WillisBack/dataset-financial-user-claim huggingface dataset:
My school closed. It was owned by XXXX College. I first attended when it was XXXX College and then it became XXXX XXXXXXXX University. I attended from XX/XX/XXXX through XX/XX/XXXX,  graduating with an XXXX XXXX in XXXX XXXX and XXXX. I started a family and took time off. I returned from XX/XX/XXXX through XX/XX/XXXX. I accumulated approximately {$35000.00} in Federal student loans. Prior to my last quarter to receive my XXXX XXXX, I began contacting other colleges in the XXXX XXXX area such as the University XXXX XXXX Florida so that I could receive my XXXX XXXX from a better known university. I was shocked by what I learned and so discontinued attending XXXX and did not complete my XXXX program. The reason was that while XXXX had told me again and again that my credits would transfer to any other college that I would want to attend, I learned that not only would I have to retake not only my entire XXXX program but some of my XXXX program as well. I was also told XXXX had employment programs for graduates but as it turns out those programs never existed. I was also never counselled on how my student loans could ever be repaid after graduation. I was furious and sought legal help but no one would help me so I just turned my back and walked away. Once I walked away from XXXX that was that as far as I knew. Until not long ago. A few months ago, I was in need of an official college transcript for a job offer. In my attempt to contact Florida XXXX University, I found that the school had closed, became XXXX College, closed again and is now XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and I was able to receive an unofficial transcript but this is not what was needed. After several weeks of contacting XXXX again and again, I was told that while there is a record of my attending XXXX, there is no record of my XXXX and so I could not obtain an official transcript. Needless to say, I did not get the job. My degree is worthless! Since then, I found that XXXX College had been sued in a class action suit, which failed, and also by the CFPB. I just learned that the CFPB had sued and won a settlement against XXXX College in XX/XX/XXXX but XXXX had filed bankruptcy and so CFPB has never collected. I do not feel that I am able to legitimately able to continue using this college information on my rsum as I can not prove that I XXXX yet I have student loans to repay, which are almost double what they were when I XXXX. I do not feel that I should be responsible for these student loans because I feel that I was defrauded. I have nowhere else to turn. I have twice submitted complaints to the U. S. Department of Education, ( XX/XX/XXXX and XX/XX/XXXX ), but have received no response and do not expect to. I also reached out to my lender but was told it could not help me because the school closed after I had XXXX. Is there anything that CFPB can do to help me?
XXXX XXXX/XXXX XXXX XXXXXXXX is reporting that I have filed bankruptcy and defaulted on a credit card with them in XX/XX/XXXX, Experian is reporting this information. They are also stating that the account was closed in XX/XX/XXXX. This information is incorrect and harmful to my credit. I filed chapter XXXX bankruptcy in XX/XX/XXXX,  this creditor was included in the filing and all was discharged in XX/XX/XXXX.
I have an FHA loan with  US Bank Home  Mortgage that was opened  XXXX   XXXX ,   XXXX  . I was told after 5 years/20 % I would no longer have to  pay PMI. I periodically inquired to determine if I had reached that mark. I received a letter from US Bank well over a year ago stating I still had to pay this. I inquired again about a week and a half ago about whether I had reached the mark to not have to pay PMI anymore. I was told I would receive a letter. I received a letter today that stated my loan met requirements under HUD for termination of PHI. I then called US Bank to determine the exact date these requirements were met.   XXXX   told me that I should have stopped with the PMI payments two years ago. I was never informed. I am requesting that I be refund ed any money that I paid toward PMI from the point I met the criteria.
There are XXXX issues with my Chase Mastercard. 
There were a series of non requested upgrading of my card that resulted in charges and eventually fines for a service I did not requested. This affected my credit rating. 
From XX/XX/XXXX to XX/XX/XXXX I had monthly non authorized charges for purchases I did not make, and my account was penalized for overdrawn because I did not pay this illegal charges. Eventually Chase Mastercard made some refunds but they immediately withdrawn supposedly to pay new purchases from the same company whose charges were not authorized. 
As result of this illegal practice I was reported to the credit bureau and received a bad score that seriously affected my credit
This involves a Sears Mastercard issued by Citibank. I have not been able to log into my account on their website for nearly two months. I have updated my system to the latest browser ( s ) as suggested and still I am not being logged in to the website completely. There is something wrong with this company 's website and/or business practices. I have not been able to get through to a customer service agent via two different phone numbers provided by Sears ( or Citibank ) for this purpose. I am constantly routed through a ridiculous automated phone attendant system. When I am finally allowed to ask to speak to a customer service rep, the phone call is then quickly terminated. I am trying to suspend paperless billing because I have not been able to make a payment via their website since the website never completely logs me in. This is a well-know issue with this vendor and something needs to be done about it. It is pathetic how these companies are taking advantage of people who are trying to meet their obligations and protect their credit scores. I owed a grand total of {$27.00} last month and now owe {$57.00} thanks to a {$30.00} late fee which they are stealing because they are preventing me from accessing their website to make payment. I now have to visit a retail location in order to pay off this account. I 've been a customer of their 's for nearly 40 years ... never again ... they can drop XXXX.
Ive tried numerous times to resolve issues with Wells Fargo but they keep coming up with lie after lie trying to say they notified us when we were in danger of a foreclosure when you did not, saying we didnt pay when we did try to make payments but they told us we couldnt during a loan modification so they are the reason we fell even more behind on everything ... when we finally got a chance to do a loan modification they turn around and say we never did a trial run and we didnt make payments when we most certainly did and we have had enough we had to do not one but two emergency bankruptcies that cost us money we dont have and had to pay which messed up our credit even more ... not to mention the stress they have been causing us which in turn has made us not feel to great we want restitution in the amount of XXXX XXXX not a XXXX less ... we will not rest until we get this resolved and save our home and our sanity.. from what these crooks did to us ...
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It is their sole responsibility to properly secure this data.
On XX/XX/17 my sister & I each applied for an individual Best Buy Visa card, sharing the same last name & address only,  but different social security numbers. While she filed a claim with this bureau to received a written decision, I however have not received one, fueling confirmation that she was wrongly accused of having submitted duplicate applications. The enclosed list of my XXXX credit report inquiries page confirms my inquiry of matching application date, same as my sisters. However I have not received my decision letter, a violation of both the Fair Credit Reporting Act, & the Consumer Financial Protection Bureau.
I received a letter from the KYC department of Citibank early XXXX requesting me to contact them as early as possible before XX/XX/XXXX otherwise my account will be blocked. I called the given number XXXX -- XXXX on XX/XX/XXXX. It is a call center in XXXX, XXXX. The person I spoke to by name XXXX said all they required from me was to complete a form XXXX. On XX/XX/XXXX, I proceeded to XXXX XXXX XXXX XXXX XXXX, XXXX, CA where an XXXX by name XXXX XXXX completed the form with me and proceeded to log it into their system and sent a copy to the KYC department. He assured me that I had provided the needed information. 

However, on XX/XX/XXXX my bank account was blocked by universal block. All efforts to have my account unblocked have failed. The branch said only XXXX, XXXX KYC can unblock my account because no one in the States can do it. Amazing.
I am a victim of identity theft and I would like TransUnion to look into my report that I am submitting. I would greatly appreciate since I am not able to mail off necessary documentation. I will upload documents with my complaint. 
Thank you for your understanding.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Credit Corporation refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
My personal information seems to have been mishandled which puts me and other consumers at risk ( XXXX XXXX XXXX ) .I am listed as a potential victim according to their equifaxsecurity2017.com website. Furthermore, according to the above article, the breach was discovered on XX/XX/XXXX, and several Equifax executives sold their stock in the next few days ( although indicating this had nothing to do with the information breach ). However, I was not notified until this point through my own investigation ( XX/XX/XXXX ).