WillisBack/dataset-financial-user-claim huggingface dataset:
In 2007 I XXXX with an XXXX degree. Since then XXXX was purchased by XXXX XXXX and now they too, out of business.. The XXXX location that I went to was sued and found to have given fraudulent placement rates and graduation rates. 
My private loan listed on Navient is at {$49000.00} and not only can I no longer afford this, I do n't feel like I should be paying for a worthless degree and education that I chose based on their lies. 
The other issue is they have the completely wrong school listed on my loan. They have the XXXX XXXX XXXX XXXX, which I have NEVER attended. 
A lawyer suggested I reach out to this agency for info and assistance. Thank you for your time and any help or advice you may be able to provide.
I had issues while trying to make my payments online for my cabelas credit card I was assured that my payment went through over the phone but in fact it never did. I called again after I found out that my payment was over thirty days late via my credit report. Ive disputed with the credit bureaus and that didnt work. The first time I called I was told that no late payments were in their system. The latest time I called I was told that there is two late payments. I should not be faulted for issues with online payments and poor customer service. I closed my accounts as soon as problems started to occur. I will close my second capitol one acount as soon as I pay it off. I will not use them again.
I made a deposit of 4 money orders, with {$390.00} each over the counter on XX/XX/XXXX ( Saturday ) at the Regions XXXX XXXX  branch, XXXX GA XXXX. However, on XX/XX/XXXX it was showing one money order was declined and only three were deposited and posted onto my account. I went to the branch, asking for the reason. A lady with manager title gave me a Refer to maker notice and asked me to contact the money order issuer, XXXX XXXX to see whats going on. She refused to start an investigation. 

I spent a lot of time and paid to request a customer trail research document, and it came back saying it was declined because the money order was presented by the same bank more than one time on the same day and it was paid off upon the first attempt. It must have been the clerk who tried to cash it made a mistake. 

I went back to the XXXX XXXX on XX/XX/XXXX. Someone helped to find the image of the declined check was duplicated in the system, which means another money order was not scanned and cashed. 

If the previous manager would pay a little more effort to go through the scanned images on my first visit, I wouldnt have spent so much effort and suffered from the stress of losing my money, and I wouldn't have paid just to prove that it is a fault of some one at the Regions XXXX XXXX branch
I am continuing to receive calls from this company ( as recently as XX/XX/2018 at XXXX/XXXX XXXX  ). My bankruptcy discharge has already been gone through. I'm continuing to have calls ever since a " XXXX '' called XX/XX/2018 at XXXX.
the listed personal information is incorrect and needs to be removed and changed. 

The information on CDL is current and correct. 
and my employer is self employed at XXXX XXXX XXXX XXXX XXXX ca XXXX
Ditech Financial, LLC In the past 2 years documents for a modification have been submitted. The current requests to keep resubmitting documents have been ongoing since XX/XX/XXXX. The first submission was XX/XX/XXXX-XX/XX/XXXX no response was ever given to us. 
As of this month we were billed over XXXX for an escrow shortage. We need to have explained to us this outrageous increase when our tax bill is only XXXX. 
Since our mortgage was resold to Green tree our mortgage has increased to XXXX from approximately XXXX.
XXXX sent my name to a collection agency saying that I owe {$300.00}. There was a
PRIOR TO SIGNING AGREEMENT REQUESTED A FAMILY MEMBER NEEDED TO SUMMIT AGREEMENT WITH RENT .APPROVED LOAN WITHOUT ADDRESSING OUR FAMILY INCOME FOR BENEFITS FROM DISTRICT OF COLUMBIA FOR XXXX AS WELL AS XXXX SPOUSE.NONCOMPLIANCE WITH ASSISTANCE ADDRESSING CONCERNS FOR GRANTS ELIGIBLE FOR.PURCHASED LOAN FROM XXXX WITH VERY HIGH ADJUSTABLE RATES.NONCOMPLIANCE ASSISTANCE FOR HOMEOWNERS ASSOCIATION FOR TAX CREDITS.XXXX WAS LAST EMPLOYER.SECTION CONCERING XXXX. NEGATIVE REPORTING REQUESTED COMPLETION WITH ANOTHER MODIFICATION ONLY TO TRANSFER TO ANOTHER LENDER. WHICH WAITING WAS TOLD NOT TO MAKE PAYMENTS ONLY TO CONTINUE WITH ADDITIONAL LATE FEES ETC.
This company is attempting to locate me. I tried to call and was told the person was unavailable. This compa ny CFS ( Commonwealth Financial Systems ) co ntacted my brother who resides in a different state. The representative was rude and used profanity. The company 's address i s Commonwealth Financial Systems    XXXX   XXXX   XXXX   XXXX   XXXX  , Pennsylvania  XXXX  I will leave a message for this company to not call me or my family as of   XXXX   XXXX   XXXX    . I have never received any documents or correspondence in regards to their alleged dispute.
Equifax is reporting items on my file that do not belong to me. Someone opened a Citi card in my name and charged up {$3000.00} as well as went to get medical care. I have sent them the identity theft report as well as police report all they do is say verified without sending me any contract or anything with my signature. They are also reporting a Judgement that does not belong to me. I told them these items do not belong to me. Equifax continues to ignore me.
My mortgage service provider ( Bank of America ) has informed me that they will only accept a cashier 's check or money order for payment of my mortgage.
In XXXX, I started to notice large sums of money was missing from my bank account. I would call and report it and some of the items were credited to my account. Then I noticed transactions performed that I never did and did n't even have a destination. Checks that were presented were returned allegedly and then I see that they cleared in my account. Deposits made did not reflect in the account and some deposits were made to appear as withdrawal transactions. It started to get worse in XXXX. I had no idea what was going on ad how they were doing this. I noticed several transactions electronically made to stop and shop. I called stop and shops corporate office and they told me no electronic transactions were made or returned. I called telecheck who clearly state to me " it 's your bank ''. I then filed a police report with the local police who did nothing to investigate it. I was told all the transactions had been refunded. I made two deposits one day apart in the same amount of XXXX one of which was a check and another which was a check for XXXX and the rest in cash. These were funds from my home burning down and donations were collected. The cash deposit had disappeared and the check was put on hold, cleared the hold and then a check came in and they still returned it. I went to close the account and was told by the branch manager it was closed. They then put through the same check again overdrawing my account and taking my XXXX XXXX payments for me and my children. I was told everything was to be credited. In XXXX I was told they were going to close the account. That was fine because I already did. Meanwhile they opened anther account performing erroneous transactions. There were transactions made when at ATM 's when I did n't even have a debit card because the ATM machine took it. I contacted the corporate headquarters numerous times speaking with XXXX XXXX a customer advocate who was of no assistance she would not return the missing money. It is thousands on top of thousands saved during my 9 month trial work period. I recently ordered my statements again to see what the transactions were reporting as and they are all totally different from the original statements. All of the money refunded was taken back. The other account they opened they sent a letter saying they could n't find the other account information. Bank of America legitimately stole a XXXX single mothers savings!!
I had a Macy 's credit card. The account had gone into collections in XXXX. On XXXX, I called and offered that I would pay off the account in full -- however, only with the condition that Macy 's agreed to then request the XXXX credit bureaus delete the account from my credit file. The agent, XXXX # XXXX told me that if I paid the account off in full, I could then submit a " credit bureau dispute '' to their office, at fax # XXXX and request a deletion, after which they would delete the account. I paid the full balance of {$320.00} and I sent the credit dispute to Macy 's office by fax on XXXX. I called on XXXX. The agent said that they completed the review, but mailed the response to my old address. I requested that it be sent to my new address. She refused. She also said that they declined my request. Thus the initial Macy 's agent falsely promised that if I followed the steps outlined, they would delete the Macy 's account from my file. It appears that he lied in order to get a commission on the payment. This is dishonest.
On the date XX/XX/2018 Chase turned off my credit card and didnt give me a reason why. They closed my account for no reason. I only had XXXX cents but they said I can never open and account with chase again. They didnt even call to let me know. They turned off my account and waited for me to see that it was turned off.
I received a XXXX 's XXXX XXXX that looks as though it goes through a financial institution called " XXXX '' ( this seems to be their website : XXXX ). The problem with this advertisement, I guess I would call it, is that it has a card number and my name pre-printed on the card. It also has my name, address, a routing number and account number listed on the front page of the letter. While this is prepaid, you have to read the small print behind the card to understand to really understand what this card is and that your credit was not checked for this card. I was very concerned at first because it had all of the account numbers, my name printed, and I thought they ran a credit report. At first, I thought it was a real credit card put in my name. Why should I have to take the time to shred this information and a card, when I never asked for this. It causes unnecessary stress for the consumer and could be misleading to an elderly person. This is poor advertising and it makes me think poorly of XXXX and this XXXX institution. If my name was not pre-printed on this, it didn't have an account and routing number before being activated, and it was very obvious in the letter that this was not run through my credit ; I would be okay.
I submitted a personal letter to XXXX XXXX and Transunion in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX
I had a BEST BUY/CBNA credit card back in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XX/XX/XXXX I had late payments this was awesome my first winter of having a XXXX job so I was unprepared for the low amount of unemployment I was going to get and the amount of bills that I had in XX/XX/XXXX I paid in full and closed this account
I called to close my account and recieve a closure notice by email on a friday. I was informed they could not email me the closure notice. They told me they didnt have email access.. I asked to speak with a supervisor. And he also informed me they did not have email ... Which is wierd seeing they are a credit card company. And the 2 other cards i closed before this did it for me immediately. With no hassel. I then got a call the following tuesday saying they would send me out a email and they were sorry. Then this saturday i got a call again from them. They stated my card was not closed and they could not email this info to me because thier email wasnt working.. I asked how they responded to my XXXX   complaint through email if they could not do this for me.. They told me it was a format issue.. After i had caught them in a lie .they continued the lie telling more trying to cover up thier bad bussiness practices. 
For a bank this size not to have a email system for over a week and not close my accoumt when asked is totally unacceptable. It was clearly a lie and a manipulative ploy on thier behalf to not close my acvoumt and make it as difficult as possible for me. The person i spoke with said her name was : XXXX at phone numer XXXX XXXX XXXX ext XXXX. 
I would lile a email from them comming clean about thier lie of not having email access. And an appology for wasting my time and delaying my refi of my home. 
I would never do bussiness with this company ever again. 
Beware to future card holders. I hope this helps some one in the future.
I went to XXXX college in XXXX and took out loans with sallie mae. I was never late on a payment or had any issues with them. Now that Navient took over it has been a headache. They send XXXX letters and bills a month you call and talk to someone they always say things are ok with the account, but then i get calls saying its late and is going to be reported. I call and set up a auto pay from my account and then call and say that it was n't taken out even though i prove that it was. Then they say well this must be a new loan and you have to pay. Then another person tells you that im up to date. Then i get XXXX different bills adding up to {$800.00} a month i call and talk with someone they say they do n't see that. My credit is going to get ruined because this company took over my loans and you ca n't get a straight answer.
My wife and I filed a chapter XXXX bankruptcy in XX/XX/XXXX and surrendered our home to Countrywide. We turned the keys over to the bankruptcy attorney moved to XXXX. We managed our credit and managing our debt for the last seven years and now want to buy a home. We found one and got qualified for a new mortgage but then were denied because the old home included in the bankruptcy in XX/XX/XXXX was still in our names. it has never been sold, or foreclosed upon and apparently just sits there. After a lot of digging and phone calls Bank of America inherited it from Countrywide. It was to be foreclosed on in XX/XX/XXXX. Bank of America took possession of the property in XX/XX/XXXX. The foreclosure never happened, in XX/XX/XXXX the state of XXXX dropped the foreclosure proceedings due to a lack of paper work being filed. The loan was sold to XXXX XXXX and then to XXXX who has it now. It is in a file at an attorneys by the name of XXXX XXXX XXXX. from XXXX They are the loss mitigation for XXXX and no help what so ever. I called and asked how to remove my name from the deed, but they do not care. The house was discharged in the bankruptcy in XX/XX/XXXX and the bank refuses to take ownership of the property so what am I to do?
XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do notcontact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
XXXX is failing to remove the inquires Please see attachment below. 

XXXX have also re inserted an account that was removed and failed to notify me violating the law. 

Trans Union is also re inserted an a count that was removed and failed to notify me violating the law. 

Please see Documents below
I received a statement with a remaining promotional balance of {$290.00} and I paid the account off in full. Before the payment was applied I made a purchase of {$42.00}. On my next statement I received a notice that my promotional balance of {$42.00} would expire soon and I would be charged {$2200.00} of deferred interest. The way the payments were applied makes it impossible to pay off the promotional balance if I continued to use the card.
I was shocked when I reviewed my credit report and found a late payment on the date below : CREDITOR : XXXX/XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments to you when I received my statements. I am not sure how this happened. I believed that I had made my payments to you. My only thought is that there was a billing error with my statement.
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
I sent the below letter to this company on XX/XX/18 asking the evidence that I allow them to pull my credit report but they never responded.

" Dear Sir/Madam, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX mortgage Made on : XX/XX/2018 Made with : XXXX, XXXX  and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests to my above mailing address. ''
Nissan Motor Acceptance Corporation continues to call my mother-in-law at XXXX. NMAC has been instructed according to PA Law not to call my wife or I at work, and provided our home phone number of XXXX as contact for the account. No other number is valid. The harassment of my mother-in-law must stop immediately.
Within the past two years I've been evicted twice. The US Department of Education garnished my tax return in XX/XX/2018 of {$2000.00}. XXXX XXXX is attempting to collect a debt that I can not validate, and they continue to submit negative marks on my credit while the US Department of Education, XXXX XXXX, XXXX and XXXX also take collection activities on me. 

I have to qualify to buy a car since mine got REPOSSESSED because the US Department of Education failed to return my {$2000.00} tax refund while I was going through an eviction this year in XX/XX/2018. I've told XXXX XXXX that I can not make payments, and reporting negatively on my credit will only make my financial situation worse.
XXXX XXXX  informed me of the complaint. I do have an account with XXXX XXXX, but my account is current and is paid through auto pay. I didn't open another account as stated in the complaint. When I talked to XXXX XXXX they stated that there was no other accounts besides mine associated with my account. I've filled a complaint with XXXX XXXX also.
I have contacted Transunion for several years about their reporting tactics against me. This credit bureau reporting company places information on the file like wrong social security numbers, addresses, DOB, and other material that belongs to others. Numerous of statements have been added to prevent this problem from occurring ; however, it has been ignored for years. 
the most recent report has student loans that are closed or has been removed as open and is reflected in my overall credit debt owed. The information is incorrect and has caused problems with my security clearance updates. I have written to Transunion and called about this issue. They will fix it while your on the phone but 2 weeks later the information reverts to being the same old problems I believe there is a problem with the reporting systems and would like to block transunion from providing any reports about me to anyone. The information is invalid and creates more problems than what it is worth. The other XXXX agencies have their issues but not to the point where it is repetitive and causes harm.