WillisBack/dataset-financial-user-claim huggingface dataset:
2010 My Daughter was accepted to XXXX College. Not until we were at Parent/ student orientation day did they take me into a room and tell me they couldn't get enough money. I had another child in college and very little income. It was too late to go to any other school now. 

They made me sign a 7.9 % Parent loan and told me they would create a XXXX major for her bc she wanted XXXX college. I didn't know what I was doing or signing. I was confused then they cut me out of all of it. 

I cancelled her 2nd semester of living quarters based on School hand book dates and process. They threatened me and berated me how late it was and that so many girls were on the waiting list and now its too late to call them. I notified them within the time period before semester begins. My daughter was sick constantly there were intense heat and ventilation problems and she was in and out of XXXX appts. 

I complained and my Daughter chose to go to XXXX bc she stayed at school only once a week and was wasting time because they NEVER planned on giving her a XXXX  major. They made her take courses that she already took in AP and was accepted as credits. 

I put in a formal complaint to school and met with people and they lied to me. I had dates, doctors appointments, school hand book I even wrote the Nun who is President and told her how they could do this to low income families. The worst part is in return NONE of my daughter credits after paying XXXX were good for a XXXX major at XXXX. 

How can private colleges do this to a single Mom on basically little income and another child attending college. I put in complaints to AG office, my local Congressmen and still proceeded to ask XXXX to return DORM room fees and classes they made her take over. 

Any school in Freshman year making kids take classes other than anything basic that can not be transferred to state school should be considered SCAMS. 

I do not want to pay that portion of my Parent loan. They used scare tactics, false promises then went back on their word in the school handbook. 

Thank you
Case number XXXX needs to be reopened. Request were sent for debt validation and licensure to collect in Tennessee on XX/XX/XXXX. Verification of delivery on XX/XX/XXXX. No response has been received. The debt stated on my credit report is for {$1000.00} The company 's response is for a XXXX XXXX. I am not a male, perhaps the collection is for a male by the name of XXXX. The company 's response also states that two validations letters were received in regards to this account. I have only sent one validation request with no response. perhaps the other validation came from the male XXXX whom they are referring to. Also the license number given, XXXX, is not valid to collect in the state of Tennessee per the tn.gov website for verification of collection licenses. Perhaps the license number is valid in Kansas, where the creditor is located, but this license number is not valid to collect in Tn.
On or about XXXX XXXX, 2015, I received a call from someone identifying himself as being from the Bank of America fraud investigation department, inquiring about some " suspicious '' charges to my account. He asked if I had used my debit card in California or knew anyone there, or if anyone else had access to my banking credentials. I told him that I did n't know anyone in California and did n't believe anyone had access to my account, but that it was possible my father did XXXX I later confirmed that he did not ). I then clarified to say my father had my account and routing number to facilitate transfers into my account. He said there were some suspicious charges on my account and that he " did n't like my answers '' and because of that, he was immediately closing my account. When I asked why, he replied " I do n't have to give you a reason ''. That was it. 
On XXXX XXXX, I went to the local BoA branch to try to find out what happened. They printed out a list of all of my activity from the previous three months. I noted that there were XXXX transactions in the amount of either {$1.00} or {$1.00}, all occurring on XXXX XXXX. They were all clearly marked as " XXXX '' and showed a billing address in California. I did in fact make those donations to a XXXX broadcaster that I follow during one of their live feeds. Obviously, those were the transactions that their investigator was calling about, but he never mentioned XXXX or the amounts and since I did not know that XXXX was located in California, I did not make the connection. 
I also learned during my visit to the branch on the XXXX that my account was flagged in such a way that I was not allowed to open another account at Bank of America and I have since learned that his report could prevent me from opening accounts at ANY bank. 
I did nothing wrong or even suspicious. I was called out of the blue, awoken by one of BoA 's inadequately trained investigators asking vague questions, who made a snap and incorrect judgment. I was then told that he did not have to give his reasons or any justification at all for his decision.
On XXXX XXXX, 2016 my landlord informed me that Discovercard had contacted him about a payment I owed. This was in complete violation of my privacy as I had never given his name or phone number as a contact for me or my account. In reviewing Discovercard 's stipulations for contact, he in no way whatsoever fit the criteria listed within. Again, Complete Violation of my PRIVACY. Read : Illegal. I called the toll-free Discover card # and the actually nice employee to whom I spoke, XXXX, reported it was general practice for their " skip tracers '' to search any other phone numbers at listed properties and contact them. For the record : I unknowingly was {$27.00} shy my last payment and all current info on my Discovercard account listed my bill of {$120.00} as ( Leading me to believe I was up-to-date ) due on XXXX/XXXX/16. It was only upon calling the automated number that I learned that I owed {$27.00} immediately. I paid this amount, immediately prior to speaking to XXXX. 
Fast forward to XXXX : I paid {$99.00} due on the due date of XXXX which was On Time. On XXXX I began noticing daily calls from a toll free number, so I called it back on XXXX/XXXX/16 and discovered that it was : Discovercard. I spoke with a gentleman who reported that they just like to check in and try to pre-schedule payments prior to due dates ( my Next Due Date is XXXX/XXXX/16 a full 20 days after they began their daily harassing phone calls ) I told him that their persistent calls equate to harassment to which he vehemently denied it as harassment. I requested that he document my request for the contact to cease. He repeatedly continued to offer several options/benefits for arranging payment within the same breath. With each offer, of which there were several, I told him again, and again that I was not interested and requested documentation of this as harassment. I will further document future calls and add them to this complaint as necessary. 
Per XXXX Dictionary : Simple Definition of harass : to annoy or bother ( someone ) in a constant or repeated way What Discovercard is doing equates to harassment whether they are willing to admit to it or not. I am requesting that it cease. I would also like some sort of fine imposed upon them for violating my privacy by contacting my landlord on XXXX/XXXX/16 as their actions were completely illegal based upon their own outlined privacy practices. 


Sent from my XXXX
Since we are requesting modification which caused me to fall behind on my mortgage payments I would like to be considered for a loan modification to decrease my payments fix my interest rate at a lower rate or increase the loan term and recapitalize or forgive the delinquent payments our loan transfer from XXXX after XXXX time package we submitted to lender than we are start submitted new modification XXXX times with new lender Select portfolio servicing and we never got any help or modificationIn order to get me caught up and prevent future delinquency My main goal is to keep my home for the long term we hit hard times recently and fell behind on our payments because bad loan term bad rate and financially hardship Since that time, we work hard and hardship is over and we improving every months My income is now improving we need help to modify my loan to keep family home
For the last several years I have been late on my mortgage payment. Every month I faithfully paid a {$28.00} late charge. This was accessed as the payment was over 15 days late, which I paid.

I recently brought the loan current, however, the late charge was continued because WF claims it is now accessed from the first day of the month in which the payment was due.

The Financial Note ( Page 2 ) clearly states the late charge is accessed 15 days from the first of the month the payment is due. This is a financial contract, corner stone of the mortgage and can not be changed.

Please answer, why even bring the loan current?
I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Alltran Financial , LP does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX XXXX XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Alltran Financial , LP and XXXX XXXX XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
ON XX/XX/XXXX I WENT TO A XXXX DEALER IN XXXX, AND APPLIED FOR A LOAN TO BUY A CAR, THEY WENT AHEAD AND RAN MY CREDIT WITH 5 OTHER BANKS WITHOUT MY AUTHORIZATION, NOW I HAVE ALL THOSE INQUIRIES FOR NO REASON, EVEN WORSE I DID NOT BUY THE CAR THERE..
Equifax is now in violation due to the failure of providing verifiable proof as required under the  15 U.S. Code 1681g - D isclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing! I 'm not sure if the account was fraud or is a mistake on your part providing false information on my credit file. I faxed in a copy of my Driver  's License and Social Secu  rity Card on  X/XX/17 . It clearly does not match the records you maintain under my social secur ity number. I have tried relentlessly between yesterday and today to call you to discuss. The answering system says that there is a not an operator available now to call back and then it disconnects.   I am  ready to proceed with a lawsuit against your company for 1. Defamation 2. Negligence 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 ) I would be seeking a minimum of {$1000.00} in damages per violation. I will be using a high profile attorney to expose the wrong that you are doing to me.
I accidentally paid a balance on the wrong credit card resulting in a credit on this card of {$5700.00}. I contacted the credit card company immediately after receiving the statement that alerted me to my mistake to have them send the money back to my checking account. I was told on the phone by the credit card representative that this process would take 10 business days. I did not receive the return of my money in the allotted time frame and when I followed up with the credit card company they told me that the request must be approved and they are unable to tell me when my money would be returned to me.
My credit has been unduly affected due to an account not attributable to me. Thus I need to file a report of identity fraud. The creditor is : Audit & Adjustment Co. Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX United States Account number XXXX I have filed a police report as requested by the creditor and I am attaching it to this filing.
I have sent several disputes to the collection agency and to the bureaus regarding a medical debt that ARS Account Resolution continues to report on my credit reports. I have asked the collection agency to validate the debt by providing me a signed agreement for services, and a detailed billing history of this account as proof that the account belongs to me and was not already paid by my insurance company. To date, ARS has either ignored my requests or only sent the same payment invoice created by their company. ARS continues to report the account without legally validating the debt as required by the Federal Debt Collections Practices Act and the Fair Credit Reporting Act, which requires that information reported by accurate, complete and verifiable.
I have fallen behind on my payments. I applied for a modification which I did not qualify for. In XX/XX/XXXX. I contacted retention and made a payment of about {$3200.00}. I called today to XXXX another payment of {$1200.00}, monthly payment is {$1000.00} and there is a couple XXXX in suspense. They refused to take my payment said I had to pay XXXX in full, would not allow me to speak with retention. They said I failed to keep my agreement, which I had no agreement I was n't approved for the modification. Last year I experienced so setbacks, but I am trying to remedy that and move on. I need my home I have children. But Carrington Mortgage Servicing is unwilling to allow me any solutions. I do not receive regular communications from them so I am not sure where I am with the loan. I calculated I will have the loan current and will be able to pay monthly by XX/XX/XXXX, if allowed to make the larger payments in XX/XX/XXXX and XX/XX/XXXX.
SINCE XX/XX/XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX XXXX DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XXXX OF XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND XXXX AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO XXXX BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
I opened a XXXX XXXX card with Chase which gives you a {$300.00} travel credit every year. I spend over {$100.00} on a ticket to Florida and thought that chase would automatically credit it back on my account. Chase recently closed down my account for unknown reasons ( a compliant for another time ) and I called them to see what happened with my travel credit that I never received. They said they will refund me but when the representative tried to process it the system would not let as it was past 4 months claim time and my account is closed they cant give me the one time waiver. First of all they closed my account and second of all they should still be able to give the waiver.
I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX,2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.XXXX.XXXX
On XX/XX/18 I received notice from my credit monitoring services that a collection was placed on my credit reports, which significantly dropped my credit scores. I called Waypoint on XX/XX/18 which their office was closed. I called back onXX/XX/18 st XXXX EST and spoke with XXXX XXXX concetning removing the debt off my credit reports because I never received a letter nor a phone call. She informed me that she couldn't remove the item unless I started the dispute process. I told her this debt was already satisfied with another collection agency who had already removed it from my credit reports. I again asked that this account be removed from my credit report because I wasn't given proper notice and that I had the documentation to prove that I didnt owe it. I asked for an email address to send in my documentation, which she did provide ; however, she still stated she couldn't remove the collection. I stated again that I never received notice and that it should be removed because that is the law! On XX/XX/18 I have emailed my receipt document to Waypoint and I'm awaiting their reply to my email.
Focus Receivables LLC ACCT : # XXXX XXXX Acct : XXXX I am writing to dispute status on my XXXX Credit Report. I have placed several disputes with XXXX, and the CFPB and nothing has been update. The Account Status is incorrect, it should be listed as paid in full/ closed. The account history is incorrect. The payment {$1500.00} made on XX/XX/XXXX should have been marked as paid or ok on XX/XX/XXXX, and CLS closed on XX/XX/XXXX not XX/XX/XXXX, and thereafter should be marked NR No Data not CO -collwction. The Historical payment history does not reflect payment made on XX/XX/XXXX and still shows outstanding balance of {$1500.00}. So exactly what did you investigate before closing my dispute file # XXXX? Also on that dispute you were asked which is required by law to accurately and completely fill out your report by adding the payment amount and date close, which still hasnt been done. This to me constitutes fraud, and extortion and is in violation of Pub. L. No. 108-159, 117 Stat. 1952, codified to 15 U.S.C. 1681-1681x. Credit ReportFiles are to be accurate, and complete since information contained on this Trade Mark havent been  either, you have legally harmed me under law. Statement that Im seeking remedy under law is to be added to comments immediately. Previous complaint from the CFPB you chose to add theremark on one or two of the six Trade Marks reported why? I spoke to XXXX XXXX at Focus Receivables on XX/XX/XXXX XXXX XXXX Sending out letter to me and XXXX and XXXX again first letter sent XX/XX/XXXX requesting above change. They also told me that they send you the same billing statement to make necessary changes, that I received in the mail and you are responsible for the accuracy and completeness of the report, not them. Since you already received complete and accurate documentation ( that you replied back to me stating you refuse to use information I provided, I assume this matter will be resolved immediately. I am not waiting another 30 days. You are in violation of my consumer right under FCRA and FACT Act. 
I want a copy of the dispute procedure mailed to me and sent to Florida State Attorneys Office listed above. I am requesting my free copy of the full report since I cant get it online and the online link  when available is only for a short period of time, only and doesnt allow me to download and save the document. Do n't state in FCRA provide copy of legal statute, section and sub-section that verbatim proves youare in compliance with regulation/ statue and not your opinion of the meaning to me, the CFPB and the Florida State Attorney General Office listed in the attachment. I am asking The Florida XXXX XXXX office to investigate and prosecute on my behalf, since youhavent deliberately complied with my disputes or complaints with the CFPB : for the {$1000.00} remedy and removal of this Trade Mark due to in action of 2,5 years which has harmed me under law.
XXXX XXXX sent a live check guaranteed loan offer that promised reporting to credit agency 's. I have been trying since XX/XX/XXXX two months after opening account, to get them to do this. XX/XX/2018 I was told by the branch manager if I renew my loan, " it will definitely be reported. '' My response to her was, " It should definitely already been reported 4 months ago. '' On XX/XX/2018, the branch manager called me and informed me I had to call XXXX and file a dispute so they ( XXXX XXXX ) can do what they needed to do. These people obviously have no idea what they are doing or don't care they do not fulfill their end of the agreement. They checked my credit without my permission creating a hard inquiry. I have requested this be removed. The offer was not a pre-approved offer, by it being guaranteed they already had all the information they wanted and needed when they did a soft inquiry on my report in XX/XX/2018. Consumer regulation allows for a credit check for the purpose of underwriting, this company already had the loan offer underwritten, which is why a hard inquiry is not allowed after the fact and especially without permission or knowledge. They claimed they submitted the request for the removal of the hard inquiry but they had not because I called XXXX and had filed a dispute, had they filed it already, I would not have had to file. They have not responded to XXXX as of XX/XX/XXXX because it is still on there.