WillisBack/dataset-financial-user-claim huggingface dataset:
Hello so I'm not sure if I filled out the correct boxes but were do I begin. I started XXXX College of XX/XX/2011 and left at spring  break. The recruiter was trying hard for me to stay and was telling me financial stuff I didn't understand but I was already starting to hear bad rumors about the school so I quickly found another and jumped into XXXX College. During my enrollment they pulled up a screen and said sign here and here etc. This is for yur Grant 's for the year. As time passed I've noticed that when I'd asked questions about my student loans I'd get the run around. And one time I asked if I can have some of the money from my loan since I'm falling under hardship. They agreed and signed over a check in my name. A week or two passed and I was called to the office saying they messed up on calculations and I owe them money. I said how is that my fault? You guys do the paperwork I have no clue what you did. And so I was penalized by the school. Long story short after all this boost of saying we guarantee a job replacement when you graduate and doing mock interviews as one of our credited classes because they wanted us to be prepared for the real job interview. Before we graduated they told us when we had to pay back the student loans I think it was 3-6 mths later but not to worry because we will all have jobs in our degrees. Well after I found my own job as a on call XXXX  XXXX at the hospitals is when I found out that the schools that I attended took out * 24 DIFFERENT STUDENT LOANS * in my name from different places. I had NO CLUE TILL I GOT THE LETTER IN THE MAIL. I owe {$30000.00}. I got them to consolidate 24 loans into 14. That was the best they can do since there was so many. They don't even know how it reached to that many. After hearing about what was going on with XXXX, XXXX was under fire as well. So instead of closing there doors all they did was rename their school to XXXX College which now is closing there doors as well. I've tried fighting and reasoning with XXXX XXXX about my case but they tell me because I make good money I should pay it back. It took me 2 yrs applying to a hospital here in California were my job title is XXXX XXXX. My role is to XXXX XXXX XXXX XXXX XXXX XXXX but my main role is to XXXX XXXX XXXX. My degree in college was XXXX XXXX. I'm the main income in my house. I take care of my mom, little sister, my XXXX yr old son and husband. My mom is on XXXX and only gets {$500.00} mth. The XXXX XXXX wants me to pay {$310.00} mth in which I can't afford because I'm only guaranteed 24hrs at my job and try to pick up 2 extra days. So tell me is it my fault on the colleges mistakes on 24 different student loans and because of that as well my credit score is not so good either but I'm doing my best to keep in good standings.
I notice multiple inquiries from the following companies on my credit XXXX XXXX ... .XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ... XX/XX/XXXX & XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  ... .XX/XX/XXXX XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX
We financed an auto Ally and we were excited. A year into our loan we lost our jobs and tried to maintain paying for all of our expenses. We called into Ally trying to salvage our loan and explain our situation. They refused to work with us or give us options to retain our vehicle. We ended up have the car repossed after months of trying to maintain our good standing with Ally. We have been trying to pay down the outstanding balance owed but Ally refuses to give us affordable payment options or give us a pay off balance. On two separate occasions they have asked a judge for permission to wipe out our acts leaving us with less than XXXX to survive on. When we call we can not get through and if we reach a live rep they continuously tell us how they are owed the money. We want to pay off our debt to them but we do not know the outstanding balance. We need real answers in order to hold up our financial ends.
This is a follow up to Complain # XXXX, regarding a fraudulent application submitted to Chase Bank via Amazon.com, under my social security number. Chase has ran a new credit report on me, as of X/XX/2017.  Despite the fact that I have a fraud alert on my social security number, I was not contacted by Chase. When I called to discuss this with Chase, they informed me that they only call the customer in the event that the account is approved. They also would not tell me why the account was declined. Also, all of the credit inquiries from the previously submitted fraudulent applications are still on my credit report. Chase has done nothing to resolve these issues, as it continues to happen at least every 30 days.
I had a loan with another company. The company sold the loan innovative. Innovate forced me to pay the loan every two weeks on my pay day. They never allowed me to pay monthly and they charged me the highest interest rate. My credit score was XXXX and I didn't understand why. I was able to refinance the car for only 5 % I've been trying to get the title released and the representatives took over 2 months. The bank has called and my wife. I've even sent in a payment because of the long process. One of the representatives at innovate agreed that it appears that they are trying to keep the loan. I almost lost the approval. Innovate said they would not damage my credit. Which they did damage my credit. It is still showing on my credit report that this account needs attention and it's open negative.
My mother passed away in XXXX 2015. Wells Fargo immediately contacted me regarding mortgage and what were my intentions regarding her estate. I told them I would like to sell the property. I had to go through probate. While going through probate I got a purchaser for a regular sale. All information I forwarded to WF. I could only talk to what they referred to as 'Reverse Mortgage Specialist '. I started receiving foreclosure notifications. Was told by the specialist to ignore them that I had to just keep the specialist informed of my intentions. They would ask for me to resend information that I had already sent. I finally asked the specialist where was the information I sent last month? I was told that the information was forwarded to another department and they were not aware of what the other department did with it. Every month I sent a letter asking for an extension or postponement and why. I even went to the Consumer Affairs foreclosure agency. They talked to them and sent letters on my behalf. I was at the end of escrow about to close ( all information I sent to WF along with paperwork ) and asked for one postponement so that I could make sure everything closed properly. This was XX/XX/XXXX, home was scheduled for sale on XXXX XXXX. On Friday XXXX XXXX WF sent me a letter thanking me for my patience saying that they were sorry for taking so long to get back to me but, they had denied my short sale due to the appraiser could n't gain access. I had a regular sale and the house had already been appraised. Well, on Monday XXXX XXXX my mothers/family home of 40 years was sold at auction, to the surprise of everyone. it was purchased at auction for just {$1000.00} more than what my sale price was. 
Now, all anyone can say is sorry! I have been served with eviction notices but, am still here. 
I will not give up my family home without a fight. The home sold to a big corporation. I have hired a lawyer to see if sale can be rescinded. I know it 's next to impossible in California but, I will continue the fight. This has got to be stopped. I 'm going to all government agencies, everywhere. I called HUD and was told in reverse mortgages the heir has up until a year to acquire property. I did n't get a year. At the end of 6 months I was given postponements not 90 day extensions. Wells Fargo was wrong and be held accountable for its wrongful acts.
Equifax has been notified multiple times by phone, fax and website via the dispute link of account ( s ) that are appearing on my credit report due to fraud. They have been provided law enforcement reports ( ie., police reports, FTC , etc. ), dispute letters and other supporting documentation to prove my identity. They have constantly failed to resolve the matter and furthermore investigate. The account ( s ) being disputed as fraud are : XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX Acct # XXXX ; XXXX Acct # XXXX, supporting documentation to support my claim has been provided to them. They state that " the information means nothing, if the creditor does n't respond they ca n't do anything. '' Time after time, I have disputed the account ( s ) and all the times, I receive a notice the following day stating " update, account remains. '' They are doing nothing to investigate nor help the consumer at all, that is my right as a consumer and their job as a data furnisher and/or credit bureau to investigate and rectify the matter.
i had a pay day loan with a company called XXXX XXXX. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( API Recovery Solutions ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment
The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security XXXX so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.
This credit card was made when I was a minor, I was not aware of this made until years later. I thought I had resolved it when I reported it a two months ago but it continues to affect my credit score and continues to request payments.
Transunion is reporting an account from XXXX XXXX that is reporting inaccurate information on my credit file. Transunion refuse to conduct a reasonable investigation into the erroneous reporting from XXXX XXXX. Transunion is reporting from XXXX XXXX an incorrect account status stating " Account included in chapter XXXX bankruptcy ''. 

As of XX/XX/2018, I do not have a Chapter XXXX or XXXX Bankruptcy listed on my credit report ( Public Records ).
XXXX   XXXX   XXXX  is working m behalf of   XXXX   XXXX   XXXX  s and they illegally reported to transunion that i owe them money. I disputed this with transunion and they still allowed them to stay in my credit report. My state attorneys office has already fined this company and they are not licensed lenders and transunion still allowed this to stay on my credit report, unlike  XXXX  and  XXXX
I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ PNC Bank in New York. I advised them I 've never had an account with PNC and filed a complaint with PNC directly today XXXX XXXX, XXXX. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.
Continuous calls from XXXX XXXX, and Portfolio Recovery. They have never sent letter describing what calling for. I owe no debts that are n't Time barred. Therefor they are trying to collect on time barred debt or false debt.
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
I called XXXX today around XXXX and spoke to a gentleman. I advised that I was a victim of Transunions Inquiriy Issue and I needed specific inquiries removed. The inquiries I advised need to be moved are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto 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 XXXX XXXX XXXX XXXX of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My father and I have the same name. I am a "  XXXX  '' and the collection agency was trying to collect a debt from me that was not mine, rather my father 's. I have called the collection agency as well as the credito r (   XXXX   XXXX   ).  They called the situation " skip tracing ''. This was never my debt, but is effecting my  credit score. I just want it all to vanish to raise my score back up.      Thank You
I have been separated from XXXX XXXX XXXX XXXX since the beginning of XXXX XX/XX/XXXX living with my grand farther in XXXX NC XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XXXX XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



XXXX # XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date XXXX Balance : $ XXXX # XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX XXXX Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Gold Key Credit, inc Re : Account # XXXX This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU {$940.00}. 
By not replying in a timely manner to my initial letter also A debt collector is required to send you a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money. you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXXSSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Had subizied and unsubsizied loans of about {$33000.00} total from XXXX and XXXX XXXX. When graduated from XXXX, couldnt afford payments and Navient was my loan servicer at time. The only option they gave me was deferment and forberance for many years. While accumulating interest rates. When i was out of those options they informed me to switch to another provider to get an income based plan. Which would be federal loans. I swtiched and have an additional XXXX dollars in interest. I was not given an option of ibr plan through Navient. During the forberance time, I decided to go to XXXX XXXX for XXXX. Better job to help pay back the debt. These loans/interest have been a thorn on my side for years. Help. I owe currently about {$420000.00}.
I 've been receiving calls from : XXXX XXXX XXXX https : //XXXX Direct Line : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Processing Dept : XXXXXXXXXXXX Customer Service : XXXXXXXXXXXX Customer Service : ( XXXX ) XXXX She attempted 4 times to reset my FSA ID and requested me to give her my password and login information, when I told her I felt uncomfortable giving this information, she said " I have no desire to steal your identity '' ...
I bought a car and took out a loan in XX/XX/2018. I received a letter from XXXX XXXX today, XX/XX/2018, stating that my XXXX credit score was about 200 points lower than my XXXX  credit score. I was rejected for a loan because of this, and my credit score from a more reputable source ( XXXX ) took a XXXX point hit. XXXX did not provide a reason for the discrepancy, and contacting them would require me to send copies of personal documents, like my social security card and my driver 's license, through the mail. To the best of my knowledge I haven't had any delinquencies or late payments. There are many others who have had the same experience, and I do not trust this company enough to send them any documents. The score they gave me is extremely inaccurate, and I worry about future credit problems.
my mortgage remodification was approved XXXX yrs ago. initially when I signed the contract there was an error in the document and months later they called me in to resign it for the XXXX time. now XXXX yrs later they told me I need to resign it again. which I did for the XXXX time. I was told in writing by XXXX XXXX if I did n't sign it they would not let me make any more pre payments to my sub loan. ( this is in my contract that I can make any prepayments with no penalty ) .so I would n't have any problems later, I signed this for the XXXX time. they also brought me a paper to sign to get an EIN # I am XXXX yrs old and do n't know why I would need this but I signed it anyway. I was also told in writing that I would receive a check for {$500.00} for my trouble which I never got. Now they are calling my home everyday asking me to do it again for the XXXX time. the bank calls my house everyday they went as far as to send a representative here last week with the same paperwork again which he left with my XXXX yr old grandson who said the representative took pictures of the front of my home. this is ridiculous I refused to be upset with this anymore and in turn the bank has now blocked my access to my online mortgage payment option. when I press to make a payment on my loan the screen reads that I am not able to use mortgage pay on the web at this time and gives me a phone # to call. when I call the number they tell me that I have to speak to my acct manager and I am sent to voice mail. this is a lot of aggravation for someone my age. in addition since the modification has been in effect in 2013 I have never missed a payment or been late and each month for at least a year I have been paying XXXX months at a time. I feel this is harassment and I would appreciate any help or advice you can offer.
XXXX XXXX contacted and would not identify who they were after I demanded it at least 3 times. They stated they were a law firm representing their company. They threatened my with taking me to court, which would result in costs over {$5000.00}. I also received a call from a so called process server asking I would be home between certain hours on a specific day, she never called or showed up as se said she would. I contacted the so called complaintent as well as my bank. Not only were there not any deposits made on the day they stated their client made, but there were also not any further attempts to get their money according to my bank. I also called the complaintant, Castle Payday, who changed there name to Big Picture Loans. They informed Funds, which is definitely not XXXX XXXX! I feel scammed and bullied and into trying to set up a payment plan with someone I did n't need to! SOOO ANGRY!!!
XXXX XXXX XXXX is trying to collect on a debt for XXXX that is not mines. I do not have a contract with this company or any debt with this company.