WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I changed my Cell phone services from XXXX XXXX XXXX to XXXX. As a result there was service and discontinue contract charges totaling over XXXX. I paid some then got contacted by a collection agency of XXXX XXXX XXXX in XXXX. I settled the debt with them for like XXXX. They assured me that they marked the debt is paid off by an agreed settlement. Early XXXX I got a call the same collection agency requesting to pay some {$550.00} for a debt to XXXX XXXX XXXX. they explained its for the cell service. I explained and they looked up their notes and confirmed that I settled and not to worry about this ever again since they will take care of this balance. Here we go in XXXX I get the same collection letter, from a different collection agency this time. And they told me that they have no notes about this account being settled and I have to pay {$550.00} now. ERC collection XXXX. Ref # XXXX. They did n't care of what I have to say. I need XXXX XXXX XXXX to stop assigning this account to different collection agency. I am XXXX and they continued to harass me for the last 3 years. When is it going to stop.
~ I have conducted myself with integrity and met my student loan obligations since completing my program in 2008. I am seeking that my case be considered by the department of education under exceptional circumstances. The Loan discharge form limits of 120 days provide only the most narrow of windows to correct this situation and exclude a great number of former students including myself from corrective actions. 

List of exceptional circumstances : 1. Misrepresentation of accreditation. 
2. The schools discontinuation of academic programs. 
3. Current litigation 's by the state that are affecting operational viability of the school. 
4. Finding by federal agency & recent litigation resulted in prohibition of federal funds for school. 

I feel that the school manipulated the circumstances of my enrollment and conducted themselves in a manner that is not consistent with the integrity expected of institutions that provide higher education. As I have acted in an upstanding manner and met my obligations to date, I would like to consider having the remaining federal loans that I am obligated to repay discharged or forgiven. I think that if the government is taking actions against this school for deceptive practices it should also be open to mitigating the financial burdens of those that were subject to those practices and have met every obligation thus far. 

I have several complaints specifically regarding my enrollment at XXXX XXXX XXXX. 

~ I was told while discussing enrollment with the recruiter that XXXX XXXX was an accredited institution and that I would be able to pursue my masters at XXXX after graduation. - This proved to be false. XXXX XXXX for XXXX XXXX and XXXX determined that XXXX " is not in compliance and is unlikely to become in compliance with [ XXXX ] accreditation criteria. 

~ I was later told that the accreditation process was ongoing and that XXXX XXXX would be fully licensed by the state and accredited in the near future.- This also proved to be false. 

~ The credits I earned and took out Federal and Private loans for are unable to be transferred to federally compliant institutions like XXXX or XXXX. 

~ Until student loans are fully repaid, I am not able to pursue federal funds for education at a compliant institution like XXXX or XXXX. 

~ The location where I attended has been closed and is no longer in operation. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX ~ XXXX XXXX XXXX is currently involved in several litigation 's, some of which are banning new students from enrolling and ultimately will result in the school being closed. Once the school closes I will be obligated with student loans for a degree from a fraudulent institution.
my Mortgage company wants to double my escrow payment, I ca n't afford this. I believe there was an error on the mortgage company by allowing or not foreseeing an escrow shortage.
I had been with Chase bank for 9 years. Chase closed my account without informaing me. Why is this absolutly un accpetable? 
* Commone courtesy and customer service along with transparancy should be standard * I have XXXX kids and a stay at home wife and money is a daily requirment * Chase service line started treating me like I was a piece of XXXX and they stated they are not required to tell me why or when they closed my account??????? 

* They even said I couldn't get my money out of my account? They said they would mail it to me in 7 to  10 days. Really? My own money that is direct deposited into thier bank and they think its ok to hold my money. This kind of action should label them as the XXXX XXXX XXXX and the XXXX XXXX 's as being thieves. I want my money back as its over {$500.00} and my family needs it- this stupid game is not over but it starts with you- HELP
Respected CFPB, My ONLY LIFE SAVIOR! 

I AM VICTIM OF ID THEFT AND CREDIT DESCRMINATION AND HAD FTC REFRENCE AND AFFIDAVIT, AFFIDAVIT OF IDTHEFT WITH LAW ENFORCEMENT REPORT ANS WITNESS WITH NOTARY. ALL THE PROOF OF HOW WELLS FARGO IS DISCRIMINATED ME TO JUST SAVE THEM AND THEIR BRANCH MANGERS. SO, XXXX they have contract with and many more loans which I found troubling and stood up to it and now they have blocked all of my checking accounts and a Credit card whixh is direct violation of 609e, FCRA and FTC. 

There was ATM MONEY JAM, I DEPOSITED XXXX ONLY GAVE ME THE RECEIPT I NEVER SAW IN MY LIFE HAVING DIFFERENT DATES AND DIFFERENT AMOUNTS. THEN, I CALLED BRANCH MANGER WHO IS ALSO MY BANKER AND ENCOURAGED ME TO OPEN ACCOUNTS WITH HIM INCLUDING BUSSINESS. I HAVE A CREDIT SCORE OF XXXX PLUS AND I GOT XXXX BUREAUS MEMBERSHIP ALONG WITH XXXX XXXX XXXX INSURANCE FOR TAKING CRADITORS TO JUSTICE IF THEY I 'D THEFT ME OR TRY TO DESCRMINATION AGAINST AN HONORABLE CITIZEN. I CALLED VICE PRESIDENT XXXX XXXX XXXX AT XXXX BRANCH AND HE GAVE ME NUMBER TO THR ATM OPERATIONS AND SAID IT HAD HAPPENED WITH THIS MACHINE LIKE 3 TIMES ALREADY. DO N'T WORRY JUST CALL THEM AND HAVE CLAIM. I CALLED AND XXXX XXXX AT ATM OPERATIONS GOT ME A CLAIMS AND SAID THE HOLD WILL NOT PUT ON AND WE OWE YOU THR MONEY SO PLEASE DO N'T DEPOSIT ANY NEGATIVE AMOUNT. NOW THEY ALL STARTED HANGING UP ON ME AND I HAVE LOGGED OF IT AND WITNESSES WHO ARE OTHER BRANCH VP like XXXX at XXXX branch. 
Then the XXXX alerted me wells Fargo has been trying to close your credit card but as you have XXXX they do n't have any reason to do so and they have your card blocked. I then was told when I directly called executive loss prevention and executive wells Fargo office and thry said you are clear we want to know if jam happened so have your branch manger call us and then XXXX XXXX said no they ca n't call them because he never has their number. I was like you are thr one opened me accounts and stile my money being the weeks Fargo representative plz allow me to deposit because all the payments are bouncing and I am going down as being already viticm of I 'd theft they said they do n't care about FTC or neve heard of the XXXX right or who is CFPB. 

Now it 's has been 2 weeks I am jaddicapped inhave all thr cards and money but thry are not lighting thr hold. They are telling me a risk lie! As thr branch manger said that you have caught their lies and now they are scree and want to just kick you out and report yiu to XXXX which again violations alot of them! So, approving me of credit card through XXXX whom I am member and gave me a limit of XXXX how I am a risk and I ran the risk and they all come out golden 100 % clean. So, just telling me on my face in front ppl I am risk is a slap to my religion and culture and ethnicity.
In XX/XX/XXXX, I filed a chapter XXXX  bankruptcy case number XXXX which included an auto vehicle, a XXXX XXXX XXXX for a loan that I had taken out with XXXX XXXX XXXX out of XXXX, XXXX. In the bankruptcy filing, I continued to make payments to Springleaf Financial for a " cram down '' that was done on the auto loan. It was my understanding that at completion of the bankruptcy, after discharge that the lien on the vehicle would be released and that I would be sent the title to the vehicle. The bankruptcy discharged on XX/XX/XXXX and I've yet to receive the title for the vehicle. In fact every company that I've contacted that had a hand in the proof of claim, transfer of claim and every other step claims that the are not responsible for the lien release on this vehicle. My problem still goes further. I since re-established myself and needed to purchase a reliable vehicle and have attempted to trade this vehicle. With the assistance of a local car dealer, they've tried to assist me with obtaining the title, the Division of Motor Vehicle for XXXX XXXX show that XXXX XXXX XXXX, the original lienholder has yet to release the lien/title. XXXX XXXX XXXX has been deemed a failed bank and has been out of business since XX/XX/XXXX. I have documentation that Springleaf of XXXX  filed a proof of claim for the balance of {$5500.00} on XX/XX/XXXX, a transfer of claim was then done by XXXX XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that Springleaf recalled the debt due to the account being paid prior, the recall was completed on XX/XX/XXXX. Springleaf has said that they show this account- reference number XXXX  as an unsecured debt and therefore have no lien to release. I've held up my end and completed all payments agreed upon as requested. I simply want the title to the vehicle so that I can move forward and on from this bankruptcy. It seems as if the laws don't cover the consumer and basically banks on the consumer not completing the payments due on the bankruptcy. I've made attempts to contact the FDIC since XXXX XXXX is now out of business. Again, I simply just want the title. I've spent countless hours on phone calls, writing letters, faxing and researching and no one seems to want to assist me but there was no issue cashing payments that were received for the debt. The dealership has offered me compensation for this trade and due to this issue I may lose the money on the t and
I was put on  XXXX   XXXX  and knew I could not pay off my debts with the {$1300.00}. per month I would be receiving, so I took a second mortgage out on my home to pay off all my debts in order to make ends meet and support my grandson and I. I made my intentions known to Synchrony Bank. I explained to them I needed my pay off information. It was exactly {$1100.00}.   Once this was paid 5 days later they sent me a bill for {$910.00}. When I called them to point this error out, they stated that a promotion was no long in affect and that I did not pay my debt off in time.   No agreement was ever signed or agreed to like this. If they have a signature it is not mind, because I would never agree to something like this and nothing was ever said about this when I stated my intentions to the bank. I have offered a compromise to protect my credit rating, but they will not consider any kind of a compromise and are demanding payment that I do not owe and can not afford to pay. Please help me. I have no scanner and therefore can not send attachments.
To whom it may concern - I am being charged illegal and excessive late fees for payments made. 

I have a direct withdrawal arrangement for monthly tuition and expenses related to my children 's attendance at XXXX XXXX XXXX XXXX in XXXX Colorado with the Company XXXX ( XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NE XXXX. XXXX  has the ability to withdraw funds from my XXXX XXXX  account when due. This account has been fully funded since XX/XX/XXXX. XXXX  has continued to charge me late fees for the amount of {$120.00}, for amounts due on XX/XX/XXXX and XX/XX/XXXX for a total of {$170.00}. This makes no sense, because they have had access to funds and additionally, {$120.00} in late fees is excessive for a payment of {$170.00} in less than 30 days ...
I am a victim of identity theft and 3 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} AND ANOTHER XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.
XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX and TransUnion  credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on (XX/XX/XXXX,XX/XX/XXXX) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, and (XX/XX/XXXX,XX/XX/XXXX ) TransUnion requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and TransUnion credit reporting agency has NOT provided the method. I have given TransUnion ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.
Hello I bank with PNC Bank and on XXXX XX/XX/2018 my account was hacked by XXXX without my permission and they took {$1700.00} worth of charges on my account and they cashed out via Cash Advanced my issue is that my bank didn't let me know that there was 4 charges of {$490.00} deducted from my account can you help me with matter.
I have signed a Deed  in Lieu ( late  XX/XX/XXXX  ) wit h my mortgage servicing company,  Select Portfolio Servicing, and, as per the contract, moved  out by  XX/XX/XXXX . I moved out on time and the property was clean and in good shape. I was promised ( as per the contract ) that I would receive a {$10000.00} relocation check for agreeing to the De  ed in Lieu.
It is now almost mid- XX/XX/XXXX  an  d, every time I call for an update, I get the same response- it is in " review '' and not yet complete.   I get no indication of a time line ( although I was told by them at the beginning of this process that from signing to completion would be no more than 3 months -it has been about 6 month s already ).    The property has been left abandoned ( they have not been out to cut the grass and maintain the outside ) and when I ask who 's responsibility it is to do that, they claim that it is theirs and they will get to it, but they never do.   So, my previous neighbors are left with a property with un-kept lawns and it it looks bad in the neighborhood.   Part of my utter frustration with this is that I can not get a clear indication from  Select as to where we are in the process, how much longer this " review '' will take, and what happens after it gets sent to the county for recor ding ( which could take more time ).   I can not believe this process has stalled the way it has. Not only am I concerned about the state of the property ( a home I loved and took very good care of ), I am also due that relocation check which I really need.   Here are the specifics of my account at Select Portfolio Servicing : Loan #  XXXX  Name :   XXXX   XXXX   XXXX   Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Md.  XXXX  Relationship  Manager :    XXXX   XXXX    XXXX   XXXX   XXXX   I a m also attaching the Deed in Lieu document that executed in  XX/XX/XXXX with Select Portfolio which details all of the conditions.  <P/> My phone # is  (  XXXX  )  XXXX  and e- mail :  XXXX  XXXX  XXXX  if you could please follow up with any news as to my case.  <P/> I am glad I found this outlet as I did not know where to turn and I hope that you can help me to get this Deed in Lieu completed.  <P/> Thank you-  XXXX   XXXX
I responded on XXXX/XXXX/XXXX @ around XXXX XXXX ET to # XXXX to a message left on my cell phone and my mothers ' answering machine. When I called the young man threatened to have my drivers license suspended unless I settled out of court for a credit card debt I think was settled in XXXX. He also said I would have to drive out to XXXX, VA ( XXXX hours away ) to deal, and had a 6 year old address.I had been in a head on collision in XXXX and had settled all of my debts afterwards to the best of my knowledge. I also wonder if this may have been a scam attempt due to the clear violations/threats issued by the representative.
I have been dealing with the credit bureaus in regards to an item that was reinserted onto my credit reports. I have disputed based on the FCRA Section 611 in regarded to previously deleted material. It states that the consumer reporting agency is to provide notice within 5 business days of reinsertion. I was not given notification in regards to XXXX XXXX which was removed in XX/XX/XXXX and reinserted in XX/XX/XXXX. I have sent items showing that the items were in fact in dispute in XX/XX/XXXX and removed in XX/XX/XXXX as well. Even with the proof, I 'm getting no results. I was even notified by a TransUnion agent and supervisor on XX/XX/XXXX that the credit reporting agency is not required to give notice. They then advised me to call back tomorrow to speak to the US special handling department because they were gone for the evening at that point. When I finally spoke with a supervisor from the special handling department, I was advised that they did not show the item disputed. I then faxed them the information from XXXX XXXX, which is run by Trans Union, that showed the information was in fact disputed and removed.
I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, Equifax and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
Originally, I sent a letter on XX/XX/2018 to XXXX XXXX XXXX ( XXXX ) disputing a tradeline of my credit report from them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked validation that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2018, I received a copy of Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosure from XXXX XXXX XXXX XXXX, XXXX as their validation which wasn't validation competent evidence bearing my signature to XXXX. I received a credit bureau alert from XXXX ( betweenXX/XX/XXXX-XX/XX/XXXX ) and TransUnion ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been removed from my credit report. Then days later I received another credit bureau alert from XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) and TransUnion ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been added back to my credit report. I sent a reinsertion letter to all three credit bureaus ( XXXX, XXXX, and TransUnion ) stating I had not received the ( 5 ) day  notification which is required by law. All three bureaus stated they have validated this disputed item and refuse to remove and re-investigate in spite of all of the documentation I have provided to dispute the validity of this item. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that  the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
My card was stolen, I notified capital one on XXXX/XXXX/15, they have decreased my balance by the fraud amount but have not made it available to me.
After sending information to verify myself with my disputes, as of XX/XX/XXXX the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX {$350.00}
Recently, I pulled my credit report and saw there is negative report in my credit report for delinquent payment for one of credit card XXXX XXXX XXXX in amount of {$3700.00}. Attached the credit report from experian. I never had any card open with XXXX. I have tried to dispute it and Experian refused to remove it from account even though contest show my social security and my information does not match. I really need help to get it clear from my credit so I can get pre approval to purchase house.
XX/XX/2015, XXXX XXXX paid 2 ach debits for large amounts over my balance without my authorization. They have a policy of not paying over a certain overdraft amount and i did not have overdraft protection. I contacted customer service by phone and was in communication by email with the branch manager few  times in XX/XX/2015. Account was closed due to NSF with negative balance around {$280.00}. Balance was all overdraft/account fees due to the unauthorized debits being paid for 2 times per month for few months. i requested to block the entire account. for several weeks, the account was charged {$33.00} per NSF ACH debit and {$6.00} weekly for keeping it negative balance and finally closed and sent to XXXX. i tried to stop all of this with the bank and was unsuccessful.
I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX.
I was turned from a mortgage company because of a number of " delinquencies '' on my credit reports. Since I do not have delinquencies and my credit score was higher a month ago, I tried to get my reports online. I could not obtain them, and when I went onto Equifax 's site, the page would not allow me to submit my complaint. 
I really need to find out what 's going on with my credit scores so that I can dispute the errors.