WillisBack/dataset-financial-user-claim huggingface dataset:
As I graduated from the University XXXX XXXX in XX/XX/XXXX as a single mom my student loans became due. At various points throughout my repayment plan I needed an income based reduced payment plan. Navient NEVER offered me anything other than forbearance or deferment plans with accumulating interest. I could not afford full payment so I had no option. When I requested Navient review of my loans due to being a single mother working full time in the XXXX XXXX XXXX field as well as living in Section 8 housing and still not able to consistently pay the full amount of my monthly payments due to the non-negotiable 8 % interest rate I was told by Sallie Mae and then Navient that I didn't qualify because I had no property with which to secure the loan. 
My student loans, due to interest from these periods have now more than doubled to over {$100000.00}. In XX/XX/XXXX when I heard about the option for income based repayment with Navient due to their illegal practices prior, I immediately applied and was approved. 
THE PROBLEM Due to all of the accumulative interest, my now " income based '' payments don't even cover the ongoing accumulative interest on the principle plus interest balance of over {$100000.00}.
Received letter out of the blue. Years ago, advise not to pa y one cen t. Now, at least 20 years later, a letter. Need advise Thank you
i applied on XX/XX/XXXX18 for a payday loan with XXXX of ohio. i was approved for XXXX dollars but later the same day i returned the money and cancelled the loan because i changed my mind i signed paperwork stating the loan was cancelled. i returned today XX/XX/XXXX18 to receive a new loan because i wanted to pay off the new loan on XX/XX/XXXX2018 and the old loan would not let me go out that far. when i went in to the store i was told that i didn't need to reapply because they still had my information from last week. all i had to do was provide a new copy of my bank statement with the last 30 days of activity on it which i did. the woman then states i was declined this time because they have just changed their underwriting process. i had no idea that they would pull another credit report from a agency called XXXX XXXX. i did not sign or give consent to have any credit report pulled today but they did it anyway. the woman in the store said nothing to me about this. i was given an adverse action letter but when i called the number it was XXXX corporate office and they would tell me nothing but i spoke to the district manager and was told they used my original application to run my credit again. i spoke to her on the phone last week and she stated all i had to do was provide a new bank statement. i believe that this company has violated the fair credit act because they ran my credit today without my consent they also threatened to misuse my personal information if i kept calling them to find out why i was declined .. this company is shady at best and i believe they misuse personal information and XXXX XXXX purchases this information from them to use improperly
I have been working with Roundpoint to complete a loan mod due to an increase of over 300.00 due to an escrow analysis that took place less than a year after my loan was originated. Since I started with the loan mod process, I continue to be advise that once certain documents are received it will move to the approval process. However, there are always additional documents requested which were not advised when I previously spoke with the associate who advised what documents are needed. It takes then 4 days to review documents faxed in and then take them another 4 to 5 days to review the file just to inform you that more documents are needed. One one occasion, I actually emailed the documents to a represented, who stated that she did not receive the documents. I have attempted to do my part to decrease my escrow shortage by finding a lower insurance premium and filing homestead. I was advised by a representative XXXX not to request an additional escrow analysis at this point being that the loan mod will revaluate by escrow. 
In XX/XX/XXXX, I spoke with XXXX ( SPC ) and he advised that if I could continue to make 1 payment a month while in the Loan Mod process then my loan will not be placed in Foreclosure and I have continue to do that monthly even though it has been difficult. On XX/XX/XXXX, I  called to schedule a monthly payment and the associate advised that they can not accept less than 2 payment as my loan is 3 month behind. I told her that I could not afford 2 payments. She stated that due to a new process that she could not accept more than 2 payments. I advised if this was a investor guideline and needed  further information as I felt that Roundpoint was not trying to work with me an was trying to make my house away from me and my family. She agreed to take one payment. I called back today XX/XX/XXXX and spoke with my SPC XXXX to find out further details about this new process. He told me that the payment will probably not be accepted since I have the hold on my account and that the associate should not have taken the payment. He could not provide an details on it other then telling me that 1 payment really wasn't resolving anything and was just a circle that I was required to make two payments to decrease the default on the loan. I was totally devastated by his comment. I asked to speak with a manager to understand this " new policy ''. The manager refused to take my call as he was busy on another call. XXXX informed me that the manager advised since my loan was transferring to XXXX on XX/XX/XXXX, they may take my payment. A mortgage payment that will not make a payment and my loan is not in foreclosure? I have never heard of this type of procedure and no one can provide the details associated with it. 
Roundpoint has done nothing to help me but continues to make things difficult. 
Lastly, I had a loss draft claim in the beginning of XX/XX/XXXX. The work has been completed and I have called on two different occasions to have an inspection completed along with sending a letter to have someone call me and nothing has happened. In the interim, I continue to get threatening letters that I must have an inspection completed.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
I am listed as a potential victim of Equifax 's security breach which was reported yesterday, along with 209,000 other Americans. This breach, and Equifax 's response, are unacceptable. They did not even notify potential victims until several months after the breach occurred, and I did n't even know that I was at risk since I had never used Equifax 's services before. Their handling of user data and negligent security practices have destroyed any confidence I had for them.
On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$0.00} was removed from my BankAmericard Cash Rewards Signature Visa card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : Visa and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX and again on XX/XX/XXXX. 
I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred seven times in the last eight months. 
Per a recent letter dated XXXX XXXX, XXXX form Bank Of America, signed by XXXX XXXX, Bank of America is diligently working to resolve the issue and is unable to provide a date on which the matter is to be resolved. The meaning of the word diligently, " showing persistent and hard-working effort in doing something ''. This same issue have happened for the last 7 months. Please resolve this ongoing issue so I can use my Bank of America Cash Rewards Signature Visa card account knowing I can trust Bank of America to process by account in an error free environment. In your recent reply you indicated the problem exist because I continue to remit payments to the account although there is no balance owed and/or a credit balance exists on the account. If you diligently resolve the system error that is causing this small balance adjustment the matter would be resolved.
My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.
In XXXX of 2014 XXXX XXXX XXXX sent a return label to me after I canceled services due to moving out of their area of service in order to return the XXXX ' television receiver boxes to them. I took this label to the XXXX nearest my home and sent the boxes back to them. It was about 6 months later and I received a collection notice from a third party agency stating that I did not return the boxes and they are collecting the debt. I did not have the confirmation receipt when I gave them to XXXX in order to prove the return, because it was several months later and I did not know that I would need to have kept it. XXXX XXXX XXXX can look up the labels they printed me and research the boxes that I shipped back, but I only got the run around when I called in order for them to help correct this issue. It is now on my credit as an outstanding collection of {$350.00} from an agency called Franklin Collection SV. This has been transferred several times to different collection agencies after I have called each time to dispute it. They just transfer it to someone else rather then help get it proven and removed. Please help me get to the bottom of this. Thank you!
XXXX XXXX shows on these date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
To whom this may concern, This is a follow-up to my previous letter sent to TransUnion on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours, XXXX XXXX XXXX
Southwest Recovery located at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX phone, XXXX. Has bought an account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and they are saying that I now owe {$1100.00} to the collection agency. This account was paid in full on XX/XX/XXXX in the amount of {$1000.00} and I have my debt settlement letter from XXXX XXXX XXXX as well as receipts showing the debt is paid. Southwest recovery is reporting inaccurate information. I have disputed the debt with the credit bureaus and XXXX is reporting the debt as accurate as of XX/XX/XXXX.
A representative from National Credit Systems called my cell phone and did not leave a message. A few moments later, I received a call from my office ( different department ) saying that I had a call. Once the call was transferred, a lady on the other end asked to speak with me. At this point, I have never allowed any debt to contact my job, this is a very embarrassing issue. So I ask what the call is regarding and she says her name I believe, but I was unable to hear her. Then I politely asked her/him to repeat and then she gets a major attitude. She says that her name was XXXX with national Credit Systems and that she was collecting a debt. At this point, because she was being so disrespectful, I wanted to know an address to mail in a complaint. I will not allow anyone to treat me as she did. Then she would not give that information, she was able to say that she will continue to contact me on my job. I told them, on a recorded line, that they are not to contact me at my cell or my job. I will allow them to send me an email, but thats the extent of the communication I will allow. I called back and spoke with another woman, she was able to get me the address to file the complaint. I then asked to speak with a supervisor, who was calm at first, then rude. I asked her full name so that I could include it in this report and she would not give me that information. She only told me her name was XXXX XXXX in XXXX, XXXX. I know my rights as a consumer : " XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title. 
( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. '' - Fair Debt Collection Practices Act ( FDCPA ) I believe this situation falls within the category of harassment. Their phone number was XXXX. They called for the very first time, XXXX/XXXX/2016 @ XXXX ; XXXX , XXXX . I would like to allow you all the opportunity of looking into this matter. I do not know what the debt is regarding, or if its even mine. I will not speak with them again until I speak with someone via mail that has sense. Thank you for your time. 

XXXX XXXX
Reaging {$210.00} XXXX XXXX Cell phone bill. Phone # XXXX. Contract XX/XX/XXXX. XXXX XXXX. Supposed to be removed XX/XX/XXXX. XXXX attempted to collect then sent to XXXX XXXX to collect. Have received collection notices after XX/XX/XXXX. Pinnacle has the debt now. Stated I opened account XX/XX/XXXX when I had current phone number XXXX and was with XXXX XXXX. Now for the past 2 years I am with XXXX with same number. I have requested verification/validation from Pinnacle through fax from XXXX XXXX with transmission verification. A week later I sent them the same documentation via Certified Mail by USPS. I received nothing. I have sent them old credit reports showing reflecting the XXXX debt and when it was supposed to drop off in XX/XX/XXXX, along with other collection notices showing the old phone number as an account number. The XXXX CRA 's have been contacted via certified mail reflecting my dispute request 3 times, and for the lack of verification/validation by Pinnacle. Their response is that the debt is mine. I have had XXXX once! I still have the phone. Its a analog phone. Not a smart phone as we have 15 years later. I have been trying to clear up my credit since XXXX XXXX. Under section 605 this outdated info should be noncollectable or be allowed on my credit report without physical creditor documentation from XXXX XXXX which I have been requesting but refused.
XXXX XXXX XXXX filed bankruptcy, one of the reasons was due to illegal practices involving student loans. Words like " Predatory '' and " Deceitful '' practices were being used to get students signed up for loans. 
I want to know why I am still required to pay, 11 years later, on a debt that was procured in this manner? Why has the debt not been forgiven? Aren't I just paying into something that was deemed illegal at this point? 
What are my options to get this debt erased and possibly defrauded monies refunded to me that I have paid over the past 11 years?
I have paid my student loans on-time, every month and have started making excess payments each month with plans to make several lump sum payments this year. I contacted Great Lakes to better understand how my payments are being applied since I make excess payments larger than the amount being applied to my principal balance. It turns out they are not applying my extra payments to the principal, which is compete scam!! Instead, they apply any extra payments to the following month 's payment, never reducing my principal balance. 

I have emailed them several times to request the payments be applied to principal only to receive the same script of how to apply payments to certain loans ( not the principal ). In addition, I have requested a spreadsheet of hypothetical scenario of me making a lump sum payment, so I could determine my options and they still have not provided this example, only the same repetitive script. 

Great Lakes does n't make it very clear how the excess payments are being applied. If the extra payments are not applied to the principal, it does n't make sense to pay extra on student loans until you save enough to pay in full since your principal is not reduced and you could be earning 1 % interest or 5-8 % return elsewhere. 

This practice should be illegal -- -
On XX/XX/XXXX you showed with action in a court of law that no international, federal, and state laws governs you with action in court and the laws are there just to serve your corporation or other corporations like yours so thank you. 
And you can tell me why this notary law from virginia doesn't matter ever? 
Section 47.1-15 : Prohibitions A notary shall not : 1. Notarize a document if the signer is not in the presence of the notary at the time of notarization, unless ( i ) in the case of an electronic notarization, satisfactory evidence of the identity of the signer is established in accordance with 47.1-2 or ( ii ) otherwise authorized by law to do so.

2. Use the official notary title or seal to endorse, promote, denounce, or oppose any product, service, contest, candidate, or other offering.

3. Notarize a signature on a document without notarial certificate wording on the same page as the signature unless the notarial certificate includes the name of each person whose signature is being notarized. 
4. Affix an official signature or seal on a notarial certificate that is incomplete. 
A notary shall not perform any official act with the intent to deceive or defraud. 
A nonattorney notary shall not assist another person in drafting, completing, selecting, or understanding a document or transaction requiring a notarial act. This section does not preclude a notary who is duly qualified, trained, or experienced in a particular industry or professional field from selecting, drafting, completing, or advising on a document or certificate related to a matter within that industry or field or prevent a notary from adding a notarial certificate or electronic notarial certificate to a paper or electronic document at the direction of a principal or lawful authority. 
A notary may decline to notarize a document. 
Any document notarized prior to XX/XX/XXXX, which does not have the notarial certificate wording on the same page as the signature, but otherwise appears on its face to be properly notarized, shall be deemed validly notarized.
I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with Kay/Sterling Jewellers and eventually went into collections with  XXXX   XXXX   XXXX . in  XXXX   2016  and is now an active wage garnishment since around that same time.
In XX/XX/XXXX, I purchased a home in XXXX, AZ while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XX/XX/XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XX/XX/XXXX. Since XX/XX/XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. On each occasion, particularly after the short sale was denied, the servicing mortgage company sold ( XXXX transferred ) my mortgage to I presume the highest bidder. This is evident now as I submit my second complaint because, yes, my mortgage has been sold ( aka transferred ) yet again to Shellpoint Mortgage Servicing. And now, XXXX ( XXXX ) years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XX/XX/XXXX.