WillisBack/dataset-financial-user-claim huggingface dataset:
I was scammed and defrauded by a college called XXXX. 
This corporation was a satellite school that originated in XXXX, XXXX. 
There were XXXX satellite colleges.One in XXXX, XXXX, one in XXXX, one in XXXX, XXXX, and I went to one in XXXX XXXX, XXXX. I was a student from XXXX and XXXX. 
In XXXX it collapsed. There is NO XXXX XXXX XXXX. It was absorbed by the XXXX which is the capital of XXXX I pursued a XXXX XXXX called XXXX XXXX XXXX in XXXX. ( XXXX ) This is a degree that can not be used. Therefore I have been defrauded of major money. 
This organization has charged me XXXX dollars at Federal Loan Services. 
In XXXX, the institution eliminated job assistance and placement office. 
The former president of XXXX is XXXX XXXX who was discharged in a scandal. I am asking for your help to investigate this scam and advise others of " buyer be aware ''. The large amount of FedLoans has been in the news in a very bad light. 
Please help with any and all points.
Got a bill from credit collection agency called to dispute the amount. They added {$100.00} to the bill. The original amount being {$550.00}
please remove the XXXX collection from my file it has been removed STATUS Company responded on X/X/2017 RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX  to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account XXXX is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX XXXX, XXXX.
They repeatedly call and ask for someone else. I tell them who I am, but relentlessly continue to harass me asking for this other person. I have had this number for about a year now. They call 3 times a day, day and night for the past two months that I can remember. They are called RPM debt collectors. I do not have any connection with this garbage company.
I am not sure of the exact date but it was about 2 weeks ago. Convergys ( collecting for XXXX ) called my father and after he told them that he was not me they still continued to verify sensitive information like my social security number. I had set up a payment plan but fell behind because they told be that it would n't hit my credit report if I paid ( they told my wife ) something monthly but it did. This company is horrible and I feel my rights were violated because they gave my sensitive information out.
I did a police identification theft report I also reported identity theft with the Federal Trade Commissioners office regarding this account. Ive sent copies of each to the credit bureaus and all of them but Equifax have removed this fraudulent account from credit report. This account IS FRAUDULENT and has not been removed
The Debt Reported from XXXX XXXX is n't the original debt. its not the proper creditor name nor is the dates correct made by enhance recovery and they used a new date to force to collect from me. the debt is paid to date, I want a full removal of this debt because of false reporting of information to attempt to collect a debt. I want it sent to all three bureau for removal ASPAP! they are to provide all Original Documents!!!!!!!!!!! of proof of dates!
To whom it may concern, I have been a Loyal Wells Fargo Bank customer since XX/XX/XXXX. Just Recently I received a letter from Wells Fargo Bank advising me that my credit limit would be reduced by {$1400.00}. The reason being that the amount I owed on other credit cards was too high, that I had too many cash advances in one year, and that my payment to Wells Fargo was too low relative to the balance I owe. On this last point I understand that if I make the minimum payment only, I will pay a lot more in interest charges. I have been paying a little more than the minimum which Wells Fargo sets so I do not understand why this would be a issue as long I am current with my payments, which I have always been. 
I feel Wells Fargo lowered my current limit intentionally so they would be able to charge me more fees in case I went over my limit. In over 20 years of banking with Wells Fargo I have yet to default on any account. I am going through a personal financial crisis right now but I have managed to keep all my payments on time. I expect by years end to have my situation under control and I have been gainfully employed at the same company for 20 years. I believe Wells Fargo uses this type of situation to take advantage of customers and turn a bigger profit also by lowering my credit limit they cause my credit score to go down. Thank You
I ca n't get Navient to answer any questions. I asked for the income based repayment plan and they wo n't return my phone calls. They even hang up on me. When they do take my calls they tell me to just do forebearance. I want the income repayment plan or " get a better job ''
I will mail you all this I am having problems with XXXX banks and thier debit cards due too the theft of my wallet wich i filed a police report and did every thing they asked of me, The XXXX banks are XXXX of XXXX, IN. XXXX. Wich I have already filed a complaint with the OCC. the XXXX. they rewferd me too you. the other banking issue is with COMERICA BANK. which finances the debit card by DIRECT EXPRESS debit card program. XXXX XXXX XXXX XXXX, TX. XXXX. This is the XXXX I am wishing you will help me with now and I am mailing some papers.pertaining to this dipute which they refuse to honer their phone is XXXX dispute # XXXX I have done every thing they have asked even sent copies of pertinent paperwork by certified mail. they have always given me the runaround. even going as far as giving me a fax number which they said they did not receive. I faxed it again, all at my exspence. then when I called them again another representative on the phone said they do not accept faxes and that fax # is not used often and is more than likely thrown away. All this I beleive was to wear me down make me give up. and also to burn up the time ( 90 ) days I had to make my complaint. how can they make legal decisions like that when their is a warrant for the person I named in police report and the with drawls from account was made all in a short period of time ( 2 ) days I believe. I called XXXX they said they do not handle this and I would have to call number on back of card ( runaround again, wasting my time again ). please try and help. I am mailing some of the papers I have sent them certified mail but will send you any thing i can, that you may need. thank you again. XXXX, XXXX IN. XXXX cell # XXXX
Debt was paid on XX/XX/2015. Company posted debt as paid in their internal system. They refuse to remove the account or the past due debt from any of my credit reports.
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state.

Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Virginia. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas.
I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from XXXX XXXX XXXX requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and XXXX XXXX XXXX XXXX for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. 

I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.
MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
sent payment via XXXX ( sending copies ) XXXX over amount payment cleared XXXX on XX/XX/XXXX 
got e-mail XXXX/XXXX/2016 XXXX p.m. stating payment late. 
contacted cust. service. no help. re called asked for super. refused to help. 
they do this frequently XXXX reference XXXX pos XX/XX/XXXX
I have disputed the account listed below with all three credit reporting agencies and they said they did an investigation and verified the information first hand. This was a complete lie because all of the information is different and this may not even be my account. They are violating my rights and I am trying to prevent bringing legal actions upon them and that 's why I 'm reaching out to you. The investigation was n't done properly nor did they send me and information like an original contract that says I signed up for this account. The disputes were sent out in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX notarized & certified and I keep getting that they are verified. I have disputed this information multiple times and sent the following email attached to the creditor.
A total of {$620.00} is owed to me by Coinbase for the sale of two Litecoin crypto currency at {$310.00} each. The coins were sold to Coinbase on XX/XX/XXXX and the money was promised to be deposited to my checking account by XX/XX/XXXX. My transaction has been pending since XX/XX/XXXX Four emails have been sent. Multiple phone calls have been made by me, and I have not received a response from Coinbase. I would like the money that is owed to me.
I am a Victim of ID Theft I have a freeze on all of my credit files, I am concerned with my Experian file, I have never been contacted when companies are contacting Experian for my information. When I question at custom service they were very nonchalant about it. I was aware of XXXX inquiries yet I did not get any phone calls as to why or the confirm the inquiries. It makes me a little concerned and I want to feel protected because I was a victim with IRS. I am still very careful with my credit which is still damaged due to being a victim
XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX   Late payment. This account was never late. {$21000.00} XXXX/XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

National Credit Adjust This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
Relentless calling from a company called Portfolio Recovery and they call from several different phone numbers and I have called every number that they have called me from stating that I am not the person they are looking for and that I do not even know the person they are looking for. It 's to the point now that I just pick up the phone and hang it up because it is pointless to keep telling these people I 'm not who they are looking for. This is my work number and it is getting very aggravating dealing with them calling XXXX times in an XXXX hr shift.
Notified XXXX XXXX initially XX/XX/XXXX, filed necessary FTC report, Police report and dispute with CRA. Account was deleted from CRAs, however XX/XX/XXXX account transferred to another agency CONTRACT CALLERS INC, agency forward me back to XXXX XXXX due to account listed as fraud and information inconsistent with data reported by XXXX XXXX. 
Spoke with XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without resolution.As per XXXX XXXX supervisor, i was informed it was nothing that could be done and file a complaint. 
All 3 CRA had fraud/active duty alerts during this time account was open and XXXX XXXX failed to notify of fraudulent activity and even notify of account being opened.Neither the collection agency nor XXXX XXXX has offered a resolution regarding fraudulent account opened in my name. I am repeatedly hung up on or transferred.
I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.
1. Hard inquiry from XXXX XXXX on XX/XX/XXXX that I did n't know about. 
2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.
I was admitted at XXXX Hospital, XXXX XXXX, MD on XXXX/XXXX/XX/XX/XXXX with XXXX. I was discharged on XXXX/XXXX/XX/XX/XXXX and I received all my bills and settled. i viewed my credit on XXXX/XXXX/XX/XX/XXXX and saw XXXX XXXX XXXX XXXX serious delinquency had been reported by collection agency, Suburban credit corp against me. I never received any bills nor contact from them but they went ahead and reported to the credit bureaus.
XXXX XXXX is not working with me to set me up on a payment plan that I can afford, and is now taking me to collections for an amount well above what I actually owe. XXXX XXXX  has straight up told me on several phone calls over the last 3 years that they do not offer payment plans and I just need to pay them what they say. Over the last year I have not received one phone call, email, or letter asking for a payment or to help with a payment plan until I got a letter saying in in collections for {$20000.00} when my loan amount was {$13000.00}. It is unfair and unreasonable for them to set a blind number and expect someone to pay it and refuse any other type of plan.
I went to close my mothers IRA at a Wells Fargo branch. I have power of attorney. I even provided the original documents. Both the banker and the main office denied the document. They obviously did not bother to read it as Section B clearly states I have the right to close the account. Per their own admission, the account will simply sit in limbo no once could advise on what to do.
There is an account on Equifax from XXXX XXXX   that was paid on XX/XX/2017. XXXX XXXX stated they sent over a letter of expungment that the account was paid and should be removed. I have contacted XXXX XXXX multiple times but it is still showing on Equifax. I disputed on Equifax online still on my report.
Dear Sir/Madam, Good evening. This is XXXX XXXX. I 've met the spending requirement of my XXXX XXXX card for months and yet there is no sign-up bonus 35k in my account. I 'm booking my trip to Hawaii for XXXX so I really need these points. Could you please urge XXXX issue the points as the contract said? 

Thank you, XXXX
Mid Atlantic left a threatening voicemail on my cell phone about a debt and how my credit would be ruined due by reporting to a CHEX agency. When I called the first XXXX refused to provide any information but demanded my SSAN. They hung up when I asked who they were and what the claim was. Finally, a XXXX person told me that they would fax the documents but could n't tell me over the phone what the claim was. The fax has not arrived. 

My credit is excellent and I am wondering what this about. These people are using my cell phone without permission. They are rude and overbearing and use legalistic phrases that are not relevant. 

There are tons of complaints about these people online. 

I resent my cell phone being used, being accused of owing a debt, being harassed, and being threatened.
I get daily repeated phone calls from an number in XXXX XXXX, NJ XXXX. Either no one is there, or when I ask to have my number removed they hang-up without speaking or warning. <P/>When I do get someone, they never Identify who they are by personal name of company name. They state that the call may be recorded in an effort to collect debt. Then when someone is there they ask me to verify my name, DOB and on one case my address and SSN #. When I advise they need to ID themselves, they say they can not until I verify the above because it is of a personal business matter. They refuse to give the company name which by FDCPA they must do as it is not confidential info. When I demand they ID them self, they hang-up without warning or comment. <P/>On X/XX/2017 I called the # back and got a rep who asked for me to ID myself. I refused to until she told me the company name. She hung up on me. I called back and a different que gave me the company name as Berk Credit Collections. I then asked for a manager and got a man named XXXX XXXX, who I asked to remove my # and he said it would be done. I also requested a written notice of who they were and what business they had with me. he asked for my Address. I advised if I had legit debt that he would have that. I advised that the reps are calling and hanging up when asked who they are calling from and how this is a FDCPA violation. He merely said, " Yeah, OK '' and he hung-up. <P/>What recourse do i have. I am not aware of any debt I have in collections. I do n't have perfect credit but have worked hard to fix my past mistakes. this is harassment and unfair debt collections.
After a 3 month trial modification, in XXXX 2015 I signed papers for a modification with Bank of America. Less than 2 months later, I received a letter stating my payment went up an additional {$50.00} per month despite the original agreed upon amount. Bank of America as been proven to be unscrupulous with their tactics over the past several years in regards to my mortgage.
I have contacted Ally multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX Rental which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.
We did a loan modification back in 2008 circa with Wells Fargo due to financial hardship. And the modification period has ended recently and the interest rate increased to 6.5 % on our mortgage. The payment became too high for us to handle and with our current credit score ( XXXX ) we are not able to refinance. Our parents loan us XXXX  and we wanted to pay down the principle of our mortgage and recast our loan term in order to lower our monthly payment.
When we contacted Wells Fargo regarding this, they told us they can not approve our recast because we had previously done a loan modification on this mortgage. When we sign the loan modification, there were no verbal warnings nor papers telling us doing loan modification would effect our ability being recast even with us able to pay down over 60 % of the total amount owed.
So the goal for us is to pay down the loan and recast our term thus lower our monthly payment. We are not even asking wells fargo to lower our interest rate.