WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in regard to what is believed to be a scam company referenced as Premier Student Loan Center allegedly located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( likely a drop box ) with

various telephone numbers that appear to be local and web address www.premierstudentloancenter.com.
PSLC called me today at XXXX from XXXX ( XXXX   XXXX, TX ). After multiple disregarded calls from them, I answered this call. The lady asked for my name and how much I owe in Student Loans, then transferred me to another lady who was going to tell me all about the forgiveness program. 

Enjoying the amusement, I decided to listen up.

She again asked for my name and amount I owed. I informed her the lady gave her that information when she introduced the call, and I only want to know about the program. She said she would just make it up, I said OK. She then proceeded to explain the program to me and stated the Department of Education will pay my loan off through PSLC , take it back and lower my rate. I responded, first off, the Department of Education isn't paying off anything, they never have or will so let 's get that straight. She immediately started yelling to the top of her lungs, stating I work with loan forgiveness and you don't know what you're talking about, You are trying to tell me you know everything, I don't understand the point of this call if you refuse to let me talk. She paused for a second and I started laughing and asked why she was so upset, she then started up again, I'm not upset, I'm not yelling, you're yelling, then she put me on hold for 3 minutes and disconnected the call.

As comical as it may be to me, I'm fortunate to have a career where fraud is identified regularly, but others aren't so lucky. This company need to be shut down, sanctioned and fined for these illegal practices and taking advantage of misinformed and disadvantaged people!
I mailed MRS BPO in XX/XX/XXXX disputing this and demanding legal validation. They have refused to respond.
Past Dispute XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XXXX XXXX, XXXX XXXX XXXX, XXXX Completion Date Dispute Results TransUnion received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. 
Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 
If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 
Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX, XXXX Open {$87.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date Responsibility Individual Balance {$87.00} High Balance {$87.00} Remarks Placed for collection
What is the count now my heros? I have now a same from XX/XX/XXXX you closed out as redundant. NOT TRUE! The same for XX/XX/XXXX- XX/XX/XXXX and thisXX/XX/XXXX. Will you close this out as redundant too? I ask who are you working to protect. Them or I? As of now, I am feeling ignored and put in my place. My Dead Father 's information is still on all. Incorrect wage reporting belonging to him, still there. Legal Deed and Transfer illegally reported as it does not have factual information. It contains a LIE! I see a cover up. Are you willing to be complicit in this? To lexisnexis I am a JOKE. I don't think you have a better regard for me at this point. RSVP
XX/XX/2016 XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX, XXXX XXXX Re : Acct # XXXX X To Whom It May Concern : This letter is regarding account # XXXX X, which you claim MY ACCOUNT WAS CHARGED OFF {$13000.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter i sent to santander. they have not responded. They failed to send the document requested according to the above letter. i am hereby requesting they delete any negative report from all XXXX credit bureaus immediately.
XXXX  XXXX is reporting an open account on my Equifax and XXXX  in the amount of {$2000.00} that does not belong to me. 

On my credit report XXXX XXXX shows this alleged debt was sold to a collection agency and both XXXX XXXX and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with XXXX XXXX and this needs to be removed from all 3 Credit reporting agencies immediately, XXXX XXXX is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment
We had a second mortgage that was supposed to be paid to XXXX XXXX, n/k/a Select Portfolio Servicing ( SPS ) on XX/XX/XXXX.. SPS has records of transactions recorded after loan was paid by us on XX/XX/XXXX, and received by SPS on that date. However, the payoff as received by SPS was recorded as a different dollar amount than by us, and received on XX/XX/XXXX - a day late than the check was stamped received, and with transactions and fees occurring on the account for nearly two years after our XX/XX/XXXX payoff. SPS claims payoff was not received until XX/XX/XXXX. That is incorrect, as the payoff check is stamped as received by SPS ( f//k/a ) as XXXX onXX/XX/XXXX-- the date required for payoff, by payoff quote, to be received by. Further, transactions occurred after that date - including Broker Price Opinions, Foreclosure related fees, and forced placed insurance. We have requested from SPS that they  provide the name of the party that " paid out '' on the loan - prior to receipt of our payoff, received by them, on XX/XX/XXXX SPS has refused to identify the name of the entity or insurance company that " paid out '' on the loan, and by which our payment was diverted, not recorded as paid by us, and with fees accumulating on the account. Further, no accurate/valid discharge was ever recorded in our County Registrar 's office. All SPS can tell us is that someone paid out on the loan, and will not tell us who. We have no idea where the money went, and we request a full investigation, and accounting, as required under Dodd Frank new law - including changes to RESPA. SPS recorded an assignment and discharge in XX/XX/XXXX, in our County -- on behalf of XXXX XXXX XXXX XXXX, as trustee to a trust. - XXXX XXXX XXXX XXXX has no record of us or the loan. No Power of Attorney is recorded in our County -- our state requires an original Power of Attorney to be recorded. Thus, SPS is still acting as servicer, and we have requested numerous times as to the accounting of the records, and the reason why SPS still has records in possession, by which they filed a VOID assignment and discharge in our County Registrar 's office as recent asXX/XX/XXXXWe request an immediate accounting and response, under RESPA, and believe SPS will comply with the law.
I just do not know what next steps to take regarding my private loans. I can not afford to pay on these loans at all. I only brought home XXXX last year and I am a single parent. I would like to pay what I can which is not a lot, but the lender is saying it 's not enough. Since I have graduated I have not had a good paying job that will allow me to pay for my private student loans without sacrificing necessities. I have been trying hard to find a better paying job but I am afraid that the negative marks from these loans on my credit report are playing a huge factor as to why I am not able to succeed much in being offered a better paying job.
If regulated banks such as XXXX and Citi are allowed to discriminate as to which companies and individuals they allow to do business with based on their personal preferences or political beliefs and insert themselves into social engineering, then where is the line drawn? XXXX vs XXXX banks, straight vs XXXX banks, and gun owners vs non gun owners? When the next financial disaster occurs will we voters be allowed to give a thumbs up or down on each whether they get a taxpayer bailout or not?
When  XXXX  made the change from   XXXX   to Visa,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX    XXXX   credit score monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fe e ( automatically ) on that card, and was never told about it. By that point my payment was about 6 months late and h ad an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX   dealt with this situation poorly.     However, this event has turned out to have a profound impact on my credit score. The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
I had a title loan with : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. In a period of 10 months ( beginning XX/XX/2017 ) I paid {$270.00} per month and today I paid off the balance of {$1900.00}. The principal of my loan was only reduced {$86.00} in 10 months. In 10 months I gave them a total of {$4600.00}. This doesn't seem right and I did not understand the implications of my contract.
XXXX / XXXX / XXXX  : Applied for a  Chase c ard and was denied for past negative " personal '' history with the bank, there were no negative reports from  Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied fo r a Chase card and was  denied for past negative " personal '' history with the bank, there were no negative reports fro m Chase or an yone else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied f or a Chase card and was denied  for past negative " personal '' history with the bank, there were no negative repor ts from Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Called local Chase bank branch to inquire about my personal report with the bank, they do not have info, refered me to cardmember services. I talked to  XXXX  at cardmember services who was unable to provide me with a copy of this report. I wanted to obtain a copy before I attempted to apply for another card. I do n't want to apply for a card and take a " hard pull '' on my credit report, if I will be denied for " personal '' reasons.  XXXX  advised to apply anyway, and then if I 'm denied ask to be reevaluated at which point they will do another " hard-pull ''.
On the morning ofXX/XX/XXXX ( XXXX ), I noticed an unauthorized pending charge for {$820.00} from XXXX XXXX XXXX XXXX on my XXXX Chase XXXX credit card. I called the XXXX Chase XXXX number immediately to report. They closed the account, credited back the {$820.00}, and flagged the charge for review. I received a XX/XX/XXXX written letter from their Fraud Dept to notify me that the charge was now under investigation. Eight weeks pass. In XX/XX/XXXX, I receive written notice from the Fraud Dept that they had concluded the charge as a valid one because " You received benefit from transaction ''. Confused, I contacted XXXX XXXX XXXX 's Risk and Fraud department on XX/XX/XXXX ( XXXX ) where I learned more about the online transaction made using my credit card. In the course of our conversation, it was also revealed that key information was incorrect at the time of online purchase ( e.g., name on the card is wrong, the phone number is wrong ). Additionally, I learned that the 3-digit security code was not required at the time of purchase. XXXX XXXX XXXX could not produce the IP address from where the online transaction was originated. They also could not determine who signed for the purchased item when delivered via XXXX. I subsequently filed an online identity theft report with the local police department. I next spoke with XXXX Chase Fraud department on XXXX XXXX, XXXX at XXXX to contest their judgment that the charge was valid. The person said they would look at the case again and would have a member of the Fraud Dept follow up with me by telephone. I received a call from the XXXX Chase Visa Fraud Dept on XX/XX/XXXX at XXXX and spoke with the individual investigating my claim. He repeated that, based on his discussion with the vendor, the charge was a good charge. I next confronted him with the inaccurate information associated with the card, especially the fact that the 3-digit security code was not collected by the vendor. I also pointed out the missing information such as the IP address and the XXXX delivery signature. Finally, I asserted that the fraudulent purchase is not consistent with the purchasing profile I have formed with XXXX  Chase Visa over ten years of using the card on a regular basis. The investigator said that he would revisit the case based on my statements and follow up with me either XX/XX/XXXX or XX/XX/XXXX. Besides the fact that being the victim of online identity theft is a horrible feeling, I feel extremely disappointed in the lack of investigative power shown by the XXXX Chase Fraud Dept. It appears that the case was not investigated immediately, which means that valuable information about the online purchase is lost by the vendor. It also appears that communications with the vendor were not thorough enough to reveal problems with the original online purchase. It was because of my phone call directly to the vendor 9 weeks after the fact that these problems were brought to light.
On XX/XX/XXXX, I used two different credit cards at check out to pay for my room and the room for the Fire Captain assigned to escort my husband 's body back to the U.S. When I checked online banking records on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX had used card XXXX for both rooms while also using the correct second card XXXX for the Captain 's room. I filed an online dispute with Navy Federal on XX/XX/XXXX. After providing NFCU with multiple proofs of the duplicate charge ( the separate folio payment records from the hotel ), NFCU sent me a letter dated XX/XX/XXXX that advised they found no error and they were recharging the account. Included with the letter was proof that the second card ending in XXXX had indeed been charged for the second room. Despite this, NFCU posted a THIRD charge to card XXXX. I have attached a screenshot of all transactions concerning the XXXX XXXX on card XXXX showing the three room charges for transactions on XX/XX/XXXX ( check-out from the two rooms ) with two posted on XX/XX/XXXX and one posted on XX/XX/XXXX. ( Please disregard the smaller charge of XXXX. This was for drycleaning. ) Therefore, Navy Federal refuses to acknowledge that they have now facilitated/honored FOUR charges to the XXXX XXXX for the two room charges on XX/XX/XXXX : three on card XXXX and one on card XXXX. By the hotel 's own legal VAT invoices ( attached ) for these overnight stays, only two charges are legitimate.
A loan company by the name of tower loan has called me over 5 times in the same day even though I made a payment that day. Tower loan is the business.
The equifax data breach has compromised my personal information and the company has not done enough to assist consumers impacted by the breach. The gross misshandling of security platforms has resulted in millions of identity theft cases and the unfair burden of filing credit freezes is a process which is not being handled well, or at all, by equifax. I have attempted to file a credit freeze on XXXX XXXX 2017 and have not been contacted by the email service i initiated with TrustedID to ensure my identity is not compromised. Furthermore, i learned that Equifax was fully aware of the breach but elected to perform insider trading at the expense of their customers to make money before their stocks nose dived in the aftermath of the breach.
I have an item on my credit report that does not belong to me. It says the status is closed, sent to collection for XXXX dollars. Says customer unable to locate consumer. I 'm XXXX military and have lived at this address since 2002. Same phone number, etc.
I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with XXXX XXXX  so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of XXXX.
Due to an extreme hardship & divorce I fell behind with the mortgage. Caliber Home Loans who has just recently purchased my home from XXXX XXXX has a foreclosure and sale date of XXXX XXXX on my home even though I was working with their loss mitigation Dept to try to modify the payment they accelerated the foreclosure and I have n't even been given the chance to work out options with them. I have n't even been given options! I received the application & a letter of approval to submit a modification application from them dated XX/XX/XXXX then got a letter dated XX/XX/XXXX that my application was denied cause I did n't turn in documents. Really a day later. That seems deceptive & misleading if you ask me. And they are n't honoring the chance I was given to Try to modify before I got the accelerated foreclosure letter from attorney sent XX/XX/XXXX. I had already turned in an application because I did n't wait for the one dated XX/XX/XXXX to come in the mail, I printed one off their website. But now the sale date is so close & I am still trying to modify. It 's a race against the clock & see which comes first. But they are dragging their heels. I turned in all documents they requested. And everytime I call to make sure they got it I 'm told I need to send something else!! And it takes up to 5 days for them to upload it.
This company is harassing me and my family. They are continually robo calling my mobile phone, parents, siblings, and employer. I am losing work because of their tactics. They claim to represent the IRS, Banks, and will arrest me. These people need to be stopped.
I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a damaged shoulder and neck and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of XXXX XXXX XXXX XXXX refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXXyr old man and I want to fight for what is right.
XXXX  complaint reference I disputed and those companies reviewed and said was accurate. Transition wants specific acct numbers and nature of dispute. The following  XXXX  accounts were denied by me in court All  XXXX  lawsuits were dismissed and not proven to be mine I wanted all reporting of these account and collection of said accounts removed from my credit report  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
Received letter dated XX/XX/2017 fromm IC System re account number XXXX. I asked IC system to validate debt and they were unable to do so therefore I am filing a complaint.