WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently set up on an income sensitive repayment plan and have  XXXX  different loans with Nelnet.  XXXX  of my loans have monthly payment amounts that do n't even fully cover my interest which essentially make it impossible to payoff the debt.  <P/> My current payment plan is supposed to consist of making principal and interest payments so I think it should be illegal for them to purpose a payment plan that is not sufficient.  <P/> Here is a current example of what I am referring to. The balance due on  XXXX  of my loans is {$2700.00}, the interest rates 6.8 % which makes the daily interest {$0.00} per day. So 30 days of interest would be {$15.00} a month. My monthly payment for that particular loan is {$14.00}. That means that every month I am having {$1.00} added back onto my loan in unpaid interest.  <P/> I know the CFPB governs banks and makes them explain things to customers so I do n't know why student loan companies are n't required to do the same. I think they should be required to provide some sort of educational component like credit cards do now that outlines how much interest you will pay by only making the minimum payment and then give you an example of how much interest you would save by making additional payments.  <P/> My loans were disbursed between   XX/XX/XXXX  and  XX/XX/XXXX  a nd I have been paying on them since  XX/XX/XXXX . The interest rates on most of them are 2.32 % and I have a few that are 6.8 %. The total of my loans came to {$17000.00} and over the course of my payments I have paid {$13000.00} and only {$7200.00} of that has been applied to my principal balance. The remaining {$6300.00} has all been applied to interest ( with the exception of {$13.00} in f ees ).   <P/> I am also curious to know who monitors how these companies apply their payments and exactly how they are allocated.  <P/> The statements they send do not show that detailed information and online it just shows a total of how much was paid in interest and how much in principal.  <P/> I have no clue what this company is doing with my monthly payments. I have always paid more than my minimum monthly payment each time I have been set up in a payment plan.
Good Morning, Today I ask for help, because I 'm trying to do the modification of loan, a few years ago with NationStar mortage, all because my rate this very high XXXX ( rate ). Already sent the documentation for them as not reach my goal.Find a lawyer who promised to help me.Make paid like it, she Recommended then she disappeared with {$3500.00}, and i have the receipt from the bank. Then I return to square XXXX .Find another lawyer who did all procedures, which also failed to further discovered that it was doing wrong according to the bank. In short I am in Foreclosure sale for XXXX/XXXX/XXXX at XXXX XXXX I need help because I do not want loose my house. Because in XXXX my house bought the same {$500000.00} and gave XXXX. I do not have anything, only my home. They can help me need urgent.Please. 
Every lawyer contact me saying going to help is Scam.URGENT
I have just finished my second XXXX XXXX XXXX and my income currently is from my XXXX as I am on a XXXX  which will end in XXXX. I am also XXXX XXXX XXXX XXXX to help pay the bills, though only make {$500.00} a month. My Navient loans were all accrued when I was an XXXX 10 years ago ( they were then Sallie Mae ). The more money I pay, the more money I've had to owe. It's sad to see that I've spent thousands of dollars to pay off a loan only to find the balance is higher! 

As I was getting my first XXXX  's, Navient told me I could not do an in-school deferment and that I had no option but to use up my forbearances ( which were used up due to being in school ). My loan payments were still too high for me after school so I've been on an interest only repayment which is about to end in XXXX. I've made all the payments on time and Navient is my highest loan bill -- even at interest only repayments. I have received emails since XXXX saying that my new payment would be in the next billing statement, which had never happened. When I called about this they said there's nothing I can do until that statement is generated and only then could they figure out what options I may have. At first I thought my new payment was almost the same as my interest only payment when I looked at the statement, but then realized the new payment amount still hasn't been generated and I'm struggling just to pay this interest! 

I recall years earlier when I had to use up my forbearances on XXXX XXXX and asked what my options would be if I got into a financial bind in the future but couldn't use the forbearance because they had to be used up in school. I just wanted to know what my options might be. They said there was nothing I could do but not to worry because I wouldn't go into default for 90 days -- as if that could somehow make things better? 

My student loan payments ( in total ) are more expensive than my rent and Navient 's is the highest that I have. I know they told me that if I do a lower payment it will have increased by {$20000.00} but I am in a bind because I'm just trying to afford ANY payment. I will never buy a house or have a family because this is so overwhelming and if I can barely afford to just survive, how could I afford that? These loans from Navient ( then Sallie Mae ) I took out as an XXXX at XXXX, thinking afterward a full-time job could help me make the payments, which has not been the case. It's sad to look at Navient 's website and feel relief at reading that my loans could be discharged due to death - to be so stressed out about paying student loans that death is a comforting option when you realize you're only living life to pay your loans and will have to work so many hours there's no time for anything else.
A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
I dont know this company XXXX, I just learned of this when it was added to my credit report on XX/XX/XXXX, I never been to this hospital and dont owe anything. I have medical insurance and never been to this place.
On XX/XX/18 I transferred {$250.00} from a USAA mutual fund account to a USAA checking account. Per the written terms published on their website and information on the screen during the transaction, the funds should be available same-day as they have been in the past and in compliance with The Expedited Funds Availability Act ( EFAA ).

The terms of their depository agreement state : When Available Type of Deposit Same business day as the day of deposit. 
Funds received electronically through an ACH credit Transfers from other XXXX accounts you own ( Copied and pasted. Transfers from other XXXX accounts I own, same day ). 

Immediately after completing the transaction, a message came up saying there was a 2 day hold on the funds, no warning before. I complained to USAA and said the written terms said the funds will be available same day and XXXX says there should at most be a 1 day hold because this is a USAA to USAA transfer and meets none of the " exceptions '' for longer holds. 

The USAA rep said they had a " new policy '' beginning XX/XX/2018, and apparently had not updated their online terms yet. - Beginning XX/XX/XXXX, when members move money from USAA mutual funds ( USAA Funds ) or USAA Life annuities to a USAA Federal Savings Bank ( USAA Bank ) checking or savings account, the money will no longer be available immediately. A one to two-day delay in funds availability will apply to future, recurring and on-demand transfers. They should absolutely have to adhere to the written terms online because they stated in writing the funds would be available same day, and a 2 day hold to a low-risk usaa to usaa transfer is in violation of EFAA because this transaction meets no exceptions for longer hold time. 

I had moved this money to cover a bill. On XX/XX/18 even though USAA had the funds, because of the 2 day hold the funds were not available and they rejected the bill payment for NSF including a {$29.00} fee to USAA, {$27.00} NSF fee with the merchant and {$35.00} late fee with the merchant for a total of {$91.00} fees due to this hold.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax 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.
I was offered a loan of {$800.00} by Big Picture Loans. I called and inquired and was told by the representative that the finance charge was {$280.00}. I even clarified with the representative that was the total amount of finance charges that I would see. Since taking this loan they have taken out 2 payments of {$280.00} within a 2 week timeframe and NO money has been applied to the loan balance. So they are basically charging me {$560.00} interest monthly for an {$800.00} and I was not made aware of these charges. I did n't receive the TIL until the loan was already processed
Trans Union is ignoring my requests to investigate, verify and remove accounts from my credit file that do not belong to me.
TransUnion TransUnion 's profile photo XXXX This site/email wants {$1.00} for 7 days then XXXX a month. 
should I try experian for a FREE report
I am in the middle of a home loan purchase and Southwest Credit Systems reported a collection account for XXXX with no notice at all. I have not received a single notice or opportunity to determine if the debt is valid or not. I recently changed plans to be on the same plan as my employer and I paid all presented bills. I should not have any balance. I have no idea what this is for.
On XX/XX/XXXX I sent an letter to A, D, Astra Recovery Service to validate an debt. 

I requested the following : Date the debt was transferred from original creditor to the 3rd party. 
*The current balance they bought the contract for. 
*Copy of the contact I signed with the 3rd party not the creditor. 
*Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond information as required by Sec 392.101 As of date XX/XX/XXXX, I was not provide with the above mention. I was provide with the details from the creditor Speedy Cash but I was not provided with any information in reference of A.D. Astra Reovery Services.
I have contacted this company on multiple occasions and I still have no resolution. I have been writing this company since XX/XX/2017 with no resolution. XXXX is station that I have a debt that is not mind. I have challenged the accuracy of this debt with no validation. This company bears no signature to verify this debt. XXXX states " I owe them {$380.00} and that the account has been placed in collection ''.
MIDLAND IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND MIDLAND HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT
I broke my lease with XXXX at XXXX to move to a better location. The account went into collections and was purchased by Fair Collections and Outsourcing ( FCO ). I paid off the debt directly with XXXX at XXXX, who no longer has any records of the debt. FCO continued to report negatively to the credit bureaus, however, and failed to validate the debt at my request. On XX/XX/2018 I sent FCO a certified letter disputing the account and included a copy of a letter I received from XXXXe at XXXX confirming that they have no records of the debt, but FCO is still reporting the account to XXXX and XXXX.
Discover Financial services is reporting me as being a total of 60 days late, in XX/XX/2015 and XX/XX/2015. This is an inaccurate reporting and stopping me from purchasing a home.
Ocwen mortgage foreclosed on my home XXXX while my mortgage was being processed for a modification. I retained an Attorney and Ocwen rescinded the foreclosure. XXXX XXXX. My credit report reflects my property is forclosed. I was recently declined an employment opportunity because Ocwen incorrectly reporting my mortgage to the XXXX credit Bureaus XXXX, XXXX, XXXX .Please Help
While surfing the Bank of America website looking for information on my account, I came across some unauthorized transactions done by Bank of America without my consent.
From XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time for the amount of {$550.00} for a total of {$2200.00}. When I called to inform the customer service, she confirmed the unusual nature of the transaction and suggested that I transfer the claim to the fraud department which confirmed that it wasn't a fraud which transferred the case to the Billpay department. Since then I have been going around and around without success, except for the claim department who agreed to pay {$260.00} and the balance should be paid by the office of BillPay. They acknowledged the error but refuse to take steps to correct it. I also contacted the XXXX XXXX XXXX which confirmed that the Bank Of America is the culprit and should have to pay back ( {$2200.00} ).
Dear Sir/Madam, I am writing to dispute the following information on my credit report. I have a listed the items that once showed they were removed now their back. I tried to speak with a TransUnion representative on XX/XX/2018, trying them know that my credit score alerted me and dropped down inquiries were gone one month and then the next thing I know there back on there. Ive been trying to contact the company but its stating that their closed even when their time says their open, I even called today which is XX/XX/2018 it says their closed and im highly frustrated at this point. So it seems like no one is trying to help and seems like that there's been some activity with my TransUnion reports inquiries that are being misused cause they showed back up. I never received any information as in a letter or anything to why I just know when I looked at my credit report which I do only a daily basis, one day everything was wiped out and customer service seems to not want to help my situation with them being back on there and this is affecting my credit score. 

The inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the item be removed to correct the information of being deleted.
I had a notification from my credit reporting agencies indication a major action. So I looked into it. Come to find out I have a collection on me for a " medical '' bill. Problem is, I haven't been to any medical professional, hospital, emergency room or anything relating to that in over 15 years! I am in an active dispute with the 3 credit reporting agencies. Now over a year ago I did misplace my wallet. And it was found and mailed to me. Money was missing but otherwise seemed untouched. I didn't think anything of it at the time. Maybe this could be a pending result of that? I'm not sure. But I know this debt isn't mine because the services they claim, I haven't used such in over 15 years!
To whom it  may  concern ; I am writing in regard to the referenced accounts and transactions.     This vehicle was repossessed by  NFCU  in the  State of F lorida on or about,   XXXX    , and resold on or about  XX/XX/2014   .   Under the laws of the State of ( State of Repo ) UCC  9.506 and   State  XXXX  and  XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available  State and Federal s tatutes and  UCC 9  remedies.
Capital One credit card is reporting a negative and fraudulent account on my credit files and they have been doing so for years now. I have sent them police reports and dispute letters numerous times and they refuse to resolve this issue. They replied bakc last week after years of no replies and said they verified he account and confirmed my address and the accounts Belongs to me from their records. I disagree. I continually disagree and this is identity theft and fraud and I had mail theft as well and that would account for all of this. I have sent all the info merino to capital one now on multiple occasions and they refuse to assist and handle this matter. They have broken credit card rules and regulations numerous times by disregarding my disputes, not replying wihtinthw allowable time frame, harassing me with phone calls and letters as well as having attorneys and collections call me numerous times. They have not handled his urgent matter and it needs or be properly handled. This account and balance thus are reporting and saying belongs to me does n't. I have done very thing in my power to get assiatnce with this and I 'm beggin. You to please get this removed from my credit file as this does n't belong to me I paid on this account at first thinking it was my debt until researching and understand in fact it is not mine. Capital one has threatened me and lied numerous times and has caused me nothing but upset and hardship for an account that does n't belong to me
THEY WANT ME TO PUT A XXXX DOLLARS DOWN I DO N'T HAVE THAT KIND OF MONEY ... THE OTHER PERSON TOLD ME IF I DID NOT HAVE A CREDIT CARD OR DEBIT CARD WE HAVE NOTHING TO DISCUSS AND I KNOW SOME OF THOSE BILLS ARE DUPLICATE AND TRIPLICATE I ALSO WANTED A LETTER STATING THAT THESE BILLS WILL BE DELETED OFF MY CREDIT REPORT
I contacted Trans Union to dispute information on my Trans Union credit file regarding a XXXX private student loan because of numerous credit reporting errors including misrepresentation the data furnisher is providing Trans Union. I spoke with XXXX at Trans Union ( United States ) on XXXX XXXX. The conversation lasted 50 minutes, and specifically detailed the innaccurate account reporting, description, and status of both XXXX private student loans. 
1 ) .The accounts both report date of first deliquency beginning XXXX and XXXX. The report indicates otherwise as fdate of deliquency XXXX and XXXX. 
2 ) Credit report dated XXXX relfected erroneous account information again. Reported as " Charge-off ''. XXXX XXXX called XXXX customer serivice the same day to verify the account status and XXXX XXXX XXXX verified " not charged off ''. ( See attatched doc # XXXX ) 3 ). The accounts are 18 years old and the payment data history is inaccurate, payment history is over ten years, data furnisher removed all previous payment data ( historical data incorrect ). 
4 ) The account responsibility is incorrect. 
5 ) The account number is not listed. What is listed is my social security number. Education loans are no longer permitted to use social security numbers as account numbers. This is a compliance issue the CFPB and FTC should investigate the use of social security numbers as account numbers on ( educational loans and credit reports ) as it can create a security and privacy issue. 
==================================================================== Violations of Fair Credit Reporting and Truth In lending 12.CFR 10 22.40-43 Furnishers Rule Regulation V Subpart E. ( Request for CFPB Administrative Proceeding ) Trans Union ( CRA ) does not fully comply with furnishers rule and often neglects to use XXXX format during the reporting and investigation process resulting in systematic inaccuracy. The data furnisher continues to supply false and erroneous account information to the credit bureau including payment history, account status, responsibility, and other false or inaccurate information leading to logical inconsistancy. Trans Union does not maintain reasonable procedures in cases of disputed accuracy and willfully ignores disputes, resulting in no correction. Information must be one hundred percent accurate or must be deleted. XXXX XXXX has disputed the account previously under fair credit billing which the data furnisher and CRA has not met FCBA or FCRA rules, in addition data furnisher, or assignee violates other lstate or federal laws.
In XXXX i was granted a student loan and was paying on until i fell into a financial problem everytime i call to try to make payments nobody returns my calls.my taxes have been taken by salli mae since XXXX and they put my account at default.ive been trying since XXXX to amke payments to get it out of default and they are telling me i cant make payments but yet keep taking my tax returns.
I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.