WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent 2 checks by certified mail to cover my subsidized and unsubsidized loan in the amount of {$6700.00} and {$9000.00} to cover my Career training loan. All three loans are through Navient. The checks were mailed certified mail on XX/XX/XXXX. I wrote the loan number, loan name and account number on each of the checks to make sure that the monies were allocated to the correct account. These checks should have paid off all of my student loan debt, short of a possible small amount of interest due for the time period between the date the check was mailed, and the date the check was recieved and processed by Navient. 

Navient applied the monies to the accounts in a manner that left we owing money still on 2 of the loans, {$1400.00} on a stafford subsidized loan, {$2300.00} dollars on a Stafford unsubsidized loan, and a {$3700.00} credit on my career training loan. This information is showing on my Navient accounts as of XX/XX/XXXX at XXXX XXXX. Navient recieved and cashed both of my checks and they have cleared the bank as of XXXX XXXX, and the 2nd check ( {$9000.00} ) cleared my bank account on XX/XX/XXXX. Conveniently, the 2 loans that are due to be paid next, are the 2 loans showing a balance owed still. I believe that this is so they can charge additional interest, even though they are paid in full. I have many complaints about the handling of my loan, they have gladly offered forberance to me several times a few years back without disclosing the negative effect it would have on my loans and how it would end up costing so much more in the long run. They have been unwilling to work with me on providing a fair interest rate, and my loans have cost well over double the amount of the original loan taken out 10 years ago due to the 14.8 % interest rate they charged. I have had to cash in my 401K as my only means to get out from under these loans, and still they are trying to get more money by charging interest on loans that I have paid in full, and allocating my sent checks to the loans in a manner that went strictly to their benefit, and not how I instructed the money to be allocated. They have been impossible to reach by phone, and emails are answered only with a generic reply stating someone would get back to me soon. They have been nothing short of loan sharks and I am outraged at how they took advantage of me and how they are still trying to take advantage of me by charging interest on loans I have paid. This should be illegal. It is certainly unethical and in my opinion, immoral.
called my daughter telling her that she will be sued if I, her father, do not contact him and pay a debt. he also said that the debt was settled in the past but he was still trying to collect. I never received a call from the company
I have a Dillards XXXX XXXX card. I used it on XXXX/XXXX/2015 to purchase a XXXX of items at Dillards in XXXX. I happened to sign on to the credit card website today ( XXXX/XXXX/2015 ) and it has the balance due listed as owed by XXXX/XXXX/2015. I received no statement in the mail or by email, no notice that the due date was here. Further, the secure email feature on the website was XXXX, so I was unable to contact Dillards. This is the XXXX time in a year that the card has listed a payment as due without sending me a statement or notification. I know they have my email and address because they are constantly sending me marketing advertisements. 

Is n't this illegal? Are n't they supposed to let you know when the due date is on a payment? Last time, the payment was listed as overdue and again, I only found out because I signed on to see if there was a statement available.
I was added as cosigner on a student loan through  XXXX   XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I added  XXXX  stipulations for the loan :  XXXX  Interest would be paid during school to avoid a Higher amount of principle at the end of school.  XXXX  I be notified if the loan payment is late.  XXXX  do not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then National Collegiate Trust. The loan is serviced by  American Education Services  and despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected. NCT and  AES  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held hostage or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Getting a loan : Qualify for a better lo an than offered
To maintain A-List status with XXXX XXXX, you must either earn XXXX points or fly 25 one way flights. XXXX has a credit card with Chase and there is a marketing promotion that if you sign up for the card and spend {$1000.00} you get XXXX points. The marketing promotion did not clearly specify that these XXXX points would not go towards the A-List status. I checked my account and noticed that the XXXX points were applied to the Companion Pass status, but not to the A-List status. I called XXXX and asked why the points were not applied to the A-List status and their response was that the points only go towards my overall point balance and the Companion Pass status. I explained to them that this was not clearly stated in the promotional material that I received and had I known this, then I would not have signed up for the card. I signed up for the card because I wanted to use the XXXX points to maintain my A-List status for next year and knew that I would not be flying 25 one way flights this year. I found the marketing material to be very deceptive and am certain that I would not have signed up for the card had I known that the XXXX points would not count towards my A-List status.
My XXXX had XXXX on XXXX XXXX, XXXX in XXXX, FL. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then bedrest at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and bedrest, I stayed in FL and was unable to take my return flight home. 

Chase claims this is a pre-existing condition. Per the Physician 's Statement, this was not a pre-existing condition because they discovered a XXXX in her XXXX just a few weeks prior to the XXXX. Mom needed me, so I stayed in Florida to help her, which meant I was unable to take my flight home. I believe this qualifies as a cancellation due to medical emergency.
I had medical insurance at present time 2014 by the State they made an error that I did'nt have medical coverage when I did. The State sent me a letter showing error and that medical bills will be covered I submitted the proof to the debt collector and they are still trying to hold me liable for the debt.
I owed XXXX XXXX XXXX {$50.00}, they processed my personal check # XXXX for {$50.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 
I owed XXXX XXXX XXXX {$110.00}, they processed my personal check # XXXX for {$110.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 

I have proof of payment for both checks. 

I have sent both companies through email on XXXX/XXXX/XXXX the processed checks front and back. XXXXXXXXXXXX and XXXXXXXXXXXX. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX about the clarification of these accounts being paid and reported to Rash & Curtis & Associates. I told her that both accounts showed an open status with Rash Curtis & Associates. She told me that the account from XXXX was paid and cleared with Rash, I requested a zero balance statement and she submitted my request letting me know it would take 7-10 business days to receive my statement. She told me I would also receive from Rash Curtis & Associates a letter stating my account was paid. She confirmed with me that they received my email. She told me the account from XXXX would require a supervisor to look into that account because it was placed in the deleted files. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up with the XXXX account and she told me they were still looking into it. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up on both accounts and he told me they requested me a zero balance statement be sent to me on XXXX/XXXX/XXXX. I told him I did not receive it. He told me he would request it again and it would take 7-10 business days. I told him I needed it now and that his company was causing me financial hardship and violating my consumer rights. I asked to speak to a manager and was transferred to a voicemail. 

I hung up.
We are 10 years into a home mortgage, originally with XXXX XXXX, sold to XXXX XXXX XXXX, then sold to M & T Bank ( XXXX, MD. ) One payment was late in XXXX and M & T Bank then refused to accept our payments and told us to work thru their Mortgage Service agent : XXXX XXXX XXXX. 
XXXX told us not to send payments until the paperwork was completed on their side, which never happened. 
We made a catchup offer at that time which was ignored. 
We retained a lawyer who advised that we start a Ch. XXXX Modification plan to protect our home from foreclosure actions, which we did but we kept our house outside of the mod plan and made every payment. M & T Bank 's lawyer filed a document at the discharge of our case XXXX XXXX that all payments ( arrearage and payments XXXX were current. 
M & T Bank accepted/cashed our XXXX XXXX payment and now has not accepted/cashed our XXXX, XXXX, or XXXX payments that our lawyer instructed that we send to their lawyer to make sure they would cash them. It has been two weeks and they are still not cashed. This has damaged our credit ratings, made it impossible to re-finance, and jeopardized the bills that are paid from our escrow. Their actions are unethical, borderline illegal, and violate the directions from our Ch. XXXX case judge.
I XXXXhad made dposite in my wife acount didnte to do that now they holding it and my job already verify funds so i dont see the big issuse i need this resolved. Now thats my check. ..
someone used my information in creating this debt or account and it is not mine. i have filed police reports and had affidavits notarized in this matter this company seems to be reporting information from an issue where somein has forged and used my idenitity to get this account open
XX/XX/XXXX , my l oan was brought fr om   XXXX   XXXX   XXXX   XXXX   by Lending Bea  r. I  was told that I would have 45 days to make a payment, by 30 days later they started taking money out of my account and than they just stopped. A couple months after that my car broke down and they repossed my car and started callin g me in  XX/XX/XXXX    saying that I owe {$3000.00} and that they were trying to contact me but I never received anything in the mail and tha t was the last time I received a phone call from them.
I purchased on XXXX 2013 with a promotion for24 months no interest I called to confirm and they advice on how to pay the minimum plusthe required additional money in order for me to pay it on the 24 months, I did that and alsowas reflected on the statements and after the 24 months they double my balance and toldme that have no record because their system is only for 12 months and could n't help me, Ihave all the records for the 24 months along with the promotional card and phone callrecords, I am XXXX years old and I do n't think is fair to be abused by a big company. 
I am only attaching the critical statements but I have all 24 months if you need them Thanks
I have contacted Experian several times over the course of the last 3 months. Via phone and online, I have also filed numerous investigations in written for 3 accounts XXXX XXXX XXXX XXXX and XXXX XXXX, send certified returned receipt. The dispute came back as Verified, Accurate and updated but there is a BIG PROBLEM with the payment history all 3 accounts showing wrong payment history. XXXX XXXX shows my last payment on XXXX XXXX as my last payment, XXXX shows my last payment as XXXX XXXX and XXXX XXXX shows my last payment as XXXX XXXX. On XXXX all my account was still in GOOD STANDING with those companies, my account went to collection after I went overseas for several months and it was not in XXXX. I have also requested Experian to supply written proof of my payment history and they have not provided the information requested. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this accounts that you are reporting in my report. Please do n't respond to my request by saying that these accounts have been Verified, Accurate and updated. Please be advised that Under Section 611 ( 5 ) ( A ) ( i ). Of the FCRA by publishing these INACCURATE and UNVERIFIED items on my credit report and distributing them to 3rd Parties you are damaging my reputation and credit worthiness. You are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau, the Better business bureau and the State Attorney General 's Office. They will also be submitted as evidence in pending litigation provided if you fail to comply ; I Already contacted the law Office of XXXX XXXX, XXXX. About this case All information reporting on my credit report got to be 100 % Accurate per FCRA. 
CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETED INACCURATE, INCOMPLETE, or UNVERIFIABLE INFORAMTION. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
First Dispute was on XXXX/XXXX/XXXX Second Dispute was on XXXX/XXXX/XXXX Third dispute was on XXXX/XXXX/XXXX.
I am in the process to obtain a loan modification and also I applied for assistance with " Keep Your Home California '' and my lender ( bank of america XXXX gave a wrong information to Keep Your Home California and now keep this institution cancel my file. I am really disappointed that bank of america gave the wrong information when I am still in the process to get approve for my loan modification. I might qualify for " keep your home California ''
I filed a complaint with the credit bureaus for validation of this account. This was account as deemed as updated and accurate. I then filed a complaint directly with XXXX XXXX XXXX by certified mail which included my full name and account number as listed on my credit report. After I had not received a response, I contacted them via XXXX XXXX on XXXX/XXXX/XXXX. After our conversation there, a representative from their company contacted me. Upon speaking with the representative, I provided their requested information to identify this account. I did not provide them with the account number. However, my account was located and I was told I would receive a letter in the mail with all of the information regarding the verification of the account. However, I received a letter dated XXXX/XXXX/XXXX stating I did not provide them with enough information for them proceed with their investigation and must consider it closed. 
I 'm confused. I spoke with them the day after the letter was composed. How is it that the information provided on XXXX was not used to verify the information they continue to report to the credit bureaus on this very old account. The balance was paid in full.
I continue to receive calls from Chaplain Financial stateing I owe payday loans from several years ago from XXXX different payday loan operations. I told them I have never taken a payday loan out. They gave me information that was mine but was not consistent. Ex, old addresses, old employers etc. At one point they told me they were going to take me to court- I said I have n't received any judgments in the mail. They stated that they came to my home and took pictures. They have also called my sister and brother asking about my where about. I called them and asked for a verification letter showing the debt I owed and the Virginia creditor- they sent me an email but it did not have much information on it but the name of the creditor- which I looked up and could n't find a working numbers for any of them.
This company has a problem telling the true with their debt settlement program. When I signed up XXXX, I thought they was handling my settlement program. I was told there will be no additional fees for service and they will contact my creditors to handle the proposal. However, this was a lie. 
They have another party Global Client Solutions XXXX and UCAN involved and they are the unprofessional and rudeness people to deal with. Refuse to call back, refuse to talk with the creditors on a proposal and lied about what is available since they are also taking fees that I was told at the beginning will not occurred. 
Today I talked with a supervisor XXXX and he was rude and told him I do not like the wait he was talking and gave me a very caustic answer.
I have attempted to file a dispute on the Equifax website many times. Each time, even though I am entering the correct information, I am receiving an error message that my entry ( s ) do not match their records. 

Let me point out that prior to this string of errors messages, I had been able to file a dispute entering the same information. 

Also, I have sent emails as instructed by their error message with no response.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present Equifax security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, Equifax and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX
I disputed inaccurate information that was on my credit Report with XXXX and Exqiufax almost two months ago with XXXX XXXX Account # XXXX Late payments that was incorrect Eqiufax gave them 30 days to respond and they don't so Equifax send me paper work that it was verified that I had No late payments so, Two weeks later Equifax Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact XXXX and Equifax.Thanks
Wells Fargo has not complied with any of my legal requests for debt validation, recordings, copies of the note to prove who owns the property. Where the property was recorded. Discharges from the XXXX and XXXX proving they used the XXXX they scammed me for was really used for said purpose. They responded to the CFPB that the XXXX was used to payoff existing mortgages. They sent you a copy of what they filed with the Title company to steal the XXXX. They love scamming the elderly. Again, I live on social security and have recently retired because the XXXX I worked for have retired. I 've been a XXXX for over 35 years. I 've worked in the XXXX. The debt validation letters should follow Massachusetts Fair Debt Collections Practices Act Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided.
My XXXX year old son has been receiving credit card offers from Capital One for the past four months. I called in XX/XX/XXXXto report it when it first happened and was told that his information would be deleted from their database. 

I then received, yet another one in XX/XX/XXXX. I commented about it on their XXXX page that my son kept being solicited, despite them assuring me that they would be removing his personal information from their database. 

Then it happened, yet again, at the end of XX/XX/XXXX. I contacted them, yet again, on social media. They wanted a photo of it and I sent it, again. They told me, again, that the information would be removed. 

Today, XX/XX/XXXX, he received another credit card offer. I made another negative comment about it on social media and received another stupid response via XXXX asking if it was for a car loan?! 

EVERY SINGLE ONE OF THE CUSTOMER SERVICE REPS STATED THAT THEY " REMOVED HIS INFORMATION '' BUT ( CLEARLY ) THEY WERE ALL WAS A LYING. 

I honestly do n't even know how they got my minor child 's personal information but I want it deleted, NOW. What else am I supposed to do to have them stop sending him credit card solicitations? The kid is XXXX!! 

How did they even get his information??!! And why ca n't they remove it since he is a minor and I am requesting it over and over and over and over again?