WillisBack/dataset-financial-user-claim huggingface dataset:
These choices weren't really up my alley on what I'm seeking help or information for, I'm going to paste the email I sent to dept of education bowworers defense. I haven't got an answer or reply from them so I'm reaching out to multiple people to see what my options are. 
" I actually have 2 different reasons i could possibly get borrowers defense for, just need some insight and a point in the right direction. 

the school i was attending closed, the problem is that its past the 120 day mark. I was a straight A student ( still have all deans highest honors certificates ) for the almost 2 years there. It was going to take me longer than 2 because i worked full time and went to school part time. While enrolled in school i was going to become a first time father real soon. I explained to everyone of my teachers the situation ( working full time and a father ) and not only told but asked them about taking some time off school and coming back when i got situated. not only did i get the approval i would get check up phone calls and emails on how i was doing and coming back. I had every intention of finishing my degree especially knowing i didnt have much left at all, then i found out on XXXX that it closed for good. 
my federal loans are through navient ( lawsuit against how navient handled loans ) while i was off my loans got put into deferment, i don't know much on how they ended up in default and with navient, i wasn't aware of the massive interest deferment would build up, i didn't learn about this until i tried to purchase a home for my family. My credit score had got completely destroyed, after getting a hold of navient, having my taxes taken twice, i was able to get an income driven plan set up, took a lot of money and time to get them in good standings, they gave me 2 years worth of deferment not knowing the interest penalty i would end up with ( used some here and there during tough times before i just learned what they are accused of ). and with the little bit of money I make and supporting a family without my degree i accumulate way more interest than i can even afford as a payment, it just went up over {$1000.00} on my credit last week. ''
I was a student for XXXX XXXX XXXX in XXXX, MO and was led to believe that I would have employment assistance and a great salary upon completion. What I graduated with was XXXX in student loans XXXX half of which are federal ) and a " degree '' that no employer finds useful. Now I have ballooning student loans that keep me up at night because I 'm unable to make the payments. I have tried to contact Navient and am informed that there are no payment soutions for me under {$810.00} a month. Thats an obscene amount of money.
Found an unresolved account on credit report. Called Southern Oregon Credit Services to resolve account in full. Receptionist asked for billing address and transferd call, collection representative began call with no information confirmation. I requested rep verify my personal info to make sure correct account info was being taken. Rep was short and unprofessional, asking me if " I was always this rude on the phone ''. I paid the debt in full, and requested receipt. I requested and email receipt and an email, both options the rep offered. Rep became upset stating I could have one receipt or the other, not both. The representative continued to speak in a demeaning and rude manner. I requested to speak to a supervisor. A supervisor came on the line and again, I was disregarded and treated rude.
I was given a student loan by XXXX XXXX. The school was a XXXX part institution. I completed the first session, but I never returned for the second session and never signed for the XXXX promissory note. Since, I was paying on the loan and had already disputed payment of the second loan. XXXX XXXX removed the second loan initially, but the school went out of business and changed their name. The new named school sought after me for payment of the second loan. I have disputed this issue time and time again to no avail. I have since started a debt forgiveness program with one of their creditors but I really feel like I do n't owe as much as they 're asking. They had me to contact the original lender which turned out to be a circle of phone calls to automated systems that landed me right back to the collection agency. I admit to owing the first loan and have been making payments for years. I need help with what I really owe and how to go about finding out how much that actually is. I asked the collection agency and they could only produce one promissory note, but told me that the loans were consolidated and that they could not seperate them. What can I do?
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
This is a DEMAND FOR VALIDATION OF DEBT to US Bank, As Trustee, Successor in Interest to XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Acct # XXXX / XXXX To Whom It May Concern : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

We have received correspondence indicating that U.S. Bank National Association, as Trustee, Successor in interest to XXXX XXXX, XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX is the Noteholder for the above referenced mortgage account. 

This request for information is submitted pursuant to Regulation X 1024.36 under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( s ). 

Please provide a validation for the above referenced account # XXXX including amount owed, principal, fees and interest payments made since the inception. To wit, this is a request for a complete, correct and exact copy of the loan transactional history. This is also a request for deal side transactional history. 

Thank you for your cooperation.
PURCHASE VEHICLE CAR SALE MAN DIDNT TELL ME HE WAS RUNNING CREDIT TO DIFFERENT AUTO LOAN FINANCE COMPANY
In XXXX of XXXX, XXXX XXXX XXXX Filed a Power of Attorney for me with Comenity Bank for my XXXX account. I had additional accounts with Comenity Bank, which included : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX applied the XXXX to all accounts and refused to accept my payments to them. After months of going around in circles, I finally realized what had happened. XXXX wrote a revocation of the XXXX for the remaining accounts and sent it to Comenity. I also sent a written request with Comenity requesting that they do the same. Comenity refused to honor my request and then sent matter to XXXX XXXX XXXX. Comenity is inaccurately reporting to all XXXX bureaus. They are reporting me as having revolving accounts and also sent to collections for the XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They can not report me both ways. It is illegal and killing my credit. This is not right
Unknown company, unknown debt. They claim I owe them through another company. I don't have a signed contract with this company, They have no authorization to run my credit. Never received any proof of a signed contract between me and this company
My husband deposited checks for me at Key bank in XXXX NY using the drive thru teller. The checks never appeared on my statements and they just disappeared. I called Key bank at the location and they were not helpful and told me to call online. when i called online they told me to go to the branch. XXXX of the checks were from NY state and I had the stubs so I ordered copies of the front and back. They were drawn from a Key Bank account on XXXX/XXXX/2014. I cant seem to get anywhere with Key bank online or at the branch. I just tried to go online to check my accounts and I cant get on. I also noticed the security questions were none that I had chosen. Recently, I also got an email to fill out a survey for a XXXX NY branch which the survey said I recently visited. I never went near this branch. Where did my deposited checks go? Whose account has Key bank confused with mine?
While reviewing my credit report I noticed I have duplicate debt reporting twice on my report from different creditors for the same amount for a cable  bill. One from the original creditor the other from a debt buyer collection agency. W hich means the original creditor has written off the debt and has been paid. This is effecting my credit and payment history. The  XXXX  states charged off on my report while Debt Soultions is reporting the wrong date opened, which is n't matching the dat e of 1st  delinquent payment.
I received an alert from my credit monitoring service stating that there was a new inquiry for a credit application on my credit file from Navy Federal Credit Union on XXXX XXXX, 2016. I have never applied for credit from this lender and contacted the creditor to state that this was fraudulent.
Consolidated Recovery Group is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX, they are reporting an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX when that address is no where on their website and I never received a response from the dispute letters I sent them. How can they have different address on the credit report and website but their website shows the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX 1. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2011 which is wrong. 

3. I attached the dispute letter that I sent them but they failed to properly validate this account.
Two issues:
1. I did not receive the right to verify debt, and
2. Debt collector falsely reported XXXX accounts to credit reporting which has lowered my score.

I have asked them in writing, and via phone, to remedy this.
I received a notice requesting payment from SOUTHWEST CREDIT SYSTEMS on behalf of XXXX for account XXXX/XXXX/16. 

I made payment XXXX/XXXX/16 under the false representation from SW Credit that the debt would be cleared with the original creditor in 3 business days. 

XXXX/XXXX/16 I contacted the original creditor and was told by them the collection agency has not cleared the debt. 

XXXX/XXXX/16 I contacted SW Credit systems and was told by employee XXXX that a mistake was made on their end and they would contact the original creditor and promised it would be cleared in 2 business days. 

XXXX/XXXX/2016 contacted original creditor and was advised the account still was not cleared. Called SW CREDIT spoke to employee XXXX again who advised it would take 2 more business days to clear but on that day he would send me a settlement letter via email. The same email address I received the request for payment XXXX/XXXX/16. 

XXXX/XXXX/16 I received an email from original creditor that the debt was still active in their records. I also never received the settlement letter from SouthWest Credit that I was promised on XXXX/XXXX/16.
I let Speedy Cash know that I am in a hardship situation at the moment and I can not afford the payment at the moment. They keep trying to take different amounts of money out of my personal bank account almost everyday until I had to finally block them. I do not have any money in the account and XXXX XXXX XXXX keeps charging me {$35.00} NFS fee each time they continue to do this. Then they continue to calling me and harrrassing me every day while I'm trying to work. I don't know what else to do about this horrific situation and it's affecting my work performance and making my supervisor annoyed.
X/X/2017 Equifax had a security breach and I have been informed that my personal and financial information mat have been compromised. Not sure what else to say besides this is gross negligence and under no circumstances is it acceptable for such a large company with access to credit information to nearly all of the population of the U.S. to all this to happen.
In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as Bayview Solutions, LLC. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on Bayview Solutions, LLC - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on Bayview Solutions ( which I listed below ). Also, in researching Bayview Solutions it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX. 

BAYVIEW SOLUTIONS, LLC, XXXX XXXX FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.
I AM TRYING TO GET LOAN MODIFICATION FROM WELLS FARGO SINCE XX/XX/XXXX, WELLS FARGO IS REVIEWING MY LOAN MODE PACKAGE BUT STILL THEY TOLD ME THAT THEY WILL LET ME KNOW ON XX/XX/XXXX WHETHER THEY WILL APPROVE ME / NOT FOR LOAN MODIFICATION. AND I HAVE NO RIGHT TO APPEAL AND FORECLOSURE PROCESS WILL KEEP GOING ON ON XX/XX/XXXX. I HAVE SEND ALL MY COMPLETE PACKAGE TO WELLS FARGO BUT STILL THEY ARE TELLING ME THAT I NEEDED MORE PAPERS TO REVIEW, SO I HAVE SEND / RE-FAX MY PAPERS AGAIN AND AGAIN. I HIRED CONSULTATION COMPANY ON XX/XX/XXXX AND ALSO DIFFERENT CONSULTATION COMPANY ON XX/XX/XXXX TO STOP THE FORECLOSURE SALE DATE. END
I closed on the house I currently reside in with assistance by US Bank and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. I was not informed that property taxes would not be included in the mortgage payment. I was notified by the State of AZ county assessor office of taxes owed on the house in XXXX XXXX. I believe this was unjust and now I am having difficulties paying the property taxes every year. If I had been informed that property taxed would not be included, I would have processed the purchasing the house a little more.
BB & T sent me a letter saying I have " delinquent credit obligations with BB & T ''. I only have XXXX open account with BB & T, it has a XXXX balance and has for over six months. It is not delinquent. The letter also says " We have told a credit bureau about a late payment, missed payment, or other default on your account '' There is no late payment on my credit file and my account has a XXXX balance so they have no right to do this. 

They have taken adverse action against me based off this information and I would like for them to remove all erroneous information from my account with them and from the credit bureaus.
They do not care about your security!

My wife and I have grown accustomed to using XXXX  over the last month. However because I work as an XXXX XXXX and know how important security is, I change my passwords once per month on all my sensitive accounts. XXXX  forbids that! I have 5th 3rd Bank. If I change my password, I AM FORBIDDEN TO USE XXXX  FOR 30 DAYS!!!!! So, in summation, IF YOU TAKE YOUR SECURITY SERIOUSLY AND HAVE THE AUDACITY TO CHANGE YOU BANK PASSWORD - YOU WILL BE PENALIZED WITH A 30 DAY PUNISHMENT FROM XXXX  & 5th 3rd Bank.

Summation : If you have 5th 3rd and what to use XXXX, you can't EVER change your password without a 30 day penalty.

That goes against everything the security industry is trying to do to protect consumers. The fact that a Major Banking Entity like 5th 3rd Bank would passively promote never changing your password for fear of losing the functionality of transferring money is appalling, atrocious and frankly, makes me wonder about other security issues they ( XXXX  & 5th 3rd ) aren't sharing.
I do not have XXXX nor have I ever had XXXX. I disputed {$530.00} this many times but never received proof this is mine. I did receive notice that this was deleted on XX/XX/2017. I have sent the notices. Please help me fix this so i may obtain my correct credit score.
Equifax sent me an email offering a reduced price for a 30 day subscription. When I tried to sign up for the subscription, the transaction was charged to my debit card, but Equifax sent me a message saying they could not complete the order. I called Equifax about the problem and the customer service representative informed me that I was trying to sign up for a 3 in 1 offer that was being offered by XXXX of the other credit bureaus. but that Equifax would not honor it any longer because I have a freeze on my account. I informed the representative that I never placed a freeze on my credit report and that the offer was from Equifax not a 3 in 1 deal with the other XXXX credit agencies. After about 5 minutes of a combative conversation with the representative I asked the rep if he would refund my money they charged. The representative informed me that Equifax had not charged my card and that he did n't know who had charged my account. 

I received an email confirming the order from Equifax and the charge on my card said Equifax along with their XXXX number. My worry is that Equifax is false advertising it 's products to consumers and not wanting to honor their specials. I asked the representative who I could talk to about the freeze on my credit report and he told me that he did n't know.
{$200.00}, {$59.00}, {$30.00}, {$480.00} and {$230.00} XXXX XXXX XXXX I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors. 


You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Company is reporting on all     XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
This company calls for a person by the name of XXXX XXXX, constantly day in and day out! 

They use a robocall phone calling system to make their phone calls with a number list it as, XXXX XXXX XXXX! 

They say to call this toll number to speak with them. 

I will not spend my money to call this number because I am not the person that they 're trying to reach. 

This company has a recipe on a continuous basis and will cease and desist doing so if they do not I 'll take legal action against them! 

This company has violated my rights to, peace and enjoyment!
XXXX XXXX XXXX allowed a 3rd party to add fees to my acc. The co said it was added when I took out my card. I tried to resolve it w a supervisor with XXXX XXXX and even though its mailed out on XXXX statement he claims they have No control over this. I was irate when he said not their problem. I feel this Bank has to be responsible for Account Assure charges and I should not have had to deal with resolving this. I feel many elder individuals are also being charged and over looking this fee. I am disappointed that any third party can just start adding a fee without my approval.
Debt should n't even be on my credit report. I 've only ever used XXXX XXXX XXXX or XXXX ; My previous girlfriend may have opened this account fraudulently in my name. I want this removed immediately.
We are being harassed by Nationstar Mortgage with unsolicited correspondences and threats from them. On XX/XX/XXXX, Nationstar sent a letter threatening us with force-placed insurance. They state our insurance has expired ; which it has not! In a letter of XX/XX/XXXX,  Nationstar, in a letter to CFPB, Nationstar writes " we are appropriately listed as mortgagee on your insurance policy ''. This makes the letter of XX/XX/XXXX bogus and fraudulent. As a courtesy, I have responded to them by mail with USPS tracking. 
Since then, I have received 2 additional letters suggesting I have contacted them for information. This is untrue. I have not written to them nor do I intend to. These letters are unsolicited. 

Nationstar is under a consent agreement order with the CFPB for irregular bookkeeping ; it appears their records are in non-compliance with this order. 

They still have not responded to my feedback from the previous complaint.