WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm in a double situation of annoyance. I was a previous student of the XXXX XXXX of XXXX. A company that was sued not that long ago for fraudulent activities and recruiting low income students in order to take out more loans than needed. On top of NOT being accredited, it made it significantly difficult to transfer credits to a better/reputable school. The credits themselves do n't even transfer to their OTHER XXXX branches. Forcing students to take out more money for classes because they credits could n't transfer over to schools within the same company. My loans were being handled by XXXX XXXX now Navient and it 's a nightmare. I ca n't afford to pay my loans off. They have absolutely no kind of payment plan that is affordable. When I had tried in the past to explain that I do n't have {$500.00} a month because what should I do? Not eat? Not pay rent? They hung up on me. When I called back the woman only wanted to speak to me if I could pay their price. I keep submitting for forbearance because I can not pay. What makes it worse is that my degree is considered useless. I could barely find employment in my field. Their graduation was a huge joke because all their graduates were supposed to have a showcase for recruiters show up. Not a single recruiter showed up for ANY department the students were in. I ca n't afford to go to another school and get a BETTER education from an accredited place and am stuck with XXXX worth of debt until probably the day I die. I find this extremely unfair that everyone was aware of the XXXX XXXX 's shady practices, SUED them and not a single student of that school that was a victim of their shady practices saw any kind of benefit. Now XXXX/Navient is being sued for the same nonsense and what will come out of it for me? Does my debt get abolished? Will I get my credit back to a decent place? Will I receive money to go to a new school? I hate that I did the right thing by trying to get an education only to end up misled and scammed by BOTH of these organizations. I 'm XXXX and have to pretty much START all over again in education paying desperately out of pocket for classes here and there because I ca n't afford to take out anymore loans to attend a school. Not even a community college.
I was working with Guild Mortgage back in XXXX, XXXX to buy my first home. I had already been approved when I was asked by the lender if I wanted to either close before XXXX XXXX or prepay my taxes in order to qualify for the homeowner 's exemption that would reduce my overall taxes. The lender explained that either way, I would get the exemption and most of my pre-paid taxes would be returned to me at the end of the year when the tax bill came out, as I would be essentially double paying with both my prepayment and my escrow fees. The lender even called my mother to encourage her to loan me the money for these upfront tax payments, which she did, telling her the same thing. We closed on the loan and I moved into my first home. Then in XXXX, I got the tax bill with no homeowner 's exemption. When I called the tax assessor, they told me I did n't file the form before the XXXX XXXX deadline, so there was no exemption, and that they had never heard of anyone getting this exemption by pre-paying. When I tried to resolve this issue with Guild, they told me I had " misunderstood '' and that at no time did they ever say I would get the exemption, and that I prepaid in order to get lower taxes. None of that is true. I have essentially paid twice for the same tax bill, and I believe I am due the money back that I borrowed from my mother and paid up front.
Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In 2013, XXXX Bank illegally offset my XXXX bank account when conspiring with their affiliates XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested XXXX Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, XXXX Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against XXXX Bank.
Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND XXXX XXXX requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from XXXX XXXX XXXX : : XXXX : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX EXPERIAN : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why XXXX XXXX rejected over 80 payments from XX/XX/XXXX through XX/XX/XXXX.
Chase has reported my home loan as paid XXXX balance included in my bankruptcy. My home loan with chase was excluded from the bankruptcy. I make monthly payments and have never been late & I have a loan balance. How can they report a XXXX balance and that I have not make a payment since 2013 when I send them a check every month.
Capital One is who I have the complaint with. I have reported them to you in the past also. 
I have XXXX credit cards with them, they refuse to help on these major issues : ( I just lost my job XX/XX/XXXX, keep this in mind. ) Lower the interest rate, even though I have had their cards for a minimum of 5 years. 
This is really not fair at all, considering I am never late, and I lost my job, I can not believe that they flat out refuse to help in any way, shape or form. They told me " some card holders have that offer, to lower the interest rate and monthly payment '' Some????? 
All of their customers should have that available to them! That is ABSOLUTE DISCRIMINATION TO THEIR CUSTOMERS. I can not believe that they are legally allowed to help some customers that lost their jobs and not others! This is absolutely ridiculous and should not be allowed to continue. And it should not be considered an offer it should be flat out across the board for ALL OF THEIR CUSTOMERS. 
Their " young kids '' that they hire are NOT trained at all. I was told XXXX different stories of a department that may be able to help people that lost their job. Someone told me they were in that department over this past weekend of XX/XX/XXXX. Then when I called back, a rep told me that no one in that dept works on the weekends! So, I was evidently flat out lied to and deceived that she actually worked in that department.. 
I was told on XX/XX/XXXX from a rep that she would give me a courtesy credit of {$35.00} because of my dire circumstances. I called the next day, there is no record of this on my account, and since they helped me in the past, they absolutely would not help again. 
I want that conversation listened to because they absolutely deceived me! Cap One should be fined for all of this deception to their customers! I have some very high interest credit cards that have a hardship program, of lowering the interest rate and the monthly payments and suspending use of the card for 6 months. That is a very reasonable way to help a customer in my situation. And Cap One, a XXXX dollar corp has nothing like that to help us. And they outsource their workers to other countries, I hope they get taxed like crazy from that. I NEED A JOB, AND THEY CONTINUE TO OUTSOURCE! 
I WANT THE SAME '' OFFER '' THAT THEY GIVE OTHER EARLY ASSISTANCE CUSTOMERS AND i WANT IT ASAP, ON ALL XXXX OF MY CARDS.
Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt. 

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Hello I recently was looking at my score through XXXX today on XX/XX/XXXX and noticed it had way to many hard inquires. There should be about 7 total for some reason there is more. The odd part is the last 3 months it says I have 3 inquiries. I called XXXX customer service they said they can not tell me what these Inquiries were but to write letters and explain you did not authorize or sign anything in the past 6 months for any Inquiry 's that they would remove them once they looked into it. 

I did not make any Inquiry 's since I bought something summer of XXXX at XXXX XXXX ( XXXX XXXX XXXX was opened ) anything after that is inaccurate and I would kindly ask to be removed from file and whomever is giving that report. As it is not accurate.
They claimed I owed a doctor. I paid them ; gave them my routing number and checking account. They said they would remove the debt from my credit history. I did not check ... 

They said I would receive an email. No email. So far, no money taken out, but now I am subject to identity theft. 

Company is Midwest Recovery, and they can not be reached.
Hello, When I was a XXXX in XXXX XXXX, before my XXXX birthday, my XXXX XXXX   signed me up for a XXXX level class that I took online. Years later, I find the debt for the class on my credit report and am receiving bothersome calls from the collection agency. I never signed an agreement, but even if I had, I wasn't old enough to make an agreement to pay. I was in the public education system and I wouldn't have been able to consent to paying for a class. The debt collector is calling me constantly, has never provided any proof that I needed to pay or consented to pay for a class. I thought my school would pay for the class. My parents never signed an agreement either. Please help me if you can.
Promotional material s from Synchronicity Ba nk stated the annual fee for a "  XXXX   XXXX   XXXX  '' would be waived for the first year. The first billing statement, however, charged mea a  XXXX  fee. This is an obvious attempt to collect a fee which is undisclosed in the hope the consumer will not notice.
It is with disdain that I write again to the CFPB in regard to the non reporting of my mortgage to the credit bureaus, by Wells Fargo. I called and spoke with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( whom stated he has over 10 years of service ). Yet chose to conduct himself in the most unprofessional manner that I have come across and XXXX XXXX as well. My point of contact XXXX XXXX has failed to return calls and or email messages. In speaking with all representatives concerning this matter I was met with, combative, unprofessional, abrasive and confrontational attitudes and behaviors by all with the exception of XXXX XXXX. Additionally I have sent several messages to XXXX XXXX as well, whom chooses not to return my calls and or emails. This is protocol with the executive offices and with this latest correspondence, I have forwarded this email to the Executive offices in hopes of receiving a response, yet not one has yet reached out. Additionally, I encourage the CFPB offices to pull all calls placed to the executive offices by myself, for the past week and a half. This so you can absorb the full scope of what goes on in the executive offices on the daily basis.
Just recently my husband and I were contacted by loan officer XXXX XXXX XXXX who works for Freedom Mortgage Corporation. He recommended that we refinance our home since interest rates are at an all time low. My husband asked XXXX XXXX what the closing costs on our end would be since we have not really saved for a refinance at this time. He explained that there would be no closing costs since Freedom Mortgage currently holds out loan. My husband then continued to explain that when we built our home with XXXX XXXX that we opted to take a higher interest rate to not have PMI. He asked XXXX XXXX if by refinancing we were now going to have to pay PMI. XXXX XXXX said no we would not have to pay PMI and there would be no closing costs for us. So at that we decided to go forward with the refinance. After submitting all the necessary paperwork required we were approved for the new loan at the new rate. XXXX XXXX sent us all the paperwork to sign electronically which after careful review and seeing indeed there was no PMI and no closing costs to us we signed and submitted the paperwork. Not long after we submitted the paperwork we received an email from XXXX XXXX the loan processor stating that we do indeed need mortgage insurance. I explained to her the situation and she said she would reach out to XXXX XXXX. After weeks of trying to get in contact with XXXX XXXX he has not returned any of our emails. The only thing we received from XXXX XXXX are new documents to sign which show that we now would owe over {$4000.00} in closing costs. He has had no contact with us and refuses to return any form of contact or answer our questions.
On XXXX a message was left on my voice mail from XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX treating me with XXXX and issuing a warrant for my arrest and contact him at XXXX he left this same massage with my brother and at my place of employment I called back and said he was calling it regard debt from check into cash comapny from 2009. I inform him that the treat of criminal charges was again fair debt collection practices act and i was going to file a complain with cfpb and the state attorney. he reply said that the FDCPA doesnt applied to him because he is a lawyer. then is started to be rude and calling XXXX that i was thief and hang up phone. Then 2 mins later he call me again that contact someone at my work. I inform him that the law in state of California was protecting me and i did n't do anything criminal. the he starting to treating again claiming i was going to me arrested that evening and he can call me from any number and that he can said what ever he wants all that he was being verbally abuse calling XXXX and listen you XXXX, and using XXXX XXXX XXXX and XXXX XXXX that there was nothing i could do. i told him i was going to file a civil complaint and hang up the phone.
I opened Discover checking account and saving account in 2013. I used them as my main banking accounts and have XXXX in Discover bank. However, I received a mail said that my accounts will be closed on XXXX XXXX without any reason. I called their custom service but they just transferred me to an auto telephone recording machine. The custom service could not find anything wrong with my account after his research. Such bank closure brings me a lot of inconvenience, and I think it is really unfair.
My Student Loans from XXXX and Navient are almost at XXXX and I only have an AA degree. For years, I tried to make arrangements with my leander to make affordable payments but I was always talked into being on a forberance program. Because of this the interest on my loans have been astronomical and almost fabricated in my opinion. My desired resolution is for my loans to be completely forgiven because I have been taken advantage of for years. They would ask me for XXXX monthly payements due to interst. this has affected my credit etc for years.
An old mortgage is listed on personal credit file inaccurately. Several times this item was disputed and nothing has been addressed with the creditor and credit agencies. I am requesting your firms help to resolve this matter. A couple things, XXXX and XXXX list 120 days past due which is inaccurate as this account was paid and XXXX also list a payment of {$8100.00} as the payment amount which is inaccurate also. I do not agree with the XXXX and feel this company does n't even have records to support the inaccurate data listed. Please help assist me
XXXX XXXX closed my account in XX/XX/XXXX. Since then, I paid off the account for an interest fee after I paid the final balance. XXXX XXXX continued to report a late fee for this interest charge post account pay off and closure for 4 months. I disputed this fee with XXXX XXXX and the Credit Bureaus. However, this remains on my credit report. I am a responsible person and this is not a reflection of who I am and how I pay my debts. When you get a statement from a creditor, and you pay the entire balance, it is unfair to see another bill come with additional fees that should have been included when you pay the balance. 

I would like for XXXX XXXX to clear the late payments reported to the credit bureaus. This is keeping me from having a credit score worthy of a buying a home. Considering I pay consistently and on time with all of my other creditors.
I am writing to dispute the inaccurate data being reported on my credit report, referencing account number XXXX by XXXX XXXX XXXX 
How it should report / Why it's inaccurate : I am disputing the below collections on my credit report, because I have verified with XXXX XXXX XXXX and with XXXX XXXX XXXX XXXX that these bills were never billed to my insurance company, XXXX XXXX XXXX XXXX within the timely filing window. I am not liable for this debt, and these accounts need to be removed from my credit report because they are being falsely and accurately reported as my liabilities to pay. 
$ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Supporting documents have been enclosed, which is a snapshot of my bill from XXXX XXXX XXXX, account # XXXX which show that my {$1700.00}, {$100.00}, {$79.00}, AND {$66.00} charges were not billed to my insurance company. 

Additional info : I called XXXX XXXX XXXX XXXX on XX/XX/18 at XXXX, and verified with representative named XXXX via XXXX that XXXX XXXX XXXX is an in network provider and did not bill XXXX XXXX XXXX XXXX for this claim, until XX/XX/18 which is outside the timely filing window. 
XX/XX/18 : Spoke with XXXX from XXXX XXXX XXXX XXXX, at XXXX XXXX via XXXX and confirmed that they declined the claim since it was filed outside of the timely filing window. Sent me via email my EOB which shows I am not liable for this debt. I also received a copy of the claim that was submitted late by XXXX XXXX XXXX which was denied because they filed my claim outside the timely filing window. 

I attempted to follow up with XXXX XXXX XXXX and was told that despite the above info, in order to remove the debt from collections, I would have to pay the debt, according to XXXX with XXXX XXXX XXXX. See below correspondence : " From : Billing Questions XXXX To : " XXXX '' XXXX Date : XX/XX/2018 XXXX XXXX PST Subject : RE : Request from XXXX Account # XXXX Dear Sir/Maam, Our office has received the attached email concerning your account inquiry. To have the account removed from collections, the charges must be paid first. Please reply to this email or contact our office at XXXX ( XXXX ) XXXX with any further questions or concerns. Thank you for your attention in this matter. 

Sincerely, XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX ''
I sent in a payment for 50 % of my outstanding balance ( {$9300.00} ) in XX/XX/XXXXof XX/XX/XXXX because I noticed that my credit score with XXXX had gone down significantly, and the reason given was slow reduction in my loan balances ( I had just taken the loan out when I bought the car used, with 50 % cash down, in XX/XX/XXXX, and only had a 36 month payment plan ). But I know that, while the CFPB has decided not to investigate XX/XX/XXXX, they and the other credit bureaus are like the XX/XX/XXXX. So I addressed the issue by sending Volkswagen Credit USA a check for {$9300.00}. 

What VW Credit did was to slowly apply this against my future payments for the next 15 months, rather than applying it to my balance without ever asking me what I prefer. Now, I concede that I could have noticed that I was not getting autopay withdrawals anymore. But frankly, I scan my accounts for things that should NOT be there, not things that SHOULD be there. 

I think that given the way almost any other loan I have experienced in my life, it would be a very reasonable assumption that the check I send would be applied against my balance. It was not, although the funds were removed immediately from my account. Thus, VW Credit US had full us of my funds for a year, while I did not AND continued to charge me 5.24 % interest for the privilege of them holding my cash. 

I have spoken to a supervisor there, and the " best '' they can do is to apply a {$50.00} credit towards my account ( I had to specifically ask them to apply it to my principle. They were unable to do more because they " did not make an error. I could have told them how I wanted it applied ''. My calculations show that this has cost me approximately {$340.00} in interest over charges.
Wells Fargo is my mortgage company for my home. I have been a loyal customer for years and have never been late, until recently. I got 2 payments behind and they refused to take my payment to become current and immediately started the foreclosure procedure. I applied for a modification ( where the back payments would just go onto the balance and I could resume payments ) but they refused that too. My home is under water and is not worth the balance. Wells Fargo will not make any profit by making me homeless. I need help. I wish to stay in my home and resume payments. 

Thank you.
I just got call from Columbia services / they did not disclose reason and any right to dispute and were asking sensitive personal information without disclosing themselves