WillisBack/dataset-financial-user-claim huggingface dataset:
College charging me for a semester I enrolled but could not pay for & had to withdraw from. 
College claiming withdraw policy not upheld. 
College did not clearly identify their withdraw procedure, should not civilly have this kind of withdraw procedure, & also implied strongly that they had a normal automatic withdraw procedure. 
College may also be claiming I received student aid benefits, whereas I did not. 

1 ) I enrolled for XXXX class. 
2 ) I attempted to find funding for semester. 
3 ) I failed to find funding, & could not meet my own cost of living bills. 
4 ) the College sends out warning e-mails implying non payment results in automatic withdrawal ( which is normal in my experience. XXXX, XXXX, XXXX, & XXXX all do this, XXXX implied that they do as well. ) 5 ) XXXX claims I owe them for semester that they know I did not attend, & offers repayment options, but obfuscates contention options. 
6 ) Personal attempts to locate an opportunity to contest their claim yield no results, & further investigation requires a dedicated PHYSICAL trip to their campus, when hours of operation are limited, a full days time is guaranteed to be consumed, & no meaningful resolution or promise of helpful information is assured. 
7 ) Because I am finically destitute & spending my time job searching, this is not an option. I do expect XXXX to self identify their mistake & correct it. 
8 ) XXXX sends their claim of my debt to a collection agency. 
9 ) I contact collection agency & request dispute & information. 
10 ) Agency sends information informing me that XXXX is claiming they provided funds for the semester I did not attend, & that I was not withdrawn from that semester ( my first clue that they have a scam policy. ) 11 ) My credit union records confirm that I did not receive funds.
bank of america is billing me for 3 purchases that are not mine these are fraudulent purchases to my account I contacted boa regarding this and was advised that I needed to pay the bill and if the charges are found to be fraudulent the money will be credited back to me. This was the telephone conversation I had trying to resolve this issue so I am forced to pay out of pocket for items I did not order and if I don't there will be an interest charge of up to 18 % applied to my unpaid cc balance. The other stipulation is if boa agrees the charges are fraudulent then I get my money credited to my account not refunded but credited.
My checking account was garnished in the amount of {$9500.00} on XX/XX/19, the day my financial student aid was deposited. Bank of Hawaii honored that judgement. Federal law exempts student financial aid, student loans ans SSI from  garnishment. These are my only source of income and no other money is in my account.
I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.
Calling me on my job and submitting personal information to co-workers in reference to the debt. Also, the debt collector 's attitude and style of questioning was very unprofessional. I felt I was being interrogated while working.
On XX/XX/2018 I filed a complaint with CFPB because Equifax was not reporting my payment history from-XXXX XXXX And XXXX XXXX Now that the case has been closed my score was decreased by 71 points and Equifax is not showing payment history on both of my XXXX XXXX account and, correct Credit limit from XXXX XXXX and XXXX XXXX balance is incorrect and no payment history is showing ..

Now because I am An XXXX XXXX female and I report an error to CFPB I am being discrimimated suddenly. Now I am seeking an attorney because Equifax not being fair and they are not reporting my information correctly.
Hello, I have a student loan from my university that is serviced with ACS and had been transferred to them from XXXX XXXX. I have been paying on this loan regularly for over six years and am in good standing with all of my loans through XXXX, XXXX and ACS. Since this particular loan was transferred from XXXX XXXX, I have run into numerous issues. I often can not get onto the website to pay due to technical issues and site outages. I 'm currently working abroad, so being able to pay online is important. When I phone ACS, the line disconnects or it goes to an answering service- I am never able to reach a human being. Last month, I reached out to ACS via email to let them know the issues I was having and requested assistance. My loans have been late a few times in the past year due to these technical issues on their site and once again, I was trying to pay a loan and the website would not let me log in. I then requested that ACS set me up for automated billing, as I can not continue to worry about whether or not the payment functionality on their end will work. Instead, ACS sent me a notice that I had applied for a Forbearance- I never once asked for a Forbearance. I emailed them again to let them know that I had asked to be enrolled in automated monthly debit and that I had not applied for Forbearance, and I requested that the matter be corrected. I have not heard from them on this. It also looks like my last payment has been processed two weeks after the fact. 
My complaint is not about paying my loans- I pay regularly as I have for many years, despite my frustrations at never seeing my loan balance decrease, and am fortunate enough to be able to afford student loan payments at this time in my life. My complaint is that I am unable to work with this student loan company, ACS, because they : a ) do not have a working and functional website b ) do not answer the phone, c ) make errors in my requests and d ) are not reliable in responding to emails. As of now, I do not know where my loans stand with them since they are apparently processing a forbearance that I never asked for. What are my options here?
In XX/XX/XXXX my car leased through XXXX XXXX was totaled. Insurance covered the claim and the account was closed. In XX/XX/XXXX, I applied for credit and was informed that their was a Serious Delinquency indicator on my credit file, but in reviewing the credit report, there were no delinquencies. After much research, I was able to determine that the indicator was caused by the comments from XXXX XXXX. I contacted Experian, XXXX ( the 2 agencies reporting it ) and XXXX XXXX and asked them to remove the indicator as the account was paid as agreed and closed. Despite saying they have updated the account, the indicator remains on my report. I also contacted FICO and they are claiming that Early Lease Termination is considered a derogatory indicator. This Serious Delinquency Indicator only reflects on certain FICO calculations, not all. While it 's very clear to anyone who actually looks at my credit that there is nothing derogatory on my report and the account was paid as agreed and NEVER delinquent, I can not get any of the companies to correctly update the account and scores. I also want to mention when I was trying to fix this issue with Experian, I spoke with a supervisor ( did not get her name ). She was trying to tell me that my closed credit cards were the problem, but when I pointed out that I only had one derogatory indicator and there were 3 closed credit cards on my report, she told me that she could " fix '' it for me and add 2 more derogatory indicator. I find this beyond unacceptable and think the company should be fined for allowing their employees to treat customers that way. The person was rude, unprofessional, and ignorant. I expect an apology.
I received a call from a man who said he works for Providian Financial and he was calling to collect a debt on a payday loan. I have never done business with Providian Financial so I asked that he send me in writing more information. He said that he has sent me XXXX emails that I have never received. He has called my cell phone and he gave me a callback number for him XXXX. He has been calling my employer repeatedly and when I ask him to stop, he said I am going to keep calling them until you pay the money and I do n't care if you get fired. He told me I had to go to a XXXX office and call him from there and he would tell me where to send the money. I want this man to stop calling my employer. My employer said he has jammed up the company phone lines on multiple occasions.
A medical debt collection company ( XXXX XXXX XXXX out of Indiana ) sent me a letter in XXXX indicating that they had requested for the 2 delinquent accounts to be removed from all 3 credit bureaus. Everyone removed them except Equifax. I disputed the account with Equifax ( for a third time ) after receiving the letter from XXXX XXXX XXXX and attached the letter to the dispute in late XXXX. Equifax still did not remove the two items. Additionally, I filed a complaint with the Better Business Bureau against XXXX XXXX XXXX because the accounts were not being removed. XXXX XXXX XXXX indicated during the BBB investigation that they sent 2 additional requests for deletion to Equifax and that there was nothing more they could do -- that it was a problem that I would have to take up with Equifax. Equifax has yet to remove these two entries and they are still being reported.
XXXX XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XXXX XXXX Debt collection enter Judgment/and order me to pay. XXXX XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XXXX XXXX Debt collector agency mailed me an letter demanding for full payment XXXX XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XXXX XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XXXX XXXX XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XXXX XXXX XXXX XXXX another Debt collector demanding full payment past 2 years this XXXX debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XXXX Judge close the case. Debt Collector reopen XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XXXX XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XXXX XXXX court day Attorney always order phone appearance. 
XXXX XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XXXX XXXX Debt Collector mailed court order for court day XXXX XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XXXX XXXX XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.
I have a mortgage that was sold to PHH XX/XX/XXXX and I have had problems with them not processing my payments correctly and in a timely manner. 
I typically send additional principal payment along with the mortgage amount that is due each month. 
Mortgage payments can be paid within the XXXX through the XXXX of the month. I use to pay early before XXXX but PHH did n't apply the funds and in fact frequently called me to tell me the mortgage was " late '' because they refused to apply the early funds before XXXX the month. THey did this even though the money was sitting in the account but they simply did n't apply it. 
To avoid that I pay after XXXX the month before XXXX. 
My payments are sent through my bank 's bill pay system and the bank record indicates that the money was taken out of the account on XXXX XXXX and posted to the PHH mortgage account, XX/XX/XXXX.The excess payment towards principal was never applied. In fact when I received the statement for the following month the excess amountof {$490.00} was in a " Suspense Balance '' and was not applied towards principal. 
It was listed as " Partial Payment ( Unapplied ) ''. I contacted XXXX XXXX the PHH representative and she claimed that the payment was applied the following day because the statement was printed before the application of these funds. 
XXXX statement does n't make sense since the statement clearly shows that the mortgage payment posted on XXXX so why was the extra principal payment not included since all the moneys were sent at the same time? why would an extra payment be applied on a different date than the mortgage payment? Again, it was all sent as a single payment.Lastly, the new statements are issued after the XXXX not early in the month so this is patently false. 
Although XXXX promised to send evidence that the payment was applied, I have received no such evidence. I am very concerned that the extra payments are not being applied AT ALL and simply pocketed by PHH. 
XXXX stated I would be receiving a record of my mortgage payments for this year. 
I have had issues with PHH in the past, such as having a fully paid off HELOC line stay as an outstanding lien on my property for years because XXXX did n't record it as a satisfied mortgage.
We are a music company and have a music convention at the XXXX XXXX every year where members and the guest fly in from all over the world to attend. Sometimes these guest have items shipped directly to the hotel. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX at Biehl & Biehl , Inc. collection agency stating there was a {$95.00} balance due from XX/XX/XXXX for a redelivery charge. I asked him to email me the bill since we always pay our bills on time. 

After reviewing the bill and contacting the company who shipped the item, it was confirmed that this was not our account. I have repeatedly stated this to XXXX who becomes more aggressive in his calls and emails and keeps telling people on staff who answers the phone that we owe them money, which we do not. We have never ordered from XXXX XXXX and XXXX XXXX keeps harassing us over an account that is not ours.
I owed all together about XXXX $ in medical debt ( about 4 accounts all together ) one account in paticular ( the only one im complaining about ) they served me paperwork stating i owed XXXX $ i called debt collector CLARK COUNTY COLLECTION SERVICES ( XXXX ) who told me i ACTUALLY owed XXXX ( In a very ''matter of fact '' voice ) and informed them that i would pay it before the court date. I paid the debt in full on XX/XX/XXXX ( XXXX ) and thought it was done and over with and i emailed the ATTY that was retained for the case and he confrimed the account was paid in full ( i can provide documentation for all ) ( i do not recall the date of service however but i have the ppwk at home ) The collection agency is now calling me after all accounts were paid stating i owe an additional XXXX $ ( the cost to serve me ) however the XXXX i was told by XXXX ( allegedly all calls are recorded ) included interest as well as legal fees and that is why the cost was so much ( i was rather confused why they would seek a judgment for XXXX $ if they stated i owed XXXX. I am very frustrated and feel that i am being wronged and that they have no problem making up charges as they go so i am going to speculate this is common practice for them. It is now XX/XX/XXXX and i am still dealing with this. I am no lawyer but commons sense tells me its probably somehow ILLEGAL to just make up charges- This is definately deliberate and not an accounting error otherwise i would not still be getting calls everyday to pay the XXXX $ which is a slap in the face to me after all of this. Not to mention after it was all paid i NEVER was sent a letter stating i owed any other additional funds before i started getting calls over and over agian. I will not be paying this XXXX . It is riduculous that the burden of proof is on me the consumer to dispute these debts when they can just make up charges as they go. Something is seriosly wrong here.
I was late on my payment, however I made the correct payment amount on my account. Now they 're charging me again for the same month which I paid for for XXXX.
Today I was garnished {$130.00} ( 25 % ) of my check and don't understand why. My payroll department emailed me a document showing a court order of {$2200.00} garnishment. I had never heard of Midland finding before and never had a credit with them, let alone a balance owed. I called Midland and they claimed to be a debt collection company and said if I hadn't been notified correctly that I have to take that up with XXXX Court House, that there is nothing they can do. I don't know how they can do this without proving this is my debt and never notify me of being sued. How is it they can just sue anyone for anything without proof?
Equifax compromised my security and opened up MAJOR risk for financial loss and identity theft. 

My name, address, full social security, driver 's license are all available to the public due to this security breach on their part. Possible identity theft makes any credit or mortgage, employment concerns, now a valid threat to my me and my family.
My husband and I purchased a car through Santander. The car was repossessed and sold before we were able to resolve the payments in XXXX XXXX. The balance was being reported on our credit reports as both open and closed up until a few months ago. I contacted Santander in XXXX XXXX regarding this debt and there was no response, but the status was then changed to a charge off. The debt is past the statute of limitations and is uncollectible according to the state of MS. Santander continued to call several times after I asked them in writing not to call me concerning this debt, which implied that this debt was still collectible, continuing to violate the FDCPA. I have disputed this account on both my behalf and my husband 's but they continue to report it and update the account on both our credit reports.
I tried to dispute this case with BB & T and was treated very poorly in many nice words.I am attaching the letter I gave them. I overdrew my account XXXX yet I got charge XXXX times for a total of {$460.00} instead of {$72.00}. Why am I disputing this? Well according to their posting procedure which should have been posted in order I would not have had this issue. I first spoke to the senior personal banker and I know she do not really wanted to clear this.I am just speculating. I apologize if I am wrong. I also spoke to the manager seemed to understand but said to me that It would not be fair to treat me special ( XXXX/XXXX/2015 ) .I do n't care to be special just do n't rob me or anyone blindly. At least XXXX XXXX XXXX and XXXX do not deceive their customers in their disclosures. They state clearly that they can change posting orders which I am sending to you to see what they have on paper. 
BB & T representative at the branch said it is considered a hard posting. I do n't see how the computer system coincides with their policy. I am willing to take them to arbitration.
Experian fails to delete false information inserted to my credit report. Experian 's failure to properly investigate this matter has caused denial of credit due to their negligence. 
XXXX has attached a MIXED FILE to my credit report, yet refuse to correct and delete this knowingly false and damaging information. XXXX avoids their legal requirements by stating I am to send them a police report. This is NOT identity theft, this is ( Mixing files ) in which they fail to correct when required by law, and they willfully neglect to correct and continue to cause damage. They give two names which neither belongs to me. XXXX has failed to respond to my complaint. XXXX has failed to respond to CFPB complaints. XXXX uses XXXX to attempt to collect on false debt yet does not have ownership required by law. Multiple violations by XXXX and Experian.
On XXXX XXXX of 2016, my husband and I went to Sears to purchase patio furniture set. When we went to the checkout they said we could open a Sears MasterCard with no interest up to a year. They took my driver 's license and asked for my contact information, my mailing address and seemed to input it into the computer system. We received the patio furniture and waited for the card and the card never arrived. When I was speaking with my family hmy brother said he had received a Sears card at my permanent address my parents ' house. He said he called and told him he never opened a card and there was nothing they could do and there was a charge of the patio furniture that we had purchased. He destroyed the card and gave the mail out information for my parents to send to me. I called the activation number for the card and I spoke with a Sears customer service representative for the card she initially asked for my brothers social security number which I do not have and thought that was strange and inappropriate because that is highly sensitive information. Then she asked for my social security number which she said she needed and I gave it to her over the phone. She then asked to put me on a brief hold to try and resolve the matter. When she came back she stated they needed a physical copy of the social security card and wanted it faxed to them. I told her that 's highly sensitive and I am not going to send that through a fax that is not protected. So she said there was nothing they could do on the mix up of the account because I was not willing to do that. I asked to speak with someone else and she said no one was available. She said they would contact me in several days but no one did. I filed a report with the federal trade commission. At that time, XXXX XXXX from Sears Credit Card assured me she had closed the account and all we had to do was pay the balance but even though they cashed our check and had the gall to charge a late fee on an allegedly closed account! She lied about the account being closed and about any late fees, and Sears lied about the account being interest free because they instantly penalizdd us for not paying on time even though the account was n't opened appropriately and even though XXXX assured us that is would not be an issue.