WillisBack/dataset-financial-user-claim huggingface dataset:
I was lied to by a school recruiter named  XXXX   (   XXXX   XXXX   ) w hen I had inquired about going to college for an  XXXX  of  XXXX   XXXX  degree. He stated the amount of student loans I would need would be no more tha n 15K  when I was completely done and graduated. This amount was not even close to the amount it was (  XXXX  ) after completion. I would never have went back to college if I had known the truth about the costs, but I was lied to. I worked very hard at school and graduated with a high GPA. I graduated in  XXXX  with my degree and was super excited to get into the work force with a new career after having been a single mom for years and then a   XXXX   XXXX   XXXX   XXXX  . This degree offered me everything I always wanted for myself, for financial freedom, it meant the world to me. I spent 3 years looking for a job related to the degree I worked so hard for and I still look, there are no jobs for me to use this degree. I feel duped, lied to and used to make profit for the government. I was pressured to go to school " To make your children proud of their mom '' was what the recruiter  XXXX  said to me on the phone. Now I am in a situation in which I am in a pay according to my income, which is at the poverty line, it hurts my credit and the interest has it u p over 50 K  now. I have been frauded and knowing what I know now, there is no way I would have went to school. If you can not help me with this, please send to whatever department that can help me expunge this debt as it was under fraudulent means!
Hello, mortgage : XXXX XXXX in dispute : XXXX XXXX report # XXXX XX/XX/XXXX, I contacted Experian to dispute a delinquent payment on my credit report. I was advised the mortgage company had to correct the late pay and resubmit to the credit bureau. I sent my mortgage company a copy of my XXXX postal tracking # It was mailed as a 2 day priority. 
As of today, this is STILL showing delinquent on the credit reports. Per Experian, they closed my dispute in XXXX hours, referred me to my mortgage company and to date, have not corrected or removed my late payment as an error or acknowledged as such. 
EACH late pay cost me XXXX points on my credit report. For them to force a lower score on me is questionable and unethical. It appears that they use " late pays '' as a means to force people to purchase their credit products. 
Today, XX/XX/XXXX I contacted my mortgage company yet Again and was advised the XX/XX/XXXX is showing current in their system. 
Please advise. Thank you for your time. 
*******************IF you choose to publish this, PLEASE REMOVE MY CREDIT REPORT NUMBER! THANK YOU! **************************************************************
I have a credit card through citizens bank. Recently I missed a payment and paid late. After paying everything off I contacted the customer support to make sure that everything was good. I double checked about all extra fees and costs, specifically asking them about any extra fees. The representative assured me that there would be no extra fees after paying the amount in full. The following month, I discovered that they had still charged extra interest on my account. I called customer support and their resolution was to not hold their representative accountable and to still charge my interest to my account.
Went online to request my free credit report from Equifax. Message reads unable to complete without any reason given and to mail in request. I mailed three different times each time getting a letter from Equifax statibng they need the same information. I want a copy of my free credit report.
I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time in XXXX of XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any Debt and have been a Customer who has always paid on time for Services or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home in XXXX of XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the Collection was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over 30 times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day 1. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service Database, XXXX informed me they contacted Experian and XXXX to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to 60 more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for 30 years.
I have already complained about funds stolen from my prepaid cards XXXX and XXXX ( see case # XXXX ). 
US Bank responded on XX/XX/17 that I should sent them email with my driver 's license, copies of receipts and copies of my cards and then they would send me refund. 
I am unsuccessfully trying to get this resolved since that. I have sent them all this information several times, however no resolution was received. When I am trying to get the status of my case I am getting back emails that my case was closed. The last time I received a response that my email was received without attachment, although I have sent it with attachments several times. Moreover, they should already have a copy my driver 's license, receipts and copies of my cards because I faxed all this information to them in XX/XX/XXXX when I opened my case. It looks like they are just not interested in resolving my case.
This dispute is in regards to an incorrectly reported collections account on my credit report by the Department of Veterans Affairs starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the Depart of Veterans Affairs to remove the items from my credit report but both the reporting agency and the VA failed to remove it. I was pulling GI Bill benefits from the VA to go to school and then graduated in XX/XX/XXXX with no correspondence from the VA in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling VA benefits once I graduated. My contact information with the school had been updated immediately and since the VA was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the VA would remove it from my credit report. The VA nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the VA remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the VA for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the VA and money being taken away from my pay checks. I believe the VA did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The VA is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of XXXX  remove this from my credit report. Thank you very much, for the third time.
My wife passed away last month, she had a personal credit card and a personal account with Citibank. 

I also have myself another personal account with Citibank, where I receive my salary. On this specific account my wife was a co-signer. 

After she passed away, Citibank is now charging me the bill of her personal credit card. Which I have nothing to do with. 

She had no will or state. I do n't think this is correct Citibank trying to charge me of debits from her personal credit card.
XXXX MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!
On XX/XX/XXXX I was inappropriately assessed a total charge of {$46.00} by Intellius.com on my XXXX credit card account # XXXX for service I did not receive, which is still outstanding, despite my writing XXXX 's XXXX at XXXX XXXX, XXXX, KYXXXX on XX/XX/XXXX. I told him/her if they can't rectify the charge and credit m {$46.00}, Cancel My Credit Card XXXX. Note : I always pay my balance upon receipt, except the XXXX charge of {$46.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX
FedLoan Servicing took over as my student loan service provider after I submitted paperwork for Public Service Loan Forgiveness. I did not receive notification from FedLoan Servicing until XX/XX/XXXX, which was in the form of an email that only provided information on setting up my account with them. On XX/XX/XXXX, I received information in the mail from them describing repayment options and student loan forgiveness. They also provided information about my first payment, which was scheduled to be due on XX/XX/XXXX. The letter detailing this information was dated for XX/XX/2016, three days before that first payment was due. 
After setting up my account to see if it was possible that it was a typo and actually meant XX/XX/XXXX, I noticed that my student loans were labeled as delinquent. I contacted FedLoan Servicing today and spoke with a customer service agent, who notified me that my delinquent status would not affect my credit score or my chance for student loan forgiveness. The person I spoke with also notified me that FedLoan Servicing provides a 15-day " grace period '' for payment. This information was not provided to me in any of the documents I was sent via mail or email. 
I do not believe that I was given sufficient notice for payment from FedLoan Servicing, nor was I informed that there is a 15-day grace period to pay until after I called to speak with someone.
I have contacted transunion many times in regards to this matter. XXXX XXXX in the amount of XXXX remains on my account after disputing many times because no documentation has been goven to me verifying this is my dept. They only send me my bill to pay them which i know we had no contract. My name is not even spelled right on the bill. Transunion states they have verified my dept to this collector but no verification has been presented to me.
To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.
In XXXX I was vacationing in XXXX XXXX XXXX XXXX. I experience identity theft and my account was charged almost {$600.00} I filed my fraud claim with Bank of America and they came back and said because I had made purchases the same day the fraud had occurred with the same merchant the frauduelent vendor had also used that they are unable to determine if any fraud has occurred. This is why we sign receipts, the bank is not doing their due diligence and im out {$600.00}. Because every vendor in XXXX uses the same merchant that should n't be my problem. Please help
1 ) My Social Security Number, Date of Birth, and full address were stolen as part of the Equifax hack of 2017. Upon finding this out, I instituted a 90 day credit monitoring service on my account, and did a full investigation into my current credit status, which cost a significant part of a workday.
2 ) I tried pulling a full credit report from equifax using XXXX to ensure that none of my information is incorrect, but their website was not functional ( so they owe me a free credit report as well ) 3 ) Numerous executives at the firm sold shares/exercised options in the firm stock in the days leading up to the hack becoming publicly available information. This warrants further investigation. XXXX XXXX XXXX
I contacted IQ Data International regarding an outstanding debt that appeared on my Credit Report. IQ Data International informed me that they would reduce the total balance due to {$3500.00}, accept payment of {$1700.00} today ( XXXX ) and send me a letter/receipt showing that my outstanding balance would be {$1700.00}, due by XX/XX/XXXX. After I made payment of {$1700.00}, IQ Data International sent me a letter ( via email ) saying that I owed {$3500.00} due byXX/XX/XXXX. I contacted IQ Data International and asked for a " receipt '' for the {$1700.00} that I paid, including a remaining balance-due notice. IQ Data International refused to send me a written-receipt of payment and remaining balance due. When I reminded them that that was a violation of our agreement and illegal, IQ Data International said that I was committing fraud if I did not pay them. Regardless, I ordered a stop-payment from my bank and notified them of this illegal behavior. IQ Data International representatives were very hostile and made no attempt to honor our agreement or the law when they refused to provide a receipt of payment.
I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. O n   XXXX   XXXX  2017  the d ispute was initiated an d on   XXXX   XXXX  2017  th e investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.
We were going to get a loan through Freedom Mortgage, but after dealing with them and reading all the information from BBB and Consumer Financial Protection Bureau reviews we decided not to go with them.  After we told them no, the mortgage agent just kept going and it turned into a living nightmare for us.  The phone calls and emails became so crude and nasty we decided this was not for us.  We told them to stop the loan Saturday XX/XX/2017 in and email and the loan officer refused our request.  They continued to process the loan and connect us with closing on XX/XX/2017 through another email.  If you are considering these people run the other way, read every thing you can on them, protect yourself and your family home. They have so many complaints against them and call the BBB, Consumer Financial Protection Bureau, and read their reviews and findings.  Don't take my word take theirs. Threatening us if we file a complaint, they will sue.  Don't threaten me!  Last time I checked this is a freedom of speech country and we are entitle to our opinions, especially if it is to protect others.
I purchased litecoin using the coinbase website. Since I wanted the funds available immediately I used a credit card and paid a higher fee. I was using the money to invest in TRX, but when I tried to transfer the funds coinbase put a hold on my money. This is after 2 factor authentication to login, credit card authentication, bank account authentication, and identity authentication. Additionally, I have used this site before to do this exact transaction without issues so I had no reason to think they would hold my funds when they website clearly states they will be available immediately.
I am an American Express cardholder in good standing since the XX/XX/XXXX. I disputed with XXXX a charge incurred in XX/XX/XXXX on my XXXX XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I felt that I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. Basically, the hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

I provided all of the above information in great detail both in writing and orally to American Express. But XXXX closed out the dispute after simply contacting the hotel, which, of course, told XXXX that the charge was proper. No one from XXXX spoke with me, and XXXX clearly gave no consideration whatsoever to my to the clear and legitimate concerns. It is apparent to me that XXXX does not have a honest or real dispute resolution process that takes into account the concerns of the cardholder.
On 2 separate occasions ( XX/XX/2018&XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
I have tried several different external apps like XXXX and XXXX  to combine my scattered finances into one place. Capital One makes it incredibly difficult for me to share *my* information with these trusted companies in order to help me manage my money, including paying my bill on time!

It would be very easy for them to connect with other services like XXXX - I know this because it was only recently that this problem started. Having to go to fifteen different website to pay fifteen different bills is difficult, especially for the disabled like myself.

If Capital One wants to make sure that those they lend to pay back their loans on time? They should make it *easier* by working with these companies, not more difficult.
West Virginia Housing Development Fund ( WVHDF ) is incorrectly reporting balances on XXXX XXXX credit reports. They either need to delete XXXX XXXX completely or make the balances correct. I personally have a mortgage with WVHDF and on a monthly basis I have to dispute the incorrect balance. I also work for a bank and can see other WVHDF customers incurring the same issue.
Tracking # XXXX  XXXX XXXX XXXX Loan # XXXX  I suffered roof damage and received a $ XXXX roof check. I was mistakenly under the impression that I could bring the check to a XXXX XXXX XXXX   Branch with all my documentation and have the check endorsed to me. That is not the case, they have made this process incredibly difficult and after two weeks of submitting document after document they still haven't sent me the check. If the check was under a designated amount the consumer can walk in with the insurance information and get the check endorsed. But because of the amount they have done everything possible to make the process extremely difficult. I am required to submit 5 documents : -Insurance adjustors worksheet -Signed Bid from contractor -Conditional waiver of lien -XXXX  from contractor -mail the endorsed check to the Bank I completed all these steps and followed the exact instructions on their website and they continue to find a new item on everything I submit that is missing. I submitted the signed contract -- it was missing the amount of the job even though I was told to turn in the signed contractors bid -- that had that amount. I resubmitted with the amount then was told the contract is missing is the contractors address -- even though its his contract. I was then told to handwrite the contractors address on the contract or my other choice was for me to sign the contractors bid. This entire process lacks direction and is designed so that the consumer has to spend hours on getting one piece of information at a time. I would expect more pushback from the insurance company versus the mortgage company. I also included an overnight envelope to return the check to me which has disappeared. But all this assumes I will eventually get my check. They have provided a website : insuranceclaimcheck.com to receive documents and I have a record of everything I have sent. Two weeks, 4 lengthy phone calls and 12 documents later I still have no check and no roof. I have no delinquency issues I have never been late on my mortgage. This process is ridiculous and has me searching for a new mortgage company so I do not have to deal with this Bank anymore. Even after all the paperwork is approved I am told it will be 5 business days for them to cut me a new check that will then be placed in regular mail.
This account does not belong to me I have disputed this account ELAN FINANCIAL with the credit report company I have inform them that this is a fraud account. The credit report still reporting this account on my credit report they will not remove this item I have also inform ELAN FINANCIAL and they are not willing to provide with with any legal documentation with my proof of signature nor proof of DRIVER 'S LICENSE OR STATE ID please help me with this account again this account does not belong to me ...