WillisBack/dataset-financial-user-claim huggingface dataset:
The Student Loan Relief Department contacted me last year ( XXXX ) regarding federal student loan relief based on my income. XXXX XXXX XXXX was the Enrollment Advisor there who took my income information and family size and submitted my application for the program. He advised I was approved and that XXXX XXXX is the third party that would pay off my federal student loan debt and auto debit my newly revised payments of {$39.00} per month. Recently, I received emails from XXXX, my federal loan servicer saying I owe over {$400.00} if I do n't reenroll in the Income Based Repayment plan by XXXX/XXXX/XXXX. So come to find out that The Student Loan Relief Department not only did not pay off my loan, they charged me for a free service I could have done myself. My federal loans were already consolidated so I 'm not sure what I actually ended up paying for. The SLRD also provided me with a temporary username and password for nslds.ed.gov to check my federal debt but I fear they changed my security question answers and information so I ca n't log on and check my balances. I have yet to be able to access my information on that database. I have tried to get in contact with this company for months to no avail. I have left countless email messages and voice messages trying to speak to someone regarding this issue to no avail. They have several different phone numbers but none of them seem to work.
I went on the Internet to find this debt collection agency and there is a bunch of complaints saying its a scam company.
I am being harassed regularly concerning a debt that is not mines neither did I authorize the responsible party to use any of my information to acquire this debt. I have written several letters to the comapny and have even talked to them letting them know the responsible party is not myself but my son who took out the loan and attempted to use me to get the loan for the alleged purpose of trying to go to some XXXX school. Because they can not reach my son and he attached me to his information they are attempting to come after me and to have me pay for something that is not mines nor did I authorize.
The original credited was XXXX for which I received the information that it was sold to another collection agency I been fighting this case for almost a year. I have been sued and my wages are being garnish and all I want is proof that I actually owe this money. I haven't been serve correctly I havent beeen inform of my right or no one is giving an explanation other than you owe the money.
I took out a loan for {$2600.00} on XXXX XXXX, 2012. I paid a total of {$6100.00} to Cashcall for this loan. However, the terms of the loan were misrepresented to me. The APR was 139.12 % daily which would mean that I owed a total of {$14000.00} for the {$2600.00} loan. I would not agree to that if the terms where clearly listed and explained. They later reduced the interest to 6 % daily and now they claim I still owe {$2000.00}. I do not believe I owe this balance. Payday loans are illegal in Pennsylvania also I have already paid back the loan plus a reasonable interest rate on the loan.
On XXXX/XXXX/17 I purchased a washing machine from Conn 's Home Plus in XXXX, Texas. The store was running a promotion of 36 months no interest for qualified buyers. My credit was checked and I did qualify for the promotion. I specifically ask the salesman on two separate occasions if the machine and my credit qualified and I was told yes it does. I even notice that interest information was noted on the contract and asked about the amount and was told that was how much would be applied if I would not have qualified. Approximately three weeks later I received my statement and there was interest applied to the account. For the life of the contract I will be paying {$570.00} which I do not believe that I am responsible for paying. I contacted the store and spoke with two different management people both of which indicated that the amount spent did not qualify and the interest would be applied. I told them that I could have spent approximately {$60.00} more thus eliminating the interest charge or I could have made the purchase elsewhere. The store manager did indicate that there was a mistakes made by sales personnel and the staff had to be re-trained on the application interest free merchandise.
I also contacted the corporate office and was told that mistakes had been made and employees had been reprimanded but unfortunately there was nothing that could be done at this time.
I hold a XXXX XXXX card and my payment is due on the XXXX of each month. On the XXXX or the XXXX when I log on to make my payment, the system is always down. It has happened 3 or 4 months in a row. After complaining I was transferred to an agent in another country. I do not feel comfortable giving my payment information to an agent in a foreign country for processing. I asked for a supervisor and the agent pretended to be a supervisor, and I later found out that the supervisors dont come in until an hour later. He tried to change his voice and threatened me with late fees if I didnt pay him. I refused and he spouted my bank account information off. I do not appreciate them allowing access to my information without my permission. When I signed up for this card the agreed upon payment methods included online self managment. Those options are not being made available to me, which is that I should be able to self manage the account online. I feel this is done intentionally to encourage incurrence of late fees.
In XXXX I opened a Kay Jewelers Account to finance wedding rings. I fell behind in payments and made arrangements through Kay to auto-deduct {$35.00} every two weeks from my bank account. The deductions continued for a little over a year and stopped ; not by any act of my own so I assumed the debt was paid. I was contacted approximately 6 months after the last deduction by Kay who stated I owed approximately {$600.00}. I told them I disputed the debt and continued to receive notices and phone calls for another month ; all of this occurred from XXXX to XXXX or XXXX. I then received a phone call in XXXX of XXXX from an associate from XXXX XXXX XXXX who stated they were collecting the debt on behalf of Kay and said I owed {$1300.00} and then went on to say that if my employer ( Sheriff 's Office ) had to collect the debt it would be embarrassing. I spoke with the associate at length describing what had occurred and she did confirm that the account showed that the auto withdrawals had ceased for an unknown reason. She stated that her firm would settle the debt for {$600.00} so even though I disputed the debt I wanted to clear it up so I agreed and paid the aforementioned amount with the last payment occurring on XXXX XXXX, XXXX. ( I have XXXX emails confirming this as well as confirming that the debt would be deleted from my credit file ). On XXXX XXXX, XXXX, I received a phone call from an associate from XXXX XXXX XXXX who stated they were collecting a debt on behalf of Kay Jewelers for over {$1000.00}. I tried to be as courteous as I could but did tell them that the debt had been paid through XXXX XXXX XXXX. They requested for me to send them proof but I declined and told them I was not paying anymore money and hung up. Approximately an hour after the first phone call XXXX XXXX XXXX called me again trying to collect the debt at which point I explained to them again, less courteous this time, that I would not pay anymore money.
I have been called again about XXXX XXXX XXXX who is using my phone no. as his. I have a case pending and now have XXXX more agents trying to collect from me. The First financhial asset management from XXXX Fl. XXXX and a call today from XXXX New York XXXX. They did n't give me there name. This has gone on now for over two years and i had my phone no over 14 years so know he is illegally useing my no. and they are harrasing me about it again. Please open a new account to stop this from going on. Thanks You
My complaint is against the Phoenix Recovery Group located in XXXX XXXX Texas. I have no understanding of where this company got such an enormous charge stating that I owe XXXX XXXX XXXX. These folks, called me numerous times in the past, and emailed as well. I choose not to talk to them because I really feel like it's a scam. These folks are trying to say I owe nearly {$4000.00} and I would like to know, how? This notice just came to me out of nowhere one day and I don't appreciate false reports on my credit and because I have read the reviews and I know that these people are scammers, I'm asking for assistance, as well as a valid explanation? I am not paying this company one XXXX XXXX. Nor will I take responsibility for something that I had no part of.
The debt was made back in XX/XX/XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off two of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX The collection is XXXX
Darvin Furniture is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.
Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.
Want to transfer my high balance of {$1900.00} to another account. Chase informed me it was not being " offered '' at this time, which does n't give me a choice in HOW I pay my account off.
This is for an XXXX credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as XXXX has now turned the debt over to a 3rd party debt collector called Transworld Systems Inc . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   credit card.   I made three payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was told  XXXX   XXXX  had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  Portfolio Recovery  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacted  XXXX   XXXX  but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  XXXX   XXXX .     In  XXXX   XXXX  I contacted both  Portfolio Recovery  and  XXXX    XXXX  k.  Portfolio Recovery  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance.  XXXX  said the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth with  XXXX  Bank and  Portfolio Recovery  since  XXXX   XXXX .
I sent letters to TransUnion XXXX and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
I contacted " Student Loan Help Center '' back in XXXX XXXX to assist me in consolidating my student loans. They promised to do so after I pay their fee. After said company withdrew their fee from my bank account, they for months kept telling me one excuse after another as to why the process for consolidating my student loans is not complete yet, why time is needed or why the circumstances are not their fault. 

I spoke to them in XXXX, XXXX, XXXX, and XXXX of XXXX. The individuals I spoke with are XXXX, XXXX ( or XXXX ), XXXX XXXX XXXX. Their contact number is : XXXX ext. XXXX. They record the calls, thus they will have all recordings of the calls I made to them. If they claim they do not then this is more evidence on behalf of their of their guilty actions. 

When I spoke to representatives at " XXXX '' ( they are the company that handles all my student loans ) in XXXX XXXX they informed me that a process was started in XXXX XXXX then canceled in XXXX XXXX and there is nothing in their records that Student Loan Help CenteXXXX has done anything to resolve this matter. 

I contacted Student Loan Help Center in XXXX and spoke to XXXX XXXX XXXX concerning the fact that ( 1 ) the consolidation process has been canceled and I was n't notified of it ; and ( 2 ) they have n't done anything to resolve this matter. Those said individuals gave me more excuses. When I contacted them again in XXXX XXXX and spoke to XXXX to inform them that I wanted a full refund of my money, she both transferred me over to XXXX XXXX voicemail then when I called back a second time she gave me an email address and said once I email them I will be contacted right away concerning my refund. I did as she instructed but received no response via email nor phone. 

The bottom line is this company has committed fraud. They have n't provided me any proof that they have done anything on my behalf nor, and most importantly, they have n't done the task as they promised.
My original Federal student loans for approximately {$30000.00} when I graduated in XX/XX/XXXX were purchased by XXXX. At the time I was making multiple payments each month for several student loans taken out during the course of my college education. XXXX approached me about consolidating these loans which I agreed to but they also extended the loans from 10 to 15 years which I wasn't aware of and would not have agreed to. So in essence my loan consolidation ( which I agreed to as a convenience also turned into a loan EXTENSION. 

Five years later my XXXX loan ( s ) were purchased by Navient which, after faithfully making payments for the past 12 years, claims I still have a payoff balance of over {$15000.00} which is more than half of what my original student loans were for. I have documentation from Navient showing I have already paid back over {$22000.00} since XX/XX/XXXX. They have not provided me with payment history from XX/XX/XXXXto XX/XX/XXXX which should be around {$12000.00}. 

I dispute that after paying back over {$33000.00} over the past 11+ years that my payoff balance is still another $ XXXX. I have been trying to contact Navient for over 6 months but have been unsuccessfully at being able to get them to answer or return my calls. 

Seeking external assistance I opened a case with the Ombudsman group in XX/XX/XXXX. The person assigned to the case spent the next several months getting Navient to send their documentation. In late XXXX he was able to forward me copies of my loan repayment history from XX/XX/XXXX-XX/XX/XXXX ( nothing from XX/XX/XXXX-XX/XX/XXXX ) along with the XX/XX/XXXX promissory note for my loan consolidation/extension which shows I only consolidated one loan for the amount of {$1000.00} and loan payoff sheets stating that the loan with interest would total approximately {$26000.00} ( I'm unsure of exact number because of the barely legible fax sent by Navient ). 

The Ombudsman case was closed before I had received the documentation and was able to call back with my understanding of the documentation and how it appears to contradict Navient 's claim that I still owe them {$15000.00}. I am in the process of trying to get the case re-opened but have been told it may take up to 30 days and there is no guarantee it will be reopened. 

I have spent the past 6 months unsuccessfully trying to contact Navient and to work the Ombudsman group and I have made zero progress with my dispute. I have found several reports online that Navient has been sued several times for their mishandling of student loans and feel that I may be another victim of the same or similar practices. student loans and poor customer service. 

I am hoping that filing a case with the CFPB might help me with this situation by either forcing Navient to return my calls and to explain how they've handled my loan payments and why my outstanding loan balance is not much closer to being paid off now than when I first started making payments on it over 12 years ago.
For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( XXXX. EXQUIFAX. XXXX  ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on Equifax went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and Equifax put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call Equifax about my credit? Now Equifax has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! XXXX has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great Equifax who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX  well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
XXXX   XXXX  2017  Someone hacked into my account both email and debit card with Chase bank. I told Chase and they cancelled my card gave me a provisional credit I thought would be end of it. I told them it was not made nor authorized by me. Recently Chase reclaimed the $ XXXX  saying something was delivered to my address. I never got anything.
This is their file on my bank account 

  XXXX   XXXX   , 2017  	   XXXX     XXXX  FL  XX/30 
  XXXX   XXXX  2017 	Reversal:  XXXX   XXXX  FL
  XXXX   XXXX   , 2017	Cl aim reversal:  XXXX   XXXX  FL

From  XX/XX/XXXX  to  XX/XX/XXXX  today I emailed on secure server. I give up with Chase.

Last

This I recently discovered.


Regarding the $  XXXX   fraudulent purchase not made by me in  XX/XX/XXXX , I have new info to share with you.

I can't give you any other proof, except today I discovered I was still infected from  XX/XX/XXXX .

Today I downloaded a program called   XXXX   XXXX  , but I was afraid to give my credit card info because of still being infected.

Instead I used the program to show me what registry keys were infected as well as two browsers. And I manually took out a total

of  XXXX  objects   XXXX   XXXX    detected. It took me over 5 hrs to do.

The things I was infected with all along are as follows 1]  XXXX  it says it disrupts pc operations, gathers sensitive info

2]   XXXX   it says it exploits vulnerability and security flaws malicious website and email downloading attachments to steal

your private info.  3]   XXXX   similar to # 2. 4] Malware.  XXXX   hijack browser and search results These 4 are severe category.

Next list are moderate severe 5]  XXXX  6]  XXXX .it search hijacks browsers. 

Now less severe category 7] Adware Helpers 411 infections.  More Adware programs 8] Adware.  XXXX   46 infections.

9]Adware.  XXXX   XXXX   XXXX  ,  10] Adware.  XXXX   11]Adware . XXXX  12] Adware. XXXX   XXXX  infections .

Please look up these things on google to verify they are what I say I removed.

At this point because of what I found today if you don't reverse the reversal charge I will be filing a complaint

against Chase with the cfpb.


And if you force me to do that I will also be looking for another bank sometime later this year.

I can not do business with anyone who insults my integrity and honesty.

This email was sent to 

To: " XXXX "  
Sent: Saturday,   XXXX   XXXX   , 2017   XXXX   XXXX 

Chase isn't listening to me. So I'm filing this complaint.
Both my parents passed away leaving me as the executor of their estates. While going through my Dad 's computer, I came across an email indicating his Well 's Fargo account would be closed due to fraudulent activity. Apparently someone had tried to access the account multiple times from various computers. I called Well 's Fargo, they told me the email was not from them and was probably a phishing incident. I told them I was not aware my father even had a Well 's Fargo account, but they said if someone tried to compromise it, an account probably did exist. I asked how I could get access to it and they told me to go to the local WF office with the death certificate, etc. They told me the closest office was over XXXX miles away. They indicated I could mail the information including the account number. When I reiterated that I did n't have the account number, they said sorry, we ca n't help you!
My loan was sold by XXXX XXXX to M & T Bank during the month of XX/XX/XXXX. A mortgage payment was processed by XXXX in the month of XXXX. M & T claims I did not make my XXXX payment so they contacted me to rectify. I agreed to process a 2nd XXXX payment to M & T while XXXX researched my XXXX payment intended to be forwarded to M & T. 
That 2nd XXXX payment was inaccurately processed due to a communication issue between myself and the M & T rep. No further communication has been received by self from M & T indicating my 2nd attempted XXXX payment was not properly processed. M & T then reported a late payment to the Credit bureus. I contacted the M & T call center and spoke with sitting supervisor. He was not helpful and stated the late payment is solely my fault and was not willing to resolve the inaccurately reported late payment. His name is XXXX and his number is XXXX XXXX XXXX. I have a letter from M & T thanking me for my XXXX payment.