WillisBack/dataset-financial-user-claim huggingface dataset:
Arizona XXXX University has sent this debt that they claim I owe for tuition to this agency. I did not complete semester and I had told them to drop me from the online classes before the XXXX XXXX 2012 withdrawal date, which they did not do and has charged me for the whole semester.
Hello! I have a Visa Barclay card. I was added as an authorized user by my ex boyfriend ( which I consented to at the time ) ; we broke up about 1.5- 2 years ago. I 've asked him several times to close this account and he has n't done it. I 've called the number on the back of the card ( XXXX ) twice and they stated both times that without the last 4 numbers of the primary account holder 's SSN, their DOB, and the phone number on file for the account they ca n't even access the account to close it. I have n't gotten any further than this with them. I do n't know if the primary account holder is him or his dad, or any of this information as it would appear on the Barclay account. I 've asked them several times and they say they ca n't help me at all without all of that information. I do n't want to be stuck on this account forever just because some guy I used to date and his dad wo n't answer my calls or texts. It 's also just beyond me that without this information they are wholly unable to help me in any way to just close the card and get my name off that account. It 's very frustrating that this card is in my name, attached to my credit report, was opened with my social security number, and they are telling me I have absolutely no control to close a card that is attached to me in a personal way. His dad also just declared bankruptcy and I just do n't want my name tied to them anymore. Please help me close this card out, Barclay wo n't!
I was contacted by Chase XXXX XXXX on XXXX XXXX, XXXX with an offer for a HARP refinancing with no closing costs, no appraisal, easy process. I met all the criteria listed in their email. I was told that I had a superb credit rating. As the process went forward I was assured by the Chase representatives that my refinancing loan was approved, and we were just looking for a date I could sign the papers. Everything was in place. Then I kept being asked for more information, and more information. I was told my loan was not being approved because I have a residence in XXXX. They had always known this information and knew it at the time I was told the loan was approved. I told them that I pay state taxes in Colorado, have an address there, and vote in Colorado. Yet, six weeks later, I was still told that a senior underwriter was turning down the loan.I have included the original email. I met and continue to meet all the criteria listed in that email. It looks like they created a way to turn down the loan that was outside their stated criteria. 

I had exactly the same experience with Chase in XXXX. At that time Chase again told me that my loan was fully approved, and did n't require any documentation. The Chase mortgage representative kept being puzzled when I was asked for more information, then more information, then more information. He said that nowhere in this loan was I supposed to even be asked for that additional information. Again, the loan was turned down. 

At the very least, Chase XXXX XXXX can not be trusted to follow through on their commitments. I wasted a great deal of time and effort providing all that I was asked to provide, signing all of the forms, etc. I was told the loan was fully approved, but Chase did not honor that commitment. 

There is an additional piece of information that I would prefer NOT be included on consumerfinance.gov. Several years ago I surfaced unethical behavior on the part of a senior Chase loan officer. It 's reasonable to wonder if being asked for additional information, and finally having two loans turned down after I was assured and promised that they were approved, may be in some way be payback.
Information and balance incorrect. Too old to be on file. Every few yours the company will send paperwork and than change account open date to the current year. So the account will stay on my credit. Account over 10years old and should not be in credit report. Its against the law and collection items fall off after 7years.
Ad Astra has been falsely reporting information for 3 years. Ad Astra did not respond to a debt validation request within the time-frame as set forth by the Texas Finance Code and FDCPA. I have attached a timeline and PROOF in the form of USPS tracking and successful faxes. They have falsified dates with the intent to deceive. They have IGNORED Cease and Desist letters that I have sent. I have also disputed with Credit Bureau with no results. It is my assertion that the credit bureau merely take Ad Astra 's word and do not truly investigate.
XX/XX/2018 I made a loan on XXXX XXXX XXXX and did read the hole loan details for 700 buck I read it today and it said It was over 700 % interest
They closed ALL  XXXX   Chase Cards   ( Business & Personal ), and I dont like that. I am a loyal customer who Charges & Pays in  full, About {$30.00}  Grand per Month. N ever lat e. Always Paid in Full. Unacceptable.
Reply to complaint # XXXX Thank you for your reply, I had not mentioned that the failure of XX/XX/XXXXpayment was again due to Wells Fargo. Please Check your records, the payment was made on time as I have from the very start of my mortgage. Someone from Wells Fargo placed a stop payment on my account back in XX/XX/XXXX, I was able to successfully submit my XX/XX/XXXX payment but for some reason my XX/XX/XXXX payment was blocked. I was notified by a Wells Fargo representative that my payment was due, that is how I learned of the stop payment. I immediately made the payment when I was informed of this situation and the stop payment was removed. Additionally, I am unsure how this relates to my complaint, but there is your explanation. I still do not know who or why a stop payment was placed or how one payment was accepted and the next was stopped.

Considering we are bringing up matters that have no relevance to my credit or credibility, I am happy to bring to light matter of Wells Fargo sending me another clients personal file. This file included all their personal information about their bankruptcy and financial hardship. While I am a man of my word and honest, I explained to Wells Fargo that I would not contact Mr. XXXX. My trust in Wells Fargo had been restored by Mr. XXXX making matters right, until I was witness to how private information is mistreated. I have no confidence that Wells Fargo has done what they can to repair my credit. This is a prime example of Wells Fargo 's sloppy attention to detail and my overall experience with each department. Mr. XXXX XXXX information attached exactly how it was sent to me.

Back to my initial complaint, while I am not a a credit expert I am aware of certain features available to make changes fairly rapidly. A third party company like XXXX could have resolved this matter within 24 hours. While Wells Fargo has corrected the other issues they caused, there is one that still remains, my credit. This matter has caused several issues to include hardship and having to switch to a one car family because I can not obtain credit for a new car. If the request to the credit bureaus were already sent once, what was the reason for sending twice? All the Credit bureaus are is a bulletin board in which information is posted and Wells Fargo is responsible considering they put it there.
This is a copy of an email I sent to the servicer this morning XX/XX/XXXX : Good Morning, I am having a hard time understanding your practices when it comes to loan servicing. Information relayed between representatives to myself was not clear and concise. 

I changed my payment plan to be to a Graduated Repayment Plan on XX/XX/XXXX, notice of approval on XX/XX/XXXX with payment schedule attached. When I did this I was not told I was still under the umbrella of an IBR ( today was told this XX/XX/XXXX ) from XX/XX/XXXX. I was told that a part of my loans were out of deferment time, and payment would begin on XX/XX/XXXX. I was sent a letter saying my in-school deferment was approved ( XX/XX/XXXX ) and this was Moring was notified that my loan payments under IBR was increasing and my payment was due on XX/XX/XXXX to {$430.00}. Still nothing that there is a payment due on XX/XX/XXXX. 

I want to know, how, with all the letters stating my payment are staring on XX/XX/XXXX, I have a payment past due on XX/XX/XXXX, the I was NEVER informed of. Then to have the representative tell me I need to have a forbearance to have this payment put on hold. I declined the forbearance because I should not have to do one when there shouldnt be a past due balance to begin with. The representative told me it will be corrected in the back office, with an advised date of XX/XX/XXXX, however, my payment will still show delinquent, until it is fixed from the back office. Then in XX/XX/XXXX I can resume my XX/XX/XXXX payment on the Graduated Extended Repayment Plan. The representative kept reiterating that they are two days past due, and no late charges or credit reporting has been done. This does nothing for me because there should not have been a payment due. 

I should not have had to go through this in the first place. This was ridiculous and an inconvenience. This needs to be fix ASAP. There is a disconnect in information and how it is processed. I have attached the e-correspondence pertaining to this situation. 

I look forward to your replay as to why this has happened.
On XXXX XXXX, 2015 my bank sent out a check to Old Navy and paid the entire balance of {$1300.00}. The statement was sent from my bank and showed the check number, date cleared, etc ( it cleared on XX/XX/XXXX ). Since the beginning of XXXX, I 've been desperately trying to get this resolved! I 've been given the runaround by both Old Navy AND Sychrony Bank. It had even gone as far as them giving me phone numbers and fax numbers that do n't exist. I have tried faxing my bank statement showing the payment made over XXXX times and have called about XXXX times. Now, I 'm receiving a letter through mail that they are charging me late fees and sending me to collections for non-payment. Please help me! I 'm losing sleep over this because I do n't want my credit to be ruined.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion XXXX XXXX Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
Incorrect information on late payment by XXXX was not corrected by EXperian as requested by XXXX. XXXX requested that each of the consumer reporting agencies to : " Delete the delinquencies from my credit report '' XXXX did as requested but Experian and XXXX have not. This is my second complaint on this subject.
The week of XX/XX/XXXX I sent validation/ verification to Experian , XXXX , and XXXX  because XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and Experian. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
I was never notified as the co-applicant that payments where late. 
My son XXXX XXXX who has XXXX tried on a number of occasions to resolve this issue. He spoke to representative name XXXX @ XXXX she never offered XXXX any type of alternatives to keep the car. Only to pay the balance in full, he tried on several occasion try to explain to her that he worked for a hotel and during the summer months his hours are cut in half. Because of his XXXX it is hard for him to find work and explain himself over the phone. I wish XXXX would have contacted me about the loan I could have helped solve the issue. Understand XXXX was trying to handle this issue on his own, but when someone has no compassion or respect for someone with a XXXX it is hard. 
I feel that if XXXX would have showed some amount of concern or compassion for XXXX or valued him as a client and appreciate his business he would still have his car. She never offer to move his past due payments to the end of his loan.
XXXX XXXXXXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
So Ive been trying to repair my credit I have XXXX helping me. Well I paid {$1.00} to XXXX for my scores and I was looking at ways to improve and there were a few cards with no annual fee it said matched for you based on my score. If I would have known that it was going to decline my application I would have never even tried. It was misleading and I feel that Im trying to fix my credit not make it worse with hard inquiries The XXXX app should not have posted cards to help repair matched based on my scores. Can you please help me
I am so mad I could spit nails. We have heard nothing from Experian regarding the data breach. We tried to get information and were sent to an non-working contact site. How will we even know if our financial data was compromised? What 's taking so long? 

Since we have no control over credit reporting agencies, what can any consumer do to protect him/herself? We did freeze our credit in XXXX XXXX, but we understand that the hackers broke into the Experian data base around that time. I could find no email address for Experian either, but when I opened their website, it showed that I could purchase protection from them. HA! 

There seems to be little protection for citizens again big business whether it 's fraud, theft or any other kind of abuse. 

Thank you.
This issue has since been resolved, but I wanted to submit a complaint, to help future consumers. I am an attorney, know my rights and am assertive. I was given the run-around for over 2 months by Citicard and finally had to resolve my issue through the vendor directly, because Citicard refused to do so. On XX/XX/, I disputed charges to XXXX XXXX in the amount of {$2800.00} made on XX/XX/ and {$2500.00} on XX/XX/. Citicard initially put these sums in dispute. Two weeks later Citicard put these sums back on my statement without notice, claiming they needed documentation. I immediately called and told them I would immediately submit the documentation ( which I did ) and asked them to put it in dispute again so I would not incur finance charges and my credit limit would not be affected. They refused. I asked to speak to the person in the billing dispute department handling my dispute to speak directly with him. I was again refused this request. I waited several weeks and called back. The billing dispute representative again sent a letter requesting I submit the documentation evidening my dispute. I then submitted the same documentation two more times, as I kept getting the same letter requesting the same documentation. After each letter, I called requesting supervisors and to speak directly to anyone in the billing dispute department in an effort to determine why my dispute was not being managed properly. Over and over again I was denied. I was bounced to different departments and different supervisors making false promises that were never fulfilled. I spent hours on the phone, on hold, and being bounced around. Citi NEVER resolved my dispute. Citicard never put the sums I disputed back in dispute, in the over 2 months this mess occurred. I asked the various Citi representatives if they had attempted to contact the vendor directly, and why the burden seemed to be placed on me. They had no answers. The vendor had been destroyed by a hurricane in XXXX, which is why it was difficult for me to make contract with them directly. Their computer and phone systems were done for over a month. The vendor closed permanently, which is why I was forced to seek a credit to my account, as my family was unable to stay there our proposed dates. In fact, I finally ( after several more hours ) was able to resolve it with the vendor who finally in XX/XX/XXXX, credited my account. To add insult to injury, the person who was managing my dispute ( to whom I was never allowed to contact by phone or email ), sent me another letter in XXXX, 2017 ( after the money had been refunded ) asking for the same documentation he had requested 3 times previously, to which I had provided 3 times previously, and he had no idea the vendor had credited me. I have letters and emails documented all of this. The claims person was named XXXX XXXX, but as I said previously Citi refused to let me contact him or any person ( including a supervisor ) in the Billing Dispute Department during the entire time. I want to protect others from having this happen. If I can be given the run around I can't imagine what someone less assertive or sure of their rights would expericence.
Equifax 's data breach supposedly included my data which would easily allow someone to steal my identity and attempt to open credit lines in my name. Equifax 's handling of the situation thus far has been terrible, including trying to get people to sign up for a free monitoring service which included a clause attempting to force people to wave their rights to file a lawsuit against them ( I did not sign up for this service ). Also concerning is the news that higher ups at Equifax used insider trading info to sell stock before making knowledge of the breach public.
I started making payments for my loan in XXXX. I made IBR payments. They were roughly $ XXXX/month. My husband and I were filing jointly so my payments were very high. I didnt understand why my husbands salary had to do with MY student loan. Anyway, after XXXX we filed separately and my payments went down, finally. The only reason I did this was because after 2 years of payments not 1 cent was put to principle. How do you make over {$7000.00} worth of payments in a year with nothing to show for it. I am obviously trying to pay it off, but I filed taxes separate and my payments went down. I started in XXXX with {$160000.00} in debt for my XXXX of XXXX XXXX. Now it is XXXX and that has grown to {$210000.00}. In XXXX my husband and I were blessed with our little girl. I was out of work for 3 months. I was told by Navient that since I wasnt working my loan would go up to {$30000.00} in those three months. This is when I started giving up. I would like to pay off my debt, but in 7 years of IBR I now owe {$50000.00} more than when I started. What's the point in doing the right thing? What's the point in going for your XXXX so you can help people? Just ridiculous. There is no way out.
I 'm writing this letter in hopes of getting some resolve of my student loan balance. I mailed a letter to former President Obama and current President Trump regarding my extensive balance with Navient/XXXX Loans. I attended XXXX University ( XXXX ) and XXXX University ( XXXX ). My wages were garnished and my debt to income ratio is severely high. I 'm being told that I owe over {$500000.00} in student loans. I cant wrap my mind around such a figure. I 'm a XXXX and I barely make {$XXXX} a year. No one from XXXX or Navient are able to tell me where this balance came from. I 'm currently in a re-payment program where I pay {$80.00} per month. I was told after 10 years, my end balance will be forgiven. I need help in resolving this matter. I can be reached at XXXX for any questions or comments. Thanks for your attention to this matter. 

Sincerely, XXXX Customer/Complainant
I WAS CONTACTED BY WELLS FARGO BANK ABOUT XXXX OR XXXX, I WAS GIVEN A CREDIT CARD WITH A {$9000.00} CREDIT LIMIT, THEY JUST GAVE IT TO ME I NEVER APPLIED BECAUSE I DID N'T THINK MY CREDIT SCORE AT THE TIME WOULD ALLOW ME TO HAVE THAT MUCH ON A CREDIT CARD LIMIT,. THEY JUST GAVE IT TO ME, AND NATURALLY THOUGHT IT WAS A GIFT FROM XXXX, I USED IT A COUPLE OF TIMES FOR CASH ADVANCEMENTS, AND TO PAY OFF SOME OTHER CREDIT CARD BALANCES, THEN ALL OF A SUDDEN THEY CONTACTED ME AND SAID DUE TO FURTHER RESEARCH THEY SLASH THE LIMIT FROM {$9000.00} BACK TO {$2500.00}?? THEIR WERE N'T ANY LATE PAYMENTS ON MY PART, THEY JUST CUT THE LIMIT BACK, THEY HAD ALREADY CHARGED ME FOR THE ACCOUNT, AND FEES CONNECTED WITH OPENING THE ACCOUNT AND CASH ADVANCEMENTS, IT DID N'T EVEN REGISTER WITH ME UNTIL I READ THE XXXX XXXX ON XXXX ABOUT WELLS FARGO GOING AFTER XXXX ( I AM XXXX YRS OLD )