WillisBack/dataset-financial-user-claim huggingface dataset:
My total student loan debt is around {$55000.00}. Half of that is federal loans, and the other half are private. The federal loans are easy to repay due to their income driven repayment plans. My private loans on the other hand are out of control. I am not even making a dent in them, and I have been graduated/fully employed for 2 years. The issue first started with Sallie Mae when they had me on a {$550.00} a month payment with a 5 year term to repay, which is absolutely ridiculous. I lived at home after I graduated because I could not afford to rent somewhere. Shortly after arguing with them about how I couldn't afford their payment, I refinanced with Navient through a website called XXXX. Only to later find out that Navient is a break-off company of Sallie Mae. While my payments are lower with Navient, they are slowly going up to a payment I will not be able to afford due to me relocating to a new city for work, and now having a new expense of {$900.00} a month for rent. I can't even afford to go get a new car because my disposable income is almost non-existent from all of my student loans I am paying on. I am truly drowning in debt, and have no way to start a life on my own. I blame part of this issue on the school as well. They never informed us the difference between federal and private loans. They basically wanted us to get the money we owed each semester in the quickest way possible and sign on the dotted line. There was ZERO educational information on what we would be getting ourselves into in the future.
We have received numerous calls from IC Systems saying they are trying to collect a debt and they need more information from me ( date of birth, social security #, or home address ). IC Systems has never sent me a bill. They would like me to pay over the phone. The amount owed is {$88.00} and was for an XXXX performed on XXXX XXXX, XX/XX/2015. I did have an XXXX on XXXX/XXXX/XX/XX/2015 at XXXX XXXX XXXX XXXX. I called XXXX XXXX. XXXX XXXX said that I do not owe that amount. I have not received a bill yet from them as of yet.
I opened a credit card with American Express with the express purpose of transferring a balance from another American Express product. This was clearly stated in the conversation that I had with the American Express representative. Not only did she state that I could transfer the balance, but that it would also be allowed under the 0 % for 6 months offer that they were running. I opened an XXXX account at that time. When I called to transfer the balance, they told me that they could not transfer balances between American Express products. They offered no remediation. I subsequently closed both my new " Blue '' card and my American Express " Green '' card. I still have the " XXXX True Earnings '' card that was the original card from which I wished to transfer the balance. I feel that the American Express agent selling me the credit product intentionally committed fraud to make a sale. I have reported this to their own fraud department who refuses to call be back at this writing.
XXXX XXXXPhone Number : XXXXXXXXPhone Call Date : XXXXXX/XX/XXXXPhone Call Time : XXXX ESTAfter receiving the feedback from Transunion I reached out to XXXX to receive some verbal information/confirmation since Transunion only verifies electronically. 

I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red:1. What is the Account Name : XXXX XXXX2. What is the information from the debt collection agency? 
Name : XXXX Address : XXXX XXXX XXXX. 
XXXX, FL XXXX Business Phone Number : XXXX Professional License Number : I do not have XXXX What address does this collection belong to? 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 

4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 

5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XX/XX/XXXX. 

6. How long have you had this debt? This debt has been in our office since XX/XX/XXXX. 


Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old XXXX on file ) then that means the credit agency also provided my phone number and social security number too. Transunion verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XX/XX/XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. The attached documents shows My correct XXXX account and that I am not currently in collections as my balance is a little over XXXX.
Several harrassing calls at my place of employment behind a debt I have no information about. This is the third time this number has contacted me under two different company names. This time it is from XXXX XXXX from National Credit Adjusters from phone number XXXX ext. XXXX Previously it was from XXXX XXXX from another company I do not remember. I submited a previous cfpb complaint about that.
Laid off, and they have no plans to lower payments, ,and they keep adding late fees,, when a person notifies a place that they lost there job, you should automatically be put on a reduced payment plan, ,with no late fees or, other charges, There are 2 accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I called Sallie Mae to see if they could offer me some sort of loan modification because my student loan payments are too high and I ca n't afford them and the only option that they gave me was forbearance. I do n't want to do forbearance, I want my monthly payment to be affordable.
Bridgecrest Credit Company which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$16000.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.
I have sent XXXX request to have Smith, Rouchon and Associates , Inc. validate a debt that they have been contacting me about. I have expressed over numerous of occasions that the debt does not belong to me. Smith, Rouchon and Associates, Inc have failed to send me any correspondences validating such debt and yet they still are reporting the negative information to the credit bureas.
On XXXX XXXX, 2017, I opened a Credit Card with XXXX XXXX XXXX that is funded by XXXX XXXX, XXXX for {$1300.00}. I experienced economic hardship immediately after opening this account. The credit card company was not willing to work with me at all. I called numerous times to no avail in establishing some type of agreement due to my economic hardship. I am currently still experiencing economic hardship and this company still does not wish to work with me on my situation.
On XXXX/XXXX/16, I went to the ATM located at the M & T bank at XXXX XXXX XXXX XXXX, XXXX, VA around XXXX. I use this ATM on a regular basis usually every other Thursday when my payroll has been directly deposited into my account. I attempted to get {$310.00} from the machine. The ATM made a long grinding noise and did not complete my transaction. No monies were dispersed to me. I left and went to work. I checked my online account for verification that my account was not debited. However, my account had been debited for the {$310.00}. I immediately contacted M & T bank to inform them of the situation as well as the branch where the ATM is located. M & T bank issued me a provisional credit of {$310.00} pending their investigation. I received a letter from M & T bank dated XXXX/XXXX/16 informing me that they determined that the transaction in question was processed correctly and no error had occurred and they were denying my claim. They then erroneously reversed the provisional credit of {$310.00} on XXXX/XXXX/16. I immediately contacted M & T regarding this matter and they informed me that I could submit a letter requesting that they re-open the investigation, which I drafted and faxed to them on XXXX/XXXX/16. As I informed them in my letter they should pull the film and look at it and they will see that no monies was dispersed to me when I was at the ATM on XXXX/XXXX/16. M & T bank wrongly debited my account for {$310.00} and I want my money to be correctly returned to my bank account. My payroll check is directly deposited into my account every other Thursday and a deposit was made on XXXX/XXXX/16 so there was no issue with the funds being available. Given my stellar banking relationship with M & T bank which spans approximately 20 years I strongly disapprove of their handling of this matter. This makes me very uneasy as a consumer that a banking institution can incorrectly take monies from my account. No monies were dispersed to me from the ATM on XXXX/XXXX/16 and M & T bank wrongly took monies from my account. I want and need my money back.
I returned a XXXX XXXX at lease termination XX/XX/XXXX, all lease payments were made on time. Mercedes Benz represented to me that if i leased a new car from them within 60 days of lease return they would waive and/or greatly reduce turn in fees. I leased a new Mercedes about 2 weeks after the previous vehicle return and obtained lease financing from MB Financial ( same lender on both leases ). I returned the second MB in XXXX, all payments were made in a timely manner, I received and itemized statement from MB on the 2nd car for additional fees and promptly paid them. 
I am vehemently disputing the vehicle turn in fees on the first MB because I was never notified in writing of any amount due until approximately 4 years and 10 months after lease termination and never have received an itemized summary. I responded to the collection agency within the 30 days of notice of debt with a letter from my attorney disputing the amount with case law support and MB continues to report wrong and derogatory information on my credit file with all 3 bureaus. MB have their facts wrong on why they waited for almost 5 years to notify me of this claim. MB is reporting incorrect information on the second vehicle and using it as leverage. I believe I am being bullied and harassed by MB when they have no right under the statute of limitations.
On XX/XX/XXXX My fianc and I went to via XXXXXXXX XXXX XXXXXXXX XXXX  to purchase a property. Because my credit was stronger than his I was informed to put myself on the property and because there is no box to check for engaged, I was also suggested that I checked single. The only option were married, single or divorce. Nevertheless, XXXX and I continued the process toward getting the home. 
On XX/XX/XXXX XXXX and I broke up. I went to the XXXX home site on XX/XX/XXXX to Notify XXXX of what had transpired and that I wanted to cancel. She said no problem! All I had to do was write a letter because she had a waiting list and someone else is interested in the property. I did as she asked and a letter was produced to her on XX/XX/XXXX, explaining the circumstances as to why I was cancelling the purchase of the home ( see attached ). 
Nevertheless, the following week, XXXX informed me that my request was denied. I was surprised because she said the letter was sufficient! She said that XXXX will only allow me to transfer to another property. Moving forward I asked her to provide me with her boss information and after speaking with him ( XXXX XXXX ) it was evident that they were not letting me out and the only option in oorder to not lose my money, was to move forward with a transfer. 
During or around the first week of XXXX. I came across XXXX XXXX property. On Friday XX/XX/XXXX I gave XXXX from XXXX XXXX dollars toward transferring from one property to the next. I went out of the country the following day XX/XX/XXXX and ever since then it has been rush, rush, rush. Everything was rushed and they/XXXX always threatened me that I would lose my deposits. They would say Send us more money or lose your deposit. Signed these papers or lose your deposit I clearly spoke to her about my travels plans but it was not respected. I sent XXXX ( 2 ) XXXX deposits one on XX/XX/XXXX and the other on XX/XX/XXXX. They sent me papers to sign that I didnt sign because I did not understand them. I returned on XX/XX/XXXX and I was asked to sign more papers that I dont understand. Nevertheless, on XX/XX/XXXX ( a week later ) I did an inspection with XXXX inspector ( XXXX ). He found 100+ issues with the property and my independent inspection found over 150 issues wrong the property. What upsets me is that XXXX still want to close at the end of the week which means that I will be getting a rushed job and most likely items will not be properly fixed with the issued found. 
In addition to that, I have now discovered that my loan application has information on there that is not accurate. My income is incorrect and all of my debts are NOT included. I strongly believe and feel that XXXX is forcing me to go through with this deal and I dont think that I would truly qualify on my own despite my plea to them ... A lot of things were not done correctly and I think the loan process should stop and be further investigated by you guys. I think they are looking out for themselves and someone needs to look into this further.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Specialized Loan Services acquired my loan from XXXX XXXX XXXX XXXX. 
XX/XX/XXXX I received a letter informing me that an escrow account has been established and a hazard insurance policy provided. I called SLS and gave them details of my existing hazard insurance policy and asked XXXX XXXX to send proof of insurance. SLS confirmed receipt of hazard insurance documents, cancelled the escrow account and issued a statement showing a credit for all escrow charges. However, when I reviewed my bank statement XX/XX/XXXX, I observed payments to SLS exceeded normal amounts that are automatic each month. After several calls to SLS, I was eventually told " a payment for hazard insurance was made to XXXX XXXX '' and the escrow account has been reestablished. When asked who requested or authorized the payment to XXXX XXXX, I was always referred to someone else. Attempts to reach XXXX XXXX, the account representative for XXXX XXXX have been without success. SLS continues to request monthly ACH payments from my bank account that include amounts for escrow. XXXX of SLS executive office was contacted and she insisted that the escrow account can not be discontinued although I explained and offered proof that I had already paid XXXX for hazard insurance and was never delinquent or tardy with payments of any sort. Telling her I will seek legal advice on the matter did not change anything. In fact she said I can go right ahead. My wife who was never involved with this issue received an email from XXXX XXXX saying a refund check was issued for hazard insurance. However, that check was never received.
They added a negative line to my credit for a bill that the insurance paid. I never even received the overdue bill from the hospital prior to them applying it to my credit.
After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle.
I HAVE A MORTGAGE THROUGH FREEDOM MORTGAGE. I REGISTERED TO PAY MY BILL ONLINE. EACH AND EVERY MONTH I CAN NOT ACCESS MY ACCOUNT AND HAVE TO SPEND AN HOUR WITH A TECHNICAL REPRESENTATIVE BEFORE BEING ABLE TO PAY MY BILL. IF I DONY HAVE TIME FOR THIS MY OPTION IS A PHONE PAYMENT WHICH THE COMPANY CHARGES FOR. THIS I THINK IS THE REASON THAT THE WEBSITE DOES NOT WORK PROPERLY SO THEY CAN GENERATE PHONE PAYMENT REVENUE.
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX
Around XX/XX/XXXX I got disappointed on how Fifth Third Bank had handled an issue regarding my debitcard being cloned. As a consequence, I closed my checking account with them and paid all the current balance at that time. In XX/XX/XXXX, I received a letter from the Bank saying that I had an opened current balance of about {$300.00}. After many back and forth attempts to dispute the amount, I decided to pay all and get rid of the headache. At the same time, I sent all documentation to the headquarter of the Bank in XXXX so they could proceed to clean my name with the XXXX main credit report organizations. I even received a letter from the Bank confirming that all had been resolved and that they were going to communicate the credit report organizations. Now, XX/XX/XXXX, I received a letter from a third party company saying that I own {$450.00} to the Fifth Third Bank and that after many attempts to reach me ( which was not true ) they will file a lawsuit to collect this debt if I do n't pay immediately. On top of the fact that I do n't know what this amount refers to, I am extremely aggravated by the fact that I am still have been charged for something I resolved properly after more than 3 years ago. I ca n't think of anything but bad practice in bad faith from the 53 Bank.
I am delinquent on Bank of America Credit card by many months. My husband is XXXX ill and after being told by XXXX he had XXXX, I quit work as an XXXX to care for him, XXXX years ago. I did not expect this and expected to return to work long ago. I have placed him in a home a few weeks ago and plan to return to work soon after I get personal affairs dealt with. I have filled out their form on their website filling in financial info for delinquent accounts telling them everything I have including income, debts etc. I have written to them asking for written communication only. They simply wrote back and said " We need to speak with you. '' They still continue to attempt to call XXXX or XXXX times every day.
I went to my police station and got a police report just like Equifax told me to do and I sent them a copy and its been over 45 days and they still have not removed the item. The lady on the phone said when I sent her the info it would be gone in four days ; that was 45 days ago. As I have been researching on the internet a lot of people have had to file a complaint with this consumer financial protection bureau. Can you please look into this for me?
Made a purchase through XXXX XXXX with XXXX Retail Credit card, the order was cancelled on XX/XX/2018, and was voided on XX/XX/2018. It still shows on the XXXX retail credit card that the order is pending since XX/XX/2018. It has been 3 weeks and 6 days since it shows the order is still in the pending status. XXXX XXXX has already confirmed and sent a receipt showing the order has been cancelled. On XX/XX/2018 I  spoke with XXXX after receiving a statement showing that the transaction is still pending, they advised me XXXX XXXX has not sent anything which is a lie because I have the cancellation email from XXXX XXXX, and when I call to speak to XXXX XXXX they state no order is pending and XXXX  should have been cancelled the pending transaction. Since XXXX is unwilling to cancel the pending transaction it has just be sitting using my available credit and I can not use the card to make the purchases that I want to make. The representative XXXX I spoke to via chat advised they can not do anything, even when I have the proof.