous times requesting documentation on why the policy was fraudulently cancelled and I have been hung on or place on hold for over 1 hour and half. I 've even went into the bank to the teleconference banking and they refuse to send me the documentation as why the policy was fraudulently cancelled. Since the cancelation, I have been diagnosed with XXXX and been XXXX by my condition. This situation is ruining my credit and should not have happened because USAA acted on the account with my knowledge and still will not provide any documentation as to what the damage that they did to the loan/contract agreement.
Original Creditor Name XXXX XXXX XXXX XXXX  Opened XX/XX/, 2015 ( 3 yrs, 8 mos )  This is Probably the wrong Date and also they have not validated my details l asked. How much l paid and what type of contract it was. It was not a contract but Month to month and hence should not be owing. 

Tried asking for details on how much was paid and how much the contract was and proof of the signed documents to verify what they state l owe and nothing has been shared
Here 's my cleaned up version : Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
I checked my annual credit report that I get free and noticed a company called XXXX on the report. This was around XXXX of 2018. I sent a letter certified to XXXX at their location in XXXX, Fl that was on my credit report. I asked for verification of the debt as the company they had listed I had never done any business with nor owed any debt to. I asked them to send me details such as a contract, invoice, statements sent and any verification the company took to verify and the person 's identity as I am sure this is not my debt. I received a letter back about a month later stating they had verified the debt is valid and then they started to send me invoices and statements. They never sent me any proof other than they deem the debt valid with nothing of substance. 

On XX/XX/XXXX I sent yet another certified letter demanding proof they had the right person. I asked for a contract showing they had the right to collect the debt on the company they are portraying to be collecting on behalf of and if they have rights to collect in my state. I also asked yet again for any proof that the debt is valid. 

Contract or Agreement of the debt identification used to verify said persons identity anything showing the debt is valid and belongs to me and not someone else
Kinum, Inc. Corporate Headquarters XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Initial call from a XXXX XXXX CEO from kinum.com, said straight up is this " Insert Name '' with Social Security Number such and such. If wrong number, peoples identity were compromised. Never said hello, or anything to alert the other person on the end of the call what call was about. If wrong person ( cell numbers change often ), private social security number and name could have been used to create fake identity from a 3rd party.
He threatened to steal my identity and ruin my credit. Told him he had the wrong person.
I later had my Debit card compromised. My bank put a security hold on it, and I had to get a new card.
He called my work multiple times, after I told him not to, and interrupted my work. He kept leaving voice mails at my work also, I saved the last voicemail on XXXX XXXX, 2017. Even after I told him not to. I have other voice mails also from him after I told him to stop calling with time stamps, and numbers of origin.
I also told him to stop calling me on my personal number, and also to stop calling my work. I have records on my personal phone of multiple calls from him and his multiple fake VOIP ( Voice over internet protocol ) phone calls. And also record of voicemail at my work.
I signed a contract to purchase a vehicle on XXXX XXXX, XXXX and that contract contains some errors so the finance manager at XXXX XXXX asked that I sign another contract. I assumed the contract stated what he said it stated and that it was a reprint just to correct the mileage issue. I was told that my due date was going to be the XXXX of every month and that I needed a {$1000.00} down which includes my first payment. On XXXX I woke up to an alert from my credit monitoring service advising me that I had a 30 day late payment with Gm Financial. I did n't understand how that was possible when I made a payment on XXXX XXXX, XXXX and gave payment information on XXXX to make another payment. I contacted GM Financial and I was advised that the due date on the contract states that the payment is on the XXXX of the month. I explained to the GM Financial Representative that I did n't have a copy of the contract, I have n't received a billing statement yet, and the sale person ( s ) at XXXX XXXX informed me that my payments was due on the XXXX of the month. I made a payment on XXXX how can I be 30 days late. The Representative stated to me that the payment was never processed on XXXX and the notes stated that I would call back on the XXXX, and make a payment, I disagree with. I feel if the payment was due on the XXXX of the month and I stated to the representative I will pay on the XXXX, why would n't the representative advise me that the payment would be 30 or more days late. I contact XXXX XXXX and spoke to XXXX ( sale/finance Manager ) who handled my transaction and he advised me that I signed the contract on the XXXX and that he entered into the system that my payment should be due on the XXXX ( although I was told XXXX ), I put {$1000.00} down payment down and was told that I would n't have a payment due until XXXX XXXX XXXX. When I contacted GM Financial about this situation I was told that they will look into it, but after looking into the situation they stating to me that I need to contact the dealership to get this matter corrected. The dealership stated to me that, there 's nothing they can do but to send me a copy of the contract showing I signed the contract on the XXXX of XXXX.
XXXX, XXXX, and Experian need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report hostage without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my report.
Called and threatened with legal action involving the state of California and that they referenced my social security number to identify me. They wanted me to confirm it when the called. I did not, suspecting phishing. 

I found out by Googling that they have a long history of scamming the public where people have logged the calls and conversation similar to mine. They have called me a number of times and use different caller ID numbers. The one today is : XXXX and they said reference case # XXXX. 

They seem to have a basic website that does n't look real. See : XXXX See : XXXX
To whom this concerns, I have been unable to reach your company in regards to the effects of identity theft. As I am a victim of identity theft. I learned when attempting to open an account with you that my identity had been used to open what appears to be a checking and savings account. 

I have reported this identity theft to the FTC. I have not ever opened a checking or savings account with capital one. I would like to in the future as I have had auto loans and other products there in the past. It appears this checking and savings account were opened online per your fraud department. Once again I did not open any XXXX accounts ever at your bank. I am a victim of identity theft and I would like to know who opened these after my wallet was stolen.
I have had one payment past 30 days and it was reported on my credit, I had previously called to inform them of my situation and I have never been past the 30 days before, I feel they should remove it from my credit. My loan is with Wells Fargo, and I have had multiple loans with them and have always paid in a timely manner and that should be taken into consideration.
Good Morning since XX/XX/2018 I have sent disputes every 35 days to fix inaccurate info on my credit files. I am writting regarding an Complaint that I have with Transunion and XXXX. XXXX XXXX is the account name, they say the balance is {$1300.00} I have disputed with both bureaus asking them to please delete as this is not my debt. But it comes back as verfied. I question the validity of this and I suspect they are using XXXX automated verification along with 3rd party means of verification when they should be doing their due dilligence. I suspect they are using XXXX because it is the same generic response everytime either verified or meets FCRA. And they have nothing linking me to the debts. Also account summaries sent is nowhere near proper verification. I have requested account validation and I have had zero reponse. XXXX has stopped responding and said they will no longer investigate. This is a direct violation of my rights and by law they have to investigate but since it has been longer than 30 days that is yet another violation, and I request that They delete. They were unable to provide any signed documentation that tied me to the debt or any " instrument of indebtedness '' and since none of this was provided and per Fair Credit Reporting act I would like my rights protected and for Transunion to delete this account please.
I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my Experian credit file ( online ). I named each inquiry to the Experian rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.