WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. Experian and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX falsely stated that I had insufficient length of credit history. Experian falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX. I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined XXXX and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX XXXX and Experian and requested they cancel my order and decided to file a complaint with CFPB.
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.
Repeatedly called on my cellphone stating I owe on a credit card with XXXX. Informed associate I have never done business with XXXX and was then informed the debt belonged to another name. The other name happens to be my sister whom also has never done business with XXXX.
On XXXX XXXX XXXX paid XXXX XXXX XXXX XXXX XXXX using his XXXX with bank of america. Vendor has dirty hands engaged in a pyramid scheme. There was no contract. Vendor is a pyramid scheme which bribes new customers to bring in new customers. Pyramid schemes are illegal. Vendor admits it does not know what it offers because vendor does not monitor what it has allegedly to offer. Vendor claims it has all courses and all tests. In fact materials proffered are stolen from third world dictionaries and encyclopedias in XXXX and other third world countries. Because vendor has nothing to offer but materials it steals and plagiarizes, XXXX got nothing at any time. 
Bank of America XXXX XXXX refuses to dispute this charge and timely credit because he accepts there was a contract. Instead of dealing with issues, XXXX keeps misrepresenting that he did not get responses to questions he sent XXXX when he did get the responses from XXXX because cfpb forwarded XXXX 's responses. 
XXXX requires boa to credit or XXXX will sue boa but for sure XXXX will not keep answering these same questions over and over. help me get permanent credit NOW.
I have two Federal student loans currently being serviced by Nelnet with a combined balance of approximately {$120000.00}. The balance on these loans is higher than it should be for the reasons discussed below and I have so far been unable to resolve the issue with Nelnet directly. In 2014, I sent a recertification form to Nelnet by fax to renew my Income Based Repayment Plan ( IBR ), which is required to be renewed each year. A few weeks after sending it however, I received a monthly statement showing that my student loans had been switched to a Standard Repayment Plan instead. When I called Nelnet to ask why this had occurred I was told that they had not received the recertification paperwork and that I would need to resubmit it in order to get back on the original IBR plan. I did resubmit the paperwork and it was eventually approved. However, on XXXX XXXX, 2014, Nelnet incorrectly capitalized {$4500.00} of accrued interest as a penalty. This penalty should never have been levied since I fulfilled the requirement to send the recertification forms on time and I received a confirmation by fax that the documents had been successfully received. Nelnets employees either misplaced the forms or failed to record them properly in the companys computer system. Even so, Nelnet has yet to reverse the {$4500.00} interest capitalization. Even more egregious, the telephone assistant at Nelnet who discussed this issue with me at the time recommended that I apply for a Forbearance so that I would not have to make a monthly payment until my resubmitted IBR recertification had been approved. What she failed to explain to me is that by requesting a Forbearance, all of the remaining accrued interest on my outstanding student loans would be capitalized, resulting in the loan balance increasing by {$12000.00} and interest expense increasing by nearly {$900.00} per year. Had I been informed properly I could simply have made one monthly payment to avoid this additional {$12000.00} in capitalized interest. However, I was not given this information. Instead I was given the bad advice to proceed with a Forbearance even though this course of action was clearly not in my financial interest. The representative who instructed me to do this obviously did not understand the consequences of filing a Forbearance and should not have been placed in a position to advise borrowers. Over the life of the loan, this will cost me approximately{$17000.00} in additional interest and is the direct result of poor training given by Nelnet to their customer service employees. Nelnet has so far refused to take responsibility and reverse the capitalization.
I have had an account for ten years with XXXX XXXX XXXX which was bought out by Capital One a couple of years ago. I have always made my payment on time and done so by accessing my account via the internet. 

Last year ( XXXX ) I filed bankruptcy on a company that I had, but did not include my XXXX account for several reasons ; 1 ) I have the motorcycle with a small balance I needed to keep, and 2 ) There is a co-signer on this account. 

This account was started with the purchase of my motorcycle ( XXXX XXXX XXXX ) and for some reason it was put on a credit card with an additional {$10000.00} credit limit. I never did understand why it was done this way. 

During and after my bankruptcy last year, I have continued to make my payments! 
Sometime around XXXX of XXXX I was no longer able to access my account via the internet, nor have I received any statements regarding my account and have not idea how my payments are being applied. 

I have called them ( Capital One ) every month and all I get is the same none sense. Basically, No one seems to know what is going on. I was finally given an email address to send my request to ( XXXX ) They have refused to give me the payoff amount on my motorcycle of witch they have the pink slip and refuse to cooperate in any way other than they to seem to have no problem cashing my checks. 

I look forward to your help! 

Sincerely, XXXX XXXX
Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date
They call me from several different phone numbers but it is the same company. They call about every two hours during XXXX-XXXX. As soon as I put a block on one they call me from another phone number. I have asked for them to stop calling me as I work XXXX and every time they call they wake me up. On the calls that I disregard there is no message left on the voicemail.
This company for which I paid off XX/XX/XXXX is reporting as of XX/XX/XXXX that I owe the amount of XXXX. They should not still be reporting this since this account was paid and the amount should be XXXX. 

STANISCCONTR COLLECTION/CHARGEOFF Other {$730.00} Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
On    XXXX   XXXX   XXXX  ,  I took out a student loan with  XXXX . In  XXXX   XXXX ,  XXXX  reported it as delinquent and threatened to sue me. After a written request to cease harassing communication in  XXXX   XXXX ,  XXXX  did not communicate or attempt to collect the debt. On  XXXX / XXXX / XXXX , my credit report reflected the negative account as being due to drop of my report in  XXXX   XXXX . On  XXXX / XXXX / XXXX ,  XXXX  issued a  XXXX  With event code H for this loan. From on or abou  XXXX   XXXX   XXXX   until  XXXX   XXXX , I have had a  credit score in  the mid to upper  XXXX .     In  XXXX   XXXX ,  XXXX  assigned the loan to  XXXX   XXXX .  XXXX  refused to accept the loan. On or about  XXXX   XXXX ,  XXXX  sent the loan to a collection  Agency  called  XXXX   XXXX   XXXX . On or about  XXXX   XXXX ,  XXXX ,  XXXX  reported the debt as delinquent to the Credit Reporting Agencies showing that  XXXX  closed the account in  XXXX   XXXX , and that the delinquent report will not be removed until  XXXX .     From on or before  XXXX   XXXX ,  XXXX ,  XXXX  has failed to provide any means of communication re : student loans and referred all inquiries to  XXXX . On  XXXX / XXXX / XXXX ,  XXXX  denied accepting the loan,  XXXX   XXXX  denied unlawfully reporting the loan to the credit bureaus, and  XXXX  has failed to provide any method of contact to resolve the issue.     The debt is time barred and has never been revived under any section of law. The debt was to be removed from all credit reports no later than  XXXX   XXXX  under the law.     At this time,  one  or all  XXXX  companies appear to be in collusion to avoid liability for unlawful practices under the FCRA. One or all  XXXX  companies have failed to provide any means to dispute the unlawful negative report.
I have a  Citi Aadvantage  credit card with  XXXX  active balance transfer accounts.   Offer #  XXXX  with 0 % interest unti l  XX/XX/XXXX a nd Offer #  XXXX  with 1.99 % interest until   XXXX  . I have been paying more than the minimum balance so that Offer #  XXXX  with 0 % interest would be paid in full by   XX/XX/XXXX  ;  however,  Citi  used the amount over the minimum balance and applied it to the 1.99 % balance which expires in    XX/XX/XXXX  .  I called Citi customer service at   XXXX   and spoke with  a man  ager na med  XXXX  who refused to work with me and said they were compliant with CFBP rules. I was not aware this would be the case and it is an unfair and most disadvantageous way to treat any consumer. When I first made the balance transfer, the paperwork stated that the amount would be charged 0 % until     XX/XX/XXXX  an d thereafter the balance would be subject to the regular 16.75 %.  Tye  are forcing me to pay the higher 16.75 % on a balance of over {$4000.00} which I have already sent them payment for but they applied to a newer balance.     Does n't this practice go against the CARD act? Please help.
I have a HAMP loan and received a letter in XXXX informing me about a {$5000.00} incentive that had been applied to my XXXX. An offer to modify was also included. I signed and mailed it. In XXXX I received the enrollment paperwork via XXXX. I thought I was ineligible because my XXXX payment would be late ( I am a XXXX on a XXXX ). I called Seterus to inform them of the late payment, and was told I qualified. I signed the enrollment and sent it in the XXXX envelope Seterus provided. I was given a new payment amount, told that when modifying one month 's payment is skipped, and that as long as I made the new payment by XXXX/XXXX/16 I would be current. I made that payment. On XXXX/XXXX/16 I called to confirm receipt of the payment, and was told it was the incorrect amount, was being held in suspense, and I was behind. I made payment arrangements and continued to follow up with phone calls. Since XXXX, I have spoken to 5 reps and 2 managers. Two reps told me I was current and the lower payment amount was correct, 2 told me that was wrong, the 5th rep told me both in the same conversation. The managers told me I was behind and refused to let me speak with a superior. I 've incurred late fees, an inspection fee, and received delinquency/foreclosure notifications. On XXXX XXXX I went onto Seterus 's website to check that an automatic payment had been made. I also downloaded all of my 2016 statements except for XXXX, which was missing from their site. I called Seterus to request a hard copy. I have not received it. I have more specific details and documentation, including all written correspondence I received from Seterus. The character limitations prevent me from providing those details here, but I will enthusiastically share them.
Seterus continues to harass me and while I have asked for legal verification of their role as a servicing company to my mortgage and also legal documentation of Fannie Mae 's ownership of the loan, they have provided neither. I 've received hundreds of pages of documents and the only related thing was from XXXX which XXXX does not own the loan and also was n't able to provide the same documentation I 'm asking for now.
As I was searching for mortgage options, I discovered XXXX, which is managed by Supreme Lending. After being contacted by XXXX XXXX out of Colorado, we talked and he told me that I would qualify for a home mortgage of up to {$150000.00}. The biggest question was " after deferment, how much would your student loan payment be? '' After getting the estimate from the generator on studentloans.gov, i gave him the approximate and he said it would be fine and I was credit worthy. Excitedly, I shopped around and found a house for {$130000.00} ( well below his recommended. After contacting him, he consistently told me he 'd get back to me to get more information, and often did not reach me for a week. After finally getting ahold off him, he asked for the student loan information and the number given after getting this years AGI was less than projected, which is good. However, he did not explain that since the loan was in deferment that they will count 1 % of the loan, which is substantial. He did not clarify this two months earlier when we were talking about this. After trying to talk to him and suggesting I just consolidate the loan, he just stated that I gave him wrong information and that he does n't get paid on loans he ca n't close and that I should find a bank in the area that will due it in a month. We were already discussing repairs and now I am out my earnest money because he does not communicate. Thanks Supreme Lending!
My actual issue was not listed above, however what happened was that I was sending small payments to XXXX XXXX. That was n't good enough for them so they turned my account over to North American Credit Services. When I finally sent written communication to NACS attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, NACS completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that NACS has now turned my account over to an ATTORNEY, XXXX XXXX XXXX XXXX Offices in XXXX, XXXX, acting as a debt collector on their ( NACS ' ) behalf. NACS DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should NACS had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from NACS. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When NACS refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of North American Credit Services ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!
I have been attempting to cancel my experian credit tracker account for two days. To cancel my account requires a telephone call as experian will not allow cancellation by any other means. I have been on hold for over three hours on each call I have made. There is no option to speak with a live person. There is also no information during the call that I am in line or how long the wait time will be. Its fairly clear that this is a common issue based upon an internet search of Experian where hundreds of people have reported the same problem with average wait times of 2-4 hours. My call have been placed on XXXX and XXXX. I am currently on hold as I type this. I have been on hold again for 40 minutes. My Membership ID is XXXX.
While living with my mother in she opened an account on XX/XX/XXXX for services from XXXX for the apartment, I did not know at the time but she used my name for the account. The last payment was made in XX/XX/XXXX by her. According to the credit agency the last bill was sent on XX/XX/XXXX. 
The total amount for the bill is {$1100.00}. 

In XX/XX/XXXX we both moved out to separate locations. I do not know if she cancelled the service or not as I was not aware that it was in my name.
I paid off my medical collection, what I got because some person in medical ofgice did mistake. I got the bill. I cslled up to original collector, find out more about this bill. Lady at ofgice, said, sorry it was mistake, you are fine. Font have to pay anything. 
So I did not. 
After months I got letter from collection company! 
Iagreed pay. What I did, they promised re.ove the collection from report, and it not really happened. They removed it from XXXX but not from all credit analysis companies. 
I called again, no answer, they never called back.
A representative from Lockhart, Morris, and Montgomery named XXXX, called and said that I owed XXXX XXXX XXXX  for not completing a contractual agreement. I resigned driving over the road because of lack of home time, which XXXX said they would schedule and did only twice in a four month period, and poor treatment of staff. The agreement was for a total of XXXX miles of driving. There was a {$5000.00} penalty for not completing and I incurred a ticket for {$6000.00} which payroll deductions were being made. The debt collector added a {$2500.00} fee which I could not agree to pay, I believed it was an excessive amount and could not remember seeing that amount in the original paperwork. I refused to agree to anything which included this fee. The amount taken through payroll deductions reduced the debt to around {$10000.00}. XXXX told me that if a paid roughly half, {$5000.00}, he would waive the fee, not report this to the credit reporting bureaus, ( XXXX, XXXX, and XXXX XXXX ), and schedule a payment plan of {$120.00} a month.The {$5000.00} was paid on XX/XX/XXXX, of  which {$3000.00} I borrowed from a friend. On our next communication, XXXX said that I only had 10 days to pay the rest of the amount. I told him that I did not have that amount and demanded my money back, at least the {$3000.00} that I borrowed from my friend since he would not honor what we had previously discussed. He refused to do this. I told him that all I could afford was {$120.00} a month or he could wait for the court outcome for the {$6000.00} ticket which was being litigated. I then receive an alert from a credit reporting service that an amount of {$7800.00}, this includes the {$2500.00} fee, was reported as in collection to XXXX, XXXX, and XXXX XXXX as of XX/XX/XXXX and again XX/XX/XXXX. They also did a credit inquiry on XX/XX/XXXX which I did not authorize. I also told XXXX not to call me before XXXX and he made at least five more calls after this request.
On XXXX/XXXX/XXXX my wife spoke with the manager XXXX XXXX and authorized XXXX XXXX to submit a credit application to XXXX XXXX XXXX XXXX XXXX XXXX on my behalf. She specifically communicated that my credit was not to be shopped around or submitted to multiple banks without either of our authorizations. Further, the authorization given by my wife was only to use XXXX because she was keenly aware that Equifax was still reporting inaccurate information on my report that would result in a denial. 
I have already spoken with the finance manager, XXXX about the unauthorized inquiries and he attempted to make me complacent with the inquiries by telling me their impact will neutralize after 90 days. I do not feel this is fair, being that I did not authorize them to submit my credit to so many institutions. My wife wrote the general manager an email expressing her concerns about the unauthorized inquiries but he did not respond.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, and possibly more resulting in a data breach in XXXX/XXXX 2017. They confirmed that I was affected by their " Potential Impact '' site www.equifaxsecurity2017.com They have put myself and millions of others at risk of identity theft/fraud.
USAA FSB has restricted my account access online. They say it is due to a previous charge off with a USAA credit card - discharged in XXXX. I am told they are no longer attempting to collect on this debt but since it is a loss on the bank, it is " policy '' to not allow me to access my checking or insurance accounts. Insurance policies are not easily changed and are long term. When I ask for access, they give me a mobile website access for the day, then lock it once more. From my perspective ( and any reasonable person ) USAA continues to try and collect this debt to the level of harassment - and impedes my activity even with other divisions unrelated to the banking. Secondary, they place holds on every deposit for XXXX days, etc. all claiming to be " within policy ''.