WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 ~XXXXXXXX ( est ) I received a call from National Enterprise Systems that informed me a student loan was in default. This was a surprise to me since I've tried to stay up on my student loan payments and have been with the other 2 companies I deal with ( XXXX and XXXX ). Since I'm going through a divorce, I knew this was probably just an oversight and something I could begin making payments on again to fix. I was told that wasn't the case. They explained that since my mother was a co-signer, she would now have to pay the debt since they " knew she could afford it ''. I explained that my mother is on XXXX and was just released from the hospital for major XXXX XXXX and definitely couldn't afford it and that I would begin making payments. The person I spoke with told me that I was lying and that my mother could afford it and that I'm not allowed to make payments any more because they wanted the whole sum at once. I was floored that I was being called a liar and that I was being told I couldn't pay my own debt. Then I was told to give them my mothers most current contact info so that they could call her " and have an unpleasant talk with her ''. This was the last straw. I saw this as an attempt to use my mothers XXXX XXXX as a threat on her life over my student loan debt. Totally unacceptable when I want to pay my debt, I just need to do it in payments that I can afford and certainly not an entire lump sum at once.
I was advised that my introductory rate had ended and my minimum due was going up. I accepted the situation and paid early and a little more than required. My balance went down by {$27.00} after interest and my next month 's statement with no new charges and the same 16.49 % for standard purchases an 26.49 % on cash advances went up by {$34.00}. 
When I spoke to 1st member of management I was told I had not paid my first two payments and that I paid the wrong amount because I paid what showed on my statement and more before it was due. I was told I did not make the correct amounts, though I had statements showing what was due and having paid more each month. 
The 2nd member of management advised that I had paid correctly all along but that with my balance going down and being charged the same interest rates my minimum payments would again increase by 62 % over the previous months interest. 

XX/XX/XXXX statement showed {$110.00} minimum due on {$5400.00}. I was charged {$57.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 29 day billing cycle. ( {$1.00} a day in interest ) No new charges added.

XX/XX/XXXX statement showed {$140.00} minimum due on {$5300.00}. I was charged {$92.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 33 day billing cycle. ( {$2.00} a day in interest ) No new charges added I was advised that if I paid more than the minimum due and paid before due date that my next payment would go up by over {$40.00}. When asked for clarification I was told I just don't understand cards and I could not begin to understand the interest. I asked if the amount owed was less and the interest rate the same how my payments could be going up every month when there were no new purchases according to their statements. I was told you just don't understand and you need to take us on our word because we are the credit card company. 

This is on a XXXX XXXX XXXX Card by Citi.
TeleCheck declined a check written to XXXX XXXX on XXXX XXXX, 2016 there was no reason for decline since my account had the funds necessary for the purchase. They now want be to send them an extra {$25.00} fee. TRS Recovery sent me a letter stating that telecheck has purchased the dishonored electronic fund transfer. They want me to pay with a debit card now. I have not been able to talk to a person but I faxed them my response to this fraud.
I noticed a collection for the amount of XXXX from IC Systems on my credit report. I have not received any notification by IC Systems to dispute this account. This needs to be removed until they complete a full investigation on this account. I am requesting debt validation according to the FCDPA laws. I also would like copies of bills for the last 12 months of this account. I also would like to get information of contract signed or account details used to open account. 

I would like this information mailed to me within 30 days of receipt of this complaint and this to be removed from my credit report until a full investigation has been completed according to the FCRA laws.
* Due to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out who, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on FedLoan Servicing, XXXX, PA, ( XXXX ) XXXX account. 
2. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account.
On XX/XX/2018, I disputed an account with XXXX XXXX XXXX that is on all of my credit reports. XXXX ( XXXX XXXX days later, XXXX XXXX authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

XXXXXXXX XXXX dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. XXXX XXXX also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that XXXX XXXX XXXX has violated the FCRA and FCRB and did not provide me within the XXXX- ( XXXX ) day time frame as required.
Had an agreement with CheckCare Systems in  XXXX   XXXX   GA. F or a $  XXXX  /month f ee they would guarantee payment of any NSF check writte n to my  business as long as I had the proper information recorded on the check and it was {$100.00} or less. We also had an agreement if they were able to collect on checks that did n't meet those criteria they would pay me for them if they were able to collect them.They were supposed to issue me monthly checks along with reports showing which checks they received from my business. My bank automatically sent all my returned checks to CheckCare Systems for collection. They stopped sending me the money they collected on my behalf so I told them to stop drafting my account the $  XXXX  /month  service fee until they paid me what they owed me. In  XXXX  of    2016 I  spoke to  XXXX   XXXX  who said he was  a manager th ere and told him to deduct the monthly service fees from what I was owed and send me the money they owed me. He said he would do that. Since out conversation in  XXXX  of    2016 I  receiv ed 1 p ayment from CheckCare Systems for {$70.00} I believe it was. They currently owe me over over {$1000.00} and refuse to pay me. I know they owe me {$600.00} for a check {$300.00} for another check and {$70.00} for another. These are checks I collected on at my business from the customers who wrote me NSF checks that CheckCare Systems later electronically swiped from their accounts. In each of those cases I reimbursed my customers the money they paid me because they were charged twice once by me and once by CheckCare Systems. For their collection efforts they change me $  XXXX  /month  and charge the customers a collection fee. I sent them a certified letter demanding all the money they owed me along with all the NSF checks they were holding for m y business that they were unable to collect on. I 've made many phone calls to without success and I hope you can hel p me settle this matter.
XXXX inquiries were removed off of my Transunion report last month and have now put them back on without any approval or notification from me, as a result my credit score has dropped.
Dates of attendance at the university  XXXX XXXX consecutive XX/XX/XXXX until XX/XX/XXXX. Graduation was supposed to take place in XX/XX/XXXX. University  XXXX XXXX added two additional classes to my degree program. The school informed me that I would not get a degree if I didn't agree to the two classed added. Upon graduation the promise for alumni to intern students for jobs in the field of study was not completed. The school failed to give information on career possibilities which would have led to the salary in which enrollment in classes was intended. The University is trying to profit off the student but has not made the student profitable. 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumer 's Claims Defenses ( The Holder Rule ) ( 150.93 KB ). The note is worthless to the consumer and causes an outstanding balance to consumer credit reports. FTC Opinion Letter Affirms Consumer 's right under the holder rule. The promissory note rule can be considered inequitable to consumers. The U.S. Federal trade commission promulgated rule 433. Formerly known as the " Trade Regulation Rule concerning  preservation of consumer claims and defenses ''. Rule reaffirmed in XX/XX/XXXX. 
My credit report is the proof that will be submitted in this complaint. Beside the fact University  XXXX XXXX failed to fulfil my promissory note the school sold the loans to Nelnet. NelneXXXX advised me to seek defense against the university due to the ongoing civil suits and negative media about the school misleading students into believing secondary education will lead to higher paying jobs. The school advertises the promise to help students find careers upon graduation. The XXXX campus advises keeping grades above 85. to gain the highest paying jobs. The XXXX campus failed to comply with any leads into employment upon graduation stating a higher degree would open the door to more possibilities. I would like the CFPB to gather as much information as possible in helping me to have Nelnet and the university  XXXX XXXX removed from my credit report. The amounts for XX/XX/XXXX alone are {$27000.00} for an online course. My promissory note states that I wouldn't have to pay tuition until six months after graduation. My credit report reflects two charges per year for four years with XX/XX/XXXX having four charges. It is my belief that after all the information I have provided to the parties involved that keeping the inflated amounts on this consumers credit report knowing that the parties have failed to uphold the promises made ; at this point is because I am an XXXX XXXX woman that is paying my bills on time and would like to move forward in my life. Prejudice surrounds the decisions to correct the wrong that has been placed on the consumer. Nelnet knows that the University  XXXX XXXX has been discredited and has paid the Department of Education millions to allow them to continue to defraud students. Please help me stop them
Someone has been applying for credit using my personal identity without my authorization and consent. I have contacted the creditors and the credit bureaus, however no one seems to be wanting to help me out. I have also placed a fraud alert on my credit report ot stop any further fraud from occurring. I have disputed the fraud inquiries countless amount of times, however the credit bureaus do not want to help me. I have ALSO filed a police report! 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX
I called to see about lowering my payment as I am struggling to complete all student loan payments and maintain my other bills needed in order to live day to day and was told time and time again there was nothing they could do to help me with my loan not even defer.
XXXX is a debt purchasing company and they are attempting to collect on a XXXX XXXX acct # XXXX and there internal # XXXX is from fraudulent activity and the original creditor had knowledge of this. XXXX needs to delete there collection remarks effective immediately and and close and return this back to the original creditor
In XX/XX/XXXX, I had a car on loan with Consumer Portfolio Services. After medical and subsequently financial reasons, I could no longer keep the car. In late XX/XX/XXXX, after continued harrassment and threatening calls from CPS to me, my parents and friends, I agreed to give up the car. I was paying CPS {$450.00} per month, which exceed the value of the car and loan amount. There were times when I was late, but was always able to catch up. CPS sold the car for approximately {$5400.00} ( which would indicate the mint condition of the car ). CPS starting contacting me, my parents and friends again stating that I now owed them {$8000.00} more. I finally ended up changing my telephone number, but my parents are still called with scare tactics as if they are personal friends of mine and something has happened. My mother has called several times worried until I was able to calm her down. I recently pulled my credit report and discovered that CPS is falsely showing that I was paying them {$47.00} per month in order to keep the account open. I am not able to purchase another car as my credit report reflects that CPS are still holding the account open four years after selling the car. I pray that something can be done regarding this matter. I appreciate your consideration.
I have a Citi / AAdvantage Platinum Select World EliteTM Mastercard issued by Citi Bank. I received a promotional email offering a promotional interest rate of 1.99 % for new purchases until XX/XX/2019 ( attached ). I enrolled in the offer in XXXX. 

My XXXX statement had a balance of {$620.00} which was subject to the standard interest rate equaling {$11.00}. 

I made a payment of {$650.00} by the due date which, according to the Credit Card Act, should have been applied to the balance with the highest interest rate. Upon receipt of the XXXX statement I uncovered that {$560.00} was still being charged at the higher interest rate equaling {$9.00}. Citi had applied my payment to the balance with the lowest interest rate which I believe is against the Credit Card Act.
I have reported numerous times that my payment history is not reported correctly on my credit reports. Nelnet has refused to acknowledge they are not reporting according to the Fair Credit Reporting Act of these facts after numerous letters. Nelnet is reporting a 90 day payment on my account but how can there be a 90 day and the previous months states PAID AS AGREED? They sent me a copy of a payment history that is not reflective of this being accurate either. I have requested this false 90 day be removed. I believe Nelnet is using deceptive debt collection practices with there accounting and reporting of my pay history
In XX/XX/XXXX I signed up with XXXX XXXX with XXXX XXXX during that time I provided my XXXX XXXX XXXX XXXX number XXXX and I was informed by XXXX XXXX that my history will report every month to XXXX XXXX XXXX XXXX and informed me about my saving at the pump how I would get XXXX cents off at the pump at the pump and how I ca increase my credit line in so forth. Around XX/XX/XXXX XXXX XXXX contacted me asked me to make a big purchase on credit card because the company was doing some type of analyst and that I would want that to report on my credit report. I confirmed my XXXX XXXX XXXX XXXX number once again with XXXX XXXX and informed and couldnt make a purchase if I didnt need too. XX/XX/XXXX come around I find out my history has never been reported to XXXX XXXX XXXX XXXX. I contact the credit department XXXX  they state it was nothing that they could do and to contact XXXX XXXX XXXX XXXX. I contact XXXX XXXX XXXX XXXX and they informed that the company can got back and report up to 12 months I informed the credit department of the information XXXX XXXX XXXX had just mad me aware of. They informed me that they will not go back and report it XXXX XXXX  XXXX XXXX had to fix it the problem abut that will report from that day forward. I also contacted my rep XXXX XXXX. I asked XXXX XXXX what happened where was the ball dropped at, XXXX XXXX stated that my XXXX XXXX XXXX XXXX number was on file and it should have been reporting. XX/XX/XXXXI call XXXX XXXX back to inquiry about XX/XX/XXXX XXXX XXXX and to find out what was the extra charge I keep getting charged every month and it keeps going up and Im asking him to explain the bill. He states its a late charge and he hasnt heard anything back from the credit department as of this point and for me to contact them again and to contact customer service regarding my bill. XX/XX/XXXX, I contacted customer service again regarding the strange charge. Customer service finally informs me that the strange charge is an out of network fee and that every time I use another brand other then XXXX  I have to pay {$2.00}. Im like wow I was never disclosed this information prior to signing up for the account or during my lifetime of the account until that day. I call XXXX XXXX immediately and asked him about the out of network fee and why did not inform me. XXXX XXXX states that he was not aware of the charge. I asked XXXX XXXX how is he selling a product you know nothing about then I went to inquiry about my XXXX XXXX XXXX XXXX XXXX and he had no answers. I gave XXXX XXXX more than enough time to resolve this issue. He has refused to response to my inquiry and refund me. XXXX XXXX has refuse me contact information of his superiors as well. Since XX/XX/XXXX I have been getting charged fXXXX XXXX in the amount of {$9.00}. On XXXX I received 2x charges for XXXX XXXX. XXXX XXXX refund {$110.00}. Out of network fee since XX/XX/XXXX in the amount of {$180.00}. Miscellaneous fee XXXX for XXXX. Total due back to me is {$310.00} and I would like company to go back and report to XXXX   XXXX XXXX XXXX like I was promised 3x.
i obtained a title loan from XXXX  for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an east west bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX is reporting unfairly.
My Credit Card was opened on XX/XX/2016, Credit limit of {$600.00} and then it was decreased!! to {$300.00} just recently with out any notification!!! my account is in good standing!!!! missed one payment by 2 days due to hospitalization - right after that my limit was cut in half!!! called and the rep thought it was crazy and that they would check into it - that was to no avail. Have not heard anything. I let them know like all my other Creditors that my Credit score would change due to purchases for my new home and that I gave myself 1year and 1/2 to pay off everything and get my score back up, this was explain to them prior to purchase and they informed me as long as payments are made and they were more then minimum. my account would be fine!!! NOT!!!!!!! 

So is this the new norm for what happens when you miss one payment by 2 days!! Because you are in the hospital!!! and when you pay its more then the minimum, or if you purchase furniture and things for new home you are penalized!!! 
even when all of your accounts are in GOOD STANDING!!!!! after all the purchases!!!!!!!
I was unable to receive my free annual credit report from Experian. The website says, '' We were unable to honor your request. If you entered your credit card information, we did not charge you. ". So I guess they want me to pay for the report but it 's supposed to be free. There is no option to speak to a human when I call. My banks fico report says that Experian is reporting delinquent payments which is false. So I need the report and then a direct line to speak to a human to remove false info on my credit report.
In XX/XX/XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large cable company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX XXXX  that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to Sallie Mae about this and they basically told me tough cookie. I defaulted on the loan in XX/XX/XXXX and have never looked back. In XX/XX/XXXX they sold the debt to Navient. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
I received a letter from XXXX attempting to collect a debt. I replied with a letter on XXXX XXXX with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the bbb regarding this matter. I also stated in that complaint that I wanted XXXX to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that XXXX did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, United Student Aid Funds, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX just because he says so.
This company has called me a total of six ( 6 ) times today alone XX/XX/18 after i told them to stop calling send correspondence by mail