WillisBack/dataset-financial-user-claim huggingface dataset:
I attended  XXXX   XXXX   XXXX   XXXX ,  XXXX  through  XXXX ,  XXXX  and received my   XXXX   in  XXXX   XXXX   XXXX   XXXX  with a GPA of  XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that  XXXX  had a close relationship with employers, who had several training points that  XXXX  would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world.     I took out federal as well as private loans. My private loan amount, with  Peaks Private  Loans, totals {$11000.00}. I have been trying to pay off my loan for the past four years since graduation, with some forbearances in between, but my payments are never enough to catch up to the interest that accrued during my forbearances. I no longer have any forbearance left to pay and my income-based payment amounts are not sufficient to pay off any of the principal. I am drowning in debt and contacted regularly by Peaks to repay this loan which I deeply regret taking out.       The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge.   In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study.            XXXX   XXXX
XXXX lied and told me they offer internet services at my apartment in order to obtain permission to view my credit information. They do not offer internet, only telephone services, and no cable in my area and yet they still tell consumers they can receive their services before they request all your personal information. I tried to remove the fraudulently obtained permission from my credit report, which includes XXXX fraudulently obtained permissions to which XXXX hard credit inquiries are on my credit and affecting my score. XXXX refuses to correct the issue even though XXXX representatives lie in order to obtain sensitive personal information. XXXX will lie to you to obtain personal information and use it for their benefit because they will not correct their mistakes.
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment omXX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.
I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.
I recieved a credit monitoring alert from transition stating that I have a new collection from said company Midwest Recovery! I have never done business with this company or its client. I have never recieved notice about this account by mail. This company has never contacted me about this debt and I take no responsibility of such collection. By law this company was supposed to provide notification of debt and give time for me to dispute and ask for verification of this debt before placing on my credit file, especially because I am a victim of identify theft. I am afraid that this company has violated my personal rights by requesting my medical records from a facility with out permission. I take no responsibility for this debt.
Dear CFPB ; We are requesting your assistance with a formal complaint against Wells Fargo Mortgage 's unlawful business practices who have successfully foreclosed our modular home of sixteen years. XXXX while XXXX we were victims WF 's Predatory Mortgage Servicing practices by almost doubling my home payment. XXXX The OCC managed this action under the Independent Foreclosure Review Settlement and we were awarded in ( XXXX ) the home back in my name and ( XXXX XXXX ) {$2000.00} dollars. However, it appears Wells Fargo believes they can undo the description of the order or compensation. We however, believe oversight and direction is required from the CFPB before they consider removing my family from our home. Presently, we have just received a letter legal representation from the XXXX in XXXX, North Carolina stating we are to vacate the premises. The XXXX foreclosure was in XXXX while XXXX with the XXXX XXXX in the XXXX XXXX region and the XXXX XXXX XXXX XXXX. Recently, the Department of Justice found WF financially liable for selling my home while XXXX in the amount of {$11000.00} dollars. We have provided CFPB with the most up to date information and we are actively seeking legal representation. As a member in the XXXX my time is very limited and often away from my family. So we are absolutely requesting the very best from your organization. We do n't expect special treatment and or privilege as with our past complaint for SCRA protection during the CFPB assistance process. We are asking CFPB to submit our complaint to Wells Fargo why they undoing a settlement agreement. Moving forward once they reply to CFPB, we will gladly provide further details from their very own documents demonstrating unlawful business practices. Your dedicated assistance with this matter is greatly appreciated, as we look forward to your reply ... XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX
I have tried to reach out to capital one several times. When I first learned there was claims and charges being filed on my account I immediately called Capital one. Except then they decided to close my accounts. My identity was stolen as was my debit card. I am not a risk to the bank and would like this re reviewed as I had no idea at the time of these claims. I only learned after the fact. Now I cant have a checking account at capital one even though it isnt my fault.
I initiated the pay off of my auto loan on XX/XX/2016 via their website. On XX/XX/2016 the loan was officially closed. On XX/XX/2016 Chase pulled another loan payment from my checking account, via automatic payment, even though the loan was closed. It 's now XX/XX/2016 and I do n't have that payment returned to my checking account.
I spoke with XXXX ( XXXX ) who advised me that your organization is unable to negotiate a settlement on the debt because the account is in process to be sold to a Collection agency. I had him verify that it isnt sold yet. I then explained to him that ownership of the account still belongs to Capital One and this procedure makes absolutely no sense as you should have the power to determine what youd agree-upon settling for since the ownership of the account is still with you. I escalated the call, spoke with XXXX supervisor, whom I was unable to obtain her employee ID, who proceeded to reiterate the same information. 

I should not have to wait until you find a buyer for the debt in order to clear this balance off with you. I will be escalating this matter to the Consumer Financial Protection Bureau, stating my claim.
In XXXX 2014 I applied and was accepted for a XXXX XXXX Premier Rewards Visa Signature Card. I chose this card amongst others solely because the benefit of " Bonus Award Nights '' given the tradeoff of having a Hard Pull on my credit history and a {$75.00} annual fee due on my XXXX statement. Without warning, 6 months later XXXX XXXX and US Bank have pulled a bait and switch by removing the " Bonus Award Nights '' feature from the card, essentially wasting my Hard Pull and {$75.00} Annual Fee. This is bad business and not fair to the consumers thus I expect a fair outcome for everyone.
I have been dealing with an Ongoing Error In Payment History Reporting with XXXX XXXX listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. I have to file a complaint and contact this company almost every month regarding their errors. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX once again as of their last update as of XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXXto XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXX to his email of XXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgently need a permanent fix to this issue.
I spoke with the bank Representative around XX/XX/2017 to request a payout information for my HELOC ( Home Equity Line of Credit ). The bank representative never disclosed to me about any fees whatsoever. A few days after that I notice a {$25.00} fee assessed by the bank.
I submitted the attached letter to the servicer of my loan asking that they send copies of my trial period payment loan modification offers. I 've had XXXX offers that I 've paid on and the servicer had refused to make permanent. They are now also refusing to send me copies of the offers they made on ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) Attached are also copies of my payments made I have also requested other information which they refuse to provide without a proper objects. 

Thank you
Hello My name is XXXX XXXX. I have a lease with GM Financial account # XXXX. 
I have add several issues with GM Finacial reporting incorrect information during this lease. Now that I am towards the end of my lease and will not be getting another car with GM Financial due to them reporting inaccurate information and delayed responds on issues. 
-Currently they have my credit reflecting that I have Two Cars in my Name with them which caused me to be denied finance a home and a early trade in option. 
I only have 1 car which is a XXXX XXXX opened XX/XX/XXXX balance {$3600.00} -I recieved an alert that a new lease was open in my name as of XX/XX/XXXX This is unexecptable i have not open any new credit with GM Financial .
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXX XXXX  received a payment of {$62.00}. I called XXXX XXXX  on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including Equifax, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX  owing me {$45.00}.
Company called work phone number ; left a message that they were attempting to contact me before arrest warrant is issued on a debt that they contacted me about ; I do n't owe any payday company any money ; within XXXX minutes they also called my cell phone same message left with a callback number of XXXX
On XX/XX/XXXX a male XXXX salesman selling water filter system items. He then conducted his presentation of the company 's items for the amount of {$5000.00}. I told him that I did n't have those amount of funds, he then asked me if I was renting or buying this property. I told him buying, why? he stated that no problem his company have a finance company that will accept me all I have to do is sign the loan application, I accepted in signing for the a loan amount of the cost for a water filter tank & accessories numerous years past and the fee agreement never decreased, so I called Castle Credit Corp, and requested a explanation of as to why my loan has not decreased. the female agent refused to respond to my allegations, only stated " IF DO N'T PAY UP, YOU ARE GOING TO LOSE YOUR PROPERTY BECAUSE WE OWN IT '' I stated you 're joking, she No, do n't pay up, then wait and say goodbye to your property. I was so mad that I hung up. On this year XXXX, I choose to refinance my home, and everything was going fine, until they discovered that Castle Credit had placed a LIEN on my property under " HOME IMPROVEMENT '' section. I was not aware of that agreement, I thought a bought a water filter tank. I would NEVER use my {$190000.00} property to cover this transaction, I was scam that salesman, castle credit sales agent never mentioned it.
XX/XX/XXXX, I was approved for an Auto Loan through my financial institution ( XXXX ). After researching vehicles, I test drove a XXXX XXXX XXXX-I liked the vehicle. To give my choice consideration, an hour or two after the test drive I went back to XXXX XXXX XXXX XXXX, XXXX IL, XXXX ( ( XXXX ) XXXX ) : to begin negotiations. <P/>I settled on a price. After a drawn out process with the salesman, I was then taken to the Finance Manager ( XXXX XXXX ) who was inappropriate and unprofessional insulting XXXX and my loyalty to them. I rejected all offers for other financing options and refused to sign the loan application he had prepared befor I sat down indicating " I had to sign it! '' I DID NOT sign nor authorize XXXX XXXX or any other auto dealer to run or prepare a loan application on my behalf. XX/XX/XXXX I received a rejection letter from XXXX XXXX regarding a loan I had applied for. Loan application # XXXX. I called XXXX XXXX but they would not give me any information other than the car dealership name regarding this issue. I was told to contact the dealer. <P/>I am sure you can understand for the safety of myself and my family ; with regard the mechanical readiness of the purchased vehicle I refuse to do so. <P/>Furthermore, I also received a credit card for an AUTO purchase with a line of {$7500.00} XXXX dollars. This offer I discovered is from a XXXX XXXX. Some how this is associated with XXXX XXXX or the value extended to this organization. <P/>I have been the victim of TAX fraud in the past ; both my banks in the past week have upgraded and increased my security measures regarding my accounts : this is an indication my information is being compromised. <P/>Please I implore you to look into this on my behalf. <P/>Your interest is greatly appreciated. -- -- - Respectfully XXXX XXXX XXXX
Since XX/XX/XXXX, I've been trying to remove 3 fraudulent accounts from my credit report. To this day, the information keeps popping up in my credit report. Most recently, yesterday, XX/XX/XXXX. My credit report has a active fraud alert and credit lock. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX
After completing the loan rehab program with XXXX XXXX for 2 loans, my loans were transferred back to the Dept. of Education and Great Lakes Services started handling the loan so payments were made to Great Lakes as of XX/XX/XXXX. However, XXXX did not report the correct orig. principal AMOUNT and the FIXED INTEREST RATE on said loans. Additionally, Great Lakes created a new payment schedule on XX/XX/XXXX, at which time they failed to include the payments made on this loan to both XXXX XXXX and all payments made to Great Lakes during XX/XX/XXXX through XX/XX/XXXX, they calculated the payments based on a higher interest rate and a higher ( wrong ) balance due. I advised them of their mistake on several occasions and followed up to see if they corrected same, I also requested verification of the debt and the docs that XXXX provided when the loans were transferred, all to no avail. Great Lakes has removed all info re the payment history, loan history, and other important info from their website, and essentially restarted the loan and repayment plan with inflated figures - they basically inflated the numbers to increase their income and the life of the loan. Additionally, my credit score has been negatively impacted by Great Lakes mishandling of my loans and as a result of reporting the wrong information to the credit bureaus, i have been negatively impacted financially in a way that is not quantifiable, as I have been denied loans, assigned much higher interest rates for loans and credit cards, I have been overlooked for apartments due to the purported high balance due on my student loans - you ca n't begin to put a dollar amount on the negative impact this has had on my life.
I applied for Mortgage assistance with Carrington Mortgage for the second time on XX/XX/XXXX because my loan is in foreclosure and I am having trouble making the payment and getting the loan current. Before that I applied around XX/XX/XXXX and they came to decision and denied me because I did n't have enough income. I applied again on XX/XX/XXXX because my income changed. It 's NOW XX/XX/XXXX and I still have not had any progress with Carrington mortgage to resolve my issue. The normal process takes 30 days to reach a decision if they can help or not and I have n't got to that point yet because I 've been getting the run around. The issue I am having with them is that they keep asking for the same paperwork and documentation to complete their mortgage package. ( divorce decree, other borrower financial information, letters of explanation, etc. and they keep asking for a Quit claim deed from the other borrower who has no interest in the property since I was granted my divorcee. Also I was abused by the other party and there is a current OFP on file for the next 50 years that the other person can not contact me. I have talked to several employees and Supervisors about this issue and no one seems to know why they keep requesting the same information from me and keep opening and closing my file when they know my foreclosure date is approaching very soon. I have faxed, email, and uploaded everything they needed to start the process and I have not got anywhere. In Minnesota you have 7 business before the foreclosure date to submit a request for mortgage assistance and do to this issue I am concerned that I will not meet that deadline. My situation is complicated and I would like to explain in more detail in person or the telephone. Since I have started this process with Carrington mortgage I have suffered a lot of emotional stress, pain and anxiety because I have done everything I need to do to keep my home and I feel Carrington mortgage is not understanding to that. If possible I would like all the notes and phone calls pulled from them so someone can see in detail what I have been through these last 3 months. Please if you can help I would appreciate it. Thanks
Navient Student loans is a company that does not even try to help studentsehuch have been paying them thousands of dollars over a decade. U tried very hard to deal with them to reduce the interest of my loans but every time they say no we cannt help. There is no program whatsoever to help students that always have been paying their bills. Thousands of dollars over years. Every payment that I make goes towards the interest only. Only couple of dollars per couple months goes towards the principal. Abviously if I could make large payments to pay off I would. I have been dealing with a lot of health issues and the only thing they say is put on auto pay and you should be ok. 
Navient just takes and takes and takes from poor students and does not try to work with them.