WillisBack/dataset-financial-user-claim huggingface dataset:
I get loans and every time a stipend comes they " the school '' have a problem giving it to me. It will take over the 14 days and I always have paperwork that needs to be filled out. I do n't understand why, and also when I call the school they tell me that one of my advisers do n't work there or the other do n't take phone calls. Then they keep telling me that I 'm not getting a refund or they tell me that they need to review it. They get their money and no review is needed. Also i 'm being charged for 2 classes and am taking just one class. I am not getting my refund like they say. When I call I have to talk to people who answer phones, not my advisers. And they give me the run around and are very rude. But it 's my money and I work hard for it.
Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. ( XXXX, XXXX and Experian ) I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX XXXX XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
I received a Debit Card in the mail from XXXX XXXX with instructions to activate the card over the phone. I have never opened an account of any kind with XXXX XXXX, online or in person, so I called the number on the card to adv ise it had been sent to me in error. First contact with the Card servicer was ineffective, and I was told that I could activate the card or call the bank to complain. I repeatedly told the representative that the card was fraudulently opened and that I wanted it closed. Second contact with the Banking Center resulted in disputed transaction affidavit and indication that I would not be credited my 'money ' until I returned the form. Still nothing acknowledged about the account being opened without my consent. Third contact resulted in an indication the account would be 'closed properly ' only when I completed my affidavit with 'whatever information I had '. As of now I do not know if someone has opened this account to launder money or commit some crime, and I am supposed to pay for a notary to complete a form for which I have no information. I do n't know the account number that was opened but I was able to determine the personal information is correct.. As instructed I have destroyed the card I received. Nationwide obviously did not require a physical copy of any sort of ID during the Account Opening process, and has allowed a transaction account to be opened in my name without my consent in written or electronic format.
Year XX/XX/XXXX I paid through online bill pay directly from my XXXX Bank acct a mortgage payment to Wells Fargo. This was paid on time and on auto pay. Within few days of receiving the payment Wells Fargo sent the payment back to XXXX without my knowledge. A few months after that Wells Fargo started reporting me past due to my credit report and charging me penalties and interest. 

XXXX I worked on trying to get this issues resolved on my own. I had no issue returning the payment again to Wells Fargo and would have done so but they would not remove the fees and the payment would still be considered past due because fees would have been taken from the payment before being applied to mortgage. 

XXXX Attorney XXXX XXXX wrote letters to Wells Fargo on my behalf trying to resolve this issue. During this time wells Fargo requested COPIES of two checks from XXXX Bank that they believed was where issues started. These were provided. But they still would not clear my credit AS IF NO PROBLEM ever existed. 

XXXX Attorney XXXX XXXX XXXX had extensive written correspondences with Wells Fargo trying to resolve this issue. Through XXXX XXXX XXXX office both Arkansas XXXX XXXX XXXX XXXX and Arkansas XXXX XXXX XXXX wrote letters to Wells Fago on my behalf. 

XX/XX/XXXX I met with a Wells Fargo Representative at a local office in XXXX XXXX Arkansas and this representative of Wells Fargo pecifically called Wells Fargo main mortgage office to see what needed to be paid in order to stop the bleed on my credit while this was being looked into by the state congressmen. I also was assigned a direct Wells Fargo representative at that time by the name of XXXX XXXX. 

BOTH XXXX XXXX and XXXX XXXX were involved in campaigns and elections during this time. However XXXX their offices wrote letters AND sent documents provided such as my bank statements and letters showing the routing numbers between XXXX Bank and Wells Fargo. It was requested for a copy of the CHECK in question to be provided showing proof to Wells Fargo from XXXX Bank. XXXX Bank responded that they could provide certified bank statements and routing numbers but that their system was updated and they could not provide the actual check copy. 

Wells Fargo refuses the XXXX Bank letters and certifications and my personal bank statements as proof that THIS PAYMENT was indeed paid on time and properly. I have a specific representative of XXXX Bank local main bank in XXXX Arkansas. 

This has greatly affected my ability to refinance my property of which I have over XXXX equity. I have above XXXX credit score even with the bad Mark of over 40 month rolling past due Mark on my credit by Wells Fargo. This bad MORTGAGE MARK on credit has harmed me in a huge financial way. I have disputed this with the credit bureaus as well. I have a lot of documentation along this journey.
There was no contract for services, as this phone service was prepaid and not contractual. They stopped service for non-payment however continued to charge fee for NO service!
I made a {$50000.00} principal payment on a {$300000.00} loan. {$2700.00} was carved out as a monthly payment, charging {$700.00} in intere st ( this is monthly interest charged for a 6 day period ). The monthly payment was paid 6 days earlier. THUS, Chase was effectively " stealing '' from me. I file this complaint for the sole purpose of alerting others. CHECK YOU R STATEMENTS, UNDERSTAND THE MATH. It should be assumed that a financial institution would be capable of processing and servicing a loan. If they ca n't do this, they should be banned from this business.
On  XX/XX/XXXX , I checked my credit scores from  XXXX ,  XXXX , and  XXXX  in order to obtain refinance for our mortgage loan. My credit scores with all   XXXX   (   XXXX   ) credit bureaus were low due to   XXXX   XXXX   XXXX   and their 'third party collection agency, '' ERC.   XXXX   XXXX   XXXX   had referred my account in the amount of {$160.00} to the collection agency ERC. I had filed a complaint with Better Business Bureau against   XXXX   XXXX   XXXX   regarding my cell phone billing. My complaint is based upon cancelling my services due to poor coverage, making monthly payments, and billing from their third party ERC, collection agency. Prior to that, I had an old account with   XXXX   XXXX   XXXX   then when I signed up again it went to another account. I spoke to   XXXX   XXXX   XXXX  , Manager Executive Response regarding the billing problem on  XX/XX/XXXX . As he had indicated on the BBB response that part of the payments paid off the balance on that account and the overpayment was refunded. There was a credit balance on the account that he transferred to the account in question. I had mentioned about the refund. Subsequently, as consumer I rebutted to the business response.   XXXX   XXXX   XXXX   response that I work with the third party collection agency to settle the balance. On  XX/XX/XXXX , I contacted   XXXX   XXXX   XXXX   third party collection agency, ERC, to settle the account. I talked to   XXXX   XXXX  , ERC representative and the settlement owed is {$81.00}. We discussed settlement payments for  XX/XX/XXXX  in the amount of {$40.00} and  XX/XX/XXXX , {$41.00}. ERC attempted to charge me {$28.00} in order to initiate this transaction, which I was not willing to pay, then offered me {$8.00}, and again {$2.00}. As per my phonecon with   XXXX   XXXX  , I told him to waiver it since I am a  XXXX  veteran,   XXXX   XXXX   XXXX   and living on a fixed income.   XXXX   XXXX   XXXX   hired ERC, third party to collect a debt which drastically affected my credit scores and prevented me from refinancing my mortgage, obtaining a loan, or purchase a brand new vehicle. This is totally unfair and it appears on my credit rating.
this is not my debt it belongs to my sister who has a ssn one number off from mine, furthermore the orignal opening date would have been on XX/XX/XXXX not XX/XX/XXXX that was when her account was originally opened, the dates and the amount is listed fraudulent on my credit report with XXXX and XXXX, XXXX  has already removed it
In XX/XX/XXXX, I began a very lengthy XXXX XXXX brought on by non-compliance with my XXXX XXXX and XXXX medication and XXXX. In XXXX, I found myself XXXX, unemployed, and trying to survive believing my loving family didnt want anything to do with me ( a symptom of the psychosis ), which was actually completely false, which I would find out later. 

In XX/XX/XXXX, I was fishing with a friend at night on a jetty which isnt a great idea, as it did not take me long to fall. The friend took me to XXXX XXXX XXXX XXXX XXXX, where quite a number of XXXX, XXXX XXXX, and God knows what else. I was clear with the admitting folks that I was broke, XXXX, and uninsured, completely indigent. 

Im happy to report no life-threatening injuries were revealed in the test. As I was lying in the ER in pain, my friend signed all the admiring and billing paperwork, which I knew nothing about until I received copies of that earlier this year when I learned a {$9.00} medical dent in collections was on my credit report. I realize I was treated that night to the best of their ability. Treated for a XXXX XXXX XXXX XXXX  and some XXXX XXXX, However, regardless of the diagnosis, I was crystal clear that I was uninsured and unemployed and in no way could afford an ER bill. No patient financial services personnel ever showed up at my bedside that night and I was released. 

I am very stable right now, and have been for some time. I am a XXXX  and married to a wonderful man. I am XXXX and awaiting some financial assistance from SSA I pray, as I can no longer work, as my symptoms and side effects are much to deal with. Earlier this year, as I began trying to pick up the pieces of my life after over a year of being XXXX, I began a project working on my credit, You van image my surprise when I saw the collection entry that the hospital had placed with a collection agency called XXXX XXXX. I wrote the company asking for validation and they sent me paperwork regarding my stay in the ER that night, signed my someone else, after I told them I was indigent. I have also reached out to XXXX XXXX XXXX XXXX XXXX, when I was told they couldnt help me, because I had waited too long to qualify for any financial assistance programs. Waited too long? I contacted them as soon as it was discovered. 

Finally, I just want this off of my credit report, because in do not owe this debt. I was very clear that I would be unable to pay anything on the night it occurred and I am unable to do so now. This is a sick way to try to make money off of unsuspecting people who are in a bad position going through XXXX   already.

Please help with this. I dont know where else to turn and I am not waiting six or more years for this to go away. I am trying to get my life together, and no one, the hospital or the collector will do anything to forgive and remove this erroneous debt. It is astounding. They are like modern day thieves the way they do business. I guess that tells the story anyway. When hospitals became publicly traded businesses instead of care givers, this is what we get.
Hello, well I am XXXX college and have loans through XXXX and Tuition Options from 2014. Tuition options would hound me through email, phone, and actual mail to pay. I do n't work as much because I am a XXXX XXXX XXXX and I only make a certain amount each check. I have other bills, groceries, and car problems to take care of. I would pay $ XXXX-XXXX if I have it to put towards my loans. I and my mom who is the XXXX at XXXX XXXX also asked could I pay my loans after I 'm done with school when I have more time to actually work and I was told no. Also I recently looked on my tuition options account and I was also on the phone with an employee their and they said I have n't paid anything or they did n't receive any payments which is a huge problem. I also tried to see if I can combine my loans from XXXX and Tuition options and I was turned down by tuition options in which a student " can '' combine loans and pay it off bit by bit after I finish school. I also recently agreed to a responsibility payment since I started my new semester in my bachelors, I want to pay {$50.00} each month on the XXXX. Understanding that I have been doing so and Tuition Options still is n't easing up on me. They 'd still hound me to this day to pay after I already paid {$50.00} on XX/XX/XXXX. It have n't even gotten to XX/XX/XXXX yet and they 're sending me emails saying they 'll report my loans to the credit bureau if I do n't pay and if I do n't answer their phone calls and mail. My credit is low because of them. My car is currently in the shop still because I have n't been able to pay for it yet. I 've been paying for tuition options, my other bills, and barely trying to put groceries in my home. I 'm a student and I believe what they are doing is harassment ; from sending tons of letters every two weeks to emails every week, to a phone call every month even when I make my responsibility payment. It 's XXXX and I 'm starting to be at my climax with them. I have all of the letters they 've sent me and I can look in my emails to pull up all of the times they 'd hound me and threaten to place my stuff in with a credit bureau. Please help me, in desperate need. 
Sincerely, XXXX
I have been receiving a bill in the amount f {$60.00} from the XXXX. I have called this office several times to dispute the erroneous bill and was told it was a mistake and I owed nothing. However, it seems the XXXX office submitted the erroneous bill to a collection agency ; Transworld Systems Inc . 
I am receiving letters of collection from this group despite being told I owe nothing and it is a mistake. I am very concerned, frustrated and angry for the time I must now invest to protect my credit rating. Can you please assist with resolution? I have a voice mail transcription from XXXX supporting my complaint.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
XXXX   XXXX ,    2017 B  ureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX  RE : FAILURE TO RE SPOND TO DELTETION/CORRECTION LETTER To Whom It May C oncern : On  XXXX   XXXX ,  2017,  I received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand t hat may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
I have a charged off Nordstrom Credit Card from XX/XX/XXXX. Nordstrom sold this debt in XX/XX/XXXXto a collection agency called XXXX XXXX. I called Nordstrom to offer a settlement but they told me I need to work with XXXX XXXX Ok, no problem. However, each month, Nordstrom ( not the collection agency ) is updating my credit report to reflect a balance due on a closed, charged off, sold account that they will not accept payment for. Each month they update " FP '' or " Failed to Pay ''. This is a misrepresentation. I am not currently failing to pay Nordstrom as they do not own the debt any longer and will not accept payment for it. The Nordstrom representative told me that Nordstrom handles the credit reporting while XXXX   owns the debt. This is a violation of FCRA and a purposeful way to have a harsher impact on consumer credit scores as this is factored into utilization. The collection agency owns the debt and is therefore the only one with rights to report it. Nordstrom updating this information each month is a way to leverage credit impact over the consumer instead of having the collection agency report it themselves. I want Nordstrom to stop updating this information each month inaccurately as " FP '', update to a XXXX  balance, and remove the FPs in each prior month the debt was owned by the collection agency.
This is an update to the recording of appraisal in public records. The public records department was at my home on Wednesday, XXXX XXXX, I spoke to them on Thursday, XXXX XXXX and XXXX XXXX assessor has confirmed the measurements of the appraiser, however he has found that the measurements are less than what the appraiser measured. His findings are XXXX square footage. He has informed me that it will be legally documented by XXXX XXXX, on that day I will receive a email from him with the legal documentation of XXXX XXXX of XXXX in Pennsylvania. Once I have the email I will then print it out and fax it to Wells Fargo and I will send it to the CFPB. XXXX XXXX also informed me that it will not be viewable on XXXX line until one week or so later. If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is XXXXXXXXXXXX
XXXX # XXXX This is the response I received from you and there was NO attachment. The case has NOT been settled, however I did speak with XXXX from the executive offices of Capital One XXXX XXXX pin XXXX. She is supposed to get back to me the end of this week. 
An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ). The OMB control number for this collection is XXXX, expires XXXX/XXXX/2018. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Attempted to cancel credit card and was given a constant run around. When asking to speak to a supervisor they told me he would call me back in 24 to 48 hours. When I said just cancel my card and they said the annual fee payment still had to paid but it would be refunded in 60 day via a check in the mail. The wait times were on the order of 30 to 45 minutes. This was the Citi Bank call center in XXXX, XXXX. After asking for the name of the agent I was then told they could send me a refund check in 2-3 days.
I had recently sent a letter to cfpb showing that navient who took over my account from   XXXX   XXXX   has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to  both  XXXX ,  the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for  XXXX  dollars with s  XXXX   XXXX   and have been making payments over the years ( sometimes more than the minimum ) and currently owe   XXXX  dollars.