WillisBack/dataset-financial-user-claim huggingface dataset:
I am a monolingual Spanish speaker, and a bilingual person typed this for me. Please correspond with me in Spanish. 

In XX/XX/XXXX, XXXX XXXX, cold called her. Shortly after, a sales representative for XXXX XXXX XXXX, came to my door offering to sell me a tutoring system for my XXXX year old daughter. XXXX XXXX told me that she could receive one-on-one, in person, tutoring services from one of your academic tutors once a week in our home. I was also told that there was a companion application-based course program. XXXX XXXX had us complete documents for contracts with both XXXX XXXX XXXX and Equitable Acceptance Corp. I paid a {$100.00} deposit. 

Originally, the first appointment was scheduled for XX/XX/XXXX. Your employee failed to appear at the appointment, and gave an excuse about some problem. Subsequent appointments were also missed with different excuses. My daughter has yet to receive a single tutoring session. Furthermore, I downloaded the app, but am unable to access the content. I have contacted your company repeatedly about these problems with no satisfactory response. 

Moreover, I have been made aware that XXXX XXXX XXXX, via the parent company XXXX XXXX XXXX, has had its corporate status forfeited by the California Secretary of State. Additionally, Equitable Acceptance Corporation has had its corporate status suspended by both the California Secretary of State and the California Franchise Tax Board. 

I wrote a letter to XXXX XXXX XXXX and Equitable Acceptance Corp. I have not received a response.
There are XXXX amounts this company says I owe them XXXX for {$75.00} and the other for {$1800.00} as of today. Previously, about 6 months ago it showed I owed them over XXXX dollars. The amounts keep changing. I sent a validation of debt request to this company via certified mail and it was signed for and received on XXXX/XXXX/16. I waited for over a month with no response. On Friday, XXXX XXXX I called this company and asked them why I have not rcvd a response and the rep advised me they rcvd a notice but had not responded to me which violates fdcpa.
PORTFOLIO COLLECTIONS CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF XXXX ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.
Several months ago, I tried to set up direct debit for a significant over-payment on my student loan amount ( to help pay the loans down faster and avoid interest ). When I tried to set up this direct debit on your website, the website returned an error message that said " Please correct the following 1 error ( s ). Additional Amount can not exceed 1,000.00. '' I contacted customer support, and they told me that this is a " known glitch '' that their IT had been trying to fix for over six months. They instructed me to write a letter to XXXX XXXX asking to set up direct debit for the over-payment amount. 

I just tried to increase my over-payment, and I encountered the same problem again. The website still gives that same error. I contacted customer support and spoke with XXXX, employee ID XXXX, and got the same answer : I have to send a letter requesting the over-payment. 

I find it very difficult to believe that this error message is a mere computer " glitch. '' Computer glitches do no explain themselves in plain English. A human had to have entered that function, and the error message explaining it, pursuant to some internal policy. 

Assuming this is true, I find that policy profoundly unfair, bordering on deceptive and dishonest. It places a completely unnecessary procedural hurdle in the way of borrows trying to pay down their loans as quickly as possible. I can see no reasonable justification for this. And, even if it is a simple " glitch, '' it should not take a major loan servicer more than eight months to fix it. 

I am writing the necessary letter tonight, so my immediate problems are solved. But I want XXXX  to fix this " glitch '' as soon as possible, to make it easier for students to pay down their loans as quickly as possible.
This debtor will not validate ownership of this debt. They continue to insist that I owe them money for a loan that I did not apply for. I asked for the application verification, etc..to no avail. They menacingly called my home, threatened to negatively report to CRA, repeatedly and stopped by my home personally leaving cards, and quizzing neighbors of my whereabouts. Now, it has shown with a negative impact on my credit report and I want them held accountable. I have asked numerous times to review the loan application that I supposedly completed. I get no cooperation other than threats of damage if it remained unresolved. I would like it resolved once and forever, now.
Approximately four months ago I initiated a loan with Bank of America through a man named XXXX XXXX, the application number was XXXX. Bank of America assigned a closing date of XXXX XXXX. We requested this to be moved up to XXXX XXXX and they ignored that request. On XXXX XXXX and XXXX I was contacted by XXXX XXXX XXXX of Bank of America saying- after all of the underwriters had approve the loan previously- that they needed more information. The information they needed was assurance that I had more than {$40000.00} in cash reserves. I do most all of my banking at Bank of America and have roughly {$350000.00} available to me and Bank of America has access these accounts. The next day- one day prior to closing - XXXX XXXX contacted me again and said they had noted a payment to XXXX timeshares I own and I had to explain this to them. I own XXXX timeshares and I get bills every year like anyone who owns a timeshare and I paid them. I sent this information to them with a promise that we would close shortly the next day today XXXX XXXX. On Friday, XXXX XXXX, XXXX XXXX was not available nor washis supervisor. I then talked to another person, XXXX XXXX XXXX, who indicated that he would take that information and send it to the underwriter and that we would not be able to close on Monday but possibly Tuesday or Wednesday. The rate lock expires on XXXX XXXX. I fear that Bank of America after having this loan application for four months is now intentionally delaying the closure until the rate lock expires on XXXX XXXX, in order to renegotiate the loan in light of XXXX of the Federal Reserve indicating that rates will go up. I hope I am incorrect in this but I do need some assistance from someone with more clout than I have to get this loan closed in a timely fashion. I have spoken to an independent attorney and an independent mortgage broker both of whom indicate that the material they request is absurdly inconsequential and they feel the bank is not acting in good faith.
I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine
XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX  by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX did not remove the hard Inquiry that was placed on my credit report with XXXX  XXXX   XXXX  they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX/XXXX XXXX XXXX XXXX date XX/XX/XXXX that was not autherized by me, and XXXX XXXX XXXX XXXX also pulled my credit report from XXXX on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.
I have 3 cards with Barclaycard. Previously they were in good standing however all of a sudden Barclaycard decided to close all my accounts and triple my minimum payments. they have been also adding a lot of extra fees and interest. I am a XXXX XXXX XXXX veteran who has been going through severe medical issues and this company is trying to capitalize on my misfortune. I have been diagnosed with XXXX a severe life long XXXX XXXX that has affected my ability to work full time. 

Instead of working with me Barclaycard pushes my balances higher and higher with exhoirbanant fees and interest. This company is a heartless being. I have repeatedly asked for a lower payment plan and lower interest rate but they refuse. 

Then on top of my medical issues Hurricane Irma hit my area and resulted in damage to my home. Again, no relief from XXXX.
I dispute all inquires from XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I FID NOT GIVE AUTHORAZATION TO PULL MY CREDIT PLEASE INVESTIGATE AND REMOVE THOSE INQUIRES THX XXXX XXXX
My family had outgrown our Honda and due to the lack of credit, went to Drive Time to purchase a crossover vehicle. While we were thrilled with the high interest rate or 5 year terms, we were told that it would be reported to the credit bureau and that was an ultimate plus in our book. Less than a year after getting the vehicle, I had a XXXX issue and work was not an option. I was forced to apply for XXXX. I applied for a loan to consolidate a few bills and make a smaller more reasonable payment than the {$440.00} I was currently paying and found out that Drive Time had never reported anything until I was late. There were no positive markings from them at all. I ended up defaulting on the loan. I contacted Drive Time made a promise to make good on my loan as soon as I received my XXXX. They informed me if they saw it ... they would take it. 
Moving forward ... I received my XXXX and kept my promise with Drive Time, I paid over {$2500.00} and continued making my payments. They were reporting my payments up until XXXX of 2014 and stopped. The amount was written off as bad debt and my credit score dropped by XXXX points. When I inquired about it, they said they would fix it ... it took over 3 months and instead of fixing it, they put {$1800.00} on my report as a new loan. You would think this would be an easy fix. I kept my promise and did the responsible thing ... the average person would n't have paid off a vehicle that is in default and costs more than its value. Being a woman XXXX XXXX, I feel you get what you put in the world and so I did what I felt was the right thing. It bothers me that Drive Time hasnt. As a XXXX person, I should n't have to make numerous calls, get a run around and no results. As of recently I owe {$550.00}. In XXXX I was offered a pay off of a little over {$800.00} ... which I did n't have. So this month I was told {$400.00} was the best that they could do. I just feel like I 'm being hustled and drug along until the very end of my financial commitment to Drive Time. Yesterday I requested my payment history to show credits I 've received for referrals, late fees etc, so I could dispute with the credit agencies and get it fixed ... was promised it yesterday ... I still have nothing. 

I will forever be thankful for the blessings and Drive Time 's patience ... but the things I 've endured the last few years has made it hard to speak great about them.
They just called my husband out of the blue. Saying he owed the debt collection agency XXXX. For a supposed debt made in XXXX, Arkansas in XX/XX/XXXX-XX/XX/XXXX. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them XXXX. We want our money back if it is a scam.
I contacted XXXX XXXX XXXX XXXX in XXXX XXXX, Louisiana, on XX/XX/2018 by phone to validate debts. I spoke with XXXX in the billing department and she did not have any legitimate proof that I have a debt with them. She called Account Control Bureau which is their third party collection agency and told them to remove any debts that I have associated with them because my insurance with XXXX XXXX XXXX XXXX that I've been covered with the last 5years, has covered all medical expenses.

My complaint is with Account Control Bureau collection agency who has 5 medical bills that are being reported incorrectly with XXXX and XXXX for the last 2-4 years. On the other hand XXXX have delete all 5 medical bills due to inaccurate reporting and not being able to prove the debt was mine verified and validated. 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to release any of my medical information to this third party collection agency ( Account Control Bureau ).

Account Control Bureau is reporting 5 different amounts with the same account from different creditors. 
Account number:XXXX 1. $ XXXX XXXX XXXX XXXX, XXXX 2.  $ XXXX XXXX XXXX XXXX 3. $ XXXX XXXX XXXX XXXX, XXXX 4. $ XXXX XXXX XXXX XXXX 5. $ XXXX XXXX XXXX XXXX All creditors and account control bureau have not being able to provide legitimate proof ( verify and validate that the debts is mine ) therefore since these have been reporting incorrectly, i'm requesting immediate removal.
I have a new phone number and the last person that had this number apparently had several debt issues. I have notified the company several times that I am not the individual they are looking for and to please remove me from their lists, however, they have not done so and continue to keep calling me.
I am not sure if this is the appropriate menu choice for my concern. I have 3 student loans - two of which I have been repaying since XXXX. My employment since mid XXXX has been in PSLF qualifying positions with the exception of a few months. If it doesn't add up to 120 months, it is darn close. My concern is about these two old student loans, not my more recent loan for grad school. 

Due to confusion about PSLF and how the program worked, in addition to inconsistent information, I did not re-consolidate my loans to XXXX XXXX from XXXX XXXX till XXXX. I am hopeful that by the design of TEPSLF, I may qualify for forgiveness for these two older loans. I have emails documenting all of the  interactions described below. 

To date, I emailed TEPSLF to inquire about details and whether or not I may qualify - didn't want to waste their time or mine! I was effectively told to go away, apply for PSLF and be denied before they would engage me in any dialogue. 

I applied for PSLF around XX/XX/XXXX, and my application for some reason was converted to an ECF in the XXXX XXXX system. I re-applied for PSLF again XX/XX/XXXX, and was subsequently denied a few weeks later. I then promptly emailed TEPSLF per the instructions on the Department of Ed site, and the reply was that I was ineligible because I hadn't applied for PSLF and been denied. I then replied to this email and attached the denial letter from XXXXXXXX XXXX and asked that they reconsider this. 

I also called to inquire, and was told by the operator that since my loans pre-XXXX were not XXXX XXXX, I shouldn't be concerned - my loans hadn't been " the right kind '' so I wouldn't qualify for TEPSLF anyway. Besides, I had been paying on them for 6 years, so I only had 4 to go! In fact, my tally of qualifying payments is closer to just under 5 years per the XXXXXXXX XXXX evaluation from XX/XX/XXXX. I asked that I receive an official evaluation and documentation of my approval ( or expected denial, per her feedback ). At this point, I am awaiting feedback from my last TEPSLF email requesting reconsideration of my request and including the PSLF denial letter sent XX/XX/XXXX. 

As with many experiences with XXXX XXXX and XXXX XXXX I have found that if I speak or email 3 different representatives with the same concern, I get at least two different answers. This is still very frustrating, but expected at this point.
Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with Experian, XXXX XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. Experian, XXXX  XXXXhas FAILED to do so. I feel as if Experian, XXXX XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if Experian, XXXX XXXX  and I can resolve this issue without having to see a courtroom. I will await Experian, XXXX XXXX response before I disclose any of my personal information.
I had a XXXX credit card opened in XXXX with a/c # XXXX I had a job lay off in XXXX and a foreclosure because of that in XXXX. I was working with an attorney and somehow i was given wrong information at that time and i added the credit card account also part of the process. It was charged off in XXXX. Based on understanding from previous research, XXXX settled with Federal govt. and agreed not to proceed with any further collection efforts. I was sent a XXXX and balance of XXXX was reported as income and i paid tax on this amount. However, XXXX is still reporting this to credit agencies as Amount due, and the current balance is showing as XXXX I have been trying to contact XXXX multiple time and have been forwarded to different groups and call centers without resolution. Here are the details below for the calls today XXXX/XXXX/XXXX, after i got the latest update from Equifax that, XXXX verified the past due amount on XXXX/XXXX/XXXX as XXXX Called XXXX at the no given by the Credit Agency - Equifax as the contact details XXXX, DE-XXXX XXXX Was asked to contact - XXXX Talked with XXXX XXXX ( ID ) Confirmed the a/c no is XXXX Got transferred to XXXX XXXX ( ID ) Was advised to contact XXXX XXXX XXXX She transferred me to XXXX XXXX ( ID ) She advised to contact XXXX XXXX XXXX Got disconnected Please find aatached the XXXX form from XXXX. Kindly help
In XX/XX/XXXX I started to repay my student loans from the State University of XXXX XXXX - College of XXXX XXXX XXXX XXXX in XXXX, XXXX. 

My payments were just under {$500.00} per month ( approximately {$480.00} ) In XX/XX/XXXX after paying close to {$60000.00} ( over what I originally borrowed ) I stopped paying. 

In XX/XX/XXXX, a garnishment was placed on my paycheck and now {$220.00} is taken each paycheck for the past year and a half. Also my XX/XX/XXXX income tax return ( {$4600.00} ) ; XX/XX/XXXX income tax return ( {$3000.00} ) ; and XX/XX/XXXX income tax return ( {$750.00} ) have been swept.

As of XX/XX/XXXX approximately {$9000.00} of income and {$8400.00} of income tax refunds have been taken for a student loan debt that has not already been paid off but supposedly still is {$60000.00} of a remaining balance. 

At this time I am requesting that my Public Service Loan Forgiveness approval be activated so this can be resolved and the garnishment be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
This is written due to continuous misconduct and misinformation on behalf of Navient. After reviewing the promissory notes of XXXX private loans and consulting with her, we have found that she has been misinformed and was not given any explanation with regards to her loans and when she must start paying them. In addition, we have found an instance of potential fraudulent activity on one of the promissory notes. Firstly, these loans were signed to XXXX XXXX in the years of XXXX and XXXX. The loans are currently being serviced by Navient, when they were never signed to Navient. On all three promissory notes, there are no terms and conditions highlighted. The interest rate, terms of the loan, and terms of repayment are not present on any of the promissory notes. Therefore, XXXX was given these loans without any piece of information regarding the details of the loans as well as the implications of retaining them.
On one of the loans, taken out on XXXX/XXXX/XXXX. It is written under XXXX and her cosigners signatures that these are NOT ORIGINAL SIGNATURES, as highlighted on the attached promissory note. This indicates that these might have been signed fraudulently. XXXX was not told when she had to start repaying her loans. She started repayment in XXXX, between the time she took out these loans and started paying them, at least {$24000.00} of capitalized interest was added on to her balance. If she was informed correctly about the terms of the loan, she would not have this high amount of interest added onto her balance. Even though she has paid approximately 30,000 towards her loan, her balance is increasing at an extremely high rate. It is now {$71000.00}, when her original balance was {$52000.00}. XXXX has been taken advantage of and completely misinformed with regards to her loans. She is now in a much worse position than she was initially.
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.