WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) defrauded and misled me into believing the school had a high graduation rate and was regionally and nationally accredited with the U.S. Department of Education. I attended from XX/XX/XXXX until around XX/XX/XXXX. They misled me to believe their credits could be transferred to any 2-year or 4-year college or university in the region, which I sadly discovered not be true. Financial aid advisors and program advisors continuously persuaded me to register for classes and sign for very high loans for at least three quarters. They did this even when I showed inability to pay the loan debts and even when I was not passing all of their courses. I was always advised to sign for these loans without reading the loan agreements and promissory notes. I was always rushed. They even went as far as having me sign a recourse loan with the school, just to allow XXXX XXXX ( now Navient ) to disburse more funds to their school. Over the years, these loans both federal and private, have negatively affected my credit report and scores, I have defaulted on some of the federal loans, I am currently not eligible for FAFSA grants due to those defaults, and I have also had my wages garnished because I was unable to pay on time. It has been over ten years and I still have high loan balances, both federal and private. My outstanding private loan balance is {$21000.00}, still accruing interest. XXXX XXXX ( formerly XXXX XXXX ) has denied and ignored every direct and indirect request made for copies of official and unofficial transcripts. I highly believe their practices were unethical and illegal. They preyed on me and many other young adults and for myself, this fraud has ruined me financially. I 'm still paying for it to this day and I have nothing to show for my XXXX dollars of debt. I was misled and lied to by this for profit institution. And now, XXXX XXXX ( formerly XXXX XXXX ) have closed their doors to new students. The school is no longer in business. Based on their fraud and predatory actions, I am seeking all the loans be discharged and reimbursement for payments made both voluntarily and involuntarily.
Receivable Solutions LLC  XXXX I receive calls nearly every day from this company, they never identify themselves in voicemails so I researched the number and it comes back to Receivable Solutions. They leave messages indicating I owe a debt and never indicate what it is for. I have an excellent credit score and owe nothing to this company. I have asked them to stop calling. As soon as I pick up the phone they refuse to identify themselves and ask for me to very my address and provide CC information. I'm not sure what kind of scam this is but I assure you I owe them nothing. After researching their name they appear to offer collections for XXXX Hospital, any medical bills that would be billed to me by XXXX were paid to XXXX. I am exhausted by their constant calls and tactics. I think they are trying to get duplicate payments for items already paid to the hospital!
On Friday XX/XX/2018 I spoke with Collections Supervisor XXXX at Wells Fargo at XXXX in reference to inaccurate late student loan payments XXXX60, XX/XX/XXXX-30, XX/XX/XXXX-30, XXXX30 that was reported to XXXX, XXXX and XXXX for a loan that I am a cosigner on. This loan was in forbearance for a long time then for some reason unknown to my self it came out of forbearance according to XXXX. I was never properly notified so obviously I was unaware of this change. In my conversation with XXXX he acknowledge that he had the wrong city for my address and this may be why I never received any notices. Also, XXXX stated I was never called from his records to notify me of this change. Without proper notification I believe this is a violation of Fair Credit Reporting Act. This has caused duress and a financial burden because it has hinder my ability to purchase investment property. After speaking with XXXX the account balance in question was paid on Monday XX/XX/2018. All late payments should be removed because Wells Fargo failure to properly notify me. I pray that Wells Fargo will do the right thing and correct this severe error.
I was late with a credit card payment for my XXXX store card which I fully own up to as I have been working an insane amount of hours due to the huge XXXX outbreak. These people have been calling me every day multiple times a day, often times multiple times in a row. The other day they called 17 times in a row while we were on rounds in the XXXX. This morning they called 19 times in a row. The kicker is if you pick up there isnt even anyone there. This is beyond ridiculous, its outright harassment.
The text message was received from XXXX number with text BofA : We have restrict your ability to use your BofA card. Follow the link below to reactivate it And the link to XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the page links are inactive, except online id field and password and submit button. 
Where all personal information requested - like : Name Address SSN online id and password Dob Card number, security code and pin After that user is redirected to real Bank of America website
I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXX and XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.
I have contacted Transunion XXXX and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXXXXXX XXXX ( XXXX ) with a balance of {$780.00}
I hereby dispute the reply of SunTrust to my complaint by way of CFPB Case nUmber XXXX
XXXX and Equifax are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
I pulled my credit report and there was an account from Fagstar which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
I have a Collections on my credit report dated XX/XX/XXXX form Credence Resource Management account # XXXX in the amount of {$4900.00} from XXXX. On XX/XX/XXXX I completed a police report for Identity Theft to the XXXX XXXX Police Department Case Number XXXX. I called XXXX and gave the police report case number regarding account XXXX in the amount of {$4900.00}. The account was opened from XX/XX/XXXX to XX/XX/XXXX from the address XXXX XXXX XXXX. I then filled out the Fraud Affidavit that was sent to me and mailed and faxed it back to XXXX in XX/XX/XXXX. It was removed from my credit report ; only to return on XX/XX/XXXX from another Collection Agency. I have been a loyal XXXX XXXX XXXX customer since XXXX. I have never ever lived at this address. I have been a home owner living at the same address for 17 years. I have never owned a business or have been a business partner with anyone. When I spoke to XXXX XXXX, the Supervisor at Credence Resource Management, he stated he couldn't do anything but take my information and send out another packet for me to fill out and send back in. This could take up to 30 days. The only way he received my information is from XXXX for a delinquent phone bill. This was supposed to be resolved. It is not. It keep reoccurring. I was also advised by Mr. XXXX  that XXXX has forwarded/sold this to three other Collection Agencies before his Agency got it.
I am requesting Hunter Warfield to send debt validation for a collection account they presented to me. I would like full accounting and details for this debt they are collecting on. I am disputing the validity of this debt.
My XXXX account, after many years, suddenly allows one of my valid payments methods to randomly change on various online companies, i.e., XXXX, XXXX, etc. 
I have made two calls to PayPal and both were redirected to offshore agents. Both agents claim security issues, but none coukd tell me the cause. When I demanded that an investigation be opened and I requested a case number they refused. 
Furthermore, I was told I could close my account and use a different payment method, however, this does not resolve the issue. PayPal refuses to follow up and act to provide me with proof that their security actions randomly activated are, in fact, not hacks or failures of their own system.
bait and switch company. They presented me with a 4.75 % rate when I pre-qualified. Then once I hard checked and my credit score went down ( meaning its harder to get a better rate from a competitor ) they then raised their rate. They said for mine it was because they couldn't verify all of my income ( $ XXXX ), which was a lie because I showed my offer letter, vesting schedule for stocks, planned ( guaranteed bonus ' ), stock XXXX XXXX account, pay stubs, and had employed for more than a year. 

HOWEVER, the illegal part was that when I went in and created a new application, with the lower $ XXXX income, I received a lower APR than they offered me on my hard checked application ( greater than .8 % difference ). The know that they are bringing people in at a lower than realistic rate, then increasing the rate once they hard check because they've impacted their credit negatively after. 

Put in a formal request from SoFi and ask how many of the original rates are honored for individuals and what percent are increased. You'll find out how they are bait and switching hard working students with student loan debt. HORRIBLE COMPANY.

Check the screen shots. I adjusted the income from XXXX to XXXX on my new application, and received a lower rate than they offered me after the hard check. It's a ploy to get more people to do the hard credit check and commit. After that, they raise the rate! 

I checked on XXXX and it looks like MANY OTHER PEOPLE have the same issue with the company. this means its a deceptive trade practice! 

https : XXXXXXXX XXXX XXXX XXXX
In XXXX XXXX my wife, then a XXXX, sustained a serious injury at work and underwent a XXXX procedure. Since that time she has had numerous surgeries and is still suffering today. She eventually exhausted all of her leave time and was taken off payroll. In XXXX XXXX I retired from my job as a XXXX to take care of her and our young son. Because of this drastic loss in income, we became late on our mortgage. I turned to Nationstar Mortgage for help to no avail. In XXXX XXXX I hired the XXXX XXXX XXXX to help us get a loan modification. XXXX XXXX was assigned to our case and our loan mod request was submitted to Nationstar on XXXX XXXX, XXXX. The review took several months and we were asked to submit many documents which we did in a timely manner. On XXXX XXXX, XXXX XXXX was told that the loan modification was denied due to negative NPV. On XXXX XXXX, XXXX XXXX responded to the decline with a formal appeal proving that we could qualify for a modification due to all of the inconsistencies and incorrect data in the decline letter from Nationstar. On XXXX XXXX, XXXX XXXX received a response to the appeal letter stating that a new modification review had been opened and asking for updated documents. These documents were sent in on XXXX XXXX, XXXX. XXXX called Nationstar on XXXX XXXX, XXXX for an update. She was told by XXXX that they had received the documents and to call back in a few days to see if the file went to underwriting. XXXX called back on XXXX XXXX, XXXX and spoke to XXXX. He told her that the file had been closed out because there was no change in circumstances. There was no mention in the letter that we needed to have a change in circumstances to be reviewed again. XXXX also said that the modification had been denied due to property value, not income. On XXXX XXXX, XXXX XXXX spoke with XXXX who told her that the modification was denied due to income. At this point we are very confused as to exactly why we were denied. This is very unfair and we are probably going to end up losing our house because of this. We feel very strongly that we are able to make our house payment if Nationstar would help us with the past due amounts. With my wife 's illness it would be a severe burden to have to move. We do not want to disrupt our son 's life by removing him from the home he has lived in his entire life.
XXXX : Requesting an accurate Payoff amount for XXXX XXXX CA XXXX from Ditech Financial. 
Ditech Account # XXXX XXXX. The loan was sold to Ditech Financial by XXXX and title transferred on XX/XX/2016 DItech is claiming I did not make payments after XX/XX/2016, and I did make all payments until XX/XX/2016. I proved this to them by providing bank statements showing an automatic withdrawal or a debit card transaction that took place each month. Because of this, they will not accept my mortgage payments since XX/XX/2016 and have sent several letters stating I am in default and am pending foreclosure. I can not get acknowledgement from the supervisor I spoke to that they received the bank statements that prooved the payments were made and that the matter is cleared up. The only info I have on him is this : XXXX the number is : XXXX ( this goes to an operator, not directly to XXXX ) The account number is : XXXX Ditech Financial LLC XXXX. XXXX, SD XXXX. I have an accepted offer for the sale of my home. I am trying to get the payoff amount from Ditech. Every page of the Ditech website has a different amount, as well as every document they send me via mail. ( See attached files. ) 3. Once a payoff is provided by Ditech, I need reassurance that the loan will be cleared, and that this would not effect either the buyer or myself in the future. 
Please see attached files. 
1. payoff quote from Ditech XXXX 2. XX/XX/2016 mortgage statement from DItech ( the most recent I can get off the website ) 3. Recent letter received from Ditech regarding mortgage status. 
4. XXXX Account status as of XX/XX/2016 5. Loan History from XXXX 's website XX/XX/2016 Additional information : you may refer to the previous case I had opened with XXXX, for XXXX years I worked with them over a clerical error they made where they withdrew funds from my account and considered me in default because of their error. This was finally resolved as of XX/XX/2016 and payments were made according to the resolution agreement, yet when the loan was sold to Ditech, Ditech did not get all the information. This has been over 3 years of incredible time consuming work that was forced upon me and I decided to sell the home so I could be done with all this situation, however, how I need a payoff and am getting different amounts from each source at Ditech. I would like them to honor the payoff amount on their website, however, I do not want them to come back later stating it was not paid. 

Sincerely, XXXX XXXX XXXX
I voluntarily froze my Transunion credit report in XXXX 2015. I lifted the credit freeze on XXXX XXXX, 2015 providing all information including the PIN and received a confirmation from Transunion Credit Security Freeze regarding lifting the freeze. The fee for this Transunion service was processed and accepted by my credit card. On XXXX XXXX, 2015 my credit was checked through Transunion by a company that is doing a credit background check. The check is for an apartment lease. Afterwards this company reported back to me that my credit report was still frozen and could not access it according to their Transunion representative. The company tried rerunning my credit numerous times afterwards and the last time being today, XXXX XXXX, 2015, without success. I contacted Transunion Customer Service, and they stated that I needed to contact Transunion Credit Security Freeze and repeat the lifting of the freeze until the freeze was lifted. I called Transunion Fraud Alert getting the number from Transunion Customer Service earlier today, XXXX XXXX, 2015, and Transunion Fraud Alert stated that the credit freeze was lifted on XXXX XXXX, 2015. Also earlier today, XXXX XXXX, 2015, the Transunion representative for the company checking my credit, stated that the company is to continue to check my credit every day until it works. Bottom line, Transunion has destroyed my credit because of their inability to release my information. I hope this major problem is fixed immediately.
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXXTelephone : XXXXComplaint against : The Advantage GroupXXXX XXXX or XXXX XXXX, NM XXXX spoke to XXXX at the advantage group, she only asked me my address. She acknowledge that the collection company had accessed my file at the reporting agencies. I said, " You do have my correct address, yet you never notified me of your intent to verify this debt ''. I further asked XXXX with the Advantage Group to provide me with complete verification of the debt that they have on me. If I in fact I owed it, I would seek to pay it. XXXX never sent me any verification of the debt that she put on my credit report. Their attorney conveyed to me in his faxed memo, XXXX XXXX XXXX The Advantage Group 's attorney ) wrote about me, " but he was evasive and would not verify his address or his social security number ''. This is a false statement. They had all my information because the advantage group had placed a unverified collection on my credit report without even a five to 30 day notice to comply. 

It is a matter of protocol that if an agency that has access to a person 's credit file, that same agency requesting information has to know the required data to be able to post a collection and or any information on a consumer. 

I explained to the advantage group 's representative ( XXXX XXXX, in accordance with Federal Consumer Credit Protection Act I had a minimum of 5-30 days to respond to a debt collection attempt. She offered to remove that posted item to my credit file based on our conversation. 

This debt collector is seeking payment for an amount not permitted by law or by the contract in the amount of an interest charge also. 

My original contact was with XXXX XXXX XXXX at his examining offices. I paid the full amount of {$470.00} on the day of the visit via my visa card for all services rendered. I was never told that XXXX XXXX XXXX ( the original vendor for the assumed debt ) would be sending me an additional bill, nor did I have an agreement to pay any accrued interest if any bill went unpaid with XXXX XXXX. This is clearly an attempt at usury cost never agreed to. 

My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt. This alone violated my rights. 

The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights.
I have been trying to get in touch Conduent ( who took over from ACS ) on my student loan. I can not reach anyone at Conduent thru any of the phone numbers listed on their website. When I enter my social security number on the Conduent website to try to get information on their website, Im advised that Conduent no longer service my loan, but Im not given anymore information.

Id like to know : 1 ) who is now servicing my loan 2 ) does my loan balance reflect the payments Ive been making to Conduent thru online banking? 

Please help me.
I was charged unauthorized by a merchant by the name of XXXX on XX/XX/18. I have placed a dispute with card company and have sent written confirmation. I am supposed to receive provisional credit within 10 days. It has been beyond the 10 day threshold, I have received the replacement card but have not been made whole from the unauthorized charges stemming from this merchant. I have called multiple times to the card company but have be denied to receive any escalated support, which is why I am now reaching out to you for help. I am seeking a full return for all charges stemming from this merchant XXXX. 

XXXX card is my card company their phone number is XXXX Please assist
I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very XXXX and I am not employed either and Blitt and Gaines continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.
This is regarding our XXXX mortgage ( home equity? ) ; primary mortgage is in good standing. Spouse retired because of XXXX. Contacted lender before default occurred to seek remedies. They refused to assist. Default occurred. Additional financial assistance obtained through SSA. Lender refuses to accept any payment until entire default amount is paid in full. Foreclosure imminent.
I recently received a call from Hewitt Capital LLC regarding an amount of {$76.00} owed to XXXX XXXX XXXX for a payday loan. I paid this loan off about 3 months ago so it confused me as to why this company was calling me saying I was being charged for a Breach of Contract. They asked me if I wanted to it the voluntary way and I agreed. The person who called threatened me with the XXXX as I am an XXXX XXXX XXXX personnel. I researched Hewitt Capital LLC only to discover that it is a scamming company that bottom feeds from anything they can get their hands on. They are about to charge me {$76.00} that I DO NOT OWE on XXXX. I have attached a picture of the letter they sent me over email, threatening to add {$30.00} if I was unable to pay the amount I owed. The address on letter is from where I was previously stationed.