I took training and bought equipment in XX/XX/XXXX at XXXX XXXX solutions. I received a loan from XXXX XXXX for {$7200.00}. The interest started out at XXXX per cent. After being late the interest ballooned to 20.78 percent. I attempted to lower payments but the servicer stated that the idea was that I would pay the loan for life. In XX/XX/XXXX I became totally XXXX and filed a chapter XXXX Bankruptcy based on poverty and total XXXX. National Enterprise Systems, a debt collector, state the description of the loan as XXXX XXXX XXXX. They state that I owe XXXX. I never borrowed money for this discription. School Code is XXXX. XXXX is not a school. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I bought equipment and took training with the funds. It was my understanding that this was a personal loan. 
After requesting documents, National Enterprize Systems, sent copies of my orginal application with XXXX. Within the packet a memo appears that the loan was changed from the above amount to {$10000.00}. There is missing information on the loan application as noted on the forms. My credit score was XXXX. Please advise.