WillisBack/dataset-financial-user-claim huggingface dataset:
My issue with the XXXX XXXX been shut down, however I am XXXX and I went to that school, unfortunately there not professional, fraud, discrimination, lack of communication, lied, mislead, job interview wo n't accept anyone from XXXX student, XXXX and being force to XXXX and communication. Anyhow, I explain my situation to Navient customer service, nevertheless they wo n't help or say any more provide, whatsoever I felt like they have been harassing me whenever they called, email, yet without giving me the statement of how this bills of amount that cost ... They does n't have any Private Loan Forgiveness or School Discharge whether the Wyotech been shut down, therefore they said, " You went to school and you are responsible paying for it by their approach meant to say, Sorry they can not help you and I have to deal with it. '' Plus my wife is XXXX and it is possible for me to make those kind of payments, and I been trying to get BBB involved for XXXX, unfortunately they can not do anything because the school been shut down. Navients does n't have the program ... I, also tried to get an email from DOJ, XXXX, giving me these information. I am trying to find the result, but it is hard without knowing how to find a way for lawsuit or sue or waive the cost of this kind of situation. If you know anything about this to able help, I would like to know because it will help me and other person who is having trouble with this issue. Whether the XXXX been shut down XXXX XXXX, CA, therefore it should be able apply all the students who went there including myself.
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
I am filing a complaint on Equifax because I have sent them a request for verification of debt ( I am attaching the letter I sent on XXXX XXXX, 2016 ) on XXXX accounts which I dispute which are currently being reported on my credit file. I asked them to provide me with specifics about their investigation and for a written response to contain those specifics. 
{ XXXX } They have not, as of yet, not responded to my request. It is past the time allowed for them to do so, and I submit that they must delete these accounts from my report as a manner of course, in order to protect my rights as a consumer, under the FCRA. Please ask that they either send me the requested information immediately or remove the accounts listed in my letter. 

Thank you
in XX/XX/XXXX i open a home equity loan with XXXX XXXX. in XX/XX/XXXX Wellsfargo brought XXXX XXXX. My loan number was converted from XXXX XXXX account to a Wellsfargo account. i continued paying on my loan ( never missing a payment ). in XX/XX/XXXX i received a letter from Wellsfargo that the XXXX account was Charged OFF, Closed and that they will not attempted to collect money due. STOP making payment on this account. i then called several times to make sure the letter was true and accurate. Wellsfaro agreed that the letter was true. i also advised them that i was making payments on this account under another account number. they researched the information and called me back. ( the account is closed, charged off and there was nothing that can be done ) After stopping payments i received phone call from XXXX XXXX ( Wellsfargo supervisor ). XXXX XXXX and his supervisor went into my credit report and changed the report from account closed and charged off to account transferred over. i continue to call. in XX/XX/XXXX the U.S .Government gave Wellsfargo bank tax credit and funds for all XXXX XXXX bad dept. accounts My accountwas one of those account. After several months i reached back out to the department that handles the account being charged off. they replied that they could not speak to me  and my account has been changed. in XX/XX/XXXX wellsfargo began foreclosure procedures on my property. 
How can a Bank change account numbers on an account, write the account off, charge it off and close it. replace it with a new account number and forclose under the new account.
My loan was purchased by LoanCare, LLC ( XXXX, VA XXXX ) in XX/XX/2016. I discovered this after I had attempted numerous times to make a payment to my previous mortgage company via their website for my payment due XX/XX/XXXX. There was no indication that my loan was transferred and the error message supplied on my old mortgage company 's website was that a payment could not be processed at that time. Since that time, I have contacted LoanCare numerous times after getting their contact information from my old mortgage company including contacting them last week when I could not make a payment via their website after finally getting access to my account on their site. Interacting with LoanCare has been a comedy of errors ranging from not being able to access their site, getting access to their site but not being able to access my current loan, getting access to my current loan and not being able to make a payment, and being told as recently as today that my loan was no longer with them ( they were looking at a previous loan number for this same loan ). I was not comfortable with supplying my confidential payment information over the phone given the experience I have had with them to date. So the representative, XXXX, indicated that I could mail in the payment and it would make it in time by the 60-day deadline of XX/XX/XXXX. I called LoanCare today and they indicated that they have not received the payment even though I mailed it on XX/XX/XXXX ( today is XX/XX/XXXX ) ( 1st class mail from XXXX to XXXX does not take this long ). The first person I spoke with indicated that they do not process the payment when the payment is received via the mail ( it must be processed via a machine ). Then the supervisor I spoke to indicated that the first person I spoke with was mistaken since they post the payment by midnight on the day the payment is received at their P.O. Box. When I asked if they could ensure that my credit would not be affected and no fees/penalties be applied due to their numerous mistakes, non-functioning website, and inefficient processing of mailed payments, they indicated that they could not help me because I had 60 days and could have made the payment via phone. Unfortunately most of those 60 days were dealing with mistakes and inefficiencies with this loan transfer. I spoke with XXXX ( ID : XXXX XXXX who is a supervisor and XXXX ( ID : XXXX ). I have NEVER encountered a more incompetent company. I have owned my home since XXXX and have NEVER experienced the utter inability to make a payment ( unless I wanted to provide my most confidential information over a phone line ). How is it that consumers are held accountable for mortgage companies ' negligence and inability to provide basic services and accurate information? I am dumbfounded. I am now debating on stopping payment on the check that I sent at a cost to me of {$39.00} and try to make a payment via their website since it appears that the issues with my website access to make a payment on their site may be resolved. This is unacceptable.
Bank of America closed my checking account with no prior warning on Sunday, XX/XX/XXXX.

Prior to this, on XX/XX/XXXX, I had opened a claim with B of A, as I noticed that a merchant I had made bitcoin purchases with charged my debit card a total of {$160.00} in which I never received the bitcoin. I noticed the issue immediately and reported it to B of A on same day the transactions posted.

I never got a temporary credit for this dispute, which I thought was very odd so I asked B of A why. I was told that I would get my credit no later than 10-days after filing the claim.

Last year, I had a dispute with XXXX, but all ended in my favor so not sure why that would be a strike against me.

I was sick to my stomach when I tried to use my debit card on Sunday, XX/XX/XXXX and it was rejected. I went right to check my mobile app, and it would not allow me to log-in to view my account. No email, no call, no letter regarding the closure. I have done nothing wrong at B of A to deserve being treated like a criminal. I can not withdraw any money from my checking account at a branch. B of A did tell me they will accept any deposits, credits etc that come in, but they will reject any auto-payments attempted.

The closure department said that there is no reason provided for this happening, but that they would not report my account closure to XXXX.

I was not a bad customer at B of A, I rarely overdrew my account and always made weekly deposits. If buying bitcoin with my debit was an issue, they should have made that clear to me and I would have stopped immediately.

B of A said the claim will remain open until investigation is complete, but I presume the bank is just going to reject giving me the money I am owed. I feel like B of A could, and should treat customers better by giving a heads-up when closing any account, to allow that person to make other arraignments.

It is disgraceful and inhumane to allow banks to conduct such horrid behavior towards their customers.
Wells Fargo reference number XXXX OnXX/XX/XXXX, I opened a checking account in response to a Wells Fargo promotion for a " XXXX bonus offer. '' The Bonus code was XXXX. The bonus was the reason I opened a checking account with WF. 

The bonus required 1. open a new checking account with a minimum deposit of {$25.00} by XX/XX/XXXX 2. within 60 days of account opening, EITHER make 10 purchases/payments with your Wells Fargo Debit card or .... 

" We [ WF ] will deposit the bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met. '' I met the conditions of the promotion within the time period. After two statement periods, reflecting more than 10 debit purchases, WF refused to honor the bonus. I called WF three times. Each time, WF insisted I needed to make 10 purchases EACH MONTH. Ten/month WAS NOT a condition of bonus offer XXXX. 

OnXX/XX/XXXX I initiated a complaint via phone, ref # XXXX. Rather than the advertised {$100.00} bonus, which was the inducement for my opening an account with WF, I received a {$50.00} cashier 's check..
Ocwen Loan Servicing , LLC has not accounted for {$48000.00} in loan payments I sent in from XXXX XXXX thru XXXX XXXX. My account need to be adjusted to reflect a {$48000.00} principal reduction The Security and Exchange Commission is aware of the Defective Mortgage loan that 's a part of XXXX XXXX XXXX XXXX XXXX XXXX is a violation
I had a XXXX XXXX account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. From XXXX XXXX through XXXX XXXX. They reported I was 30,60,30,30,60,90 days late. Which shown up on my TransUnion report. It shown bad marks from them on my XXXX report. I do n't have access to the XXXX credit report.
Equifax will not provide my credit report to me. I was recently denied credit and am entitled to a free copy of my report.
I have my mortgage currently with Nationstar Mortgage. In XX/XX/XXXX/XX/XX/XXXX, I was notified by Nationstar that my policy needed a floodi insurance policy attached and that if I did not provide proper documentation they would buy for me and charge me accordingly. XX/XX/XXXX, I faxed a policy overview of flood insurance my HOA had secured for its tenants and for which I paid for already. When I called the Nationstar customer service to confirm they received my fax, I was told I sent only XX/XX/XXXX-XX/XX/XXXX and then needed XX/XX/XXXX-XX/XX/XXXX as well. So I sent the requested proof to them in the same month. Skip forward to XX/XX/XXXX and I am told that my monthly premium is increasing XXXX dollars per month. I called the customer service because I was quite alarmed. The rep told me that it was Nationstar 's policy to hold 2 times the escrow amount in my escrow account for safekeeping. TWO TIMES. I told my friends and family this since I was upset and they told me that it was completely unreasonable and I should fight it. I called Nationstar again in XX/XX/XXXX to find out again why it was going up {$300.00}. The rep this time told me that I was misinformed and that they only withhold 2 MONTHS worth of escrow for safekeeping - fine, but still why the extra {$300.00} a month? After much searching we find out that they were withholding for flood insurance. The very same insurance I had provided proof I already had through my HOA. I told the rep that I had sent 2 faxes. The rep said he found the first one from XX/XX/XXXX-XX/XX/XXXX. I said I definitely sent a 2nd one for the current year and to check. He said that he found it but no one had updated the system to say that I had flood insurance and that Nationstar did not have to add it to my account. So I have been overcharged for someone 's mistake. And they told me they can fix the error but it will take 30 days to be corrected. So I asked technically for my next payment I will still have to pay the overcharged payment? They told me yes, but after the they reanalyze my escrow, my payment would most likely decrease since I have been overpaying.. I asked if they will reanalyze automatically when the money returns to my account. The rep, XXXX, told me that I would have to CALL THEM TO REMIND THEM BASICALLY TO THEIR JOB. Incredulous! 
I am now waiting for my refund.
Hello, On XX/XX/XXXX, I was provided a {$5000.00} from XXXX XXXX aka XXXX XXXX XXXX. 

The term 24-month title loan with a {$1800.00} finance charge - total repayment should have been {$6800.00}. 

By XX/XX/XXXX, I paid the loan off completely total payments were {$6600.00}. I was provided a {$200.00} credit for paying it off 20 months early. 

On XX/XX/XXXX, my mortgage officer stated I had an open car loan with the above company with a balance of {$2900.00} and monthly payment of {$370.00}. 

Since I had paid that loan in-full, I knew this was an error and called the company immediately. They informed me that I had purchased {$1500.00} additional service package when I received the loan. They stated there was nothing they could do for me and that I must pay. 

Please note, the day I received the loan was I was in a jam and needed the money quickly to repair my truck for work. The contract they provided was in English and since I don't read English well I had to rely on the honesty of the companies representative. 

Unfortunately for me he was not honest.. Since this {$1500.00} package was never mentioned. I recently found out they have a common practice of selling you additional services with providing full disclosure. 

The finance charges XXXX XXXX are charging should be illegal. But I would have never complained, because they lent me the money when I needed it. 

They purposely provided me a contract that they knew I could not understand and did not disclose the additional fee. This practice is extremely deceitful and should be illegal. ( My daughter is translating this letter for me ) Sadly for me and my family we are about to lose the opportunity to purchase a home because they are trying to swindle us out of an additional {$2900.00}.
On  XXXX   XXXX ,  XXXX , My husband and I went to   XXXX   XXXX   located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , to purchase a family van for our son who is  XXXX . The price of the vehicle including sales tax was {$70000.00}. We traded in our car, which they valued at {$19000.00} and we also put a down payment of {$8700.00}. I started making payments on  XXXX   XXXX ,  XXXX  of {$670.00} as per the agreement. In the months to follow I noticed that the principal is not reducing the way it should. I called the finance company Bank of the West  (  Address   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , Phone  XXXX  ) on  XXXX   XXXX ,  XXXX  and requested a transaction history due to not seeing the balance reduce. Also called  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  until they were finally able to send an amortization table. In review it seems that the fixed interest of 5.50 % is not fixed and has been fluctuating. I called once again  XXXX   XXXX ,  XXXX  and spoke with Customer Service representative  XXXX  who stated that there is a Per Diem of 8.23 % and questioned her what is a Per Diem and why was it not explained in the contract. She stated all car loans have a Per Diem the call disconnected. Called back the  XXXX  and spoke with another customer service representative  XXXX , and she was not able to locate anywhere on the contract that a Per Diem would be charged, she then ask ed her manager a nd he stated that the Daily Per Diem is not listed on the contract due to the Daily Per Diem changing each day. I do not find this to be good practice, this should have been disclosed. Also on the contract I noticed that the vehicle we traded in was not included as part of the down payment, they have yet to explain the reason. We purchased the vehicle for our son because he needs accessibility and mobility, it is hard for me to carry him on and off the   XXXX    for school  and Dr   XXXX  Appointments and family outings, for this company and finance company to take advantage of such a delicate situation is outrageous.
I have several accounts, address and work place on my credit report that i did not make or was not aware of them. # XXXX credit account : Capital One Open Date, XX/XX/2012 did not make this account or had no knowledge of said account.
This is about Chase Bank. I wrote my roommate a check. We called to see about placing a stop on the check on XXXX/XXXX/2015 because I did not want it to make my account negative. The rep said there would be more fees accrued if the stop was placed on the check, and to have my roommate write a check to counteract it. We called XXXX seperate times before we ever deposited it, making sure it would n't be an issue. We were guaranteed it would go through since the roommate would have a positive balance in the account, but it would be overdrawn after it clears. He received a returned check fee, but the check went through on my end. My account was positive, the deposit was accepted. The rommate called the morning of XXXX/XXXX/15 and talked to a " specialist '' at Chase Bank. Told her that he received a returned check fee, but the check deposited in my account. She never, NOT ONCE, stated that the check was going to come back out of the account. Now they are telling us there is nothing we can do, it does n't matter that we were given wrong information that completely ruined my bank account. All they would do about the reps not giving us correct information is " file a complaint '' How many times do we need to contact a bank prior to depositing a check to make sure this is not going to happen? Is Chase not held liable for their actions and wrong information? Now I have a negative bank account that is going to take my entire paycheck to resolve and Chase will not give me ANY solution to the problem. My livelyhood is a stake. I have no idea how I am supposed to get to work with no funds to even pay for gas.
I'm an XXXX XXXX solider who serve his country and HSBC doesn't provide XXXX percent customer service they told me that would help me out with fraud transaction, as stated on their ad, we aren't XXXX percent reliable for these fraud transaction and these are the charges XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XXXX XX/XX/2018 XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX I was told that it was supposed to be credit back but it never gotten transffer from the previous card ... i called the customer service rep we spend over an hour on the phone so i got fed up with it. so now im deciding to write this letter so the world can see it.