WillisBack/dataset-financial-user-claim huggingface dataset:
I had applied to XXXX XXXX University as a XXXX. I was told that the unaccredited university was achieving accreditation within the next 3 months and guaranteed accreditation credits upon graduation. I contacted Wells Fargo for a private student loan in XXXX to obtain a XXXX XXXX XXXX. After receiving a verification of enrollment, I had personally sent emails and called XXXX XXXX University 3 days after acceptance stating that I did not wish to continue my education with this university and that any accrued expenses would be debited from my repayment at my expense. I was told that the money had been disposed by the lender and that I could not withdraw at that time and would have to contact the lender to refund tuition. I immediately contacted Wells Fargo student loan department and was told that the money was already disposed and I would have to contact the university to recover the monetary amount that was sent to XXXX XXXX University. I have been in this vicious cycle until today of an non- recovery of money for an education that I did not receive or participate in. The interest accrued on the account balance is still greater than the money borrowed for an education that I did not attend or graduate from. At no time was there any enrollment on my part or attendance for this XXXX XXXX XXXX. XXXX XXXX University was investigated by the FBI in which it had changed a school name to XXXX University. At no point was I able to recover any money or have any loans forgiven for not attending this university. 
I have achieved a XXXX and XXXX XXXX XXXX for an accredited university which I have made 100 % on time loan payments. My dispute is with a university that I had not attended. The student loans should have been recovered upon my withdraw of classes which I did not attend once and my admission of withdraw was giving within the statue of limitations. Neither Wells Fargo nor XXXX XXXX University ( at that time, closing in XXXX ) XXXX University ( closing in XXXX ) would accommodate my request to withdraw and have them money reimbursed to the lender.
The Bank of America signed a settlement agreement with the DOJ in XXXX of 2014 regarding Countrywide mortgages. According to the Settlement the Bank of America was to suppose to modify all the Countrywide loans shown on XXXX XXXX of the Settlement. Currently Bank of America is keeping it a secret which mortgages are being modified. The only mortgages being modified are the ones Bank of America still owns. As a result Bank of America is violating HUD and CFPB 's regulations. See the attached letter.
Macy 's is charging my credit card each month with a " {$2.00} Minimum Monthly Finance Charge '' even when there is no balance on the account. I am being charged each month when there is a XXXX balance.
My personal information was used by someone in my house to obtain a XXXX system. My mother became ill and ended up passing away during this time the bill was turned over to collections to a third party collection company in XXXX. The bill was paid in full just as was promised with my income tax in XXXX. I am a single mother and struggling as it is. I am trying to obtain a home loan and they refuse to remove this from my credit report. They only reported that it was paid in full.
A consumer/victim statement was made on my identity and it was made in error I would like to have it taken off my credit report because I can't get a loan access my accounts or fix any account ts until its is removed an its thru trans Union I was told that they needed to ask me some questions but wasn't able to access those questions I called them for 4 hours tried  submitting documents online to no avail the information is XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX the last digits of my social is XXXX The reference number is - XXXX And its addressed to ATTN : CONSUMER DEPARTMENT
I received notification from XXXX XXXX and XXXX XXXX in regards to the recent data breach. I was informed by XXXX XXXX that my personal information was compromised. The following account and credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, {$590.00}, fraudulent credit inquiry : XXXX XXXX, XX/XX/2018.
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX and was presented a Fact Report saying that the car was being sold because it had only one rear end accident, however after having to purchase 2 tires in 4 months and thinking having a front end alignment. Was told by the repairman the car had a bent frame the results of a front end collision, needed to have repaired. However could not having a {$460.00} monthly note. Asked for a note extension was denied by Bridgecrest Financial wanted to work problem out but requested extension was denied. Car was purchased from XXXX. please
I was under the impression that during a forbearance period that my lender navient would not report my student loan to collections reporting agency causing my student loan to affect my credit score
XXXX XXXX XXXX failed at my loan modification and my loan refinancing. Credit report went from XXXX to XXXX. Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a XXXX credit score to refinance. It was XXXX when I first applied for a loan refinancing. After 130 days it failed.
Requested - by CFPB complaint XXXX - that promised theft protection be provided and notice of protection be provided to me. 

No information on protection has been provided to me.
My name is XXXX XXXX, I have been unemployed due to being XXXX for over XXXX months and I am not receiving any XXXX income or any income at all for that matter. 
My home at XXXX XXXX XXXX XXXX XXXX, TX XXXX has XXXX mortgages attached to it. The XXXX lien is with BOA and the XXXX is with XXXX XXXX XXXX. My payoff with Bank Of America is {$140000.00}. I have been working with Bank Of America on applying for a Short Sale of my home Bank of America has completed an appraisal on the home which came to {$150000.00}. We have a qualified buyer who has been waiting for over 3 months on the review at a purchase price of {$150000.00}. XXXX XXXX XXXX has approved the short sale payoff of {$2500.00}. I also owe the Home Owners Association around {$1300.00}. With the payoff to BOA of $ XXXX, XXXX payoff of {$2500.00}, HOA, Commissions and closing costs, I am still {$11000.00} short when it comes to the closing table. Bank Of America is saying because the appraised value is more than the payoff, the file does not meet investor guidelines. I feel very upset about this considering the fact that we have been trying so hard to work something out with everyone. BOA even accepted the {$150000.00} offer including paying the closing costs to pay the XXXX lien, HOA, Realtor Commissions on XX/XX/XXXX. Now they are saying that it does not meet investor guidelines. When they accepted the offer, the buyers completed their inspections which was an out of pocket expense they now want reimbursed. In the offer worksheet that BOA accepted, they even agreed to paying {$12000.00} towards the XXXX lien which is more than we were asking for ( {$2500.00} ). This does n't make since why they would accept the offer then say " it does not meet investor guidelines ''. They think because we have an offer at $ XXXX that I can pay the payoff of $ XXXX and bring an additional $ XXXX to closing to pay off all the other expenses, with no regard to my financial hardship or the fact that the home sat active for over XXXX months before we got the offer of $ XXXX. If BOA forecloses on the home, they will spend more money going through the foreclosure, paying attorney fees, losing lending power, paying realtor commissions, paying property preservation services, closing costs etc. I am extremely upset and suffering an enormous amount of stress that it is physically killing me. My family is helping with an attorney that wants to take the case, but I really want to work this out as politely and peaceful as possible. I have attached the documents for your review. Please help me!!
Capitaol One bank USA shows a 30 day late in XXXX 2014. I show two payments made in XXXX 2014. One on XXXX XXXX, and the other on XXXX 2014. Please advise. Thank you in advance for your cooperation
I Had money save up on money orders i deposit into my bank account a few days later my account is being close Bank of american never gave me a reason for closing my account
Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know
I am a XXXX recipient and my monthly payment goes on to a US Direct Express card. I have been fighting XXXX for 5 years now I depend on this small payment to help with rent and all other household necessities including medications as needed.Last month on XXXX/XXXX/XX/XX/2015 I went to the bank as usual and withdrew all but {$300.00} from my card. Any other time I would have taken all but {$50.00} or so but it was my birthday month and my mom and aunt send a few dollars so I did n't feel I would ned it all at XXXX.so I left it on the card. On XXXX/XXXX/XX/XX/2015 I called to check the balance and it was a big fat zero. I immediately called direct express to report an unauthorized use of my card and could not figure out how this could happen since the original card was still in my wallet. I asked the customer service representative whathad happened and she said that XXXX transactions had been performed with my card number in XXXX, CA at a XXXX. 
XXXX is a 4 hour drive from where I live in the XXXX XXXX XXXX XXXX. She immediately canceled the card and sent out the paper work to file the complaint. I asked how long will this process take and can it be expedited because I am a XXXX patient and now I have nothing to the end of the month our car registration is due and we ca n't pay it. She said it will take 45 to 90 days to me this is just not acceptable. It took ten days for the paper work to get here sent on XXXX I returned it on XXXX theyreceived it on XXXX. On XXXX I called and asked if any thing had been done yet she said no. on the cover letter it states that they will put a provisional credit on your account after ten days I think I still had to wait a few more days. Any way I called back XXXX and got the same customer service representative how strange is that I explained to her how important this was as is everyone else 's and can you please connect me to a manager. 
She said they do n't have phones but she would send a message and have XXXX call me. I waited for the rest of that day and all day XXXX but no one ever called. I called again on XXXX and talked to another customer service representative and explained the whole thing over again she said the dispute department still has not made a decision I asked to speak to the dispute department she told me they do n't have phone number and are located in a different building. I ca n't believe this no has called back you ca n't talk to any XXXX to get an answerror and our federal goverment is responsible for hiring this company the card has the comerica bank logo on it so I called them their answer was we just make the plastic. Is this place a real bank I do n't know. Ca n't get answers the majority of people that use this card are like me social security or social security XXXX recipients. If you go on line you can find hundreds of complaints about them if I could lead the charge to sue them I would. It is time for our goverment to start taking care of the elderly and XXXX. I do have the customer service representatives names if you need them this is just the first step I am taking to do something
This loan was taken out in XXXX for roughly 10093 dollars, which is currently at 28000 dollars roughly. At no time did the school tell me this was a private loan when we was going through the process. I was told this was standard. First time ever taking out a loan. Did not know until XXXX that this was a private loan when the information started coming in the mail. Tried to fight this by calling Navient with no help. It was either pay or this will go on your credit, which it did. I was finally able to get someone to seen me documentation in XXXX about this promissory not. No where on the application says anything about this being a private loan. On a separate piece of paper, without my signature, saying this is a private loan. The only signature on the document is from a person at the school. I was completely mislead by XXXX XXXX and been trying to get this fix with Navient for 9 years now. Finally gotten some where by getting this website to fill this paperwork out.
My credit score is in the low to mid XXXX 's despite a perfect payment record.. My total debt is about 5 % of my net worth, most in XXXX securities. Why is n't my score perfect? Checking my credit reports they seem accurate - perfect payment history! No court judgements, no bankruptcy history, no unpaid debts, etc. But, it seems misleading. I pay my only credit card off in full every month, no carry over balance, but it shows a max charge vs the limit even though paid. I keep my limit low to minimize identity theft and credit theft limits. My second card is a debit card, also paid every month. I get no reply to my specific question why my score is so low so I ca n't provide the information to resolve it.
The week of XX/XX/XXXX I have been in contact with this collection agency who I believe is a law firm but they did not clearly identify themselves ; they are XXXX XXXX XXXX (? ) I believe and they are trying to collect on a debt they say I havent paid on since XX/XX/XXXX. The debt is a credit card called " XXXX '' which is provided by Continental Finance. 

When they first contacted me they left a voicemail saying there was a litigation pending against me and I needed to call them right away- I called them on XX/XX/XXXX I believe to find out what the debt was and then they explained it was for the XXXX  card and if I did not pay up right away that they would go ahead with the litigation and garnish my wages ; I have not received anything in the mail about any proposed litigation or court date, nor have I received anything in the mail to show what my current debt amount is. The first time I spoke with them they asked for {$100.00} right then and there and as I said this was not my pay week they didn't care as they then said I could pay {$500.00} on Friday of this week ; when I spoke to them today XX/XX/XXXX, I reinforced the fact that I did not have the money to pay but I could possibly give them {$500.00} by Friday if they can email me a statement of the details of my debt ; they said they were unable to do that and they were not going to do that because it's an old debt so it doesn't matter anyway. 

The collection agency representatives were very rude and harassing and accusatory ; they have called my job multiple times which I would like them to stop doing and they have not started with any garnishment which has been confirmed by my payroll department, but they continue to threaten that. 

Their contact # is XXXX
On XX/XX/18 I received a XXXX credit card in which I didnt apply for. Called bank and stated this was not my account and the said it had been used for a purchase of XXXX dollars. They are reporting the account as fraud and closing account.
Dispute Debt with XXXX XXXX XXXX per Contract Collection Agency has no legal right to collect the Debt. Reporting of the Debt is a Violation of FCRA and XXXX XXXX  is in Breach of Contract by violating the Arbitration Clause. The contract must specially state that you can send my account to a collection agency and it does not furthermore it was paid with Collection Agency which agreed to delete account. You have 30 Days to Delete Charged Off account to avoid further Legal Action.
I 've had this account since 2011. Not one time has a payment I 've made ever been returned back to capital one. The last two times in a row now that I 've made a payment, capital one has placed a hold on that payment, effectively freezing a large portion of my money. It has left my bank account, yet held by capital one and I am not allowed access to that payment. Each time I have to make a phone call and go through a lengthy process to release my payment. This second time, I was transferred to a supervisor and actually told my payment was being held because I pay my debts more than once per billing cycle. Seriously, I am being penalized because I actually pay off my balance more than once per month? Each time I have called, they have released my payment and then had the nerve to spin the conversation as if somehow they 're doing me a favor. If my payments can be released with a phone call, then why are they being frozen in the first place?
The name of the company is called XXXX XXXX, their phone number is XXXX. I've asked repeatedly to STOP calling my place of work and still they harass me. Their last call was today XX/XX/2018 @ XXXX. They've called every day and several of their calls I've missed, but I've already told them 3 times that I do not appreciate them calling my employer. They NEVER leave a message, which leads me to believe that they're SCAMMING rather than trying to communicate.
My account was at a XXXX balance. A charge of XXXX was approved even though it should have been declined and i got charged XXXX dollars in overdraft fess. I am ok with paying XXXX of the late fees but i feel paying XXXX dollars is excessive for a XXXX charge
XXXX KEEPS TRYING TO COLLECT APPLIED BANKS BUSINESS CARD AND IS REFUSING TO REMOVE ITS TRADELINE FROM MY EXPERIAN CREDIT REPORT IN VIOLATION OF FCRA, FDCPA AND TCPA.
In XXXX of this year we contacted equity prime mortgage About refinancing ourchome. I was advised ( and I have maybe 500 Emails ) to get appraisal and stop paying mortgage. On XX/XX/XXXXhe XXXX told me we had issues with appraisal and to pay mortgage for XXXX. Which I did and it was considered late as it was n't received until XX/XX/XXXX. So equity prime says after making me pay twice for appraisal, first to see and second to make sure it was fixed .... I 'm denied for late payments. Unprofessional and XXXX has been fired. Please help us. Sincerely XXXX and XXXX XXXX
The XXXX XXXX billed the wrong insurance company in my medical file the collection went to Northwest collectors. I called them numerous of times and the XXXX company sent them a statement for them to remove it, they refuse to do so.and they are rude and nasty and hang up in my face. I want them to pay me for pain and suffering and also for hurting my credit.
I paid off the balance of the Federal Perkins loan under XXXX XXXX. I was told my debt would be transferred over to a new loan servicer, but I only had a small amount left to pay off. I received a notice form this new servicer XXXX ( website XXXX XXXX XXXX ) that I owe a larger amount, which was incorrect because the correct amount left to pay off was less. I called the company and they said that there may be a lag in communication during a loan servicer transfer, so the record would be correctly shortly. I then called XXXX XXXX, who directed me to call my school. I called my school ( XXXX XXXX ) and the loan department confirmed that the correct amount to pay off was the smaller amount. They told me I could pay off the balance with XXXX XXXX since the records weren't transferred to the new servicer yet, and that doing so would pay off my entire debt owed for this loan. I opted to pay off the entire balance with XXXX XXXX to avoid dealing with a new loan servicer, and I should have a {$0.00} dollar balance. 

I have just received a second notice with the incorrect balance from XXXX, with a message stating that my balance is 15 days overdue and they will have to report delinquent accounts to the credit bureau. I do not owe anything.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The HPD approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from Portfolio Recovery, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.
XXXX XXXX XXXX account XXXX is wrongfully reporting on XXXX, XXXX and experian credit bureaus.XXXX is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately XXXX dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.
Since XXXX XXXX American Capital Enterprises say 's that i owe them {$1900.00}. 
I dont recall any of these accusations. Since XXXX XXXX XXXX XXXX say 's that i owe them {$580.00}. i dont recall any of these accusations either, this has to be identity theft .Because of these situations i cant open a bank account at all.
XXXX is reporting false and misrepresenting a loan they 're servicing that was transferred from Bank of America Home Loan servicing. 

On XXXX XXXX, XXXX, Bank of America responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

XXXX Mortgage information should reflect the same data as Bank of America 's to start. 

There has been no activity on the account since the transfer to XXXX ( ie no payments, no agreements ).
Transunion, XXXX, and XXXX are reporting inaccurate information on my credit report in regards to XXXX. XXXX has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : XXXX ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.
Back to this XXXX, I opened a Citi bank package with {$400.00} welcome bonus. All the requirements were meet four months ago, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. There are three requirements to earn {$400.00} bonus. 
Requirement 1 : open a new checking and savings account in the Citibank account package between XX/XX/18 XX/XX/18 Comments : My accounts were opened in XX/XX/18. Requirement 1 was meet.

Requirement 2 : within 30 days of opening your account, deposit {$15000.00} new-to-citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Comments : I deposited {$1500.00} to my checking and {$13000.00} to my saving accounts on XX/XX/18 from external financial institution. Requirement 2 was meet.

Requirement 3 : maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
Comments : More than {$15000.00} balance had been maintained from XX/XX/18 to XX/XX/18, which is more than 100 days. Requirement 3 was meet. 

In a word, all the requirements have been meet. Please ask Citi to post {$400.00} credit as advertised. 

Thank you!
XXXX threatened to sue me for this debt while I was attempting negotiate a settlement. XXXX had no interest in working on a settlement and I paid the entire balance, however, Collection Professionals refuse to remove this medical collection from my credit reports. Please manually delete this item from my credit report.