WillisBack/dataset-financial-user-claim huggingface dataset:
Currently my loans are being held by ACS Education Services. I have been in their IBR program since XXXX XXXX. I was divorced 2 years ago, married and filing separately with XXXX individuals living in the household ). Over the last 2 years, with some modest raises, my payments to ACS have DOUBLED and the payments are now becoming unsustainable. Before the ACS IBR payment increase this year I submitted paperwork to get my student loans removed from ACS to turned over to Federal Student Aid under the REPAYE program. ACS has assured me multiple times that all of my paperwork has been completed correctly, however it 's been over 4-1/2 months and they continue to tell me that they are " processing '' my request, while I am making an unsustainable monthly payments. I call them every two weeks to check on progress. I have been told that they have " expedited '' my request ( nothing happened ), and then called again in tears one month ago and asked if I needed to contact an attorney to get help with this matter. They immediately transferred me to a " supervisor '' who " opened an issue '' with my account and said she would personally and physically monitor my account each day. I called yesterday, after 3 weeks of not hearing anything, and was told curtly that my request is " still processing. '' I fear that nothing will happen and I am struggling to pay loans, take care of my child, pay my mortgage and condo fees. My credit score is dropping because I 've been using my credit card to make up some of the difference. I 'm scared and ACS ( owned by XXXX XXXX ) appears not to care how desperately I am trying to remain in good standing and repay my debt, but under a different program, the REPAYE plan that President XXXX established in XXXX. ACS says they do not " honor '' the PAYE and REPAYE programs which calculate payments that are 10 % of XXXX 's discretionary income vs. 15 % for the IBR plan. 

I have a great job by almost anyone 's standards, I managed to purchase a small condo this past year ( and pay less in a mortgage than I did in rent ), and I am taking care of a young child. But I am on the edge of failure because I am stuck in a precarious financial position. 

FYI, My loans are connected with education at XXXX and XXXX. My only complaint with the institutions are that they let an art student who had no parental support, access such large amounts of loans. I do n't think it 's their fault I borrowed an incredibly unrealistic amount of money for my education, but I 'm not sure they cared in the XXXX and XXXX how someone was going to pay back the loans. Thank you for your consideration.
XXXX was the first compliant I filed. The collector called my place of business asking for me. I returned the call and asked them to stop doing that. It continues. 

Today XXXX from Credit Corp called my business asking for me.
I was contact within a flyer, and they offert me home loan modification. 1 ) They promise me lower monthly payments. 2 ) Come down the principal. 3 ) avoid foreclousure. 4 ) They request money from me.I gave them {$7500.00}, and after that i dont ear from they any more. I paid them whit check.I started with them since XX/XX/XXXX and last time got comunication whit them:XX/XX/XXXX _
RE : Intent to file lawsuit, HIPPA Privacy Violation. Validation Letter sent to : COMMONWEALTH FINANCIAL. Account # : XXXX. AMOUNT OWED : {$1000.00}. To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Commonwealth Financial. Their response will clearly violate my rights according to the HIPPA act of 1996. XXXX XXXX Hospital and XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a  HIPPA violation against XXXX XXXX Hospital and XXXX XXXX XXXX XXXX XXXX as well as I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
My original creditors sent my collections off to another agency, in which I did not submit a contract with the collection agencies. I have 2 derogatory marks on my credit report from two collection agencies. The first company is named XXXX XXXX XXXX XXXX. This company charged {$580.00} on my account. This account was open XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX XXXX XXXX. The second company is XXXX XXXX XXXX. They charged an additional {$700.00} on my account. The account was open XX/XX/XXXX. The original creditor for that account is XXXX XXXX XXXX.
In XXXX, I had informed XXXX 's representatives of my financial hardship which started in XX/XX/XXXX. At the time, there was no hope for me to pay my bill on time as I couldn't even have enough money to eat after paying my rent. I tried numerous time to pay even the smallest amount but no compassion from XXXX XXXX, my account was sent to collection. Having this card since XXXX, that's the way loyalty is rewarded with this company. 
In XX/XX/XXXX, I initiated a monthly payment to pay my debt in FULL. The charge-off is not accurate since XX/XX/XXXX as the debt was recovered in full! I was informed by XXXX 's representative in Credit Services Department that the Charge-off information in my credit report would be removed from my credit report once the debt is paid in full. I made numerous attempts to removed this from my credit report but no success! XXXX 's mislead its customer and then refuses to do its part.
Experian has my XXXX XXXX account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on Experian for there reporting practices.
Im filing a complaint re : Synchrony Bank debt collection actions on 2 accounts ( mattress & carpet ). I informed them on XX/XX/XXXX that I had a family emergency & would catch up missed XX/XX/XXXX. payments in XX/XX/XXXX.,  including any late fee. Since then, the co. has contacted me several times a day, 7 days a week, on both my home & mobile phones, even though Ive asked them to stop. I went online today after I received another call, & was required to update my phone numbers, even though theyve called me on both since XX/XX/XXXX. I can send copies of communications. Thanks for your help in this matter.
XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to XXXX, I wrote to XXXX on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to TransUnion. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from TransUnion explaining their investigation procedure. On XX/XX/XXXX XXXX   informed me that the information I disputed had been updated. And XXXX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I  wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote TransUnion, XXXX, AND XXXX THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
In XXXX I changed jobs and we got a little behind paying our mortgage with Wells Fargo. We saw an advertisement in our mortgage statement that we could call in to Wells Fargo and qualify for a reduced payment plan that would extend our payments out further but with lower monthly costs. I spoke to XXXX XXXX on the XXXX and she encouraged us to stop paying our mortgage and provide our pay stubs and monthly bills listed to figure out our best restructuring of the lower monthly payment. We spoke back and forth during a six month period during which we asked if we should be paying something on our mortgage and she advised us not to pay because it would alter our payment calculations. After six months were up we were served with foreclosure notice. We worked extremely hard to catch up our payments and save our home. I called XXXX XXXX back and she informed me that we were not in the home for a full year when asking for this program, that we did n't qualify in the first place. As the result of historic flooding during XXXX XXXX XXXX, we lost all correspondence and proof of the events that took place. I called Wells Fargo in the last six months and they informed me that XXXX XXXX no longer worked for them and there were no documents to support my claim.Every call was advised to myself that we were being recorded and were we alright with this, now they claim they have no recordings.
This was settled in bankruptcy however they have n't removed it from my credit report and it still shows open!
Factor trust represents the payday loan places that have used my social security number without consent or my knowledge.
I took out a loan with instaloan around the end of 2014. I made a few payments but could n't keep up. They loan company rolled over my loan to a new XXXX with old payment/interest attached to close previous loan and renew it. 
Now on my credit report it shows I have XXXX loans open with them when in fact i have only XXXX. 
I called Instalon and stated loans were being rejected to help pay off their loan because of being overextended for XXXX. I requested they report the XXXX loan as being closed ( is showing up as XXXX seperate loans ) and a new loan was created. They stated they could not do that and that XXXX loans would show until total loan of {$800.00} was paid. Credit report shows {$600.00} and {$800.00} loans from them which is not correct. 
They are reporting misleading information to credit bureaus.Also refused to participate in debt consolidation.
This debt has already been on my credit report for 7 years and removed by the creditor. This company claims to be a new owner of this debt and is offering me a deal to resolve it
On XXXX XXXX, 2017, Equifax announced that private information of 143 million people had been leaked due to lack of security. 

I have checked using their website, and my information was included in the data breach. 

They are offering a free year of credit monitoring, but that it hardly enough reparation and the terms of service waives your right to sue Equifax.
I filed a complaint against Ace Cash Express a week or XXXX ago for not letting me make payment arrangements on my loan and not notifying me that they no longer do business in the State of Maine for pay day loans. I started receiving collection calls from them. They will call on several different lines so you can not block them. While I appreciate someone trying to collect a bill this was just plain harassment as they do n't say anything. The last straw was a call after XXXX pm last evening XXXX/XXXX/2015 from XXXX, NH. I received an accesive amount of calls XXXX to be exact yesterday XXXX/XXXX/2015 with no message or anything.
I TOOK A LOAN IN XX/XX/XXXX TO ATTEND COLLEGE AT XXXX XXXX UNIVERSITY. I GRADUATED FROM ANOTHER COLLEGE IN XX/XX/XXXX. 
AT THAT TIME NATIONAL COLLEGIATE LOAN TRUST WAS UNDER A DIFFERENT NAME. I COULD NOT PAY BACK THE LOAN BECAUSE WHAT THEY WERE ASKING FOR PER MONTH WAS SOMETHING I CAN NOT AFFORD DUE TO MY INCOME. THEY WERE NOT WILLING TO WORK WITH ME. IN XX/XX/XXXX, I RECEIVED A LETTER FROM A DEBT COLLECTOR FROM A LAW FIRM THAT I WAS ORDERED TO PAY OVER {$28000.00}. MY MOTHER, XXXX XXXX, WAS ALSO COSIGNER. I SETTLED WITH THEM TO PAY XXXX A MONTH UNTIL PAID OFF. I MADE 12 PAYMENTS OF XXXX ON TIME UNTIL XXXX XXXX. I LOST MY JOB, AND MY MOM COULD NOT PAY THE LAW FIRM BECAUSE SHE NEEDED TO HELP ME. IN XXXX XXXX, I RECEIVED A LETTER OF DEFAULT OF LOAN. I RECEIVED A NEXT LETTER THAT THEY NEEDED PROOF OF WAGES AND ASSETS FROM ME AND MY MOM, AND DUE WITHIN 45 DAYS. IT HAS ONLY BEEN A FEW MONTHS SINCE WE HAVE NOT BEEN PAID THEM. I HAVE SINCE FOUND A JOB IN XXXX, AND WE WERE GOING TO START PAYING THEM AGAIN. BUT NOW THEY HAVE GONE TOO FAR TO TRY TO COME AFTER OUR WAGES AND ASSETS. I AM A SINGLE MOTHER WITH XXXX CHILD, AND MY MOM IS ABOUT TO RETIRE -- I WILL NOT ALLOW THEM TO TAKE AWAY WHAT WE HAVE WORKED HARD TO EARN OVER A FEW PAYMENTS THAT HAVE BEEN MISSED. I HAVE ALSO PETITIONED TO FILE FOR CHAPTER XXXX BANKRUPTCY, BUT THIS DOES N'T TAKE CARE OF MY PRIVATE LOAN.
On or about XXXX XXXX, XXXX, {$500.00} was deposited into checking account from XXXX. The annual interest percentage rate is 780 % with finance charges being {$3400.00} with total payment being {$3900.00}. XXXX XXXX XXXX then contacted me by telephone the same week exposing XXXX XXXX to me that their ( inbox loans ) lending practices violate Indiana laws by exceeding the interest to be applied towards payday loans at an annual percentage rate of 10 % of {$500.00}. 780 % finance charges for this payday loan far exceeds Indiana Statute 24-4-4.5-101 et  seq. and is a direct violation of the Indiana Statute which prohibits these types of finance charges.
Experian has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and each time verified false, fraudulent, incorrect and incomplete information.THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive amount ) XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) the information on the credit report is based on activities that include the illegal charges so the balance is inflated. 
there is no DOFD on the report, the amount of last payment is not listed, the scheduled payment is not listed ( used to determine excessive late fees ) .I have attached all account history and legal references in the form of the statute, the CFPB guide, and the Federal Reserve COMMENTARY on the final implementation of the 2009 CREDIT CARD ACT. 
ALL VIOLATIONS ALSO VIOLATE THE FCRA AND FDCPA ON THE PART OF EXPERIAN AND XXXX XXXX BANK, RESPECTIVELY. 
THE BUREAU AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF ANY DELETION, CORRECTION OR FUTURE ACTION.I SUGGEST EXPERIAN LEGAL TAKES SOME ACTION FOR KNOWINGLY ABETTING A FURNISHER IN EXTORTIONATE ACTIVITY AND FOR FDCPA,2009 CREDIT CARD ACT AND FINALLY THE FCRA OF WHICH WAS WRITTEN FOR THEM.. 
A JURY PUNITIVE AWARD IN THIS CASE COULD BE SIGNIFICANT! 
ENJOY THE CLEAR AND CONVINCING EVIDENCE AND DO WHATEVER YOU WANT WITH IT.The federal reseve investigator is finding more to hang you with.
Original notice of Dispute to BMW Financial Services was signed for and received by them on X/XX/2017. I advised them they must validate the debt and " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
They did not respond within the 30 days required by the FCRA & FDCPA. I sent a follow up letter notifying them of their violation. They received and signed for the 2nd letter X/XX/2017. They sent a letter X/XX/2017 stating they did n't believe it was from me and that they thought it was from a credit repair company and their policy is to only respond to requests sent directly by customers. This was their attempt to disregard the fact they had already broken the law with their failure to respond within 30 days to my original letter.
I sent a follow up letter which they received and signed for on X/XX/2017, notifying them " There is no verbiage in the Fair Credit Reporting Act or and/or the Fair Debt Collection Practices Act that allows for a creditor to not respond or place a " notice of dispute '' on my account within 30 days of my dispute due to a " reason to believe '' the request was n't sent directly by the consumer/me. Further, there was no attempt within the original 30 day timeframe made by BMW Financial Services to inquire as to whether the request was sent by me, it was assumed it was n't me. My original dispute was legally valid and you failed to respond within 30 days, period. '' There has been no further correspondence sent by BMW Financial after receipt of this letter on X/XX/2017 and they still have not placed a " notice of dispute '' on my credit report nor have they " validated the debt ''.
I Was notified XXXX was selling our loan to Penny mac. We were contacted by penny mac saying Welcome .also to let us know we were available to receive a streamline loan and save us money! I made it clear ... sure if our payments were lower and no money out of our pocket. The gentlemen which we do have the name of assured us after some time yes he could save us about XXXX a month and nothing out of our pocket. We gave an application over the phone and sent XXXX dollars. 
After much back and forth ... ..A confirmation was sent saying good to go ... .there would be about around XXXX. closing cost for us. ( Please do not quote the amounts I am giving you ballpark ) I immediately contacted them and said NO you said nothing out of our pocket, cancel the loan. 
They said they would get back to us ... ..came back and said good news payment saves almost XXXX bucks a month and no closing. We closedOur first payment was due and there was another fee as well after calling Found out no taxes for escrow were ever accounted for. We were already next month going to be XXXX in the red for our escrow acct. They say they are going to up our payment to cover XXXXdivided by XXXX.I am not well and I certainly would never refi. to pay a couple of XXXX more! Rate no lower, payment higher this is predatory lending. We need help! We also feel strongly that we were discriminated against because we are both XXXX. We want to reinstate prior loan w/same payment. We are in fear of losing our home The XXXX of this matter is starting to further affect our health. 
Thanks XXXX and XXXX XXXX
I visited XXXX in XXXX, NJ in 2015. I paid for one month and was never told that they would be continuing to bill my credit card on a monthly basis. When I finally realized it I contacted XXXX and was told that I was signed up for automatic payments and that I could not cancel unless I went in person to the facility. I immediately contacted my credit card company to dispute these charges. The credit card company has given me provisional credit and is working on the dispute. They also closed my card and issued me a new one. However, XXXX has subsequently referred these charges to a debt collector - First Credit Services , Inc. XXXX apparently signs people up for automatic payments whether they are aware of it or not and then refuses to cancel those payments upon request. These are shoddy, shameful business practices.
Based on information and belief this is not my account. I have continued to request for validation and verification but to no avail
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, Equifax and XXXX  removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.
I applied for a mortgage loan in XXXX of 2016. Considering I had credit issues, I was asked to explain and provide information. After the issues were addressed and reviewed by an underwriter ( so I was told ), I was issued a preapproval. I went shopping for a house, placed an offer, paid for a home inspection and paid for an appraisal. When the sales contract was completed, the loan processor started asking for the same loan stipulations during the application process which I submitted immediately after the email. My Close of Escrow was scheduled for XXXX XXXX, 2016. Email was sent back and forth between me, my real estate agent and the loan officer. On Friday, XXXX/XXXX/2016, the loan officer claims we are good to close the following week but may be a delay for a day or XXXX since they were waiting on a credit supplement to gather remaining balances on a couple of accounts that were in collections and showing duplicates. On Monday, XXXX/XXXX/2016 ( COE date ), I received an email from the loan officer asking me to call her back. She told me that I am no longer qualified for the loan due to the credit issues that were addressed in the very beginning of this loan application. I was devastated. She lead me to believe from all her emails that those issues were addressed and I will be able to get this loan. I have spent money, time and effort to get this loan. Had I known in the beginning that the credit issues may be a problem during the underwriting process, I would not have gone shopping for house, placing offers, paying for a home inspection and appraisal. Since I worked for a bank as well, I consulted with my colleagues regarding the decline. I had asked the loan officer to have her branch manager contact me. The branch manager was completely rude to me and my colleagues. He was unprofessional and I felt that I was being belittled for having derogatory information on my credit report, for using a XXXX grant that my employer offers in helping pay for the down payment as well as the XXXX Nevada down payment assistance. He asks why didnt I go with my employer instead of going to them for financing. In addition to the above information, I was not given any type of disclosures after my application and I am still awaiting a decline letter be emailed or sent to me to provide detailed information.