WillisBack/dataset-financial-user-claim huggingface dataset:
Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector.
My name is XXXX XXXX. I attended University XXXX XXXX and XXXX XXXX University Online classes XXXX. I graduated XXXX XXXX. If I could go back in time and reconsider I would NOT attend college. For XXXX reasons, the debt that I am left with now is IMPOSSIBLE to pay back in full before I die and the second is that education is NOT recognized in the workforce and it 's useless. I have NOT landed a job to utilize my degree credentials since I 've graduated 6 years ago. 
I divorced in XXXX and the loans I took out prior to that were based on my ex-husbands income and now I struggle as a single mom of XXXX kids trying to stay afloat in our expensive economy. I have done forbearance that just got me more interest and higher amounts owed. I then went to repayment by income, I make my small payments as required but I can NOT buy a home so that my payments are smaller than renting. My total debt to income ratio is too high and causes me to have a lower credit score. This student debt is consuming my every chance in life to succeed as a mother and a working citizen. 
I am just asking for some help. Student loans are NOT feasible for anyone 's future. I have to say if I could give back my degrees in exchange for my debt relief I would in a heartbeat. I want to ask a couple of questions, if someone is unable to pay back their student loans and go into forbearance or loan deferment status 's, why on earth would they be charged additional fees on top of what they are currently unable to pay? Loan establishments are greedy and nobody truly cares about our country success! This is a manipulative vicious cycle that sets us up those who are actually trying to make a difference in our own lives as well as others for complete FAILURE. 
NOW, I am against college or furthering knowledge beyond high school with this as my own personal experience from trying to do the right thing in life and show my kids the importance of higher education. I have to have XXXX jobs just to make ends meet providing a life for me and my kids barely making XXXX a year. 
Is there anything I qualify for that I am not aware of to get some assistance in student loan debt relief? I am at the last point here, I do n't want to struggle any longer I 'm not asking to be rich, I am asking for any help in eliminating some or all of my student debt if at all possible. Like I said before I 'll give back my degrees as they are no longer of importance to me. 
Also student loans are confusing, I believe I have both federal and private loans totally over {$64000.00} only to walk away with an XXXX and XXXX that are not acknowledged for me to get a job. I 'd appreciate any correspondence regarding my issues and pray to XXXX that I 'm taking seriously and receive some sort of assistance in digging out of underneath this impossible student debt.
I graduated from XXXX XXXX in Tennessee in 2010. I messed up my grades and lost some scholarships but continued my degree, financing with student loans, federal and private. After graduating, I discovered that they had been sold across the country and I was ineligible to consolidate them as my " income did n't meet criteria. '' I began to pay on the student loans and have had several slight issues that were easily and readily remedied. Then, XXXX of my loan companies, XXXX XXXX, sold all of my loan portfolio that was with them to Navient. My parents, in an attempt to help me pay down my student loans had agreed to pay off my highest interest loan ( a loan with 14.25 % interest, compounded daily ). They made an initial payment to make certain that it would be processed properly, of {$500.00}, on said loan. That payment ( plus my payment for the month ), processed properly and was applied towards the loan which they determined, the XXXX with 14.25 % interest. Here 's where things took a turn for the worse. They made another payment of {$8500.00} towards that same loan, making certain to notate that they wished it to go towards the loan at 14.25 % interest. According to their website, it showed that I now owed something near {$400.00} remaining on that loan. I continued to check their website, to verify that it would stay processed properly for almost a week. The first day I did n't check is when that payment ( the second, {$8500.00} payment ) got reallocated towards all of the loans in my portfolio, according to some matrix that no one can explain to me. I did n't catch this until I logged in in XXXX to make a payment. I noted the difference and was on the phone with Navient within the week asking them to reapply the {$8500.00} payment solely to the loan with 14.25 %. Easily done, they assured me, and told me to check back within the week. I checked back, and sure enough, they had reapplied the {$8500.00} payment towards the 14.25 % loan, but now they had taken away the {$500.00} payment and reprocessed it towards all my loans, and the loan, which, when initial payments were made, showed less than {$500.00} left on the principal, now showed over {$1000.00}. Since then, I have talked to numerous associates at Navient and tried to explain the situation to them, and a variety of assurances and civility have been shown me, but nothing has changed in the standing of that loan for all the talking that I do with Navient. They have had my loans for 3 months, and they have been messed up for 3 months. My parents are trying to get a payoff quote to pay off the remaining balance, but it should n't be over {$1000.00}, it should be closer to {$500.00}. I have been put on hold for over an hour before they 've hung up on me and I 've been asked to call back and I 've been told that the " line to the department who reapplies loans is down '' for Navient, and all of these have led this issue to continue, and I 've been told that it continues to accrue interest, compounded DAILY, while this issue continues to go unresolved.
I have made many attempts to dispute the XXXX  account that is reporting on my Equifax profile. This account does not belong me. I have submitted an FTC form to Equifax and Creditor and this account has not be removed. Please assist me in getting this matter resolved.
they are trying to collect a debt older then 2 years which is outside the statue of limitations without ever sending anything verifying any debt owed or any correspondence at all
Registered for classes with XXXX XXXX University last spring then decided to go with XXXX  XXXX. Several months went by then I received a letter that my account went into default reminding me that I had registered for classes but never started any work in them. It was my understanding that if no work was done the first two weeks I would be automatically dropped. That did not happen and now the school wants their money and sent my account to Heartland XXXX for collection. I can not dispute this with the school now.
I'm writing mainly to let CFPB know how blatantly and maliciously Wells Fargo lied to CFPB in their response to my complaint # XXXX. 

I had not really paid attention to Wells Fargo 's late response as so many other things involving them were going on but it lied by reporting : 1. That I had no legal appeal rights when it knew that my appeal had been pending over a year and a half when it wrote what it did. Having forced me into probate court, I appealed immediately after it did not honor it's promise that it would proceed with modification and assumption after it received testamentary letters. The Tennessee Court of appeals found that my husband 's will was valid on XX/XX/XXXX. 

2. It knowing lied that there had been a public administrator appointed to the probate matter it forced me into after I withdrew as administrator. It had the direct denial of being the administrator from the lawyer it claimed was the administrator long before it stated that untruth in response to my complaint. 

3. It intentionally mislead by not revealing that it was responsible for me being in the probate court in the first place under the treat of not lifting a pending foreclosure sale and providing another HAMP application. 

4. It also denied the rights under state law regarding the vesting of real property ownership. It too did not say in its response that I was the record owner of the property in both my county and city records by virtue of Tennessee law when it coerced me to probate my husband 's will knowing that I did not have the funds to waste on lawyers and there were no assets other than my home from which to satisfy the statutory fees allowed in the probate process and are unavoidable because an individual can not represent the estate that is created upon filing the will. 

5. Wells Fargo did not disclose that I was 10 months into a TPP plan when it responded which less than a month after its responded to the CFPB claimed that my husband 's mortgage was not assumable providing no explanation why. 

I'm sure I not the only one but I am one who has navigated through Wells Fargo 's antics and deceit and am still in my home and now in federal court. By the way, my husband died XX/XX/XXXX which represents the time I've tried to assume the mortgage on my home.
On XX/XX/XXXX, we sent a written request to remove PMI from mortgage XXXX. This conventional loan is serviced by Dovenmuehle Mortgage , INC . In our letter, we specifically requested that the seasoning period be waived due to the extensive and substantial improvements we have made to the property in accordance with the written policy provided by their company for this procedure. The improvements were listed in the letter requesting removal of PMI and were verified during the property inspection by the Inspector who conducted the appraisal. 

On XX/XX/XXXX, the appraiser, paid for by us and selected by the mortgage holder, went through our home for hours, taking pictures of all rooms and all angles of the inside and the outside of the house. The new appraised valued our home at {$530000.00}. Dovenmuehle Mortgage has a copy of this document as they forwarded it to us. The appraised value at the time of purchase in XX/XX/XXXX was {$400000.00} and the original purchase price was {$380000.00}. The payoff balance is about {$360000.00}. 

On XX/XX/XXXX, the mortgage holder declined the removal of the PMI based on LTV ratio using the original appraised value of the home ( {$380000.00} ), not the most recent appraised value ( {$530000.00} ). We feel that this was an error on their part. Current LTV ratio of our home using the new appraised value is under 70 %. According to their own policy, they should have dropped the PMI at that time. 

We spoke by telephone with a representative of their company on three separate occasion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this matter, and each time we were assured that they were aware of the new, assessed value of the home and that there was a clerical error on their part that prevented the correct decision from being made. We were also told that a representative of their company would file an appeal on our behalf, since the error was admittedly theirs. They also told me on each occasion that we would receive a written response from them in 10 days. The last deadline was XX/XX/XXXX. That date has long passed with no information, no contact and no response from the mortgage holder. 

We sent a written request to appeal their decision via certified mail 10 days ago but have not had any response to that request either. We also requested reimbursement for all PMI money we have paid to you since XX/XX/XXXX. We are unable to contact this company by email and they do not have a direct dial phone number that we can find. All correspondence must be via USPS, which only adds delay to an already cumbersome process. 

I have copies of all letters that have been sent to them, a copy of the new appraisal and the written policy that they sent me detailing the PMI removal process. I also have a written letter from them ( the only written correspondence we have from them ) with the incorrect appraisal amount listed as the reason for denial. I can supply all of these on request.
XXXX   XXXX   XXXX   XXXX  owns a lot in  XXXX  on  XXXX   XXXX  and attempted to sell his lot using our office  XXXX   XXXX   XXXX . We opened title at  XXXX   XXXX  in  XXXX  and the title commitment came back yesterday showing a Lien on the vacant land from  XXXX   XXXX    XXXX    which has been bought out by  XXXX   XXXX    XXXX   or   XXXX   XXXX   XXXX   XXXX    ( u nknown at this time ). We have tried to contact  XXXX   XXXX   XXXX  however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed.     My client paid cash for his lot in  XXXX  of  XXXX  and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in  XXXX  of  XXXX .  XXXX   XXXX  is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the   XXXX   XXXX   XXXX   sign a release of lien so my client can close on his vacant lot.      XXXX   XXXX   XXXX   Complainant 1   XXXX   XXXX   Complainant 2   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , Texas  XXXX   XXXX
I contacted Ditech 's preservation department on or around XXXX/XXXX/2015 after I had been informed that Ditech had sent someone to my property to cut my grass. The company they retained- XXXX XXXX XXXX retained another smaller contractor who completely destroyed both sides of my gate along with the pad lock that was securing the property. They knocked the fence off the posting on both sides of my gate. By the way, the backyard is fenced and locked so I 'm not sure why they felt the need to break thru the gate to cut the back yard, which can not be seen! I contacted XXXX XXXX XXXX and they claimed Ditech 's preservation department authorized them to cut the lock and to gain access to the back yard. I had been corresponding with Ditech 's XXXX XXXX in the property preservation department to work on a resolution but my emails are now going unanswered. Due to their unscrupulous actions, my home has been unsecured since the company they hired trespassed on private property and destroyed my fence, gate and locking mechanism. To make matters worse, they have been and are now charging me corporate advance fees for the lawn maintenance and now fence repairs for a gate their contractor broker! I must tell you I have pictures where no repairs have taken place. Additionally, I asked on XXXX/XXXX/2015 that they issue a cease and desist order to all vendors from entering upon my property, but they are still authorizing vendors to perform work at my property. When I initially inquired about the " XXXX XXXX XXXX '' appearing on my statement, I was told that this was part of my escrow shortage. When I inquired on another occasion, no one knew what the fees being charged were but would send me a statement, which I never received. I recently spoke to a SPOC with Ditech, XXXX XXXX on XXXX/XXXX/2015 and he did n't know what the fees were for either but promised to find out why these fees are now in excess of {$1300.00} on my account. I must tell you that we are being forced to pay them in addition to the regular monthly payment. Our payment was refused if we did not pay toward the corporate balance. I am appalled at how my loan is being serviced and fear that other consumers are being taken advantage of. I never had these problems until my loan servicing was switched from XXXX Mortgage to Ditech. Please help!
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 XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis 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. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I have sent 2 letters in the past 60 days asking for validation, that is competent evidence bearing my signature, showing that I have a contractual obligation with Coast to Coast Financial. This is violation of the FDCPA 807 [ 15 USC 1962e ], I did not receive proper validation within thirty days of my first letter which was received by Coast To Coast Financial on XXXX/XXXX/2016. I am requesting they remove my item from my credit report immediately.
The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX v. XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
I accessed my credit report and found a mortgage loan that I have been included as a Co-buyer. Loan was obtained by a family member who used my identity without my consent. Account is reported as a repossession on my credit report. Account is not my responsiblity
On XXXX I went in to work and was told that a man named XXXX had been repeatedly calling and asking for me. My co workers stated they would tell him that I was off, and he would call back an hour later. He called several times a day over the course of 2 days that I was off. He called around XXXX pm, and I answered the phone. He told me was with XXXX XXXX and he was trying to collect a debt. I asked him to not call me at work, and he stated he was unable to get a hold of me on my personal phone, and he was left with no option. I told him I would call him after I got off work, asked for his phone number. I then hung up. He immediatley called back to my work, and said if I take care of this today the calls would stop. I am steady asking him not to call my work. He continued to say he would call as often as necessary to get this debt taken care of. I literally begged him to leave me alone, I said I can not do this at my job. I agreed to the terms he requested for repayment and said I will call after I get off to set this up. I told him I do not have my bank account information with me. He said that he would not get off the phone until he had set up payment arrangements. He then started to read my credit report to me, and asked what my employer would think about it. At this point I am XXXX, and said you are going to make me XXXX XXXX XXXX. He responded, that 's not necessary, just take care of this and the calls will stop. I did not have my banking information to set this up, and I could not hang up or he would call right back. All of my co workers and boss were looking at me, I just stopped talking. He eventually hung up on me, and did not call back that day. He had me on the phone at my work for over 30 minutes. I can not lose my job, and I am terrified the calls will start again Monday.