WillisBack/dataset-financial-user-claim huggingface dataset:
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandl ed MY loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgivenes s because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
loan XXXX score different and incorrect from personal XXXX score. Multiple requests for XXXX report and no responseregarding why. ref report # XXXXExperian report.
XXXX XXXX XXXX took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
My first request for debt validation all that was received was a copy of a statement and a letter saying this is yours. I have again ask for complete debt validation.and have not received.any information at all. Meanwhile this item remains on my credit file and is causing me.problems with obtaining credit.
Transunion removed this account off my report From XXXX XXXX XXXX XXXX And now it has been posted back on my credit report. Illegal action 'credit aging ' transunion need to remove this from my credit report and it needs to stay off my report. It has already been removed!
Chase Sapphire Rewards card. We applied and were approved and added our son and his wife as an authorized user. The cards came and we began using them, replacing automatic payments and making this the primary so as to earn rewards faster. All transactions were approved for about a week or so then we logged in to make a payment and our access was restricted so we called customer care. They spoke in very cryptic and vague details saying it was under fraud alert and escalated to another department for review. We asked for reasons why and were given none. All the charges made had been for bills i.e cable, phone, insurance so we thought this was odd but nevertheless figured it would get sorted out. We have called and spoke with numerous departments and spent hours on calls being told they would call us back. We filed a CFPB complaint and received a letter from Chase to call their account rep XXXX XXXX. We have left multiple voicemails and he has left one voicemail returning our voicemails at a odd hour of day. We continued to call and leave voicemails hoping to reach him but did not. Late last week all of the charges on the card were suddenly reversed and we were charged late fees for various accounts i.e cable, phone, auto insurance. We have no idea what is going on with this credit card account we just know this is the worst experience EVER from customer standpoint we have ever had in our lifetime. No communication, no explanation all while restricting access to view and bill our credit card balance giving us anxiety that they will somehow manage to ruin our good credit.
Since  XXXX ,  XXXX  I have consistently requested that  XXXX  produce documentation ( proof ), that  XXXX  has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus.  XXXX  has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting A ct 15 USC S 1681i.  It is the law that  XXXX  produce a ( procedure in case of disputed accuracy ). Additionally I request a  Promise to  report payments in writing. As I have researched this issue, I have learned that this is common practice among  XXXX , which in turn  XXXX  continues to fraud mortgage holders after a bankruptcy.  XXXX  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for  XXXX  to  1 ) P roduce documentation Under the Fair Credit   Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loa  n after bankruptcy   XXXX  .
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX   with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to Calvary so they no longer report any updates.

Calvary states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX  states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is Calvary Portfolio. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Ive been a loyal employee with XXXX for 2 years and recently they said my cori background check came up with something without telling me what it is and Im unable to work with XXXX  which is my main job since I have XXXX. I think this is very unfair and unjust and will like this issue to be resolved as soon as possible in a just way.
National enterprise systems sent me a letter to sign inorder to participate in their loan rehabilitation program. the stated the principal balance remaining on the loans and they listed collection cost of almost {$4300.00} which aggregate the loan balance by that amount of money. I called them and said that they should collect the additional cost from the company who is asking for the money, not me. The person that I was talking to said that i agreed to pay collection costs when i said the original paperwork. 
My complaint is that these student loans are not designed to be paid back, they are set up to keep people in perpetual debt. Why does the student have to burden that cost of collections when they are already burden with the debt of paying back a loan in order to get an education. The only cost I, the former student and all students, should be responsible for is the actual cost of the education, as those cost are already exorbitant. 
We should not be charged for collections cost especially when our education does not guarantee jobs that are paying enough for us to be able to make and type of decent payment on our loans? thank you
I opened an account with US Bank in XXXX 2010. I was fed up with XXXX XXXX at the time, but eventually went back to them because they are the best big bank. I opened the account with them because I have a few student loans with them. I was working at a XXXX at the time and did n't have a big income. I over-drafted a few time, but always paid the fee. I never set up any automatic payments with them for student loans, bills, etc. I closed the account a few months later because there interest fees and high over draft fees. I got a phone call today, five years later, that I still owed US Bank XXXX. XXXX. I closed the account five years ago and the balance was current. How could I close an account that was negative? They sent the bill over to a collection agency to settle the account. Why I am being harassing from a collection agency five years later about a bank account I have for a only a few short months? Why am I paying fees on an account I did n't even use? Why this is now going to hurt my credit? I am extremely frustrated and fed up with US Bank bullying me around. I find the XXXX to be insulting and overbearing. I am student loan victim and am currently making minimum wage and tips as a server. XXXX is nearly a whole weeks work at times. I also give US Bank XXXX every month for my student. How can they get away with this?
On XXXX XXXX, 2017 I submitted a signed annual Public Service Forgiveness Employment CertificationForm and called FedLoan to confirm my form was received. I was told it takes 10 business days to process. Approximately 10 business days later I called to get a status on my form. I was told it takes 15 business days and to call back and check the status again. I then asked to be transferred to the department that handles the processing of this form. The person I spoke to in the department said she looked at my form and that everything looked good and that it could take a few more business days to process. On XXXX XXXX, 2017 I called again to check the status. I was told by the person that answered the phone that it takes up to 60 business days. I asked to be transferred to a supervisor to get clarification on why the timeline processing keeps getting changed. The supervisor I spoke to looked at my formand said that on Section 3 number 3, I did not input the city and state of my employer. He asked that I resubmit this form with the city and state in that section even though it already contained street address and zip code. I then asked him if the city and state could be derived from the zip code that was in the form of that section. The supervisor told me the zip code did not matter. After getting off the phone I tried to utilize their automated system to complete this section but it did not allow me to enter city and state. It only allowed me to enter street address and zip code. I called again the same night and spoke with XXXX ( employee XXXX ) and asked if I could transfer to someone that works with processing the form I submitted. She refused to transfer me and said no one from that department takes phone calls. I then asked to be transferred to a supervisor. She also refused and said that everyone went home and I would have to try again the next day. I tried explaining my situation with entering the city and state and she said that I had to do what the supervisor said to do on the previous call. I continued to explain that their automated form did not allow me to enter city and state. She refused to try and help me. Her only advice was to print and write city and state on the form and resubmit. I took her advice and wrote in the city and state in that section and resubmitted the form. I feel that the form is still going to be found unsatisfactory even though I have done everything they have asked me to do. They are finding reasons not to process my paperwork in a timely manner.
I have discovered the enclosed Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. Therefore, making the robo-signedAssignment of Mortgage on my loan fraudulent. Mortgage Line Financial Corp., aNew York Corporation did [ n ] ot exist on XXXX XXXX, 2011 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc on that date. 
Mortgage Line Financial Corporation was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XXXX XXXX, 2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ).
I had an ongoing issue with a travel group called XXXX which is now in mediation with the State XXXX. The policy of XXXX is that the complainant must go through the credit card company first which I did. In this instance that company is Discover Card XXXX. Discover Card XXXX had initially credited my account for half of what I paid XXXX and then took it back the day before XXXX stating the charge was valid, even though I did not enjoy the full value of the purchase. This prompted another complaint against Discover Card XXXX through the CFPB. The first being that they failed to issue any refund at all ... Now. Discover Card XXXX has reduced my credit line from {$9000.00} to {$1400.00} without cause. They cite : Payment relative to balance on your account ( s ) No usable real estate accounts Average time since revolving accounts opened is too recent. But it is important to note that I have several credit cards because I like having cards at a XXXX balance and I just paid off debt significantly as of XXXX 2016 -- so I do n't know what they are talking about when it comes to my balances. I also paid Discover Card XXXX at least twice to the tune of about {$6000.00} or {$7000.00} so I am a very good debtor. I think Discover Card XXXX maliciously lowered my credit rating as a result of my complaints to the State XXXX and the CFPB. How did I go from having a {$9000.00} credit line when my balance was {$7000.00} or {$8000.00} dollars to having a {$1400.00} credit line when my balance is less than {$1000.00} and I am paying down the debt monthly???? The card has literally sat in my desk drawer. This kind of malice is really indicative of what we as consumers saw XXXX 10 years ago with credit card companies intentionally putting debtors into harm 's way through no fault of their own.
I received a bill from KOHL 'S card for {$240.00}. I never apply for this card and when I received the card, I did n't open or activated it. The card account # is XXXX. I think my identity info has been stolen and used my info to open the KOHL 'S card.
I filed for bankruptcy many years ago. I keep getting letters in the mail telling me about debt collection methods, but to ignore if I filed for bankruptcy and the discharge was in bankruptcy. It was in my bankruptcy, why do I keep getting these letters?
I have sent XXXX letters to Experian Credit Reporting Agency now in regards to old debts on my account from 2004. The FTC says these debts should drop off your credit report after XXXX years. I notified Experian that these are still on my credit report, yet after XXXX months have not had one response in regards to them and they still show on my credit report.
I received a letter from Bayview Loan Servicing ( " Bayview '' ) dated XXXX XXXX, XXXX, claiming I had contacted them stating in part : " We have received your inquiry regarding the above referenced mortgage loan. Please be assured that your inquiry will be reviewed promptly as it is our goal to provide excellent customer service ... We will provide a complete response on or before the Proposed Resolution Date indicated above. If your inquiry requires additional time to complete then we will notify you by mail. '' See attached XXXX XXXX, XXXX letter from Bayview ( BLS Case NO : XXXX ) Although that XXXX XXXX, XXXX letter had a Proposed Resolution date of XXXX/XXXX/XXXX I have heard nothing further from Bayview. 

On XXXX XXXX, XXXX, I contacted Bayview via fax and XXXX Mail and notified them that I had not contacted them as stated in its XXXX XXXX, XXXX letter. See attached XXXX XXXX, XXXX Letter from XXXX XXXX to Bayview. 
In that XXXX XXXX, XXXX letter I also requested the following information from Bayview stating : " Kindly provide the following : i. ) Can you tell me if this property and loan is in foreclosure ; ii. ) If this loan is in foreclosure, kindly provide if and when Bayview initiated any such foreclosure action ; and iii. ) Pending your answer to the foregoing, please provide any relevant date ( s ) if Bayview has delayed any such foreclosure action or proceeding at any time for any reason. Please note this request is within the scope of error resolution : XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, and XXXX. Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX kindly provide your response within the period provided by the statute. '' I understand Bayview had 15 days to provide documentation illustrating that no error has occurred. XXXX XXXX Section XXXX XXXX XXXX ) ( XXXX ). It is beyond the 15 day period and Bayview has neither provided any explanation or documentation as to why it believed I contacted it as illustrated in its XXXX XXXX, XXXX letter, nor has it provided the straight forward information I have requested from it regarding any potential foreclosure proceeding. 

I received another letter from Bayview claiming a response date of XXXX XXXX, XXXX however this letter contained a different BLS Case No : XXXX indicating it was not related to the first letter Bayview sent on XXXX XXXX, XXXX.
Chase Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.
I WENT PERSONALLY IN TO THE US BANK IN XXXX OREGON. I SPOKE WITH THE BANK MANAGER 13 1/2 YEARS AGO AT THAT TIME WE SAT DOWN WENT THROUGH THE PAPER WORK AND IT WAS RESOLVED BY THE MANAGER AT THAT TIME. I HAVE NOT KEPT THE PAPER WORK ON MY END BECAUSE ITS BEEN OSO LONG I DIDNT FEEL I NEEDED TO HANG ONTO THE PAPERS FOR THIS LONG OF TIME. THE AMOUNT WAS AROUND $ XXXX-XXXX DOLLARS AND NOW THIS COLLECTION AGENCY WANTS OVER {$3000.00}. THE ACCOUNT WAS OPENED IN XX/XX/XXXX CLOSED IN XX/XX/XXXX ACCORDING TO THE COLLECTION AGENCY. I HAVE NEVER RECIEVED ANY TYPE OF NOTIFICATION OF THIS DEBT UNTIL XX/XX/XXXX AND HAVE BEEN THREATED TO BE SUED FOR THE MONEY. mY BANKRUPTCY LAWYERS WERENT AWARE OF THIS DEBT.
I live in Florida. Have a mortgage with Wells Fargo. Have constant trouble with them saying I am short in my escrow payments. I ask for a full accounting of that and they send me copies of statements that sometimes match and sometimes do n't match the ones they have sent me originally. I recently sent a written dispute to them about it. They replied saying that they researched the situation and it is not wrong. That the error has been " rolling over '' since 2011 and even though every year I am asked to pay extra escrow - it never catches up. Each year my statements show a positive balance and then all of a sudden a negative balance. My principle and interest is {$600.00} a month at now 4 % My house taxes are $ 100 month. My insurance escrow is $ XXXX month. Each year they send a letter stating that they need an extra $ XXXX {$250.00} due to a negative escrow balance of {$6000.00}. If I am paying the amount my insurance costs and my taxes cost XXXX how in the world am I short {$6000.00}. 
And if they require me to pay an extra {$200.00} each month every year XXXX how in the world am I short {$6000.00}. I have seen several things that Wells Fargo has been in trouble in the past for fraud for this.
To whom it may concern : This is to let you know that I requested JH Portfolio Debt Equities LLC on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : XXXX XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

JH Portfolio Debt Equities has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from JH Portfolio Debt Equities that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from JH Portfolio Debt Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.
I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at Experian and found a report from XXXX XXXX on a supposedly account i have with XXXX XXXX in North Carolina. I contacted XXXX XXXX and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify XXXX XXXX to have it corrected. I filed a dispute within Experian and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?
This issue is with Wells Fargo Bank. Unfortunately, I am a Wells Fargo customer. I got a promotion letter in the mail from Wells Fargo to apply for a Wells Fargo Discounted loan starting at 6.99 %. I go online to apply and the interest was at 8.97 % because I had excellent credit at XXXX credit score. I have no credit cards. I needed the loan for my wife 's XXXX that was n't covered by insurance. I get a call that the loan is approved and to come by the branch to sign the paperwork and obtain the funds. Nothing was mentioned to me about interest rate or payments. I go into the branch and low and behold I am blindsided by the banker with an interest rate of 13.99 %. I voice my displeasure and the banker makes a phone call. The manager says that is the best we can do. I had no choice but to sign the paperwork because it was too late to get the funds elsewhere in time for my wife 's XXXX. I did n't ' let this go and went up the chain. Someone in Iowa reached out about 7 weeks later and said sorry that is the best we can do. I believe that Wells Fargo committed Fraud here to obtain my business. They did the classic bait and switch option here. No wonder there new accounts are done by 41 %. This is truly unacceptable customer service by Wells Fargo. This is not the way to treat a Wells Fargo customer. I feel that took advantage of my situation because I need the loan funds to pay for my wife 's XXXX. Just plain not acceptable at all!!!!