WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX I finished my process for loan consolidation. I was expecting those payments to be disbursed in early XXXX, and was aware that it would most likely be after my payment date. After explaining the situation to a American Education Services representative, I received more calls regarding the delinquent payment, but I was expecting them. Until I finally confirmed on XXXX XXXX that my consolidation check had been received. However the remaining balance had issues. The calls I continued to receive started with a request for 2 full months payments around {$80.00} each ( {$160.00} total ), but the remaining balance was only {$54.00}. 

On XXXX XXXX I confirmed with a service rep that the {$54.00} was all that I needed to pay to close the account. I was congratulated on paying the balance off, and transferred to the payment system. After paying that amount received a call on XXXX XXXX, again the rep asked for {$160.00}. After correcting her she then alerted me that the {$54.00} was short due to a late fee on the XXXX ( a day before I confirmed the number ). She said that amounts below {$5.00} are written off, and that I would be taken off the auto-dialer. I received a call today again asking for more than the balance, prompting me to make this complaint. Checking online to make sure I have the documents for this complaint, and the numbers do not seem to add properly either. 

I have attached texts taken from my account page on their website You can see that my payment of {$54.00} seems to actually cover the late fee, while a few other statements do not seem accurate as well. 

Considering the confusion, and the harassment due to their system prompting collection calls with inaccurate figures ; as well as the repeated assurance from service reps that this had been resolved, only to receive more calls ; and lastly the poor customer service I received today ( XXXX/XXXX/XXXX ) I was forced to make this complaint and am investigating options to hold AES accountable. 

They have for years harassed me due to the system they use, which prompts the calls for collection despite payments being made. They have been unable to assist me in closing an account because they have inaccurate statements. Now observing my payment history it seems the balances do not make sense, and I have to call into question how they have handled my account as well as others the entire time.
X/X/17    - Re ceived notice to appear in court for a debt collection in the amount of {$14000.00} from Barclays Bank Delaware.       X/XX/17    - C hecked personal credit report confirming that debt was on my report and had been defaulted on.       X/XX/17    - Wrot e Barclays Bank Delaware letter informing that debt was not mine and requested validation of the debt under the " Fair Debt Collection Practices Act '' and the " Fair Credit Reporting Act ''. Requested proof of signature for debt.       X/XX/17    - Letter  was delivered via  USPS  certified mail and confirmation of pick up sent.     Date unknown - Received letter fro m Barclays Bank s tating debt was validated and enclosed a bill statement.       X/X/17    - Wrot e  Barclays Bank 2nd lett er again requesting written confirmation with signature of claimed debt.       X/XX/17    - Lett er was delivered vi a USPS ce rtified mail and confirmation of pick up sent.       X/XX/17    - Re ceived letter from Barclays Bank Delaware with enclosed application for debt . ( Noticed IP Address was i ncorrect and located in different city & state.       X/XX/17    - Receiv ed letter from  Barclays Bank that investigation is complete and debt confirmed. ( No acceptable evidence has yet to be s hown confirming the debt was accepted by me ).
I was being contacted by a hospital for an outstanding bill. At the time I resides in XXXX. I verbally communicated with them multiple times that I had insurance to cover the charges and even provided them with the information. As well, I provided written communication with paper copies of the insurance proof. A few months after I moved to XXXX. I immediately notified them in writing and verbally about my change of address and phone number. After this, I never received any notifications from them. I found out one month ago that they had sent my account to collections even when I had spoke with them after they sent it ( my unknowingly ) and was never told. I never received any notifications at my new address or phone number, and now have a debt that has tremendously affected my credit score that should not be on there. 

My insurance is XXXX XXXX XXXX.
On XXXX XXXX, 2015, I was involved in an automobile accident that resulted in a XXXX. Following two months of not being able to work - doctor 's orders - I began working half time on XXXX XXXX, 2015. During this period of time I have had no income. I hope to be working full time again after two more weeks of recovery and only then will I again have full time income. I have tried my best to work with Sallie Mae to get through this period of recovery and lost wages. Several phone calls later and all I was told was that my account is " all messed up '' and that it will be straightened out with the latest phone call. I was also told by that Customer Service employee that I should " ignore all phone calls '' as this situation would be resolved. I just checked my Credit Score and found out that they have not straightened out this situation - in fact they had placed on my credit record a delinquency that has severely negatively impacted my credit score and the credit score of my co-signor. I contacted Sallie Mae again and have been told that nothing can be done about this. Upon checking my Sallie Mae account on XXXX XXXX, I had a letter stating that I needed to pay over {$600.00} in order for a negative report not to be submitted to my credit record. They have already submitted that negative report! I am now hoping to begin further education this summer for a degree in XXXX XXXX. However, the way Sallie Mae has handled and, according to their representative " messed up, '' my account, I am now afraid that I will not be able to financially pursue my education objectives. And, I am afraid that my credit record will be negatively impacted by their " mess up '' and reporting to credit bureaus after I was assured this matter was cleared up on XXXX XXXX. I am at a total loss ... ..
I went to XXXX to get my free report. Both Experian and XXXX noted that I had to print out a form and mail in my request. Further, I have to provide copies of XXXX separate documents "for my security". Mailing, in my opinion, is less secure than an encrypted internet connection. Could they make it any more difficult to get my credit report? This reeks of the ratings agencies, once again, making it as difficult as possible for consumers.
On XX/XX/2018 after loan offered by Avant, Inc . I filed an electronic application. 
I selected their offer available in their website for a loan of XXXX with a repayment plan of 24 months. 
On XX/XX/XXXX they sent me the contract documents ready for me to sign, however, instead of 24 month payment plan, they wrote the contract for 48 months claiming the 24 month was no longer available in my state??? If their website had such offer, they will have to honor it. I phoned twice and spoke to two different supervisors who will not approve the contract as originally offered. ( 24 months ) Today XX/XX/XXXX. I called their office as they requested me to do, and this time they came up with a new offer never requested before by me? Avant is willing to lend me {$7500.00} with a repayment plan of 36 months? I never requested this amount or terms. 
I am hereby demanding the original request of XXXX to be contracted for the 24 month originally offered.
My father had a suntrust card he had been ill and disputed the XXXX XXXX dollar balance. my father XXXX  suddenly leaving no will and no estate just debt, suntrust hired a company called XXXX XXXX XXXX to collect the debt. The day after my fathers XXXX XXXX called up pretending to be XXXX the woman, XXXX  /XXXX scared me threatened to have me thrown out of my home I started to cry. I called back and said I would pay the debt but then I called the attorney general and they said I did not owe the debt, I had to send a portion of my fathers medical record to show how he could not owe the debt
I submitted my loan modification under HAMP guidelines and was denied recently on XXXX/XXXX/16. They provided me the NPV input values and I used those figures on the government XXXX website and it says that I should be approved! I want Shellpoint to approve my loan modification or give me a better and specific explanation of why and how they denied me.
On XX/XX/18, I received a phone call asking to speak XXXX XXXX. That is my maiden name and has been changed for almost 14 years at this point, so that was the first thing that made me think this call was phony. The person on the phone said that there was some paperwork they are trying to get to me and asked me to confirm an old address. I figured the call was about old debt that is past the statute of limitations, I should have played XXXX  and got them to break more laws, but instead I asked them to provide me the address to send them a cease and desist. The fellow refused to provide the address and I requested to speak with the manager. XXXX then got on the phone and played bully. She refused to give me the address unless I confirmed my information which is illegal. I advised her I manage a XXXX XXXX and she then doubled down on her message. I asked repeatedly for the address and she flat out refused giving all the old school collection tactics I thought have been retired. 

I think the company is D2 Management LLC, the rep said D2M was the company name.
XXXX XXXX XXXX XXXX earned income credit qualifying children office address XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX admissions office Attach XXXX XXXX confidence financial letters of posted and post dated Annual XXXX XXXX Qualifying financial errors corrections caused by XXXX XXXX XXXX XXXX Public works political organization concerning Geographic coverage married Joint medicaid and medicare review errors caused by Judge office XXXX XXXX constables commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA. XXXX XXXX XXXX witness by Judge XXXX XXXX
1. Respondents failed to rebut, answer, respond to Conditional Acceptance upon Bona Fide Proof of Claim, dated XX/XX/XXXX,  USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. 

2. Respondents failed to rebut, answer, respond to Default Judgment and Declaratory Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, and USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a  sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. 

3. Respondents failed to rebut, answer, respond to Summary Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. 

4. Respondents failed to rebut, answer, respond to Final Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, I have never been presented with any sworn affidavits that would provide validity Respondents assessment, verifiable proof of claim. It is my best and considered judgment that no such paperwork or affidavit exists. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents failed to validate, verify, or provide proof of the claim, alleged debt. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents do not have any legal right to attempt to collect this debt, thus they need to remove the listing from credit report ( s ), and record, for the public record. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, I will notify the credit bureaus of this fact, if Respondents still reports the debt. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents failed to respond in this matter and are in violation of federal law and they do not have any right to try to collect the debt. 

XXXX : XXXX XXXX XXXX is an XXXX woman, above the age of XXXX. 

XXXX : XXXX XXXX XXXX is the rightful Entitlement Holder of [  XXXX XXXX XXXX ] ESTATE. 

XXXX : XXXX XXXX XXXX is the holder in due course of [ XXXX XXXX XXXX ] ESTATE. 

XXXX : XXXX XXXX XXXX is the Authorized Representative, executor, and sole beneficiary of said certificate of title [ XXXX XXXX XXXX ] ESTATE via an International Irrevocable Trust Agreement. 

XXXX XXXX XXXX is the Grantor & Owner of Record/Holder of Legal Title.
Equifax was negligent and did not securely hold my information. My Name, Social Security number, Birthdate, Address, Phone Number, and Drivers License number has been taken by unknown entities during the 2017 cyber attack. There is a chance they were also able to access my credit card numbers. 

I am a victim of Identity theft and now at high risk of credit and identity fraud.
The Servicer of my mortgage ( Banco Popular de Puerto Rico ) foreclosed my home. 
Banco Popular de Puerto Rico is only the servicer. Banco Popular de Puerto Rico bought the servicing rights on XX/XX/2008 to the original lender, XXXX XXXX XXXX XXXX. 
Banco Popular de Puerto Rico did not answered any of more than XXXX Validation/Qualified Written Requests letters. 
XXXX XXXX is the owner of the Mortgage and the Note, according to the " Look-up Tool ''. 

A Validation letter was sent to Attorney XXXX XXXX XXXX, when acting as a debt collector she did not responded and did not stop the collection process or the foreclosure. 

XXXX XXXX XXXX XXXX, Supervisor of the Foreclosure Deparment, declare in an affidavit, that the Banco Popular de Puerto Rico is the holder of the note by endorsement. 

The attached documents are in XXXX. That is the normal commerce language in XXXX XXXX.
On XX/XX/2015 & XX/XX/2015 unauthorized inquiries were submitted to Experian. I have spoken to reps from experian advising that I did not authorize these transactions. The representatives advised I would need to wait 2 years for this information to fall off from my report. XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX XXXX XXXX : XX/XX/2015.
hey guys i have a credit card with capital one and i have some missed payments due to me having a hardship in a change of jobs and then my house got burnt down, so i was struggling financial at the time but now i am on my feet i have missed some payments but i have now made 7 in a row payments and i will love if you guys can forgive me for some of my missed payments or all them. i have a great paying job now.
The school is XXXX XXXX, I am the parent co signer on this loan ( although I do n't remember signing on it ) the loan is past due and XXXX the loan company is requiring that over XXXX a month be paid we can not afford this kind of monthly payment and a supervisor ( we have her name and ID number. ) agreed we could pay XXXX a month. We sent in the payment via the automated line as agreed. now XXXX states that this agreement was never made. To make it worse they have no record of the payment being made. we have the confirmation number for this payment. we have no problem paying but for the amount agreed upon.
Received a settlement letter in XX/XX/XXXX from Discover, we sent a check in by the requested date to settle the account. The check showed up as deposited in our bank account so we figured the account was settled. Fast forward to XX/XX/XXXX we received a letter from Discover saying the account has still not been paid even though we have documentation showing the check has been deposited into their account. On that day we called customer service to see the status of the account, and they reported the same information as to the letter we received. They had us send in copies of the check and bank statement. Fast forward to XX/XX/XXXX we received another letter from discover saying that we still owed. We have called Discover multiple times to get this situation rectified.
I have send this credit bureau several letters and filed over several complaints that has been ignored over and again about them reporting addresses that I requested that they remove and are not accurate due to fraud and other reasons I ask that they remove any and all address reporting on my credit report for this is my second request of this where i send in proof with a copy of my paycheck stub and update it with my address that is listed on my current drivers license that I have attached also I have disputed for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 

1. XXXX XXXX XXXX XXXX-XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused as I have made contact with the creditors as well as they informed me to contact the credit bureaus In which they are the only credit bureau reporting these inquiries and refuse to comply.
I paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my XXXX   report. I filed a dispute with XXXX and the account is still not updated. All other credit bureaus are updated correctly.
I was a memeber of XXXX. I used my XXXX credit card to pay my share of the monthly membership dues, {$100.00}. There is another woman on my membership who pays the same amount, as we split the cost and membership. My membership was suspended on XXXX 2015 because I did not pay for a part for a boat i was using and they said I damaged it. I called XXXX XXXX on XXXX XXXX, 2015 and told them I was disputing the XXXX and XXXX charges XXXX and do NOT allow them to charge my credit card any more! I then called XXXX and left a message stating I disputed the charges and to stop charging my credit card! XXXX XXXX allowed them to keep charging my credit card til XXXX! I have been going back and forth with XXXX XXXX to get my money back. It 's always a different story with them. They told me '' when you called it was after hours so you talked to customer service not the dispute center. So someone dropped the ball there! I have all my documentation, voice messages from the owner XXXX, still I have not gotten a full reimbursement almost a year later!
Looking over my Best Buy credit card I noticed a fee for Debt Protection and they charged me just over {$23.00} for it. Wondered if it was a one time fee and it has been coming out every month for years. around XXXX if the amount stayed the same. I called and cancelled this but I have never nor would I ever sign up for this. I am an insurance agent and I understand the cost of insurance and this is very expensive stuff. They ca n't seem to supply me with my signature or authorization to start this. They just added it without my knowledge. Operator said it had been since 2011. Now I understand that I should look more closely at the statement but I figured the interest was just high and make online payments every month. If I had ever seen it I would have cancelled it. I never take free XXXX things because it is too hard to remember to take them off. 

XXXX XXXX
XXXX XXXX Bank of America # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/16 with Bank of America. XXXX of the homeowners is XXXX XXXX military. It was only sent to the XXXX department towards the end of XXXX. WHY? Why did Bank of America wait so long to place this loan in the correct department? 

In addition, Bank of America has told us that they will foreclose on an XXXX XXXX service member XXXX. They claimed they could not postpone the foreclosure sale date without a short sale approval. I spoke again with XXXX XXXX today, told him that this is an XXXX XXXX service member and it would be an SCRA violation to foreclose on this property. He said he could do nothing except tell the negotiator assigned, XXXX XXXX. 

Since when is a lender allowed to foreclose on an XXXX XXXX service member XXXX?? 

Thirdly, we are not able to contact the negotiator directly. The information given in equator is invalid, and we have no way of reaching them by phone.
I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR
Citibank sent me an invitation to open a citigold checking account in return for an award of XXXX frequent flyer miles. The requirement is that : 1 ) I spend over {$1000.00} using the debit card ; 2 ) I use bill pay over 2 consecutive months. The award should be completed within 2/3 months after i complete my required actions. The account has been active for 6 months now, I have done all my required purchases, yet no award. In the meantime I am paying a fee every month because I do not maintain a minimum {$50000.00} balance. I agree to the fee, but I did not anticipate that the bank would take so long to give me my award. When I called in to enquire, the customer service agents refused to give me the details of the promotion and instead told me I have to make more purchases. I believe that citibank is fraudulent in that it falsely promises to award the XXXX frequent flyer miles upon my completion of the requirements and prolong the process to collect more fees from me.