WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I purchased a car through Santander Consumer. The cost of my car was {$12000.00} with an interest rate of 24.99 % I put {$3000.00} down. As of today XXXX/XXXX/XXXX, I owe {$13000.00}. I have made XXXX payments of XXXX. 
I called Santander to ask questions about my loan, I was told that My balance is my balance whether I pay off the loan early or not. XXXX XXXX the manager I spoke with could not tell me the amount of interest and the amount of Principle that defined my loan. I was told I have a simple interest loan with accruing daily interest of {$8.00}. and after 10 days a late fee is applied of XXXX. I do n't believe that this loan fair nor should it be legal to take advantage of consumers when we are not aware of all of the thin lines and loop holes. I have paid {$16000.00} on my car and I still another 4/5 years to pay it off. It is a XXXX XXXX XXXX.
In  XXXX  of  XXXX  I began the process of consolidating all of my loans in order to enroll in th e Public Service Loan Forgiveness Program. I have   XXXX  sets of loan s (   XXXX  for  XXXX  and  XXXX  for  XXXX   ).  The newer loans were released for consolidation in  XXXX  of  XXXX , but the older ones were retained by  Navient. It  has taken me since  XXXX  of last ye ar ( countle ss hours on the phone wit h Navient a nd the new loan servicer ) to find out why the older loans were not released. Apparently, at some point during their history, my previously federal/public student loans, became " unsecured '', making them ineligible for release ( according to Navient ).  Navient is   either unable or unwilling to provide documentation showing when or how the loans became unsecured. I believe that the current " unsecured '' status of my loans is due to an error, either on the part  of Navient  or  one of i ts predecessors/previous iterati ons (   XXXX   XXXX , etc. ). After all these months and countless hours on the phone with  Navient, I am now (   XXXX   XXXX  ) being offered the option to settle on my loan. This further increases my suspicions that my loans have been mishandled. Along with the fact that I felt the supervisor that I spoke with last was condescending and threatening with me.
I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from XXXX to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.
My issue is with XXXX, the XXXX XXXX. XXXX XXXX major contracted loan servicing company. This is the loan servicer that borrowers are *forced* to use when attempting to have their loans forgiven via the Public Service Loan Forgiveness program . They are notoriously incompetent, and so I have exercised extra vigilance in monitoring how my loan payments have been handled. Even with my extra effortsand even though I've only been paying XXXX for a year and a halfthey have already massively bungled my PSLF. My complaints : 1. They have miscounted the number of of qualifying payments I have made towards PSLF. Despite direct debit, which provides explicit documentation of every payment I have ever made to them ; and despite the fact the I have only worked at one employer the entire time my loans have been serviced by XXXX other words, despite an extremely straight-forward PSLF situationthey have *still* miscounted the number of qualifying payments I have made, missing the mark by six whole payments ( months ). Calls to customer service have been fruitless and frustrating, and it took a call to the federal student loan ombudsman to receive the " secret '' phone number to an " escalated '' ombudsman who actually took the time to hear my complaint. 

2. In the process of sorting through the above, I discovered that, when XXXX XXXX consolidated and received my loans from my original servicer ( the much more reputable XXXX XXXX ), they neglected to take ownership of two of my original loans. I was not alerted to this fact. In fact, I was not made aware at all that they could possibly not take ownership of my entire debt ; I was only told that my loans had been successfully transferred. The result is that, for 13 months, I had two long-lost loans that remained at XXXX XXXX, that were going unpaid and unnoticed by me. I then spent 3 hours on the phone, with XXXX separate ombudsman ( at the federal level, at XXXX XXXX, and at XXXX XXXX ), and I still have no clarity on what I need to do with these lost loans
My 5/3 credit card was stolen and it now has a $ XXXX balance. I 've contacted Fifth Third several times and they ignore me. I am not going to pay for this, as I 've already told them that these charges were not made by me. They send me letters and call me constantly and I always tell them the same - I am NOT paying for transactions I DID NOT MAKE. If they do n't remove these charges and stop the harassment, I will take legal action.
Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )
On XXXX XXXX, 2015 I have made an online payment to my discover card which covered my full balance. Once the payment confirmation appeared, it stated that all my future direct payments will be cancelled. On XXXX XXXX, 2015 an additional payment, in the amount of my usual direct payment, was withdrawn from my bank account causing an overdraft charge. On XXXX XXXX, 2015 I have contacted the discover card in order to resolve the issue. The representative I spoke with told me that the amount of the direct payment will be transferred back to my bank account, however the amount of my overdraft charge will not be returned and that I have to ask my bank for the refund of that charge. I explained to the representative that the bank did n't make any mistakes and will not return the fee since the charge was made and was covered by the bank. To which the representative replied that unfortunately discover does n't refund bank fees. I once again explained that the overdraft was due to the mistake made by discover card and discover card should be the party responsible for the charge. Unfortunately I was once again told that the money I had to pay my bank will not be refunded.
Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Name XXXX XXXX is incorrect. Capital one account I 've never had accredit card. The spring associates amount is incorrect I 've disputed and called their office. Insurance paid all but my portion which was {$500.00} of which I paid {$350.00}. His office has had many complaints to about over or double billing insurance companies
I applied for a BBVA Compass account and they denied me saying " UNABLE TO VERIFY IDENTIFYING INFORMATION ''. Surprisingly, they were able to pull my XXXX report and state my credit score. They did not call me to verify at all what information they need. I called them to check the status before and they can not tell me anything but to reapply in 30 days. Sounds like a waste of a hard pull on my account. I am willing to provide any identifyinh information to them if they ask. Thanks!
I received a Lemon car from XXXX, which I voluntarily surrendered due to a lawsuit that was in progress against XXXX. I returned the car to them and was told this would not go on my credit. I DO NOT have a contract with NCB.
XXXX XXXX XXXX sure me for a loan made to XXXX XXXX in XX/XX/XXXX. Never paid because of hardship. They sued me ins XX/XX/XXXX and never received paperwork about the validity of debt. I owe XXXX to fed gov aatudent loans and XXXX for the private. I cant afford it at all. I also have a XXXX XXXX and pre XXXX and not sure how much longer i can afford anything
My home was in default XX/XX/XXXX, so I paid the XXXX to bring it current and received a letter stating that the payments had posted ( the letter date was XX/XX/XXXX ). I made another payment for XX/XX/XXXX at the bank. They accepted the payment. I missed a payment in XX/XX/XXXX ( that following month ). This is XX/XX/XXXX. Yesterday I checked the mail and found that 5th 3rd had sent my XX/XX/XXXX payment back to me. I called the bank and spoke to the default department for about twenty minutes. I was informed that my house will go into foreclosure any day now. I asked why did n't they apply my XX/XX/XXXX payment, I was told because I missed XX/XX/XXXX. Now they are saying I 'm in default and they will not take a payment unless it 's XXXX to be exact. Because they did n't apply my XX/XX/XXXX payment when I brought it to them, it put me in default and although I have money for another payment ( my mortgage is XXXX per month ), they will not accept it. Had they accepted my XX/XX/XXXX payment, I would n't be in this predicament. My house is valued at XXXX. I owe the bank XXXX. If they foreclose on my house, they 'll keep XXXX plus in equity AND resale it.
XXXX XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
I had a student loan with XXXX i called and thought they were forgiven through a program next thing i know NAVIENT ON MY CREADIT INTEREST RATES THROUGH THE ROOF I WROTE TO NAVIENT NO RESPONSE I TRIED GOING ON NAVIENT WEB SITE IT KEEP SAYING MY INFORMATION DONT MATCH THIS IS MESSING UP MY CREDIT I NEVER TOOK OUT AN LOAN WITH THEM! I even contacted all 3 creditors. I 'm stress out about this
The company that is collecting for this debt is National Credit Adjuster. I 've only spoken to a person twice. The first time i spoke to a woman i was asked to verify with my last XXXX given the mini miranda and asked if i will be able to pay the bill today. I explained that i wasnt able to pay and she tried to set me up with different options i wasnt able to set at the time. That rep proceeded to tell me my acct would be marked as a refusal to pay, even though i explained i wanted to take care of the balance. I just wasnt able to at the time. The second time i spoke to a man. He verified a previou road i lived on, not the physical axdress, gave the mini miranda and asked if icould pay the balance today.I told the rep i am not able to pay the balance but i did attempt to pay the original creditor and they didnt have a record. He explained that they own the dept now so they wouldnt have a record and when i said again i couldnt pay now the rep on the line abruptly hangs up on me. They have not recived tcpa on my line i was only asked if it was a good number by the female rep and hung up on by the male rep.
Please remove this from my credit report. This was discharged in BK in 2012. However, HSBC continues to report that I have late payments when that ; s not that case.
I have spoken to mb on the phone for the pest 3 months I have been trying to resolve the late payment from credit bureaus being removed.

I have been told over the phone from more then 1 employee that it will be removed from my credit report but it wasnt After trying for months I have been advised by legal advice to mail out the attached check See the dedails on the front memo and backs signature panel ( By depositing this check XXXX XXXX XXXX agrees to remove all late credit reporting from the 3 major Credit bureau
I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed him that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for this account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account he pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX
this account appear in my credit report it does n't belong to me, I have not idea why Equifax refuse to fix it this issues, please this company in out control. we need somebody up there to do something. 
account # XXXX XXXX XXXX # XXXX account # XXXX XXXX XXXX XXXX # XXXX account # XXXX XXXX # XXXX account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX # XXXX
Submitted reconsolidation documents trying to secure monthly payment and I keep being told to wait for a letter to arrive. No letter after 4 months
I had XXXX loans with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. I made XXXX payments via bill pay thru XXXX Bank. I had XXXX accounts XXXX XXXX. It was sent to the wrong account. According to XXXX XXXX XXXX XXXX from XXXX Research Dept, XXXX XX/XX/XXXX XXXX cashed my check for {$1100.00} and sent it on XX/XX/XXXX to Nationwide Credit Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX EST XXXX. Again XXXX payment was cashed on XX/XX/XXXX and sent again to Nationwide Credit Inc . In XX/XX/XXXX, I made a settlement with Nationwide Credit Inc . I sent them the money. XXXX never corrected their record. Instead of sending the money back, XXXX sent the money someplace else and record my account as delinquent.
I opened up a US Bank account a couple of months ago. I was never informed that it would accrue monthly service fees and while I was using it, the account never accrued service fees. I then stopped using it and I believed that it would continue to remain at a zero balance and that was that. However, a couple of days ago, I found an envelope with a letter that stated the account had been charged off and that I owed US Bank {$44.00}. US Bank never sent me a letter warning me of a charge off until the charge-off has already taken place!
XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.
I should have had counseling to ensure i could repay a loan higher than that secured by homeowners for mortgages and with higher interest rates. 
i should not have had my payment triple in one year under IBR when my salary did not.

i should not have been approved for loans amounting to 100 times my yearly salary.
I sent a XXXX certified letters XX/XX/2018 USPS in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.
I, XXXX, received a letter from Law Office of John E. Lindner, P.A On XX/XX/XXXX 2016 dated XX/XX/XXXX, 2016 on behalf of XXXX. The letter stated that I owed {$680.00}. It also stated that I had 30 days to dispute the debt in writing. I sent a certified letter on XX/XX/XXXX, 2016 and was signed for on XX/XX/XXXX, 2016. I have not received a response from XXXX office in writing as of today. I received a call from a XXXX at ext XXXX in XXXX office on XX/XX/XXXX, 2016 stating that they had not mailed a response to my letter as of yet. She was just given my letter and told to call me to see if we could go over my payments that I had made and that they had filed suit on XX/XX/XXXX, 2016 as well as add {$34.00} to my account for the suit. She said she was going to talk to someone about the suit in her office. She sounded surprised they had filed suit. She also stated she was going to mail me out a statement of my account. I received a letter from them on Friday XX/XX/XXXX, 2016. Imagine my surprise when I opened it up and it stated the since they did not receive a response to their letter they were moving forward with the suit as soon as they received the court fees from their client. I was not disputing that I owe the hospital money. I have been making monthly payments of {$25.00} since I received the bill. I am disputing the amount this lawyers office says I owe. They applied a payment I made on this account to my account ( which is now paid ) I told them 3 times to apply it to the right account. Yes I indicated this account number on my check. Another violation of Fair Debt Collection Act. They received my letter not only did I get a call from his office saying so I also have the receipt from the certified letter. They have violated the Fair Debt Collection Act at least 3 times in this whole process. I also have all my cancelled checks. Your help with this matter would be greatly appreciated. It is hard enough on families with the cost of insurance and these ridiculous deductibles. I am at least making payments. I also contacted the XXXX in Maryland. They said this Law Firm is n't licensed in Maryland.
On XXXX/XXXX/16 XXXX paid off my Ocwen loan. XXXX sent Ocwen {$350000.00}, which left an overpayment of {$5000.00}. XXXX/XXXX/16 I received an email from Ocwen stating " Ocwen received a payment on XXXX/XXXX/16 for the amount of {$340000.00}. '' XXXX/XXXX/16 I checked my Ocwen online account information and it showed the XXXX payment made by XXXX and a " XXXX balance '' under escrow portion, next payment amount, unpaid principal balance and escrow balance. I called Ocwen XXXX, XXXX and XXXX and each time the customer service rep confirmed the amount of my pending refund, but said it had n't been issued because they have to make sure there are no fees owed on my loan before they issue the refund. When I explain my online account information shows nothing owed, they say, per RESPA, they have 30 days to issue my refund. XXXX/XXXX/16 I spoke to XXXX XXXX, Escalation manager and when asked why they are holding my refund, she said " we just have to finalize everything and get approval to send your refund. '' I told her it had been two weeks and my online account shows a XXXX balance owed, so I wanted something in writing, as to why they ca n't issue my refund. She said she would call and ask the payoff Dept to expedite my refund. XXXX called back an hour later and said the payoff dept told her to contact their cashier dept, but she has to email them and they take 3-5 business days to respond to emails, but she will email them daily until they respond. I told her this was unacceptable and asked to speak to someone above her. She said the supervisors were not taking phone calls and it would take a supervisor 24-48 hours to call me back.