WillisBack/dataset-financial-user-claim huggingface dataset:
MADE THE HUGE MISTAKE OF ATTENDING XXXX XXXX   XXXX ALABAMA CAMPUS. THIS SCHOOL DID NOTHING BUT ROB US EVERY SEMESTER AND MAKE US BRKEN PROMISES. ON XX/XX/2014 MY FATHER DIED UNEXPECTEDLY. I CONTACTED EACH OF MY PROFESSORS AND INFORMED THEM OF WHAT HAPPENED. DUE TO THE FACT THAT I HAD TO PLAN THE FUNERAL ALONE AS WELL AS HANDLE ALL OTHER THINGS THAT HAD TO BE HANDLED I CONTACTED EACH OF MY PROFESSORS TO INFORM THEM THAT I WAS NOT MENTALLY ABLE TO TAKE MY EXAMS. I WAS GREETED WITH NASTY EMAILS AS WELL AS PHONE CALLS. MAINLY FROM JUST ONE OF MY PROFESSORS. MY MATH PROFESSOR AT THAT TIME WAS EXTREMELY NICE AND WAS WILLING TO WORK WITH ME. THE OTHER WAS NOT SO NICE AND SO I REACHED OUT TO THE PRESIDENT OF THE UNIVERSITY AND THAT WAS A HUGE MISTAKE BECAUSE FOR THE PAST ALMOST FOUR YEARS THIS " PERSON '' HAS LIED TO EVERYONE INCLUDING HIMSELF. AFTER BEING MET WITH SUCH HATRED FROM THE STAFF AT XXXX UNIVERSITY I REACHED OUT TO THE DEAN OF STUDENTS WHO OFFERED TO PROTOCTOR THE FINAL EXAM AND YET THIS " SO CALLED PRESIDENT '' DID NOTHING TO MAKE IT HAPPEN. AFTER I COULD NO LONGER TAKE ANYMORE HATRED FROM THIS UNIVERSITY I SET THEM ALL A EMAIL ( PROFESSORS AND PRESIDENT ) AND I WITHDREW FROM THE UNIVERSITY. LATER I RECEIVED A BILL FROM THIS SCHOOL. I CONTACTED THEM ( XXXX ) AND WAS TOLD THAT I COULD DISPUTE THE CHARGES AFTER I TOLD THE REP WHAT HAPPENED HE ENCOURAGED ME TO OPEN A DISPUTE AND I DID. THE PRESIDENT OF THE UNIVERSITY CONTACTED ME AND LIED ... I WAS TOLD THAT THE ENTIRE SEMESTER WOULD BE FORGIVEN. AND THAT HE WOULD HAVE MY TRANSCRIPT SENT TO XXXX UNIVERSITY. NO REFUND WAS EVER DISCUSSED AT THAT TIME. I WAS NOT EVEN EXPECTING A REFUND. WELL TO MY SURPRISE THEY SENT ME A PARTIAL REFUND FOR THAT SEMESTER. CURIOUS I ASKED THEM WHERE WAS THE REST OF THE MONEY FOR THAT SEMESTER AND HE ( PRESIDENT ) LIED AND SAID THEY SENT IT BACK TO THE DEPARTMENT OF EDUCATION. AND THAT HE HAD A WRITE TO CHARGE ME WHAT THEY SENT BACK. NOW THE MONEY THEY DID SEND BACK THE PRESIDENT WANTED ME TO SEND IT BACK TO THEM TO PAY OFF THE OVERCHARGING THEY HAD DONE THE SEMESTERS BEFORE. NO MONEY HAS EVER BEEN SENT BACK TO THE DEPARTMENT OF EDUCATION. THIS COMPANY IS STILL ASKING FOR OVER 5,000.00 AND THEY STILL HAVE GRADES DOWN FOR THE SEMESTER THEY CLAIM WAS FORGIVEN. THIS COMPANY HAS HURT AND OVERCHARGED ME AND OTHERS FOR SEVERAL SEMESTERS. I RECENTLY CONTACTED THEM AND THEY WERE NASTY AND COULD NOT EVEN GIVEN ME ANY ONFORMATION. I HAVE BEEN CALLING THEM SINCE LAST YEAR. THEY HAVE ROBBED SO MANY STUDENTS ANS STILL CONTINUE TO EXPECT US TO PAY THEM FOR BROKEN PROMISES AND THE FACT THAT I MISTREATED AND CHARGED FOR HAVING A DECEASED FATHER. THIS SITUATION STRESSED ME SO BADLY THAT I COULD NOT EVEN GRIEVE THE DEATH OF MY FATHER. THIS SCHOOL AND COMPANY ( XXXX ) HAS LIED TO MAKE THEMSELVES LOOK GOOD WHILE TAKING ADVANTAGE OF STUDENTS AND THEIR EDUCATION.
On XXXX XXXX XXXX I sent Transunion a certified letter demanding the company disclose to me all of the documents they have recorded and retained in their file at the time of my request concerning the listing of XXXX XXXX XXXX/XXXX account numers XXXX, XXXX, XXXX, XXXX, on my credit report. The company willfully neglected to address my concern and continue to report the erroneous item compromising the integrity of my credit file/credit score. The company neglected to provide me any documents or any response pertaining to the above listings. Instead on XXXX XXXX XXXX I received a generic response via mail that blatantly disregarded my request and addressed other accountsI disputed advising me my request had been verified. Unfortunately I am still without any documentation that would substantiate their claim or any paperwork that would give them any right to report this incorrect information. I am requesting the items be removed from my report immediately.
I checked my credit report in XXXX, XXXX, and found a collection account ( account number is XXXX ) that I was unaware of, as no notice had ever been sent. When I contacted the company, I asked on XXXX separate occasions for documentation supporting the amount they claimed was owed. ( I did not dispute the validity of the debt, just the amount. ) Both times I received a billing statement from the original creditor, XXXX, but never any itemized information, nor the original credit application. Finally, I agreed to pay the amount in full, if they would remove the item from my credit reports. They agreed, and in XXXX, XXXX, I paid the account balance in full and was told that the item would be removed from my credit report within XXXX business days. It is now almost XXXX, the collection account is still showing with all three credit reporting agencies, and I have disputed it multiple times with each agency, and it is still being reported as accurate. Recently, I wrote to each agency demanding documentation supporting this being on my file, pursuant to section 609 [ 15 U.S.C 1681g ], and it was treated by each as a dispute, with the documentation never provided. ( These are separate  complaints. ) I feel the company has both a legal and ethical obligation to remove this account from my files with all three credit reporting agencies. Their failure to do so will leave me no choice but to include them in future complaints to my State 's Attorney General concerning this, and other matters with the credit reporting agencies, should the CFPB fail to enforce the FCRA.
In XX/XX/2107 Mr. Cooper conducted an escrow analysis and stated that I had a surplus of about {$3500.00} and would not dispense the surplus because the account was under a disaster forebearence. Six months later, the conducted another analysis and claimed that I was short and sent a check in the amount of {$2300.00}. They applied the check to the principal instead of the escrow. I have called mutiple times to resolved the issues and they have not resolved. They are now saying they will reverse the {$2300.00} to the escrow account. However, they escrow surplus was applied, yet they are not desmonstrate where the {$3500.00} was applied, either to the principal or the escrow account.
Unknown pay day loan from XXXX XXXX XXXX. Calls multiple times a day and phishes number to show up as local callers.
Please know that I was not late on this account. I wonder why XXXX, XXXX  and Transunion report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
On XX/XX/XXXX, I checked my XXXX credit report and Midwest Recovery Systems showed up on my credit profile this was recently put on my credit profile without any knowledge on my part. This is supposedly from a payday loan company, XXXX XXXX XXXX in the amount of {$200.00} - first date of delinquency is showing XX/XX/XXXX. XXXX XXXX has failed to notify me before placing this alleged debt onto my credit which is a FRCA violation. I have not received any communication from this company by phone, email, or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I do not have any knowledge of this account this account was reported to all credit bureaus drastically and negativity affecting my credit. I did not receive anything notify me of this debt nor did I have the opportunity to challenge the debt. I would like proof of my signature, or some type of proof showing ownership from his debt. I am currently in the process to buy a home and this company is delaying this process, due to this appearing on my credit reports. I am also going to dispute with credit bureaus, and file complaint with the XXXX.
On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.
I have a credit card account with XXXX XXXX. I have two bank accounts set up for my monthly payments. Back in the fall, my daughter 's XXXX account was compromised on a game and charged over 100.00 in XXXX charges. I filed a fraud claim and the money was refunded and then recharged to my account. I asked for this to be updated and resolved through the resolution center numerous times to no avail. 

Then I paid an account with XXXX XXXX for XXXX and it was charged to a Paypal account instead of a XXXX XXXX account. We do not have a Paypal account, we did not sign up for this nor have we ever used it. They tried to take money out of my accounts 3 seperate times, which resulted in XXXX fee each time for a total of XXXX. I asked them to resolve this error for 3 weeks straight. Paypal then credited my Paypal account ( which I do not have ) with the XXXX and left me to pay the remaining XXXX. 

I contacted XXXX XXXX and Paypal never paid them, therefore I paid the balance due to them immediately. 

Paypal will not let me remove my bank accounts as well. The system always says error. 

so Paypal has me paying XXXX for nothing and did not credit my account correctly. I have asked numerous times for this to be corrected and now received a collection notice for XXXX which is not even my charge.
Hi, I have a XXXX account which I had been using successfully for a few months. My last transaction sent to XXXX was for XXXX on the XX/XX/XXXX which successfully went through. 

Just before the money arrived in my XXXX account, I found that I could n't login and that my username or password was incorrect. After attempting to gain access many times ( I know the password ) I went for a password reset which, again, did n't help. 

Now it says my account is disabled and to contact support, who have not replied and are of no help at all. I 've tried contacting them through all of the different channels, and they are not responding. I do n't know why my account is disabled, I do n't know how to get it reactivated and they have my money. I feel like XXXX is a complete scam. 

Please help, I 'm not sure what to do now. 

Thanks, XXXX
I applied for an XXXX XXXX card, online, to buy a ticket. I was approved on XX/XX/ online, and received email confirmation, and then went to purchase a ticket online. There were problems with the server and I had to reach out by phone to, XXXX XXXX and XXXX XXXX complete the purchase. I was told I had a credit under my name. The credit was from a ticket purchased by another individual under my name. I was scheduled to use my ticket onXX/XX/XXXX. I had to cancel the flight on the XX/XX/XXXX. I was told I had until the twenty seventh of that month and this year to use my cancelled ticket or loose all benefits of that purchase because it was a 're-ticket from someone else purchase, under my name. I was shocked and said that I had all paperwork on my purchased non-refundable ticket and there was no langue or disclosures or ticket numbers to assert the claim they, XXXX XXXX, were making. I called my credit card company and opened a dispute for fraud and misleading information on or about XX/XX/. This was after several attempts to contact Citi Bank about the incident with XXXX XXXX with no response from them. They requested information with I sent showing and validating my verbal account of what transpired, issued a provisional credit only to Send out notification on XX/XX/2018 stating that the provisional credit was taken back because the " merchant did not accept my cancellation ' and I would have to call the merchant. Called XXXX XXXX XX/XX/2018 and they have cancelled the ticket and refused to send me copies and told me I could email their customer relations. Fraud, fraud, fraud. Please if you need more information I will provide it. Both of these companies have acted fraudulently and together but acted as separate.
The day of XX/XX/XXXX I went to Gap at the Mall XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I was asked if i was interested in getting a Gap credit card, I said yes! 
They made a credit inquiry check on my credit and I was approved. 
They gave me a new Gap credit card! 

I came back the day of XX/XX/XXXX for shopping at the same Gap Mall at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. They ask me if I have a Gap credit card I say yes but I didnt bring it with me, I left it home. They ask me to just give my phone number, name and all informations so they can find my credit card, I give them all the informations. They told me they cant find my credit card, so I may not have one. I told them i do have one, its at home. I didnt understand why they couldnt find my information on their computer. 

They use all the information I gave them, instead of finding my Gap credit card information, they made a second time a credit inquiry on my credit. A week later I received a second credit card form Gap. 
Which is not good for my credit report. 

I call the company and tell them what happen and needed to be fixed, they told me their is nothing they can do about it. When it's done, there's nothing they can do. 

I want XXXX XXXX to take full responsibility of what they did to my credit report and fix it as soon as possible. 

Thank you
I deposited a check for {$5000.00} on XX/XX/2017. It cleared my other bank on XX/XX/2017. Bank of America, however, sat on my funds for seven business days because they claimed that " check specific information '' indicated it was not collectible. This was a major inconvenience to me. I would like to know exactly what " check-specific information '' told them it was uncollectable under the Expedited Funds Availability Act. I await their response.
I have tried on multiple occasions to setup repayment options for my student loans with Navient. They have never once done anything to help me resolve this debt. When I attempted to make payments in the past my payments were rejected, but once I submitted a higher payment they were accepted. I 'm a single mother on a fixed income, Navient has failed to help me this destroying my credit. They have failed to consolidate my loans, defer any of my loans or do anything to resolve the issue other then send collection letters in the mail for extreme amounts of money I can not afford to pay.
I HAVE TRIED TO APPLY FOR A LOAN MODIFICATION SEVERAL TIMES WITH OCWEN, I NOW HAVE A SALE DAT OF XXXX/XXXX/2016 WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE TURNED IN ALL MY REQUESTED DOCUMENTS MORE THAN ONCE, THEY SOMETIMES SAY THEY DIDNT RECEIVE THEM SO I AM FORCED TO RESEND THEM AGAIN. AFTER TURNING IN ALL MY DOCUMENTS I STILL DO NOT RECEIVE ANY HELP AND WHEN I TRY TO SPEAK WITH MY CASE MANAGER THEY ARE NEVER AVAILABLE! PLEASE HELP ME SAVE MY HOME!
I have been back and forth with this compan y Midland Funding for  an original amount of  XXXX  in which I was forced to make payment arrangements in fear of having a judgement against me. I have attempted to send a dispute letter in which i will attach and resend out to the company again. I have signed no such contract with this company over the alleged debt, nor do they possess anything with my signature. At this point I am asking to be sent a valid copy of any contract that bears my signature to confirm that I owe them anything because as i stated i have no knowledge of this company besides the summons that i received from them. The only contact that I did receive was from a summons that was sitting on my door in which my daughter had given to me.They never responded to my initial dispute letter that was sent out but this one will be sent certified mail.
I have made my student loan payments on time for the full amount since I got out of school. I have several different student loans based on the years in school and I have XXXX loans being serviced by AES ( American Education Services ). The loan issue that I am complaining about is being serviced by AES. On XXXX/XXXX/15 I went on their website and submitted an ACH payment change request. The notice that was on the change request says the following " Your existing Direct Debit agreement will be stopped. By submitting a new agreement, we will not debit your monthly installment until the new agreement takes effect. Processing the new agreement may take up to 3 days during which time you will not receive the interest rate reduction ( if applicable ). you may be required to submit payments manually until you receive notification from us stating when the direct debit service will resume. '' After reading that statement I set up a manual payment to ensure my payment would not be late. The ACH payment change request I submitted was for an increase of {$490.00}. Despite the fact that the notice said my existing direct debit agreement will be stopped AES took out my normal direct debit amount and the manual payment ( in essence 2 payments instead of 1 ). After a month I received no written or verbal communication from AES so I called their toll free number and inquired as to why it was taking to long to make a simple payment change and I was informed that " it had to go to a payment change committee to decide if they will allow me to have my payment increased. '' I was baffled that they would possibly not allow me to pay additional money so that my loan can be paid off sooner. They told me to wait longer and I would receive a letter within a couple weeks. After another month ( now 2 months after the initial request was submitted ) I still had not received any communication from AES so I called their toll free number again and spoke to employee ID XXXX who besides being quite rude said they could n't determine what the problem is with my request. He guessed that I should submit a manual form and mail it in. After I explained I already submitted a form 2 months ago online he said that I should just mail a form in ( despite not providing a form ) and said that the website was broken. I did not want to mail in a form for security reasons as the electronic form is more secure which is why I originally utilized their online account. I asked what he could do to fix the situation and all he said it submit more paperwork and see what happens. I asked to speak to the office of the president and a representative ( employee ID XXXX ) took my information on what I wanted my new payment to be and said he would send it to the ACH department for them to review. The representative said they would try to get back to me within 7-10 days. This issue is still not resolved and it is making me feel as though they wo n't increase my payment which will allow me to pay my loan off sooner since that will decrease the amount of interest they receive on the loan. I wish I could request a loan transfer so none of my loans are serviced by AES!
In XXXX my wife, XXXX, and I obtained a Pick-A-Pay mortgage from XXXX which was acquired by Wachovia Bank and finally by Wells Fargo Bank. In XXXX Wells Fargo Bank consented to a special loan modification XXXX XXXX XXXX to satisfy a class action lawsuit alleging fraud. The New Jersey Attorney General 's office reached a similar agreement with Wells Fargo. The XXXX would have eliminated accrued interest payments and would have eliminated some principal. In my case, shortly before the new modification was announced, Wells Fargo forced me under threat of foreclosure to accept an ARM which had sharply increasing interest rates. I could not keep up the payments..I was informed by the folks running the XXXX settlement that I was eligible. Wells Fargo refused since the settlement contained language that precluded folks who obtained another mortgage from participating. I allege that forcing me under threat of foreclosure to accept the extremely costly ARM constituted fraud since Wells Fargo knew that the modification agreement precluded receipt, of the XXXX after another modification was consummated. I am presently in foreclosure. I have filed an appeal, but a sheriff 's sale is imminent.
On or about, Thursday, XX/XX/XXXX, I placed an order for phone service with XXXX XXXX XXXX XXXX online, order number XXXX. I called the store that I selected to pick my order up from and was told that their system was running slow, and they would get to it shortly, once they received it. Shortly after I ended the phone call, I received an email from XXXX XXXX XXXX stating that they had a problem placing my order and to give them a call. I called and had a ton of issues so I just went into the store, and I was told that my social had a fraud alert and I need to call to verify my identity. I called and was told that they could not approve my account because I had too many discrepancies on my credit report. I was then referred to the Equifax Utilities Department. When I spoke with them, I was told that I had two discrepancies, my address and date of birth. I was told to send a copy of my drivers license and either a bill or my lease agreement so they could update my information, and the entire process would take 48 business hours. To confirm that I was thinking the same thing, I asked if I send it tomorrow, which would have been Friday, XX/XX/XXXX, it should be completed and updated by Tuesday, XX/XX/XXXX, and they said yes. On or about Friday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed over a copy of my drivers license and lease agreement to the fax number provided to me, along with a cover letter to explain the situation. When I called on Tuesday, XX/XX/XXXX, I was told that they did not have my paperwork and I had to resend it and it would take another 48 hours. On or bought Wednesday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed my information to them again. On or about Monday, XX/XX/XXXX, at approximately XXXX XXXX, I called again to get an update, in hope that my information was corrected on my credit report so that I may go purchase my new phones soon, but much to my surprise they still do not have my paperwork and I was told to resubmit my documents. This situation I find to be very distasteful and frustrating. I do not appreciate it as I am a combat veteran and I should not have to be treated this way by any business. This has caused me major inconvenience as I am still having to wait to get my phone service because they will not update my date of birth.
I opened a HSBC choice checking in XXXX through a sales rep over the phone and was confirmed that I was eligible for a {$350.00} promotion offer for opening the account. 4 months down the line, I even got the rep at HSBC acknowledge that I was guaranteed to get the {$350.00} and that I could store his chat for records. Today, I received an email from HSBC stating that I had a credit card that they closed in XXXX due to non activity. I was informed that because of a credit card that I became ineligible for the bank promotion. This was never informed during account opening and it seems like a bait and switch on the part of HSBC. If it was an issue, why wasnt i informed when I opened the account when I gave my SSN and all other supporting documents to open my bank account. I should have been ineligible at that time as well but on the contrary they even confirmed that I should get my bonus by XX/XX/XXXX. I would like to get my {$350.00} promotion
Under the new law effective XXXX XXXX 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.
XXXX # XXXX ( macys ) On XX/XX/2016 I send a debt validation letter XXXX # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed XXXX # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.