WillisBack/dataset-financial-user-claim huggingface dataset:
NSLDS.GOV shows for school year XX/XX/XXXX-XX/XX/XXXX I was awarded 2 Pell Grants each amounting to {$4000.00} The 1st is from a college and campus I never attended : Grant dispersed amount : {$2700.00} XXXX COLLEGE - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX The 2nd I did attend : Grant dispersed amount : {$1300.00} XXXX COLLEGE -  XXXX XXXX XXXX XXXX XXXX NJ XXXX NSLDS.GOV also shows missing data ( lines A-M, see attached ) All of the loan interest rate or repayment information is missing. 

XXXX XXXX navient was the original loan servicer and is currently the servicer for the newly consolidated loans. 

XX/XX/XXXX I requested copies of original individual promissory notes from navient. They have been unable to locate the individual promissory note and requested information. Without the information on these individual promissory notes pertaining the loan interest rate and repayment agreement the loans can not be verified because this information was never reported to NSLDS.GOV When consolidating NAVIENT sent the loan payout to the wrong school and subsequently preventing me from attending XX/XX/XXXX fall semester term B XXXX XXXX XXXX was both the original loan servicer and Loan Service serviver for my consolidation. 

I have attach a document which contains information from the NSLDS.GOV along with further questions and comments regarding this information I would like to have answered.
Im a XXXX struggling student that is trying to fix and rebuild my credit report. XXXX XXXX has an old closed account from over 7 years ago that has been closed XXXX XXXX, 2008 that should be taken off my credit report like most of my credit cards that are over 7 years old. Can you please have the courtesy of resolving this problem by removing this off my credit report or I will be contacting my lawyer and filing a lawsuit.
Citi Bank has an automated call system that will harass you unmercifully seven days a week, and as many as six times a day. When I first contacted them to work out some kind of payment arrangement, all I got was a lot of wannabee intimidaters. That did n't fly very well with me. I would like someone to look into this and tell them to stop.
I noticed XXXX wrong addresses on a free credit report from Experian. My addresses are correct on reports from other credit-reporting companies, so this is an Experian error. I tried to remove the incorrect addresses online and was told I could not correct the report online -- I would have call Experian between XXXX. When I called Experian, I was told to go back to the web site and file a dispute on my credit report. I tried to use the dispute process online, but when I attempted to upload a document explaining the error on the report, as instructed on the Experian dispute site, the site would not allow me to upload any documents. The mail-in process requires me to send a copy of a government ID, a utility bill and a copy of my social security card -- a slow, time-consuming process that is not secure, and will be a hardship for me to complete. I would like Experian to allow me to make corrections online and/or over the phone, and to fix their web site so consumers can upload documents in the dispute process.
In XX/XX/XXXX I was heavily encouraged by Wells Fargo to open a safe deposit box. I opened the account on XX/XX/XXXX and never used the box. In XX/XX/XXXX we relocated to New Mexico and I closed my safe deposit box because I had never used it and it would do me no good in XXXX, Wyoming. I did continue banking with Wells Fargo utilizing a savings account, checking account, and retirement account -- all of which are still in use today. I never heard anything additional in regards to the safe deposit box, and didn't anticipate to since I had closed it in the branch prior to moving. On XX/XX/XXXX Wells Fargo removed {$40.00} from my savings account to pay for the safe deposit box they claim was never closed. Not only had I closed the account over 4.5 years prior I have never given Wells Fargo consent to withdraw any of my funds for any reason. On XX/XX/XXXX they deleted the transaction and credited back my {$40.00}, but they are not willing to close the safe deposit box I already closed without me jumping through hoops for them, and the representative I spoke with today informed that they could not assure me they would not take my funds again in the future if that account shows open.
On XXXX XXXX, 2017, I wrote this company a letter requesting " PORTFOLIO RECOVERY ASSOCIATES Ref # XXXX '' account to be validated by this company. Even now, I have not received any validation document from this company. This is a direct violation of FCRA and FDCPA. I would like this to be resolved and this is my last result before involving my legal counsel.
Because of the Equifax data breach I enrolled in their TrustedId monitoring product. I was supposed to get an email to complete my enrollment within 2 days. It took over a week to get the email and when I tried to complete my enrollment I got a message that I might have already completed my enrollment. I know I did not do this - it made me worried someone else created the password for my account. I tried to go to trustedid.com via the link on the page and the site will not even launch. I tried to call equifax so many times and the call never goes through and they tell you to go back to their site which either does not load or crashes. I am worried that my identity is now even more compromised than it originally was because of their data breach.
I went to a XXXX store in XXXX XXXX to ask about some offer they were having, the XXXX person convinced me to check my credit for the product I was interested in, on the promise from her that it would be a soft credit check that wouldn't generate an inquiry. XXXX minutes later I had an alert from Experian that I had an inquiry from XXXX, after being promised that that wouldn't happen.
I 'm a XXXX and tenants deposit money into my checking account with fifth third bank here in XXXX, Ohio on XX/XX/XXXX a tenant deposited {$590.00} dollars into my account, I checked online and the money was listed as being in my account. on Saturday XX/XX/XXXX when checking my account the money had disappeared there was know record of deposit etc ; I went to bank branch I use and inquired about this mistake and was told by banker that money was deposited at branch XXXX XXXX XXXX XXXX, ohio XXXX, by XX/XX/XXXX I had not heard anything nor had my money been returned to me. I personally went to this branch and talked to a XXXX XXXX who is the banker, branch manager was at lunch, she researched and admitted something went wrong with deposit and bank manager would contact me in a day to explain what was going on. so far this is XX/XX/XXXX I have not heard from anyone and when I call to inquire no one seems to have the answer to what happened to my deposit.
I had received several calls about some new program under the Obama XXXX saying if I worked for a XXXX, which I do, that I could qualify for loan forgiveness. After several calls I finally inquired with the company, XXXX, about it, and the people told me that they could consolidate my loan and place me on an income driven repayment plan. I was in a hurry to give off the phone, so they rushed me through the process saying I needed to check my credit to see if I could finance their fee, which would cover them sending me the paperwork and them filing it with the student loan company. I agreed to it, not knowing it was a scam, signed the paperwork, paid the down payment, and sent in the required documents, only to have them not complete the process. They have charged my account XXXX for several months. Recently I received an email from the student loan companies saying I had been scammed. I called XXXX and Equitable Acceptance Corporation, the company taking money out of my bank for loan payments, only to have them try to explain it away. It is on my credit report, has hurt my credit and chances to get a house. I am upset that it is a scam and they took advantage of my being in a hurry. I have also contacted the student loan company, and they told me all of this could be done myself to achieve the same results. The consolidation that the scam company tried to do was not eligible or something. I was told that I did n't have to use them, to stop payment at the bank and to contact consumer financial protection to help me fix the issue. I have gotten behind on the student loan situation, but they gave me a deferment now because of this so I can fix it. If I get my money back from Equitable acceptance great, if not just help me get them off of my credit report so I can purchase a house soon. This has been an extremely frustrating process. I have other issues more important to deal with yet have to worry about a scam I should not have to worry about because they take advantage of people. I should have been more careful but they caught me at a vulnerable moment. They made it sound so legitimate and helpful, escpecially in my time of need. Thanks for your help.
I met all requirements of depositing XXXX into a checking account and 1 ) leaving it for 2 months and 2 ) keeping the checking account for 90 days to receive promotional reward of {$600.00}.

I have not received the reward and its way passed the due date. I have reported this to citi and they keep saying they will work on it and its now been over the timeline of them promising a resolution.

Checking the internet it seems citi is known to not pay their promotion rewards. Please see attachment for objective evidence. Please assist
Wells Fargo debacle where they carelessly mistreated accounts. I feel very unsafe after what they did and it has caused extreme emotional stress and worry. I expect a decent compensation from what they have put me through. I do n't if money was taken from my account but to know false accounts were put in my name is very disturbing. I am requesting {$10000.00} or more for the emotional stress and worry I have gone through. Thank you and please take this matter seriously. This should Never happen.
I wrote to all XXXX reporting agencies. It a XXXX judgement that is paid in full to be taken off my credit reports
I signed up for a Macy 's credit card in XXXX and at that time Macy 's enrolled me in a credit protection program without my explicit consent. I received a reminder of my enrollment in XXXX of XXXX, and this was the first time that I have been given information regarding the terms of the program and notifying me that I was enrolled. The program charges a monthly fee based on your balance which over the lifetime of my card has cost me {$210.00}. I never enrolled in this program and I was never informed that I was paying for it, it was included in my bill as a fee and not explained. I would like to be reimbursed for these charges as I did not authorize them nor do I need or want them.
On XX/XX/2018 I email a dispute to XXXX  XXXX  It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX   still showing as XXXX  XXXX/XXXX XXXX  as owning account and XXXX is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB
I added my sister onto my checking account because she was still in school, and I needed to send her money the easiest way. She ended up meeting some guy who told her about some way to make money on the side, all he needed was her debit card. He ended up depositing bad checks in the account at ATMs nowhere near where I lived, and the checks bounced after the withdrawals were made at ATMs nowhere near me, and the bank denied my dispute - placing me on XXXX. Now I can not bank anywhere for something I did not even do.
I made a purchase in the U.S. from a XXXX company, and paid in U.S. dollars, to their XXXX. Even though there was no foreign currency involved, Bank of America charged me a foreign transaction fee just because the merchant had a XXXX address. Bank of America has no idea whether the amount was eventually XXXX to XXXX or whether it remains in their XXXX in U.S. dollars, This is a clearly unfair policy and a possible violation of the Sherman Act by discouraging customers from doing business with certain companies.
Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

1XXXX XXXX  2.XXXX XXXX 3.XXXX XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 9.XXXX 10XXXX XXXX  11.XXXX XXXX XXXX   12.XXXX XXXX 13.XXXX XXXX
My wife, son, and I joined a gym 3 years ago. It was a monthly payment charged to our credit card that we left on file with them. They gym sold to another company. We were never given notice and we never advised of any changes to our contract. We called and were given permission for our military son on XXXX to use our tag and work out. By this time, the 3 members were not using the gym anymore. When our military son returned home 6 months later for XXXX leave, he tried to use the gym. Again, the 3 members were still not using the gym. He was kicked out and told he could not work out there. We decided to quit the gym. To do that, we were informed we had to continue to pay for two months after quitting. Also, the person we talked to did n't cancel our contract that evening. They were just going to keep charging our card monthly. We disputed that and contacted our credit card company to advise them we were challenging this. The credit card company froze our account so it could not be charged until the dispute was resolved. After 30 days, this company still had not responded to our credit card 's inquiry. They will not even answer the complaint. And, a week after disputing the charges with our credit card company, someone with all of our information, tried to add their name to our account. Because of that, the credit card was cancelled and a new one issued. The gym does not have the new one. We have now been threatened if we do not pay for these two months, it will be turned over to a collection agency and our credit will be dinged. We have tried twice to talk to them and they just do not care. We have also received multiple calls from the " financial company '' to 4 different phones even though we requested they only call one number. It is also a recorded message, never a live person. We have now sent a cashier check through registered mail in the amount this company has requested and we have asked that they never contact us again via phone or email. Even after receiving that check and signing for it, we were still called 5 times on the day of the receipt.
My small business debit card with Bank of America. On XXXX XXXX, XXXX I was shopping and made a purchase of {$180.00}. At the cash register after waiting in a long line, instead of providing my Bank of America Credit Card, I accidentally provided the debit card. They 're very similar, credit card is blue and debit card is light grey, but both contain the bank name in the same place, and the MasterCard logo. The purchase was approved but I did not have enough money in the account. On XXXX XXXX, this purchase and XXXX other much smaller business-related debits were processed. The bank paid all of them ( the XXXX smaller would have been covered had I not made the {$180.00} purchase ) but also charged my account {$35.00} XXXX times. On the XXXX of XXXX XXXX, they charged me another {$35.00} for " extended overdraft ''. On the XXXX of XXXX, I checked my account, found the problem, and deposited more than enough to cover these fines and debits. I was shocked that : # 1 they authorized it, and # 2 they did n't notify me. When I called the nearest branch, they said I must come in for discussion and set a time of XXXX. I immediately received an email confirming the appointment which amazed me they did n't do this for the overdrafts. The two employees I spoke to, XXXX and XXXX checked my account, and said I was only entitled to {$35.00}, the credit for one charge. When I asked why, they said " it depends who you are and what your relationship is with us. '' They further stated that it 's not the policy to check the money in the account before authorizing purchases under a certain limit. ( see website FAQ below ) I said I had thought it would be rejected if the money was n't in the account, XXXX said she warns people but does n't know what other employees say. To me this means it 's not an explicit policy to duly advise a customer. Also, I 've been with the bank over 20 years, and have borrowed and paid back {$50000.00} in business credit, although not since XXXX. 
The Website, under Debit Card FAQ 's is copied today : When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart. '' To me, this situation is the result of false and misleading information provided to me.
XXXX XXXX sent my debt to a collection agency. The agency was called " XXXX XXXX XXXX. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from XXXX XXXX XXXX XXXX XXXX. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to Diversified Adjustment XXXX, who ( Diversified Adjustment ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from Diversified Adjustment dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the Diversified Adjustment person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to XXXX, XXXX and I met their offer and timely replied. XXXX gave it back or sold it to Diversified Adjustment. I even got an email today showing a " confirmation number '' of paid in full from XXXX. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.
Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XXXX XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge. If you want a copy of the XXXX, ask your buddy XXXX XXXX XXXX to provide it as they claim to have written it up and I never received it. I also do n't care what these accounts are reported as, they are hurting my credit and are fradulent. If XXXX XXXX XXXX and XXXX XXXX XXXX are not active collection accounts then why are they actively trying to get me to pay these accounts back, that seems like a collection account to me. 6 days until my lawyer files a lawsuit, I am not playing. I also want to point out for the record that your last response did not state any address as being reported as mine, are you trying to hide something?
Sent money to XXXX via Xoom by XXXX, before the receiver even knew about the transaction I was notified that the money was picked up by receiver. I contacted xoom about it, and they told me they were going to contact their partner. After a few hours the found out that the transfer was picked up by someone other than the receiver. After they found this out, they could not give me my money back, they are saying that they need to run an investigation. They already know the money was stolen
On XXXX XXXX, XXXX I was notified that my personal information was potentially accessed illegally, without my consent, via a massive data breach at Equifax. This data breach occurred late early XXXX of XXXX and Equifax failed to notify me in a timely manner.
Transunion has listed negative information on my credit report that is not true. I do not owe XXXX XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX any money.