WillisBack/dataset-financial-user-claim huggingface dataset:
I enrolled in medvance institute in XXXX. They mislead me about student loans. They stated I could relieve quite a deal of money back by them submitting all the paper work in themselves instead of me paying in full or taking out a personal loan. The cost to attend this school was, {$860000.00} in XXXX. 
I believe I was mislead by this school on student loan.My loan was then sent to Navient. 
At the time the o was out of work then only could find part time work. Navient always revered my to forebarrsnce. Presenting it as a better option for me because I could not afford the XXXX payment a month. They never have me options of income driven plans. Or divided the huge accusation of interest. I feel they did not take the time to talk to me about ALL my options. Today the loan is {$25000.00}. I work full time and can pay a monthly payment. The payment they want is about XXXX XXXX a month which is something I can not afford so I enrolled in the income plan. It now is XXXX a month and of course that barely goes to interest and the keep tacking on XXXX a month because I could not pay a past dues amount that accumulated when the income driven plan took longer time to get approved then the generation of monthly payment. So now I am almost XXXX past due and a monthly payment of over XXXX due to XXXX in last fees each month. Barely nothing goes to interest. In XXXX my payment starts to go up to over XXXX a month. I am horrified my principle loAn is almost XXXX more now. I feel Navient steered me into what was easier for them and was better for them to receive more money. I wish they would have taking the time to really discuss things with me. They are always hostile when I attempt to contact them and discuss loan details. THEY CALL ME EVERYDAY EVERY TWO HOURS. WHICH IS HARRASMENT I now make a payment of XXXX a month hoping a small amount will go to the past due. They have informed me to take out a personal loan to catch up. Instead of giving me a payment plan to do so. 
The point of this complaint is started with the original loan pressure and lack of explanation and now Navient 's handling and fauie to take the time to communicate details and pressure of forebarence My complaints fits most all of the Catagories listed
Bank of America incorrectly applied my payment to a credit card account. There were XXXX payments made in a billing cycle XXXX 2015. The XXXX payment of {$300.00} was made XXXX XXXX, 2015 and correctly applied towards the monthly minimum payment of {$81.00} and the lowest APR balance. This balance of {$7200.00} was subject to 0 % APR and represented the entire amount of debt on the account at the time. The XXXX payment was made on XXXX XXXX, 2015 for {$1300.00}. This entire amount of the XXXX payment should have been applied towards {$1500.00} of purchases posted between XXXX XXXX and XXXX XXXX, 2015. Unfortunately, Bank of America applied the payment incorrectly splitting the amount between the lower and higher interest rate. This resulted in an interest rate charge of {$9.00} against a balance of {$640.00} for purchases subject to the higher interest rate. If the payment was applied correctly, the balance subject to the higher rate should have been {$220.00}. I contacted Bank of America to resolve and they claim they applied the amount towards the lowest APR in accordance with Federal Law. This is NOT what the law prescribes. That only applies to the minimum payment amount and any amount above that must be applied towards the highest balance. 
I request you assistance on XXXX matters : 1 ) assist in getting the Bank of America to correctly apply the XXXX payment to reduce the balance subject to higher APR as this effects the next months bill and 2 ) assist in getting Band of America to refund the incorrectly charged interest.
My bank ( XXXX ) offered a balance transfer option which I took advantage of in the amount of {$11000.00}. I asked that the money be sent to my Citibank MC to partially pay my balance of {$12000.00}. XXXX sent the first check to the incorrect Citibank address. They reissued the check and Citibank received it on XX/XX/XXXX. Since it was past the monthly due date and to avoid interest charges on my balance, I paid the {$12000.00} in full. Therefore the {$11000.00} XXXX check now created a CREDIT balance of {$7800.00}. ( I use the card constantly hence the credit balance of less than {$11000.00}. ) On XX/XX/XXXX I called CitiBank and asked for a refund of the credit balance which I was told would be deposited in my checking account in 4-5 days. On XX/XX/XXXX I called again, spoke to a supervisor who contacted XXXX to verify the validity of the XXXX check. I was then promised again that the credit check would be in my account by today XX/XX/XXXX. It still has not been done.
On Tuesday of this week, XXXX XXXX, XXXX, I paid off my mortgage that was held by Bank of America. The money to payoff the mortgage was transferred from another account that I had with the bank ( Rewards Money Market Savings ). The amount of the payoff was {$40000.00}. Prior to the payoff taking place, I could view my mortgage payment transaction history ( Payment Date, Payment Amount, Principal / Balance, Interest / Buydown, etc ) online on the Bank of America website. After the payoff, the transaction history was removed, that is, it can no longer be viewed. So, the payoff and hopefully the XXXX balance can not be viewed or printed. I called the Bank of America Mortgage Department this morning, Thursday, XXXX XXXX, XXXX, at XXXX XXXX to complain about the removal of the transaction history. I was told that their system automatically does this. The representative told me she would mail me a copy showing the payoff amount and that I would receive it within seven to ten business days.
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Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act XXXX against { RECEIVABLES PERFORMANCE }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act XXXX  because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
I EXPERIENCED SEVERAL UNAUTHORIZED TRANSACTIONS, THAT WAS CHARGED TO MY CHECKING ACCOUNT. THESE CHARGES WERE FALSIFIED BY, TME ( XXXX XXXX XXXX ) IN THE AMOUNTS OF XXXX, XXXX,XXXX AND XXXX.THESE CHARGES CAUSED AN OVERDRAFT ON MY ACCOUNT, IN THE AMOUNT OF XXXX. I FILED A FRAUDULENT COMPLIAINT WITH TCF BANK, THE COMPANY PUT ALL OF MY FUNDS BACK IN MY ACCOUNT, HOWEVER, TCF REFUSE TO WAVE THE OVERDRAFT FEE. I SPOKE WITH A BANK REP. AND A MANAGER, WHO REFUSED TO WAVE THE XXXX FEE. IN FACT THE BANK REP. THAT FILED THE COMPLIAINT ( XXXX ) STATED THAT ONCE XXXX XXXX, REFUNDED MY MONEY BACK INTO MY ACCOUNT, THEY WOULD WAVE THE OVERDRAFT FEE.
This is a complaint regarding American Express opening a new account without my permission and not granting me XXXX bonus for that new opened account. 

Around XXXX last year, I called Amex to cancel my American Express Platinum Card, and was offered XXXX bonus points if I downgrade to Premier Rewards Gold Card. I accepted the offer. 

Few months later, I found out that the Platinum Card was still present in my account. I called up Amex. I found out, that instead of downgrading the Platinum to Premier Rewards Gold Card, Amex opened another Premier Rewards Gold Card, in addition to the Amex Platinum. I called up Amex to cancel that Platinum. They said they are going to investigate why this happened. They told me to go ahead and spent $ XXXX so I receive the XXXX bonus on the new Premier Rewards Gold. 

In XXXX, when I had spent $ XXXX, I called Amex to confirm the bonus once again. Instead of confirming, they said I wo n't get XXXX bonus, since I had this card with them ( long time ago ). I told them that was not what was promised to me for my troubles, and was not on the welcome letter I received from them. They refuse to bulge. 

I have been a long time loyal customer of Amex for a long time now, giving them plenty of my business, including having over XXXX accounts open with them. I feed swindled that they opened a new credit card instead of downgrading my existing card, causing my credit score to decline and lots of confusion. I also did n't get my XXXX points promised, even though I was told I would, over the phone and email. 

I have attached the following as proof : 1. Premier Rewards Gold Card offer confirming XXXX points if I spent {$2000.00} in three months 2. Letter confirming the new Premier Rewards Gold Card 3. Chat with Amex rep confirming that my account was opened in error, and not giving me XXXX points as promised
Chase bank had charged me excessive fees for no reason. I was charged  XXXX  dollars in fees for  XXXX  transactions that never hit my account. I never had knowledge of it until i saw a  XXXX  dollar return item fee on my account. Other than that there was no pending transaction for the amount they returned. They did not give me a chance to pay it or dispute it for accruacy. Chase bank also charged me for a charge that was paid the same day it hit my account before the cut off time of  XXXX  EST. I want the fees reversed!
Northway Financial a payday loan company extended several loans to me from at least XX/XX/XXXX through XX/XX/XXXX. A company using the name XXXX XXXX XXXX ( XXXX ) has been harassing me for months to collect a {$990.00} debt. First it was XXXX debts now its XXXX and as I look back at my bank statements I see they deducted for the loan amount using XXXX transactions each time. There is no record of any loan made that was not repaid under their terms. I have been harassed for months by XXXX with many calls logged on my phone and available from my carrier. They have called me a deadbeat, thief, swindler, XXXX among others I ca n't recall. I have been threatened with jail, lawsuits and arrest at my job and home. When I ask for the address they state for safety reasons they ca n't give me the address. When I ask for their business license number they say it is none of my business.
XXXX/XXXX/XXXX I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the XXXX credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since XXXX/XXXX/XXXX. The court order states that I pay XXXX a month and I pay more than XXXX a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the XXXX XXXX XXXX XXXX and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsible Father,  my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.
I am getting a call from green tree everyday demanding that i pay them over the phone. They stated XXXX the representative that I have no choice to either giver her my checking account and pay XXXX dollars or continuoully get harassing calls every day up to six times a day.
I have a collection item reported in my Equifax credit report. I tried to file online dispute but their website does n't work. You can fill out all info for an item in collection but can not submit the dispute. I have tried it for XXXX and finally called them. They advised me that I will have to use the online form to file a dispute. 

With non-functional dispute website and not responding on phone, I am left with no option but to file a complaint.
Hi This was the letter I sent XXXX XXXX when I had paid off my credit balance in full a week later they lowered my credit limit for no reason, I asked them to reinstate my original limit but they said no! I feel as if they just wanted my money! I was never late paid more than my min payment! 


Im inquiring as to why my credit limit was decreased from {$1000.00} to {$750.00}? 
I know I had notified you guys regarding the reason I was not going to be able to pay the last two missed payments of XX/XX/XXXX and XX/XX/2018 due to someone had compromised my banking information, so the bank had to complete their investigation and I was unable to make any transactions using my bank account! And I had agreed as promised to pay off the full balance once the investigation with my bank was completed! And I paid off all my other accounts as well! I think it it unfair that this happened to me as a good customer with good payment history since my account was opened! I would like to be reconsidered to get back my original credit limit or extend my credit furter!! I can understand if my account wasnt in good standing! I also have a recording where I spoke with your representative on the phone when he explained and assured my account was in good standing and that it was ok to pay off my full balance!
My information has been breached, everyone knows it ... everyone is taking full advantage of it and even trying to get a loan, claim, Grant in my name. It's real hard due to the fact that my own family+friends betrayed me. I haven't made one claim get but XXXX XXXX and citi bank both want to act like it's not going on.. they never let me see the computers when I physically talk to a banker.. They just insist on lieing in my face as they delete all the transactions in front of me.. It's not right nobody can access my accounts except me, There is no joint or nobody who's my financial partner wether they have the same last name as me or not.. always deception and XXXX discrimination by citi bank and XXXX XXXX.. I've been with wells for 10years for them to take advantage is straight wrong.
I have multiple private student loans with Navient. I have been in numerous agreements on monthly payment plans. I was threatened that if I did not make a settlement payment I would face legal actions as would my co signers. I examined that financially j could not make such a payment and they continued to harass me, my employer, my husbands employer, my Mother in law, even my next door neighbor. I finally had to borrow the money and paid them {$8000.00} down. I requested a receipt and explaination as to how this payment was being allocated and the new payment plan l. I never received anything o asked for and then they continued to harass me and asking me for another large settlements. This is absolutely ridiculous. When I have no problem making realistic monthly payments. 
Then sometimes they withdraw 2 times for same payment and do not reimburse me. This is out of control and does not seem to be legal! I need it to end
MY JC PENNY PLATINUM CREDIT ACCOUNT IS CLOSED. I HAVE IN PLACE SINCE THE YEAR XX/XX/XXXX A PAYMENT PLAN TO PAY VIA AUTO PAY. OFF THE BALANCE IN THE AMOUNT OF {$64.00} PER MONTH UNTIL THE BALANCE IS PAID OFF IN FULL. I HAVE NOT USED MY JC PENNY CREDIT CARD FOR AT LEAST THREE YEARS. EVERY MONTH ON THE XXXX VIA AUTO PAY FROM MY XXXX XXXX CHECKING ACCOUNT. THIS MONTH XX/XX/XXXX, THE AMOUNT OF {$190.00} WAST TAKEN OUT OF MY ACCOUNT INSTEAD OF THE USUAL {$64.00}. TO THE BEST OF MY KNOWLEDGE THIS FRAUD. I WROTE JCPENNY /SYNCHRONY BANK A LETTER DATED XX/XX/XXXX STATING THAT MY PAYMENT REMAIN IN PLACE. I HAD TO FILE WITH THE FEDERAL TRADE COMMISSON IDENTITY THEFT FTC # XXXX
My hole family is Fake and drug government workers my XXXX then XXXX XXXX XXXX timers a year XXXX XXXX shot Bipolar time XXXX worked XXXX Shot down WTC planes his Ex wife Husband XXXX work XXXX my Dad Installed Switches Nuclear Subs then ran XXXX foot computer screen of XXXX XXXX XXXX my XXXX XXXX Dad makes XXXX email Launch and XXXX Generator Blew up XXXX XXXX in XXXX same XXXX did XXXX XXXX XXXX XXXX, XXXX 's XXXX cleanup World Trade Center putting humane hearts in " XXXX '' XXXX Nuclear Reactors freezer Banks melt. 
I have only XXXX Cousins close XXXX my Age Berger-man, XXXX XXXX wife XXXX XXXX relative and her Mom serve my school lunches XXXX Employer build XXXX Nuclear Storage Facilities. 9 years I dated XXXX XXXX a XXXX XXXX XXXX XXXX Department worker at XXXX received XXXX XXXX XXXX handle Nuclear Weapons and XXXX ran Port Authority Building fore the XXXX XXXX after XXXX. XXXX relatives provide Missile Silo Steal Both Sides of family run XXXX XXXX XXXX. XXXX XXXX work XXXX XXXX lived across school and beat me up in Lunch room XXXX XXXX buy are Farm lots then XXXX work XXXX in XXXX many XXXX switches with XXXX Atom Building Half world wide reactors. My XXXX XXXX XXXX owned XXXX Dealer, XXXX across XXXX and XXXX XXXX his Brother Vice President Farmers Insurance across XXXX then sold Children 's Books, XXXX XXXX XXXX across Bank XXXX XXXX XXXX XXXX XXXX founded and Largest US XXXX Hanging Mom on XXXX Comity with XXXX is XXXX XXXX. My Relatives own Millions XXXX 's corn fields and Sleepy Eye Treaty Site gave Both sides of the XXXX Mississippi. XXXX XXXX XXXX of XXXX My other grandpa XXXX XXXX settle took Indians XXXX over a cooking Pot then Sold Farms during farm Crises and Worked fore XXXX founder of the XXXX XXXX and Veterans of Foreign Wars, XXXX XXXX XXXX XXXX were Social Security is now. 
I built US Bank, XXXX House elevators Restaurant tunnels XXXX kidnap people in My Brother XXXX wife XXXX work XXXX mechanical hearts XXXX XXXX XXXX Presidents Circle, In between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Software most Architects used from XXXX Avalanche Software there old building buy XXXX XXXX XXXX 's only XXXX rated XXXX hotel XXXX XXXX Main Speech XXXX XXXX ran Dissolution of XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY.
I mailed a dispute to Experian on XX/XX/XXXX requesting an investigation and removal of a charged-off Capital One Account ending in XXXX, I have yet the results. Experian has failed to comply with the FRCA 30 day requirements and as such I request the account be removed immediately from my tradeline.
Dispute Case : XXXX XXXX/XXXX/15 XXXX XXXX NJ {$58.00} I received defective merchandise from a company. The item was returned, but the company failed to issue credit. Therefore I disputed the charge in writing on my Discover Card. Discover has not investigated correctly. The merchant presented XXXX. However the merchant failed to provide proof the XXXX XXXX XXXX were accepted. This was denied. In addition I provided proof ( tracking ) that the item was returned as requested by the merchant. Discover claims this to be outside the return limit. However the merchant failed to provide proof of delivery. The return was within the return limit. The merchandise was not as described, i.e. the glasses were broken. Discover Card failed to investigate unbiased. Instead my legal right of disputing a charge were negligently hurt by making biased decisions.
This has been an ongoing issue as I have been trying to obtain a loan modification from the company FCI Lender Servicers , Inc. since being transferred to the company for almost a year now. I originally completed a loan modification application through a XXXX Counselor XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX XXXX XXXX. However, XXXX violated federal servicing laws by not transferring my loan modification information. Fast forward to now, I already have a complaint on file, and now forced to file an additional complaint as the company continues to deny my request for loan modification. I understand a company may choose not to work with a customer, but in choosing not to work with the customer, they should never create and document false information in order to justify that cause. 
During the month XX/XX/XXXX I made another request for loan modification. In all this was the third attempt to receive a fair loan modification from FCI, the listed servicer, as well as its apparent managing company, whose name is actually listed on the assignment : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Trust as trustee of the Residential Credit Opportunities Trust. As they quickly denied my request for loan modification application, they sent me a letter stating that they received my " complete Loss Mitigation Package '' and some figures they worked up. I sent only a request to proceed with my updated documents and income information. I never sent a complete " Loss Mitigation Package '' because I would need to know exactly what documents they wanted. As well they would need my updated bank information etc ... Per FCI 's appeal process I responded with this letter in part : This letter is to appeal the decision that has been presented on the letter dated XX/XX/XXXX regarding the request for loan modification. 
The request was made on the perspective dates as stated, but I never sent to your office a " complete Loss Mitigation Package '' as stated in the letter dated XX/XX/2015. It appears that your department did not forward the necessary response to my request and subsequently stated that the department received documents from me that I never sent. As a result it appears that the Loss Mitigation Department re-pulled old information and did not allow me to send updated documents clarifying information in order to properly conduct a review of my updated income and present a true determination. 
I am submitting this second complaint to CFPR because I simply can not sit back and let this company or companies continue this process of violating my rights and the Fair Debt Collection Practices Act, Section 2605 of Title 12 of the United States Code and the XX/XX/XXXX Federal Law requiring mortgage servicers to follow through with loan modifications before pursuing foreclosure action. As well I was never given a chance to submit documents XXXX Loss Mitigation Package ) nor complete a loan modification application before being denied.
XXXX from XXXX Texas in a case against XXXX and XXXX XXXX a.k.a XXXX, in the matter of a student loan continually roams the XXXX XXXX XXXX listings of XXXX names in a collection effort. For the past THREE ( 3 )! years I get the same call looking for XXXX and XXXX XXXX. Previous calls have come from many different States and Cities, once from XXXX XXXX. XXXX and XXXX are a XXXX listing. I am ready to document each caller and sue them for abuse, XXXX and XXXX having to been targeted illegally by XXXX XXXX XXXX.
My home was XXXX and fortunately I was able to sell it and pay the loan off in full. My closing date was XXXX/XXXX/15. I obtained a payoff from the attorney and have the confirmation of delivery in addition to them acknowleding that they had it and said they forwarded it to the mortgage company. They received the payoff in time. It was paid in full based on the payoff and Ditech has still not paid the loan off. They continue to pursue me via mail for collections and are now asking me for proof of Home owners ins. They actually owe me money because based on when the loan was paid off, it was over paid based on the good thru date and they owe me interest for those days. They also owe me money for the forced placed ins that the premium was paid in full for the year in the payoff and I did not use it for the full length of time. The via XXXX tracking # is XXXX check # XXXX for {$350000.00} sent to Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX