WillisBack/dataset-financial-user-claim huggingface dataset:
I have been enrolled in the XXXX XXXX XXXX XXXX for loan repayment. I am nearing the end of my 2 year commitment. I am required to verify that the entire XXXX dollars provided to me was put on my non-cosigned signature loans. I reviewed my account and found that I was approximately XXXX dollars short. So I contacted navient, gave the the loan number that the money needed to go on and requested a receipt verifying that this was done. The check was a bank check and my bank also printed the loan on number on the check. I did not receive a receipt so I checked my account and found that Navient had spread the funds over several accounts. If I can not verify that all of the XXXX dollars went to the XXXX listed loans, I can be fined over double of the amount given. ( over XXXX dollars.
Once again bank of America has today allowed a transaction from a company that I have never had any dealings with. After being on hold for 35min going from person to person I was told that the dept I needed was closed and to call back. I am furious that they have again charged my account this amount of XXXX. They have not contacted me by phone or mail or email to give me the results of the supposedly investigation. I am sufferring mentally and physically due to the bank ASSUMING that I owe these people. I WANT MY MONEY BACK IN MY ACCT. I have done nothing wrong and I am NOW seeking an attorney because I can't work or sleep and I am extremely stressed and this is causing me health issues. I need this tp be fixed.
Company will not provide proof of debt. Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit on that date. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond. 

They responded to my first complaint saying they had no clue who i am and at the same time responding to a BBB complaint that they know who i am and they just have n't received the letters. A lot of deceptive practices from this company. 

( We have located an account in our system that matches by her name and phone number on her complaint. From the BBB ) I  have sent letter to these addresses listed on your website and my credit report Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Operations Center XXXX XXXX XXXX XXXX XXXX, TN XXXX I am even going to provide the account number listed on my credit report
On Saturday XX/XX/2016 I was promised via email by the Branch Manager of Prime Lending XXXX XXXX of the XXXX that I will be refunded for money spent for the termite inspection, appraisal and home inspection. As of today I have not received a refund but was sent a letter stating every excuse possible and no explanation on why I was told I would be refunded and so far nothing has been done.
I previously filed a complaint in XX/XX/XXXXof this year ( 2018 ) in which RENT RECOVERY SOLUTIONS company responded that they would remove the information from my credit report on XX/XX/XXXXclaim # XXXX Since this response the mentioned company has continued to report the information still refusing to respond or accept certified letters sent to the given address. This has been an inconvience to the process of repairing my credit and ridding it of inaccurate information. To have a company be as unprofessional and inexorable in reporting inaccurate information has been stressful to say the least. The obstinate business practices I've endured from RENT RECOVERY SOLUTIONS has lead me to file yet another complaint as well as getting a law firm involved at additional cost to me.
The IRS reported my info hacked in XXXX. 
I looked at my credit report on XXXX and saw a collection notice for a XXXX account I never had. I disputed it and it was removed. 
Now I have received a letter and phone calls from this outfit Afni, Inc. of XXXX, IL. Evidently this is the standard operation from the number of complaints I quickly found.
The information that appear on my credit report are not mine. It was an identity theft. I had sent to you the police report. it 's very clear your investigation is not complete, according to the law it should be remove completely.
WAS IN THE PROCESS OF CHECKING MY CREDIT SCORE ON XXXX XXXX XXXX AND REALIZED THERE WAS A DEBT OF {$65.00} I OWED TO A COMPANY CALLED FRANKLIN COLLECTION SERVICE collecting on behalf of XXXX THAT I NEVER WENT TO FOR XXXX XXXX I CALLED THE COMPANY XXXX AND WAS TOLD THAT THEY HAD NO RECORD OF DEBT, THEY GAVE ME A NUMBER TO CALL I CALLED THE NUMBER WAS TOLD I OWED THE MONEY THEN THEY TOLD ME IT CAME FROM AN OLD DOCTORS OFFICE ( XXXX XXXX XXXX IN XXXX NC ) THE CLINIC I HAD NOT BEEN TO IN YEARS SO I CALLED THEM I WAS ON THE PHONE WITH BILLING FOR WELL OVER AN HOUR AND THE BILLING REP ( XXXX ) COULD NOT GIVE ME ANSWERS FOR THE BILL THEN ON TOP OF THAT SHE TOLD ME I HAD SOME OLD BILL THAT WAS WRITTEN OFF AS BAD DEBT BUT I WAS NEVER AWARE OF THIS UNTIL NOW. I STILL HAVE NO ANSWERS TO WHY I HAVE A BILL OWED ON MY CREDIT FOR {$65.00} FROM A COLLECTION AGENCY THE LADY REP FROM FRANKLIN COLLECTION SERVICE JUST SAID TO ME AFTER I TOLD HER I AM UNAWARE OF A BILL AND THE COMPANY XXXX " ILL DOCUMENT IT IS THERE ANYTHING ELSE I CAN HELP YOU WITH " WHAT THAT MEANS I HAVE NO IDEA I AM NOT REALLY COMPLAINING ABOUT THE {$65.00} ALTHOUGH I AM NOT TRYING TO PAY ANY MONEY THAT I DO N'T OWE I AM COMPLAINING THE MOST THAT THEY HAVE PUT IT ON MY CREDIT.
I Purchased a car XXXX/XXXX/XXXX for {$15000.00} under a not " as is '' sale from XXXX XXXX XXXX After XXXX/XXXX/XXXX notice the car had issue windows, radio and other electrical issues not working properly, so I contacted the company I purchased the car from. The store I originally purchased the car was no longer in business so I was informed to go to another store. I went to the new location and met XXXX XXXX the GM, he offered me to trade the car but add the old car balance to the new car balance. I did not agree with it that solution.I tried to trade it in at another location on my own. The salesmen did a car report on the car, only to find the car was in 4 accidents, the battery had previously exploded in this car before I purchased it. So I continued to try numerous times to contact the company for help. This went on for a year or so and eventually the car caught a fire and finally the engine blew.I have been renting cars since XXXX and paying the car note to keep my family a float. I contacted the XXXX and they contacted XXXX XXXX only for them to lie again and try to get away.
I am writing to inform you that Caliber Homes Loans has refused to close on the property located at XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX had agreed to the closing date XX/XX/XXXX, as well as signed the second amendment on XX/XX/XXXX for extend the closing date to or before XX/XX/XXXX also stating it would be {$100.00} per day until closing date. I sign form and forward it back to my realtor, XXXX XXXX. On XX/XX/XXXX I was informed by realtor XXXX XXXX that we would not be closing on the property on XX/XX/XXXX.  The seller ( Caliber Homes Loans ) verbally requested to increase the sell price of the house to two days before closing date and afterward terminated the contract without giving a valid reason.On XX/XX/XXXX, I sign a contract for the property located at XXXX XXXX XXXX XXXX XXXX KY XXXX. We agreed on the listing price of {$170000.00} with the seller agreed to pay {$3500.00} towards closing cost and purchasing a limited home warranty. At that time my earnest money of {$1000.00} was given to the seller and shall have been held in the escrow account of XXXX XXXX and applied to the purchase price upon passing of deed.I was giving only 5 days to complete inspection which was performed on XX/XX/XXXX and the appraisal was completed by XX/XX/XXXX. Caliber Home Loans has refused to close on the property and has relist the property for sale as of XX/XX/XXXX, for {$180.00}. I havent signed a release of contract form. Caliber Home Loans also refused to refund my earnest money of {$100.00}. in which I also paid for the inspection and appraisal that is now a lost to me.Caliber Home Loans refused to close on the property is illegally, unethically, and discriminate. 

I
They started billing me even though I was still in school after I graduated to continue my education. I was under the assumption that I had 6 months after I was done with school to start paying. I have XXXX loans though aes and my second loan is current as of today and I did a annual credit report last week and found out a judgment was made against me even though I wasnt served. My email is XXXXXXXXXXXX and my number is XXXX
Simply put, my student loan payment is growing to such levels that it will soon be larger than my rent payment. I am constantly falling behind in payments due to the sheer size of my monthly payment. As I make one to catch up on last month, I become late on this months, so to speak. These people REFUSE to work out another temporary forbearance as I have already used mine up. But explain to me how having a forbearance, and a job out of college that pays poorly, prepares you to make {$800.00} a month payments? Also after the sub prime mortgage meltdown, I could not find a well paying job for almost two years. I am not trying to avoid paying my loan off, I am trying to avoid not being able to afford marriage, children or buying a house before I am XXXX and already close to retirement. All I want AES to do, is to lower my payment, which is now almost 30 % of my monthly income, soon to be close to 45 %, and/or give me another temporary " hold '' on my loan payments to allow me to catch my breath at least.
I was attending school back in  XX/XX/XXXX - XX/XX/XXXX . On   XX/XX/XXXX ,  I fractured my  XXXX  and I was unable to complete my schooling. I never received a certificate of completion or anything like that. In   XXXX  , I went to see if I could finish the courses that I missed. They told me I could and that they would contact me when they started again. A year passed and I did n't hear from them. So I tracked them down and asked if I could finish the courses that I missed. They told me I would have to pay for the course again. Obviously that was n't an option for me and I 've been paying on the loan ever since. My loan was for {$25000.00}. I 've been paying {$170.00} a month for about 9 years now which is roughly {$20000.00} dollars paid out, which would leave only {$5000.00} to owe. I still owe more than {$12000.00}! I have no idea what those payments are going towards. I only have a 3 % interest rate on the loan. Ideally, I would like my money back, either what I 've paid them, or refund the remaining balance and put a stop to the endless monthly payments. I 've told  Navient a ll of the above information and they told me I could take out another loan to pay them off, which is n't an option. And they were n't even empathetic to my unusual dilemma.
Equifax has billed me for a year subscription at {$170.00} per year. I called on XX/XX/XXXX to tell them I only wanted this last month. I just checked my billing and the charge was still on there. They were suppose to refund me {$160.00} I spoke with them on XX/XX/2017
On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to XXXX XXXX XXXX! I contacted XXXX XXXX about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX  Police dept. XXXX XXXX  has requested several times to Equifax to remove the hard hits from my account, the hard hits are still there.
This account was paid off last year and I was told it would be removed from all three credit report upon payment, but it still shows up on all my reports. The account was updated to show paid.
I am seriously tired of capital one giving me the run around about a dispute with budget.com. I have been given multiple messages, wasted lots of time and more
I have no idea what has happened. This debt showed up on my credit report XX/XX/2017 and I have no idea what it is for or when or why I owe it. Company will not respond to my requests for validation.
XXXX XXXX XX/XX/2018 XXXX, XXXX, and Experian RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXX XXXX XXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports
XX/XX/2017-I was called early in the morning to ask if I wanted to pay my balance to XXXX XXXX XXXX. I told the representative that I was working with the XXXX XXXX company directly and she proceeded to talk loudly and tell me no ma'am that I absolutely cannot do that and I am in collections so I will not be allowed to go through the original creditor to pay my debts. I calmly told her I actually have went through them(original creditor) set up a payment system with them and She continued to argue by which I just wished her a good day and hung up on her. I will not be talked to like a child and called a liar pretty much. It is my money and I will pay my debts to the original creditor not be told I cannot do so. On top of this I am being charged an outrageous amount for a fee through TSI. Also, they have talked to me this way before when I have spoken with them rudely and demanding payment.
Equifax did not take necessary security precautions resulting in my personal data being stolen, including my name, address, SSN and driver 's license number. They did not contact me, I had to learn about it in the news. According to reports, Equifax was aware of the stolen data for a month before making an announcement. Their offer to mitigate by monitoring my credit file falls way short of the problems they have created for me. In return for credit monitoring, they require me to give up my legal right to sue them for the damage they have done with their actions and inaction.
There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( XXXX ) XXXX
Im being forced to pay for a signature loan, that I did not need, did not request for, and did not sign for. I graduated in XX/XX/XXXX. By XX/XX/XXXX started receiving promissory notes about the loan, which at that time was over forty thousand dollars.After the Pell Grant and other grants, my responsibility would be {$9000.00}. I contacted the university, by way of the XXXX XXXX XXXX. The response was evasive, and I was inform that the loan was for a girl name XXXX. I seriously felt that they would clear up the mistake, but they didnt. From XX/XX/XXXX -XX/XX/XXXX received more calls about repayment. By XX/XX/XXXX I was close to 200,000 in debt. At this time they were still Sallie Mae. By XX/XX/XXXXI have filed bankruptcy chapter XXXX. After receiving a bankruptcy discharge, this is when I learned of Navient, when I looked at my credit report, I saw that Sallie Mae, and Dept of ed, and NAVIENT had been included in bankruptcy, my ccredit report also reflected the same information. Also it stated that the loans where no to be collected, sold, or transferred. Yet, as Navient, they transfered six of those account. All came about, due to school misconduct, such as forging signatures and falsifying documents ( source U.S. Supreme Court ) .navient has sense then taken one loan and broke it down into 6 individual loans to purposely damage my credit. {$8300.00}, {$4400.00}, {$8700.00}, {$2200.00}, {$5900.00}, $ XXXX= {$34000.00} ; which they are now saying is close to $ 60k.Navient has failed to resolve the issue.they will not send original information in reference to the accounts, thus who requested it? who signed for it? Not even would they say where they sent the money. I have asked them to remove the balances of my credit due to the bankruptcy discharge, which they honored. But when I go on their web site, it only shows one account. I current have that account on hold due to barrowers defense to repayment due to school misconduct.
I still see the following on my XXXX credit file : XXXX {$4200.00} Account : XXXX It was removed from my XXXX and XXXX file and needs to be removed from my XXXX XXXX
On XX/XX/2018 I received an unsolicited call from a lady with Quicken Loans. While she was on the phone she ran a credit report on me after I told her not to. She also assured me that nothing she was doing would affect my credit report. Later the " Hard Inquiry '' showed up on all three credit bureau reports under " XXXX XXXX XXXX. I contacted XXXX and they told me XXXX   would have to send them a certified letter before they would remove this. I called XXXX and was told it was Quicken Loans problem not XXXX and they would have to remove it. XXXX again told me the letter would have to come from XXXX. I have tried repeatedly to reach someone at Quicken Loans about this and no one seems to have any idea who I need to talk to resolve this. I think this is very unethical that these people can just report this on your credit without some checks and verification. I every company I have ever worked for we had to have a signature on an authorization form before we pulled someones credit. I need this to be removed from all three bureaus as it was not correct.
I have an account with XXXX XXXX XXXX that was supposed to be removed. It was removed from my XXXX and XXXX credit report but not my equifax. And according to equifax it was being removed due to inaccurate information. The file attached shows that it was removed on XX/XX/XXXX but it 's still showing.
To whom  it may  concern, I faxed over a letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to a collection with  XXXX   XXXX  that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was a collection that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be   investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for this collection with   XXXX   XXXX   being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.
I have my loans through Navient. They purchased XXXX and so they have my private loans as well as my federal loans they bought out. The interest rate is so high on my private loans that it will take forever to pay them back, even though I selected the 10 year repayment program. I went XXXX after graduating and so my interest rate shouldve been capped but I am pretty sure they were charging me a higher interest rate even when I was on XXXX XX/XX/XXXX. I was on reserve status for XX/XX/XXXX-XX/XX/XXXX until after I graduated from XXXX school. Once I left XXXX this summer I noticed my private loans shot back up to greater than 13 %. Just seems like robbery. I am in the process of getting them refinanced so that I can get them paid off and not be a slave for the rest of my life. I can get you any documents that you might need. I have never missed a payment but my payments are high and I am paying around {$1000.00} per month just in interest. so majority of my payments are taking off interest. I have never received any contact from them other than email. No one has ever offered to help or offer information on the best course of action for paying off the loan. The interest is so high that it to me is robbery. I have excellent credit and an excellent payment history.
I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called Sallie Mae, and XXXX, and Sallie Mae, and XXXX again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoken to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though Sallie Mae and XXXX have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.
XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also Transunion and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.
I need to know that you are really the company I should be dealing with on this debt. 
I do n't want to make a payment to your firm and then find out that I should have paid a different firm, and be sued by them. 
Please provide me with documentation that your firms ' either owns this debt or have authority to collect it, so that I will know that if I make a payment to you, the payment will be going to the proper company. 
I also need to know how you calculated the balance you say is due. 
Please provide me with an itemized breakdown of what you claim that I owe, identifying and explaining any fees, interest or other charges you 've addedIf you provide competent legal information, we may be able to reach a settlement or a payment arrangement. 
All such agreements need to be in writing, have a beginning and ending date with a clear number of payments to reach a settlement in full without additional interest charges or hidden fees, and you must agree not to resell or reassign the subject debt unless I default. 
This agreement needs to be signed by a person in your firm with the appropriate authority. 
I wo n't allow EFT withdrawals, or access to or from my accounts, all monies sent would be certified checks, or money orders. You do not have validation of me, I suggest you delete the Derogatory remarks from all CRA at XXXX. You do not have a contract with me. 
They purchased my personal information, without my authorization. It is being reported on all XXXX CRA reports as a charge off paid in full. The information is damaging. It is report as XXXX XXXX account number XXXX high XXXX