WillisBack/dataset-financial-user-claim huggingface dataset:
I have been with Sallie Mae since XX/XX/XXXX when I first started college. I have around {$83000.00} of private student loan debt with them due to them raising the interest rates for all of my individual loans which they do not consolidate every month. When I graduated college XX/XX/XXXX Sallie Mae wanted me to pay {$1100.00} a month with a 9-9.75 % interest rate, which was XXXX my monthly income. When I told them I could n't afford that amount they told me there were absolutely no repayment programs I could enter into because they do n't offer any. I had to go into a forbearance period of 9 months in order to figure out how was going to afford these payments. It was n't until 8 months into forbearance ; and calling every week trying to find an affordable solution, that someone in the call center told me that I could apply for a term rate reduction plan. Now all my loans are at 2 % interest rate but I have to reapply and be reevaluated in two years. When I asked what that meant Sallie Mae told me that in two years they would see if they can raise my interest rate back up to 9 % depending on my income earnings. Their program will keep me in the same financial hole I am in now trying to just make minimum payments. 

Now that I have been enrolled in the term rate reduction plan, the only way I can be kicked out of the program is if I fail to make all my monthly payments but every month ( for reasons the customer service team fail to explain ) my automatic debit has been canceled on some of my loans. Which causes me a huge amount of XXXX because every monthly due date ( the XXXX of each month ) I have to search through which of my loans payment was n't taken out of and call Sallie Mae trying to get them to fix it. Each time I am on the phone with them they either randomly hang up ; the call randomly dropped, or I am shuffled between XXXX-XXXX customer service personal.
Transworld has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
We bought a house through XXXX in XXXX XXXX. We wrote the contract on XX/XX/XXXX. Our banker claimed he did n't get it until the XX/XX/XXXX. Our original closing date was XX/XX/XXXX Then the last week they can back and said we needed more water tests other than coliform and nitrate that he claimed was a new FHA standard that they needed pH and lead also which we had to rush and a septic inspection on a XXXX septic and leach field system that they said the install inspection was too old so cost us another XXXX for those. So that changed our closing date to the XX/XX/XXXX. So then 3 days before we close get our disclosure and there is an extra XXXX fee for a rush appraisal. When he told us our appraisal fee was XXXX and the credit reports was XXXX and we wrote a check for XXXX the day way signed the application on XX/XX/XXXX. And he said he would order it that day. The Appraisal was done on XX/XX/2016 So do n't understand the rush fee and nothing being said. And a XXXX unexpected fee 3 days before closing. So the Appraisal cost us an outrageous {$780.00}. 
Very unhappy. But what do you do not close?
Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
I have a XXXX entry from Chase Bank stating " suspected fraud '' from 2012. I dispute this claim. I am not able to open checking accounts or receive a debit card from any institution due to this entry.
I have power or attorney for my ill father. I contacted XXXX/CONTFIN by phone at ( XXXX ) XXXX to inform XXXX/CONTFIN that the alleged account # XXXX opened up on XXXX/XXXX/XXXX for {$500.00} could not be owed by my father ( XXXX XXXX ) as they have reported on his credit report because on XXXX, XXXX XXXX was in the XXXX and XXXX with a condition that left him XXXX. Therefore, this account had been fraudulently opened and fraudulently reported by XXXX/CONTFIN to the XXXX, XXXX, and or other credit agencies. 
On XXXX/XXXX/XXXX, I called XXXX/CONFIN and spoke with to XXXX, who informed me he could not give any information unless a Power of Attorney was mailed to XXXX, DE XXXX. I told him I mailed it around XXXX/XXXX/XXXX. XXXX then said give it 10 days. I said ok. I called again on XXXX/XXXX/XXXX and spoke with a female associate who 's name stared with a XXXX. 
At this point I was informed she does not know whether they received a power of attorney form and the debt had been sold to XXXX XXXX XXXX. I said so now I have to mail the power of attorney to them. She placed me on hold and came back and said she does not know whether they received the power or attorney but she could not tell me anything. I ended the call. 
My problem is that I sent them a Power of Attorney that is not being acknowledged. My original letter to them was sent with the power of attorney requesting they prove the debt is owed by mailing to me the signed application by my father, any statements sent to my fathers home address. I have had power of attorney since XXXX for my father and has never received any statements at his home address of almost 40 years from this company. 
This is the information I needed to have them correct his credit report they damaged by placing false information to the credit agencies. 
I want XXXX/CONFIN as a resolution to submit to me proof that the debt is owed, showing the original application signed by XXXX XXXX my father and any statements sent to his home address. When XXXX/CONFIN finds my father did not sign these documents or open this account to remove all negative credit information from all credit agencies including XXXX, XXXX, and other agencies
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Fifth Third Bank claims I opened an account with them and when I asked for validation of this debt all they send me is statements. Any one can create statements and put anyone 's name and address on them. I have already had this account thrown out of court because the courts did n't recognize only statements as proof of ownership of an account. Fifth Third at that time could not provide a signed authorization from me to open an account, for the courts. Fifth Third says they have sold this fraudulent debt and therefore will not remove from my credit report, but the debt they say they sold is not mine in the first place and they wo n't provide me with the loan authorization that I would have to have signed if I indeed opened this account. I want this debt cleared off my credit from all parties, Fifth Third bank and any and all collection agencies they may have sold this fraudulent account to. XXXX XXXX from this company refused to give me the account number and was very rude to me on the phone.
Previously an account showed up on my credit report from Comenity Bank, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, XXXX XXXX XXXX XXXX is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on XXXX of my reports. I want this removed from my credit reports as this account is not mine.
Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone XXXX, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to XXXX  to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( Experian, XXXX, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because XXXX has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that XXXX refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with XXXX and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to XXXX  indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to XXXX to the address listed on my credit reports. XXXX responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to XXXX  offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, XXXX refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that XXXX is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless XXXX can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.
XXXX XXXX XXXX and American Express have some partnership that requires consumers to sign up for a XXXX to get a discount on your phone. It was not spelled out that consumers were signing up for a XXXX. American Express then bothers you with emails and sells your contact information to other parties. When you attempt to close your account American Express sets up roadblocks and lies to the consumer about the accounts and the necessary steps to close an account. I 've attempted to close our accounts XXXX times and hope I have finally been successful.
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Wells Fargo received a verbal appeal on XXXX XXXX, 2015. This was the only time we were given to verbally discuss XXXX mortgages with Wells Fargo underwriter at a meeting set up by XXXX XXXX. On this date Wells Fargo underwriter, XXXX XXXX, requested our appeal to be written. This written document was never reviewed. 
Instead of a response to our appeal, our modification that we had just finished all the trial payments on, was being withdrawn because we had appeal request. This is the second time Wells Fargo has withdraw our modification when we asked for a review of the information they are using. Our trial payments have been made on XXXX different modifications. They have been completed twice.
I have contacted the company and informed them of my financial situation and told them I would pay in smaller amounts and then pay off once I get my income taxes. I have been unable to make payments and the company keeps calling texting and emailing me.
VRS debited checking account without approval and failed to provide a refund of funds illegally debited from bank account. Account Number : XXXX Problem Date : XXXX XXXX 2016 VSR Reps : XXXX and XXXX XXXX Was told to FAX ( XXXX ) XXXX bank statement showing where money was withdrawn. Did so, phoned company to verify receipt. XXXX, told me her XXXX said, money was debited due to online payment. I told her, I never made an online payment for XX/XX/XXXX. She said, she would bring the attention to upper management for their resolution. I said, I was calling my bank to stop payment on the unauthorized payment, then filing a complaint with the XXXX and Federal Trade Commission due to Illegal collection practice
This is my second complaint because I 'm very dissatisfied because I still do n't have any proof of validation and You closed my case. My prior complaint # XXXX. The only thing provided was an old statement from 2014 from XXXX XXXX. I have sent them a certified 609 letter to validate and Midland still has not done so. I have copies of all my documents and receipts sent. I demand it to be removed immediately! 

And according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Midland Funding is required by Federal Law to verify-through the  physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and/or reported on a credit report. 
And has not done so!!! 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for this account. 

Under the FCRA, unverified, invalid accounts must be removed. 

Midland Funding, has been unable to provide me with proof. 
The law is very clear as to Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) since Midland has failed to comply with the Federal Law. 
I demand this collection removed from my credit report!
XX/XX/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit.
1.Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX is reporting XXXX XXXX mortgage payment as late, this payment was made on XXXX XXXX XXXX
They call me up to 6 to 8 times a day and they will call all day on Sundays. We told them that they should n't be calling us on Sundays and they do n't stop. We are only behind about {$200.00} we have talked to them and told them we have been paying {$75.00} over per month on our bill. They said we need to pay the {$200.00}. Our monthly bill is {$400.00}. They have told us that they will keep calling until its paid up to date.
I received a Citi Prepaid Services card, and on the back of the letter that came with the card, it said ( as can be seen on pages XXXX and XXXX of the attached document under the section EXPIRATION DATE ; AVAILABLE FUNDS DO NOT EXPIRE ) " if you do not use the full amount on your CITI PREPAID SERVICES CARD by the expiration date, we may issue you a new CITI PREPAID SERVICES Card automatically, or you can call customer service to request a new CITI PREPAID SERVICES Card ( the " Replacement Card '' ) ''. However, when I called customer services to receive a new card after the old one expired while there was still money on it, they said they could not and have never been able to issue me a new card. They asked me to fax the document over, which I did, and now they are giving me the runaround and acting like they never received the fax. Thus, not only have they intentionally given me false information on the letter, but the customer service was some of the most unhelpful and rude that I have ever encountered.
This company has been calling for quite some time. Usually XXXX-XXXX times a day harassing me, even calling from blocked numbers or different numbers. Usually the calls would start around XXXX and end around XXXX central time. They have threatened me to sue and have told me they will charge 20-30 % interest. I 've lost my cool and told them off multiple of times to leave me alone. I will not pay a debit that 's outrageously false. Yes I believe I owe the debit but there were fees that were false. The apartment charged me a clean up fee and some other outrageous fees. I had XXXX pieces of furniture, I was never home and I 'm clean. So no way there should have been a clean up fee. Anyhow, these debit collectors keep calling harassing me about the bill and I was willing to negotiate what I believe is owed. Ive told them to leave me alone if they were unwilling to negotiate and continued to threaten me. I 'd hang up and they would call back like 5 mins later if that! Not to mention they one day decide to call me and say I owe interest like oh hey.. the extra is for 8 month interest???? Why did n't they call me 8 months ago? How is this even legal!???? I believe I should pay what 's owed not what they think I owe ... ever since then I 've blocked a lot of there numbers ... I ca n't talk to people who try to pressure you to pay XXXX dollars for something less than 2k
On XX/XX/17, I noticed that was debit card was compromised. I immediately called Comerica and cancelled my card. The next day ( Monday ) I went to the bank to file a dispute. I was then told that if the dispute was approved I would receive my funds back within 10 businesses days. I also asked what am I to do seeing that all my money was compromised. They apologized and told me that I would have to wait. In the meantime the fees are rising. {$1400.00} was taken out of my account via ATM. XXXX ( Comerica ) starred to me, are you sure you did not give someone else your card? I also spoke with another customer there and he stated it happened to him as well. I feel Comerica knows about the breach and still does nothing. 

I 've received a call from XXXX with card services informing me that if I had applied for Comerica 's credit card I would have money available to me. She told me that she could not help and suggested that I wait on the dispute to be settled in 10 business days.
hi my name XXXX XXXX Ive tried countless of times to get this matter taken care of Equifax is reporting my car loan twice on my report and it has had a negative impact on my score I only have XXXX car loan that 's suppose to be reporting also XXXX financial do not report to Equifax so im wondering how do they get the information and still reporting it please investigate asap
I had requested a payoff and paperwork back in XXXX and never received-I have disputed fees, amounts and have not received a full paperwork trail from the time loan was opened which they should have records of. I need this information for my attorney asap and keep getting runaround. Amount listed on payoff on previous complaint doesn't match recent statement-amounts keeps varying by thousands every month and it appears to be fraudulent.
I take care of the finances in our household and I have most bills on autopayments. I was informed by my husband two days ago that he received a call from Nissan Finance that our bill was past due and would be sent into collections. I told him that this bill has always been on auto-payment and I am supposed to be the contact. I could n't understand why the auto payment would have stopped ; there is more than enough money in our account to cover the amount due. My husband is currently across the country on business and said he did n't know and did n't have time to speak to them, as he is at an important business convention. I told him I would go online and look what happened. Next day I went online and tried to login with our username and password. It did not work and prompted me to reregister on the website. I attempted to reregister on the website, but I do not have our complete account number, since we have not recieved any bills mailed from them. My husband then called again and said that they had been calling again, and told him that they have a new website so we had to set up new recurring payments and now our payments are two months past due and they told him they have already but a ding on his credit report. WE DID NOT RECEIVED ANY MAIL, EMAIL, PHONE CALL OR OTHER REGARDING THIS CHANGE THEY MADE TO THEIR WEBSITE. We do n't feel that we have been given proper notice or time to pay our debt before it was put on our credit report. It would have been taken care of immediately had we just been notified. However now we have this blemish on our credit report as well as many fees for something that was not properly communicated.
XXXX  received a phone call from Navient representativ    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   am   Offered a forbearance to get loans up but not a income driven repayment plan. Stated this was only for federal loans not private loans.
My loan was financed by XXXX XXXX XXXX XXXX and the company registered a deed with the XXXX XXXX registry. When XXXX sold the loan ( if they did XXXX, to XXXX XXXX XXXX, XXXX never registered the deed for transfer.
On XXXX XXXX my feelings were all over the place. I felt angry, deceived, and disrespected. I made an error on Complaint ID # XXXX and Im writing to correct it. My Loan Modification was approved on XX/XX/2018 and not XX/XX/2018, sorry about the error, but these 6 months dealing with XXXX XXXX XXXX has been pure XXXX. It was XX/XX/2018 when I received the call from XXXX XXXX claiming they didnt receive my XXXX payment. My XX/XX/2018 Payment was sitting in a Suspense Account. After praying to XXXX about all the chaos Im going through with XXXX XXXX XXXX, I realize this battle is not mines, its the Lord. I pray for all the people involved in wrongdoing, because I know that no good deed goes unpunished.