WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter to request an account review for my student loans serviced by American Education Services due to my current situation. This is my last and final request. I have met with a bankruptcy attorney regarding these loans, and I was informed that I do qualify for a hardship exception based on my XXXX and limited XXXX income. I am prepared to file for bankruptcy XX/XX/2016 if National Collegiate Trust does not move forward and make an exception and forgive these loans due to my XXXX. I understand these loans do not have a forgiveness option. I did have other student loans with other companies which did not have a forgiveness option, and they chose to make an exception and forgive my loans anyway due to the severity of my XXXX and I am aware that National Collegiate Trust also has the discretion to do this. I have been XXXX for over 4 years and there is no cure for my life-threatening disease. I will have this disabling condition the rest of my life and will not be able to return to work and it will eventually result in my early death. 

Please seriously consider my request for loan forgiveness. Please feel free to contact me with any questions. 

Sincerely, XXXX XXXX
I am XXXX XXXX and need a forgiveness from XXXX. Ihave been told by them there is no guarantee they will cancelmy loans. What should my next step be concerning this matter.
On or around  XXXX  of  2017 , I discovered that someone opened up an account with  XXXX  using my personal information. The way I found out was because my phone services with  XXXX   XXXX   XXXX  were disconnecte d one da y. I called  XXXX   XXXX   XXXX  and asked them why. They told me  XXXX  requested my account to be terminated.  XXXX   XXXX   XXXX  tried to help me by calling  XXXX  on a  three  way call. We spoke to  XXXX  and told them I did not open an account with them and that I have been a customer of  XXXX   XXXX   XXXX  for 12 years. After clarifying to  XXXX  customer service that someone pretending to be me opened the account with bad intentions just to make my life difficult, they underst ood ( so they told me ) an d told me they would close out the account.  Three  months later I received a notice from a collection agency trying to collect a debt I did not owe in the amount of {$300.00} on behalf of  XXXX . I tried to resolve the issue with them and did not hear from them anymore. Now I get another collection notice but this time from a different collection agency attempting to collect a debt they claim I owe with  XXXX . The agency 's name is AMSHER COLLECTION SERVICES, and the amount they are trying to collect is {$180.00}. Now  XXXX  is trying to collect a smaller amount than before. I have called  XXXX  to try to resolve to no avail. They just keep assigning the account to different collection agencies. I spoke to  XXXX  on  XXXX   XXXX ,    2017  and spoke to  XXXX   XXXX   XXXX   XXXX  and said that the collection agency AMSHER was not notified of my  XXXX  balance and that they will notify them immediately. I am not convinced that this will be the case which is why I 'm filing this complaint to protect my credit report.
This is a complaint concerning Bank of America. We had a collection agency do a bank garnishment from a 12 year old debt. Credit card from XXXX sold to XXXX. So without warning Bank of America froze our account for triple the amount that was owed. Amount owed was {$7600.00} they held 2 amounts {$22000.00} and XXXX. We had {$8700.00} in our account at the time. We were told it could be frozen for months. We went into the bank XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX we have no access to money. Bank of America said they will pay them {$8200.00}. Boa is negotiating our money no money no one will tell us where that amount came from. The original debt was {$7600.00}. This is how you treat a sr citizen we cant get medicine or anything. Yes we paid our bills perfect until the market dropped in 2007. Since that time bills have been paid. We are sick over this. I work in XXXX and can not do anything without proper notices. We need help with bank of america
This account was PAID ( XXXX on my taxes by original creditor ). 
This account should NOT be reporting on my Credit Reports by a Debt Collector as this debt has already been satisfied.
XXXX is billing me for a 2011 charge that is incorrect. Called my renter and scared them into paying the bill. Gave them all my personal information even secured my SS # with them!! I need help this is wrong
We refinanced our mortgage, and paid the old XXXX off in full. Upon closing the old loan, we were charged {$220.00} for a Loss Mitigation Fee. 

The company, Dovenmuehle Mortgage XXXX XXXX, can not explain what this fee is for, and they refuse to refund the {$220.00}. This loan was suppose to have a no pre-pay penalty.
CREDCO XX/XX/2017 RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : XXXX XXXX XXXX
I initially filed a dispute about this debt with all XXXX credit bureaus. I received a response saying that this debt has been verified, but I have no idea how. They have shown no evidence that this debt belongs to me.
Regarding the Rush Card. I 've called several of the customer service and corporate numbers since Tuesday. I 've been told several different stories. I 'm a single mom and my only source of income is deposited on this rush card. I lost my card back on XXXX XXXX. I called and reported it had been used. I made a dispute that same day and I have heard nothing of that dispute. I received a new card in XXXX XXXX and tried to activate it and that 's when my problems began. I received several texts about my balance. It went up and down. Now it 's at XXXX and my new card is being declined and not recognized in your system. I 'm very frustrated as I could possibly be facing eviction as I told my rental office I would pay my rent when I got my new card since I 'm not able to go into the bank to withdraw the funds. This is very frustrating as I 'm not dealing with a private landlord who may understand. I 'm dealing with a business just like yours who does n't want any excuses and just wants there money. I 've borrowed all that I can afford to pay back. Please help me resolve my card issues so that I can get my life back on track. Any assistance you can provide is greatly appreciated. Thanks.
I purchased a foreclosed home back is 2005 for XXXX. We could not get a conventional loan so we were able to get a stated income, adjustable rate mortgage. I remember the mortgage company telling me to say I made {$100000.00} a year so we could get approved, but I refused and they were able to secure it without my singing the documents. We opened an ARM with XXXX in 2005 for the principle amount of XXXX. We have made all our payments and our principle balance is still XXXX. that means we have only payed XXXX over the 13 year life of the loan? that's less then {$100.00} a month. We also received notification that our rate was increasing to 9.75 %. We don't understand how our interest rate could go up when the interest rate is at an all time low. We tried to refinance with XXXX mortgage. The underwriters at XXXX told us we didn't show enough income on our current taxes to qualify for a refinance?
There was a credit account opened under my name due to identity theft. I disputed the information with  XXXX  and  XXXX  by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.
I have XXXX private loans with navient and XXXX with XXXX. Since XX/XX/2011 I have been paying a loan of original balance XXXX and XXXX of XXXX. So far they I have a couple of years more to pay them due to high interest. I have loans with a 4.750 % interest and XXXX with a 11.375 % interest. Sometimes I cant afford any other things for personal use due to so many student debt
Portfolio Recovery Associates has reported a paid collection to XXXX credit reporting agencies and it is unlawful per Massachusetts General Laws. 

XXXX XXXX : DIVISION OF BANKS AND LOAN AGENCIES XXXX XXXX XXXX : Conduct of the Business of Debt Collectors and Loan Servicers Massachusetts XXXX XXXX XXXX ( XXXX ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of XXXX XXXX XXXX : ( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a consumer in the debt collector 's name. However, a debt collector may, with the express written authorization of the creditor, report to a consumer reporting agency in the creditor 's name.
SUMMARY : I signed up for an Amazon card late last year which reflects charges I do n't recall making. I received XXXX email letting me know I was past due in XXXX and XXXX paper invoices ( XXXX and XXXX in XXXX of XXXX ), but neither of the notices listed the line items for the charges. I now have a collections agency after me and despite my multiple attempts to find out what the charges are for, I can not get an answer. 
BACKGROUND : In XXXX of XXXX, I received my first email from Amazon.com telling me my card is past due. I attempted to log into my account to understand what those charges are. I successfully logged into my Amazon.com account, but the Amazon Credit Card required a separate log which I do not have, nor did I ever have XXXX. I then attempted to log in through the " I forgot my user name '' and then " I forgot my password '' and could not get in. 
On XXXX XXXX, I called the Amazon Credit Card / Synchrony bank and managed to get my account number. While on the phone, I requested information on the charges. I had my address, SSN and any security information, but they told me they could not see what the charges were for. 
I then attempted to log into my account again, I entered my credit card number and it came back to me with, " card not registered ''. 
I received XXXX paper invoice in the mail while I was out of town a few weeks ago. Today, I received a second invoice and notice from a collection agency for my Amazon Credit Card. 
I called the collection agency, they transferred me around a few times and I finally made it to a manager. I spoke with " XXXX XXXX '' XXXX XXXX/XXXX/XXXX ) at XXXX XXXX about the collection notice. Explained I made several attempts to understand what the charges are for and I still do not have an answer. Therefore, it is difficult for me to send anyone any money unless I know the charges belong to me. She said she would " request for a letter '' to find out what those charges are for, but I had to pay her {$25.00} in order to remove the " delinquent '' status on my account. I explained I am not willing to pay any money until I know what the charges are. She told me to call customer service at Synchrony. 
I called Synchrony, entered my credit card number and last XXXX digits on my Social Security Number. I made it to a representative, explained the situation and they said they " have limited access and I would have to call customer service ''. When I got off the phone I realized the number the collector and Synchrony gave me were XXXX and the same. 
If I did make the charge and I can not recall, I am more than happy to pay for the items, but I find it difficult to pay for something I do n't even know if it belongs to me and it is impossible for me to find out. 
I can use your assistance in finding out what the purchases were for and if they do belong to me. 
Thank you. 
Kind regards, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX XXXX
I have filed a dispute with the 3 credit reporting agencys. XXXX, Experian, and XXXX. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX  '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX  '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
I was enrolled in XXXX XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. I took a XXXX program for a year. I am being sued by three different debt collection agencies for over XXXX, this school did n't cost XXXX. When I ask for the original document to prove the amount I owe they have't provided it and they also state the loan is from XX/XX/XXXX. I was n't enrolled in the school in XX/XX/XXXX.They are endlessly calling me to settle a debt that I do n't owe this amount. I received {$5000.00} from the state and took out a private loan from XXXX from XXXX XXXX XXXX XXXX. I have tried to contact school but they have closed. I also tried contacting XXXX XXXX XXXX XXXX and to no avail. I do n't know what to do. Company will not forward me any info on the original loan. I was never served with papers that I was being sued or notified of a court date the judgement was just entered.
On XXXX XXXX, 2016 a final payment for the credit card debt was processed by Bank of America for {$5200.00} along with a handwritten note on the reimittance to close the account BEFORE the annual fee would be charged in the following month. The instructions were NOT followed and the account was charge for an {$75.00}. I have tried to call them to ask them to read the note, refund the {$75.00} and close the account. they have refused. I believe this is clear example of the misleading practices by bank of America in an attempt to generate more income off of consumer eventhough they have been instructed to close the account before the fee. This appears to be very similar to the technique of delaying payments in order to generate fees.
Hi, We were first approved for a HELOC with BBVA Compass bank and then rejected inspite of having impeccable credit and spotless credit history because we are " not US citizens ''. We already have a XXXX mortgage on our home and have never been late, missed any payments in our life. We applied for a loan ( and declared that we were not US citizens from the beginning of our application ) of XXXX and were approved for XXXX. Then when we were about to close we received a denial letter and the Mortgage broker told us that we were denied because we are not US citizens. From our standpoint, this is discrimination by a bank claiming to be Equal Lender, based on country of origin.
i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service.
XXXX XXXX, XXXX its show XXXX days late I traded my car in to XXXX XXXX XXXX in XXXX XXXX and they made they paid my remaining balance off late I want it removed
I monitor my credit. In XX/XX/XXXX, I received an alert that I missed a student loan payment. Upon review, the missed payment was for a FFEL consolidated student loan with an 8 % interest rate that originated with XXXX XXXX and was discharged under the Total and Permanent XXXX Discharge Program as of XX/XX/XXXX. I contacted XXXX XXXX, nka XXXX and received a letter dated XX/XX/XXXX verifying the loan was discharged on XX/XX/XXXX. The P & I owed was {$15000.00} and now, it is {$17000.00}. I have contacted Nelnet, with no luck, they forced me to agree to a forbearance for a debt I do n't own or they would continue to report to the credit agencies. The repayment date is this month, on XX/XX/XXXX, I received a letter that they tacked on over {$1800.00} in interest for the three months of forbearance, and they threatened to garnish my wages if I do n't pay them. I sent them a copy of the discharge letter and they wo n't accept it. I asked for a copy of my loan documents and have not received same. They also attempted to force me to send them a letter stating that I am not currently working and did not work the prior year, which I refused to do because I have worked. I received no notice of an alleged late payment, no phone calls, no emails. I have not received any contact from them since I sent my application for a XXXX discharge to them in the fall of XX/XX/XXXX. The only notice or contact I received from XXXX XXXX or Nelnet stating there was an issue with a discharge or money was owned is from the notice I received from the credit monitoring. Also, I had not moved since I submitted my application and XXXX, one of the supervisors at Nelnet stated they sent all notices to an address in XXXX Illinois. I have not lived in Illinois for 7 years and told her that was not the address on my application for XXXX discharge! Additionally, because I did n't receive any notices or communication before they reported me to the credit agencies, they agreed to removed the two instances they reported nonpayment on XX/XX/XXXX and XX/XX/XXXX to the credit agencies, yet they have not done so and my credit score significantly dropped. My credit score dropped again when they added the {$1800.00} in interest to my loan amount in XX/XX/XXXX. I contacted the Ombudsman department on XX/XX/XXXX and got no where  with them, all they did was quote from a script about XXXX discharges. Lastly, the amount they claimed is owed and the information on the US Department of Education does not reflect any payments made over the life of the loan.
I pulled a copy of my credit report from all three credit reporting agencies and was scrubbing for inaccuracies when I notice that the balance Bridgecrest have been reporting was not correct. I called the company to inquire about my account balance and the method which they used to distribute the principal and interest and was told that everything looks good on their end and that my loan is a simple interest loan which incurs daily interest. I asked if they have hidden fees and was told No they do not. Dissatisfied with the answers I got, I asked for an updated statement of my account activities which Bridgecrest sent me two days later. I carefully went over the document and noticed a trend in the distribution of principal and interest. Instead of gradually declining ( Interest Payment ) and increasing ( Principal Payment ) the numbers keep jumping back and forth, which is highly unlike the result of simple interest equation. I got with my financial adviser to look over the statement, Contract and my account and upon revision came to the same conclusion that the numbers are not adding up. I called Bridgecrest after my talk with him and got connected to the Military department where I spoke with a lady who gave me the same spill about my interest is calculated on a daily basic and nothing is out of the ordinary. I then realize that I would not resolve this without a third party. Also, I noticed that my first Bi-weekly payment all went to interest.

In addition, I also compared the balances from statement with all three of credit report and notice that they did not match.
Did not open a loan in 2009 with XXXX. Nor did I co sign for anyone.Also, I never had a XXXX account. No mail for me has Ever been give that address on my behalf. Found out that it belongs to my ex husband.
On XXXX XXXX, 2017 I contacted TransUnion for the third time and requested they dispute and investigate items on my credit report such as hard inquiries that are inaccurate and I didnt authorize. They refused to investigate my dispute. I spoke with XXXX and she refused to transfer me to a supervisor. She stated that shes the supervisor and shes not investigating the inaccurate and unverified information on my credit report and I want those inquiries deleted immediately. This is in violation of the Fair Credit Reporting Act and I am aware of my rights. 

I would like the following inquiries to be removed as they wasnt verified and I didnt authorize these inquiries. These are not mine : - XXXX XXXX XXXX XXXX na - XXXX - XXXX XXXX XXXX XXXX - XXXX via XXXX - XXXX XXXX XXXX - XXXX XXXX local via XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX via XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX My next step will be litigation. If this isnt corrected.
PROPERTY LOCATION : XXXX XXXX XXXX, CA XXXX WE HAD A HOME MORTGAGE THROUGH WELLS FARGO BANK FROM XXXX XXXX - XXXX XXXX. THE ENTIRE FOUR YEARS WAS EXCEEDINGLY EXPENSIVE IN REGARDS TO FEES, CHECKING ACCOUNT FEES, PMI AND CLOSING THE SALE TO STOP WELLS FARGO BANK ON OUR NAMES. WE SUBMITTED REQUESTS THREE TIMES TO PROVE WE HAD ENOUGH EQUITY TO PAY OFF ANY/ALL SHORTAGES IN ORDER TO HAVE THE PMI WHICH WERE EXTREMELY HIGH FEES - DISCONTINUED. I TALKED TO A NUMBER OF PEOPLE FROM WF BANK AND THEY KEPT REFUSING EVEN THOUGH WE HAD A NUMBER OF PEOPLE TELLING US THAT WE HAD ENOUGH PAYMENT HISTORY AND EQUITY INCLUSIVE IN PROPERTY TO HAVE PMI DISCONTINUED. WE FEEL THIS PRACTICE BY WELLS FARGO IS VERY UNFAIR, DISHONEST, AND UNJUST.
I have been on the Revised Pay As You Earn plan with Navient for two years. For that entire time my monthly payments have not been enough to cover the monthly interest. My payments have never been applied to the principal and my accrued interest ( and total balance ) keep increasing. 

I was never made aware of the subsidy that is supposed to be automatically applied to help in this situation and just happened to come across information about when trying to figure what to do about my loans. 

I contacted Navient to try to understand what is going on, but their responses have just been to explain the subsidy, and they have not tried to look into or explain my specific situation.