WillisBack/dataset-financial-user-claim huggingface dataset:
I run a small social service company and for about two years I have been told I qualified for XXXX towards my student loans. This year I was told I did n't qualify because we are not Non-profit. We service the states XXXX department, and local tribes and families that have children with XXXX and severe XXXX XXXX. I do n't understand why all of a sudden we do n't qualify. The description says non-profit or social service. 
This is also bothersome because my workers that have student loans start to think about leaving because their loans do n't qualify as well and leaves a small agency like mines struggling for qualified workers. I have contacted XXXX numerous times and they are of no help.
I enrolled at XXXX XXXX XXXX in XX/XX/XXXX, and didn't qualify for financial aid and had to apply for a private loan. I wasn't accepted into the school anymore and had to start making payments on the loan. I initially started making payments in XX/XX/XXXX while XXXX in XXXX and stopped due to financial problems. And then the harassments started. I spoke to financial counselor about the situation of XXXX XXXX calling me throughout the day, leaving voicemails, texting me, and threatening to sue me.
My name is XXXX XXXX and again this is a complaint against Bayview Mortgage Company. Bayview called my home owners insurance company which is ( XXXX ) and just decided they wanted to pay the balance of my insurance. I got a email from XXXX XXXX telling me that my home owners insurance had been paid in full and I know I did n't do it they take the money out of my check monthly and it is n't due until XXXX XXXX. XXXX XXXX told me they did n't know why Bayview had called them they did n't call Bayview nor did they send them any information stated that I was late or behind they thought it was strange but went on and gave Bayview my total balance which is XXXX. XXXX XXXX takes my home owners insurance out of my check monthly. XXXX XXXX told me that Bayview paid the balance on XX/XX/XXXX and that they had already taking my payment out for XX/XX/XXXX. Now Bayview already went up on my mortgage from {$470.00} to {$680.00} a month because they paid my property taxes which I was late and I understand that but not raising my mtg up that much. I am still in the process of fighting with them about this cause my check is only {$570.00} bi-weekly how do they think I can pay {$680.00}. I had explain to you prier that Bayview had put me in a escrow and that I had to make up the difference which was {$8100.00}. I got a letter from Bayview denying me to lower my mtg payment they said that I was bringing in {$3100.00} a month I had sent them the months of my check stub they requested and both of them together do n't total this amount. I called them to see where they came up with this figure and no one seems to know or even give me an answer they just keep switching me to different departments. I called Bayview and asked them why they called my insurance company and did this the man laughed and said oh we just thought you wanted this. I asked him why and I cant even pay what my mtg is now he did n't even have a answer for me again no one seems to know anything about why things are happening to me and my house. Please can you contact Bayview and request that they again stop calling my insurance company and to figure out why they do n't want me to stay in my home. I have never been late with a payment not even since they raised my mtg payment but I could only send them {$470.00} instead of {$680.00} for XX/XX/XXXX. Now since Bayview had paid my insurance in full now my next payment is going to be even higher why I just wan na know why are they doing this. My XXXX XXXX is high this is my only home I do n't want to get evicted I am doing the right thing my house is up to code I have never been late in any payments with anyone can your company please help me.
In or around XXXX I was sold classes to XXXX XXXX. I even moved to be close to school. I attended school for XXXX years. I had to leave but paid off my loan. Now the school is closing and I am trying to get what I paid for which is proof I attended and get credit for those classes I did take via transcripts. I was told by company that I am directed to by XXXX they are unable to locate my transcripts.
Pioneer Credit Recovery is fraudulently claiming to be collecting on a debt for the XXXX. They call me weekly and demand payment. The XXXX terminated their relationship with Pioneer Credit Recovery in XXXX of 2015. Payment for my XXXX loans is being made through IRS tax garnishment. It is my belief that Pioneer Credit Recovery is committing wire fraud since they have no professional relationship with the XXXX and therefore can not collect debts on their behalf. I want other debtors to be wary of making any payments to this company.
I have been trying to pay my walmart store card and the refuse to let me pay it. 
I have tried to contact them via email, website, chat, and telephone. Both Walmart and XXXX XXXX. 
I received the card in novemeber, used it to purchase gifts in XXXX while in the US. 
I have moved to XXXX and on coming here planed to pay the amount due from here, just like with any other company. 
Their website however would only allow me to pay it by checking account, which must be in the usa. I no longer have an account there since I moved here. I then tried to pay walmart via their customer service, but they would not help me and said I needed to contact synchrony, they refused as well to help me. Then I got transfered to 2 more people who told me the same, you are not permitted to pay with a bank account outside of the us or even with a Visa, Mastercard or debit card. 
XXXX, the last person they had me talking to tonight XXXX XXXX, XXXX at XXXX ( XXXX time ) says that she has no other options, they will not take credit card payments for it unless I go to walmart ( which is XXXX miles away ). I had a store card in the past and you could always make online credit card payments. 
I thought I should report this to someone, because I am sure I am not the only person they are doing this to. But it would seem they are trying to make it so people can not pay and then hit you with late fees. Please direct me on how to proceed with this, because I have no idea what else to do, I want to pay my bill, but they just wont let me do it.
received notice from collection agency with no information of original account or product. Called them, put on hold then sent to message center but their mail box was full and was disconnected. Amount is only {$5.00} so seems like fraud -- too small amount to worry about so pay it may be desired response.?
ATG credit has been reporting for the past 4 months the incorrect amount of {$700.00} to XXXX credit bureau as an amount that I owe. This is not an amount that I owe to ATG Credit. I have reached out to ATG via email, chat and telephone for the past 90 days with no resolution. I have also reached out to XXXX   via telephone and was told there was nothing that I could do except continue to dispute it. The dispute and faxed documentation to XXXX is doing nothing since XXXX is not correcting the issue on their end.
This is a debt from years ago that had already fallen off my credit report. There was no communication whatsoever from this company. This company has randomly popped on my credit report twice. First XXXX. The first time it popped up on XXXX  I disputed it and it was removed. The second time it popped up on my XXXX report.
I was late for the month of XXXX but paid on XXXX/XXXX/2017 for the month of XXXX. The XXXX payment will be a little late due to financial set back.
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " QLSC '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. QLSC was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Quality Loan Service Corp, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
I have received a notice from First National Collection Bureau which was delivered to the wrong address which i have received very late and immediately contacted the bureau by phone and told that i am not aware of any case in any court and did not receive any notice and warrant in debt and details of debt prior to or after filing of the case or copy of the judgment which they claimed it has been placed with them. I requested them to furnish me the copy of the judgment and who filed the case in the court and the party from whom they purchased the right to collect the debt and after first agreeing to furnish the same email address XXXX did not send it and when i contacted them again they advised me to contact XXXX XXXX XXXX XXXX and find their contact information from their website instead of transferring the same to me. I denied their claim and said that i will take legal action. 
please take suitable action against XXXX XXXX  as i suspect something suspicious is going on.
While reviewing my XXXX & XXXX credit report, I discovered that CAPITALONE has fraudulently and/or inadvertently initiated and reported a collection action to all the credit reporting agencies. I personally contacted CAPITALONE " DISPUTED THE DEBT '' and advised them that this debt was as a direct result of " LOST/STOLEN ID THEFT '', therefore, that I am not responsible for the DEBT. To this extent, I requested CAPITALONE to validate this DEBT and/or perfect security interest by providing me with a " CERTIFIED BILATERAL CONTRACT '' and alleged unpaid invoices under FDCA. To this date, CAPITALONE has failed to " VALIDATE THE DEBT and/or Perfect any Security Interest '' as required under the law. 
Furthermore, I advised CAPITALONE that fail to '' VALIDATE and /or PERFECT SECURITY INTEREST OF THE DEBT '' as required under the law within 30 days, that they must and are required to cease and desist attempt to collect on an unlawful debt. 
However, CAPITALONE disregarded my request and continued attempt to collect on an unlawful debt without just cause and/or for any legitimate reason in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS. 
CAPITALONE intentionally and purposefully with malice continued total disregard to the law constitutes gross negligence, causing and depriving me access to adequate housing, the ability to secure a meaningful employment and/or obtain new credits.
On X/XX/16 went to XXXX XXXX for missing engine and motor trouble. They .Installed broken spark plug and misgapped the other plugs according to another garage, Failing service with XXXX I advised XXXX NOT to pay the charge of {$440.00}. XXXX has neglected to respond to my request for refund and chargeback, Received several phone calls from XXXX customer service employees XXXX and XXXX XXXX. They were to investigate. Somehow XXXX discovered that I had additional expense of $ XXXX.and sent me a check for same. I told XXXX about this as it proves guilt and liability.
The original creditor reported that I was married, which sky rocketed my insurance premium. They never sent any information so I can defend the dispute. As a result they placed a XXXX account in collections on my credit.
AMSHER COLLECTION SERVICES ARE IN VIOLATION OF THE FDCPA RULES AND REGULATIONS BECAUSE THEY CONTINUE TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT I HAVE KNOW KNOWLEDGE OF, AND ALSO I HAVE NO TYPE OF AGREEMENT WITH THEM WHATSOEVER. THEY ALSO ARE CALLING AND HARASSING ME EVERYDAY ON A FRADULENT ACCOUNT THAT RESULTED FROM IDENTITY THEFT IN THE PAST.
ALLIED COLLECTION SERVIC Account number XXXX Recent balance {$1200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX- HAS REPORTED A COLLECTION ON MY CREDIT REPORT THAT IS NOT MINE IN FIRST PLACE IT WAS FOR A RELATIVE WITH A SIMILAR NAME AND IT WAS PAID IN FULL WITH THE MEDICAL FACILITY IN FIRST PLANCE. I TRIED TO CONTACT ALLIED VIA PHONE AND MAIL WITH NO LUCK. MY CALLS DID NOT GO THROUGH AND ALL LETTERS CAME BACK UNDELIVERABLE. I CONTACTED XXXX XXXX XXXX- who stated there are NO accounts under my name and they had no idea who this collection company is
On XX/XX/XXXX I purchased an XXXX XXXX ticket through XXXX listing. As part of the XXXX purchase, a Citibank credit card application was offered with a promise of a {$250.00} credit to be realized on the new card. In order to receive the fare I wanted, I had to make the purchase immediately, which I did on another credit card - as I, clearly, did not hav the Citibank card in hand at the time. 
My approval with card number arrived today - XX/XX/XXXX. 

There is no credit of any kind indicated. When I called XXXX, the representative said, the offer was for FUTURE XXXX XXXX purchases that I would make in the next 12 months. I have no intention of buying another XXXX ticket - or any other airline ticket this year. I asked to speak to the representative 's supervisor and received the same answer. They had no resolution process to refer me to. 

I believe this is misleading and false advertising. I never would have applied for this card had it not been for the carrot dangled in front of my face for the flight I was ticketing. 

Now, I stand to have a ding on my credit rating for no purpose at all. And, when I cancel the card - there goes another ding. 

Please advise as to my options here. 

Thank you.
I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I obtained a copies of my credit report from the 2 of the major Credit Reporting Agencies ( XXXX and Trans Union ). There were 2 U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the Bankruptcy Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the 2nd attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Trans Union to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
I contacted Wells Fargo, who oversees Dillard Credit Cards, regarding lowering my 23.49 % interest rate. XXXX, the rep I spoke with, informed me I could apply for " another '' Dillards credit card with a lower interest rate ; however I would not be able to transfer my existing balance to the new card. I feel this rate is excessive. I have a good credit score, been a loyal customer for 20+ years and feel I am being taken advantage of.
Experian is reporting erroneous information on my credit report. The collect account is from XXXX XXXX. The credit report is saying that the account opened on XX/XX/2015. The original debt is from XXXX University. I have the collection letter from XXXX University and the account did not go into collections on the date that XXXX XXXX is reporting. The amount of the debt is not the same as XXXX XXXX is reporting. I have had this account removed from the other two credit bureaus but experian is refusing to remove this erroneous information.
I contacted XXXX XXXX XXXX to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XX/XX/XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make 71 payments of {$49.00}. 
Resurgent Mortgage sold their debt to XXXX XXXX XXXX in XX/XX/XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted XXXX XX/XX/XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.
I was several months behind on my mortgage. I applied for a loss mitigation only to be denied. I received my federal income tax return on XX/XX/XXXX. First thing I did was call loancare llc to pay my past due to bring my account current. I gave the representative my correct Bank checking account number and routing number to Make a one time payment to bring it current. Loan care then proceeded to take this payment out of another checking account I had on file with them not the one I gave them access to which in return sent the account they charged into the negative. I have called 6 times to try to resolve the issue in which I received the same answer each time that they would have to review the call and will call me right back and I have yet to hear from anyone.
I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!
I was offered a no interest account for the purchase of a new heating system by Wells Fargo home projects 2 years ago. I had a lump sum payment due last month that is listed on page XXXX of the statement. Instead of including the payment due in the payment information on the front of the statement they added a small box with the words Special Terms Expiration which did not include any amounts due and of course I did not see. When they calculated the minimum payment they conveniently assumed that I would not pay the lump sum, which resulted in the minimum payment on the front of the statement never changing, again to ensure that the statement would look identical to all of the previous statements. By doing this they managed to sneak the statement past me so they could charge me {$5900.00} in interest on the initial purchase price. When I complained about this practice they offered me a 25 % refund of the interest in the amount of {$1400.00} if I paid of the entire amount in the next 3 days of {$9900.00}.
XXXX XXXX XXXX is using MEDICAL DATA SYSTEMS to report a negative account for the amount of {$360.00} dated as opened XX/XX/2018. I have been unsuccessful in communicating with both agencencies XXXX  and XXXX that this debt does not belong to me, i did not open or sign this account, it has not been properly verified as accurate as i was not ever at XXXX XXXX XXXX and I have never been serviced or obtained a debt from XXXX XXXX XXXX therefore MEDICAL DATA SYSTEMS needs to cease collection of this account.