WillisBack/dataset-financial-user-claim huggingface dataset:
I attended XXXX on two separate occassions. One location in XX/XX/XXXX and it was mysteriously shut down, re enrolled in the " new location '' in XX/XX/XXXX and school was also shut down. We were told the school was closed due to lying about credits being transferable in which I found out to be true from not being able to transfer my credits. For not being able to hold up on their end promising job placement which in my situation never happened. Now my student loans which were initially XXXX XXXX but are now with Navient are constantly adding up due to interest. They are negatively impacting my credit scores all due to them funding a non accredited school. I have since lost my merit with my employer due to a credit check and ca n't qualify to purchase a home because of the negative reporting from a few years ago. The balance is now under {$8000.00} but I am slowly repaying a debt that I should n't be responsible for since this school was clearly not accredited nor accepted by employers. I have spoken with Navient on several occasions but the most I 'm ever offered is deferment payment status. I was never told by Navient nor XXXX that most students that attended that school was having their student loans dismissed. No representatives ever shared with me that would have been an option for me. It is now XX/XX/XXXX and I have experienced this nightmare of student loans for almost 10 years. I am afraid when it is time for me to return to school this will prevent me from being able to qualify for a loan if needed and that if not removed or negative remarks removed from my credit report it will also prevent me from obtaining a much needed promotion.
We are an existing customer of Ditech for our home mortgage. In XX/XX/XXXX, we refinanced, via HARP and had over {$500.00} taken off our monthly payments. So we just closed one loan account and opened another within the same company. After 6 months, the Escrow Statement came and we were {$4100.00} short in the escrow account. This is impossible since we had almost {$8000.00} put on top of our mortgage when we closed on the new loan, {$3100.00} of which was allocated to the escrow account. We started calling the company in XX/XX/XXXX to have this corrected and have the escrow account analyzed and rerun. This did not happen and we got another escrow statement and now are short {$3500.00}. We also found out that our XXXX for our taxes were underreported in XXXX because at closing Ditech paid our township taxes as well as the Title Company. The town kept the monies and just kept moving it forward. However, since Ditech did not pay the entire tax amount, the XXXX is short one quarter worth of taxes - {$2000.00}. To this day we are still short that money. We called days in a row, starting on XX/XX/XXXX, one day 5+ hours on the phone going over the tax assessor information and payment history for the new loan. When the loan was closed on XX/XX/XXXX, {$3100.00} was put in the escrow account. On XX/XX/XXXX, the money was taken out of the account, putting the escrow at XXXX!!! The description next to it says " - {$3100.00} XXXX  Esc to Mortgagee Dis. '' Rep after rep and supervisor after supervisor and no one will help us resolve this. We finally got a supervisor, XXXX XXXX XXXX to give us her e : mail address so we could send the payment history from our township tax assessor and she had told me that she definitely saw the problem and would help us fix it once she reviewed the tax document. As of this date and sending 3 follow-up e : mails to her, we have not heard anything back from her. If we call the XXXX number again, we would have to start from scratch and explain the issue and it's quite complicated unless you have reviewed all the documents. As soon as we explain there is also a tax issue, without the customer rep even saying hold on, we are immediately transferred to the tax dept. that can only verify the payments that have been made to the mortgage and that's it! They can not speak to the escrow, or the gross mistake that was made as soon as the loan was closed. Also, it was explained to us, at the closing, that we would not be starting the 30 year clock over with HARP, that we would just be flipping the loan where we currently stood, which was at 20 years. Not only are we paying more, we started the clock over for 30 years and had {$8000.00} charged in closing costs, put on top of our mortgage and NO ONE at Ditech can tell us where that money went, especially the amount allocated for the escrow. The $ XXXX monthly savings for our mortgage is creeping back up to that exact amount and the hours of time spent refinancing, stress trying to get it fixed was not worth it at all. At this point, we don't know where to turn to get this resolved. Please help us to get our account corrected.
I was charged late fees on more than one occasion and no one seems to want to remove this issue in a timely manner. 
About 2 billing cycles ago, I went into the walmart store to make a {$25.00} payment on my walmart credit card. I did n't have the actual statement with me but since my previous minimum amount due was {$25.00} that is what I paid. The next month I realized that my payment was actually {$4.00} shy and I was charged a {$35.00} late fee!!!!!! I immediately contacted customer service to complain and was told that the late fee would be removed. That said, I made my normal payment on the due date and was charged ANOTHER late fee. Today, on XX/XX/XXXX after noticing that nothing has been corrected and that late payments are still being applied to this account, i paid {$35.00} as everything else is late fees that are continuously being applied to my account all over a payment that was MISTAKENLY {$4.00} shy. I had also requested months ago that my payments be due on the XXXX of each month, I believe that request only lasted for one month and now the payments are due on or about XXXX/XXXX of each month which is not what i requested at all. Lastly I want to make sure they WM is NOT reporting that I have been paying my account late to the credit agencies because that is not the case!! I would have loved to get this issue resolved via customer service but no one over there has been of any help.
On XX/XX/XXXX I went to the XXXX, FL Amscot but before I came I spoke with XXXX on the phone to see what documents needed to process the loan. She explained she see me in the system so all I need bring ID, recent document showing proof of income, and check that will be kept on file. Went to the place and then a rep named XXXX ended up taking over. She told me I was approved and then a text message was sent to my phone stating your approval number is XXXX. Then I asked rep XXXX how much was I approved for and she didn't know, so she called corporate and stated I owe {$50.00} from the year XX/XX/XXXX and it was the fee to checks written back in the day. I explained to her Florida Statue of Limitations has passed. Well then she stated you must pay something. I was going to put a dollar on debt but did respond to text message and stated " Hi Amscot, this is XXXX. Can we set up a payment for XX/XX/XXXX {$10.00} a month for old debt. '' Please keep in mind was approved for {$150.00} needed {$180.00}. Then XXXX come back she is well aware of the law and Amscot has their internal financial services, but I stated still don't override State of Florida or Federal Law ;  so I guess I hit a nerve and then she gave me the attached document reason for rejection is other delinquent past debt. 
What is the rule of thumb when a debt is 15 years and the bank refused to loan you the money. XXXX did state I paid debt back but not the fees, and to me that really sound crazy. I never knew it was an outstanding debt owed but now it still shouldn't reflect present day loans. At the end of the day no loan occurred and disappointed. It is XXXX years old. I  wanted to start New and they didn't but need to know what is the correct way to handle this.
Omega RMS  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  Omega RMS  is using deceptive practices to collect money from me and they need to be investigated.  <P/> I obtained copies of my credit reports and noticed a listing from  Omega RMS . I did not authoriz e Omega RMS  to obtain my credit file . Omega RMS  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sen t Omega RMS a v alidation letter to prove that they own this debt they claim I owe.  Omega RMS  then sent me old statements from various companies with dates from   XXXX  .  Omega RMS  did not send me a purchase agreement, bill of sale or any type of proof that  Omega RMS  is legally entitled to collect anything from me. To this day,  Omega RMS  is still reporting this account on my credit file and trying to collect money from me.  Omega RMS  deceptive tactics are malicious and intentional.  <P/> The account I am referencing is :  Omega RMS  Acct #  XXXX  ...
On XX/XX/2015 I received a call to my mobile phone from a number I did n't know. I use this phone for business contacts so I called it back thinking it could be a client. It was answered by a man who identified himself as XXXX. The number is XXXX. I did not confirm that he was speaking to me. He gave out the last XXXX of my ssn, the amount of the debt, my former employer and other information. Again I did not confirm my information. He became aggressive and harassing. When I asked who he worked for he did not give a name at first and then said it so fast and quiet that I did not understand. He then began making threatening statements. I informed him that this was a line used for business and not to contact it again, he stated that he would continue to call. I disconnected the call at that point.
I overdrafted my account and i was charged {$410.00} once i received my check deposit. My check was {$1300.00} so PNC took roughly 1/3 of what i was paid. I admit that i overdrafted and understand a fee being charged but not any amount that exorbitant. I called PNC on X/XX/17 and a male told me I had valid points and my money would likely be refunded. He escalated my call and XXXX called me X/XX/17. She told me there was nothing they could do. She said it was unfortunate that i did not know i could opt in or out of overdraft protection. I was opted in without my knowledge. That meant that PNC charged {$36.00} per transaction per day. This was never explained to me. Otherwise, I would have never agreed. I would like to only be charged what overdraft fees i owe and would like any additional money PNC took from my account to be refunded. My account is now closed and I am now banking with XXXX XXXX.
I was contacted twice on XX/XX/XXXX by a company calling themselves " XXXX '' and they represented " XXXX XXXX. '' I was told that I owed them a debt from 2008 and that they were hired to attempt to collect the debt prior to trial. I have never dealt with " XXXX XXXX. '' They also provided a social security number that was not mine but did not believe me when I told them that was not mine. I did not provide any information and told them that I do not believe them, I think this is a scam and I am reporting them immediately.
Mid Atlantic Consumer Services LLC XXXX, NY XXXX phone XXXX has repeatedly harassed me and my family regarding a bad check that I did not write. They will not stop calling me and I have repeatedly advised them to stop. They have threatened me repeatedly and I have filed a complaint with the XXXX XXXX XXXX as well.
For my monthly statement with the due date XXXX/XXXX/2016 ( XXXX XXXX through XXXX XXXX ), the new balance was {$3000.00}. However, Capital One then reported my balance being {$3100.00} without notice and added a {$59.00} membership fee also without notice, seemingly attempting to put my card greatly over the limit, which brought my credit score down from XXXX to XXXX within the FICO reporting months of XXXX 2016 to XXXX 2016. I have paid {$100.00} and the minimum was {$97.00}. These are unfair practices by Capital One. The should at least warn me when they will add a membership fee.
American Honda Financial disclosed my loan information to my boss at work and revealed that I was 90 days past due which is a violation of the FDCPA
Yesterday at XXXX ( XX/XX/XXXX ) I went to check on my XXXX on the Coinbase app and my account said that i sent all of my money to Coinbase. The app says i gave coinbase my money at XXXX XXXX, At no time ever did I authorize this transfer or was not made aware of the transaction from XXXX. They Stole my money without permission, did not inform me of what happened to my money, i waited on the phone for 40+ minutes waiting on a representative to assist me with the problem, and the phone call disconnected. They were of no help to me and had no permission to sell or use my coins in anyway. They took XXXX XXXX which is {$510.00} and sent it to themselves now i have a XXXX balance in my Coinbase account. I tried chatting online with the company about what happened and got no help either. I made my initial purchase for the Coin on XX/XX/XXXX so Coinbase took my money in under 10 days, i have already lost {$190.00} on the coins in that time, now i have lost {$700.00} total because Coinbase took my coin. i will most likely lose more money if the coin appreciates while this claim is ongoing. Coinbase needs to give me my funds back.
We received a loan modification through bank of america more than a yr ago.we suddenly, 8 months after, started recieving modification packets again stating either it was notarized incorrectly or that they had neglected to include needed paperwork.Each packet included a promised cash incentive if we would sign and return.They also offered to send a BOA rep. to our home for the signing.So far we 've been told that they can not send a rep to us due to our Morgage type.Secondly, we 've received and returned XXXX packets thus far.Every time I call they either tell me we 've notarized wrong or it was a mishap on their part.Nobody has been able to tell us what we are doing wrong.Not one cash incentive has been seen.We would have to travel XXXX of miles from our home to reach a BOA.At one point an agent told us that our paperwork was rejected because a XXXX looked like an s in the date.This is getting to be harassment at this point.Not to mention the time involved in going to several local banks to get paperwork notarized over and over.My sress level is maxed!!!
I have reached out previously around XXXX regarding this debt ... that I do not recognize .... I was previously a victim of identity theft and as a result of my identity being stolen accounts using fake addresses have been used to open up accounts in my name this account is a result of that identity theft and needs to be removed and my letters regarding this account have gone largely unanswered so I am choosing to address this issue through the cfpb to see if I can get some help fixing this matter.
I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, Equifax, XXXX  ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX  : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX Equifax : XXXX XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX  : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX
An illegal collection account was placed on my account from CKS Financial. CKS Financial states they are collecting for " XXXX XXXX XXXX. '' I contacted XXXX XXXX XXXX and they state they have ever had an account for me. I contacted CKS Financial with no response. I have also sent a debt validation to them. My address on my credit reports has been up to date, my phone number has not changed. I have not received any communication from CKS Financial and now they are listing a {$330.00} debt on my credit report illegally. I will also be filing a police report related to this incident.
In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, Equifax and XXXX  on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from Equifax on this matter.
We are requesting a federal investigation of BancorpSouth Bank in Mississippi. XXXX XXXX and XXXX XXXX XXXX purchased a home, financed by BancorpSouth in XXXX, MS XX/XX/XXXX and were informed during the closing that they were purchasing mortgage protection also. When the application was received in the mail XX/XX/XXXX, XXXX XXXX completed this application and submitted it to Bancorp South because BancorpSouth 's name was listed on the application. This application was taken to Bancorp South. Although, BancorpSouth now states that this is not their application, XXXX and XXXX XXXX never received notice from BancorpSouth that this was not BancorpSouth 's application after he returned it to them in person. XXXX XXXX passed away in XXXX XXXX, and his wife and daughter, XXXX XXXX and XXXX XXXX, contacted the bank, who financed the mortgage and mortgage protection. The bank claims that the application is not their application, although they accepted it from XXXX XXXX in XX/XX/XXXX. It was also XXXX and XXXX XXXX 's understanding that the amount was included in their mortgage, which was deducted monthly from the XXXX bank account. The contact person is XXXX XXXX at BancorpSouth. Her telephone number is XXXX and her email address is XXXXXXXXXXXX. 

We sent a letter to BancorpSouth Bank on XXXX XXXX, XXXX, and BancorpSouth Bank 's attorney waited until the statute of limitations had run to respond to the letter on XXXX XXXX, XXXX. Although this was a very heartless and conniving move, we are requesting a full investigation in their handling of this matter. 

The estate of XXXX XXXX feels they are being discriminated against because they are XXXX and are being taken advantage of by BancorpSouth. Bancorp South is also refusing to produce documents regarding XXXX XXXX 's accounts, which indicate they have something to hide by withholding information. XXXX Strong, the attorney at BancorpSouth is stating that entering XXXX and XXXX XXXX social security numbers and obtaining their account information is " unreasonable and unduly burdensome. '' This is a ridiculous excuse. XXXX XXXX is requesting this information on her behalf and on behalf of the estate, and it should be sent to her. XXXX XXXX is ignoring the fact that XXXX XXXX served in the XXXX XXXX ; and since his death, his wife had to get a full-time job in her late XXXX 's, although she never worked a day in her life. She is also the administrator of the estate of XXXX XXXX. It is obvious that BancorpSouth has been mistreating and discriminating against XXXX, as they were fined XXXX dollars last month due to their unfair actions when banking and giving mortgages. See Consumer Financial Protection Bureau v. BancorpSouth Bank in XXXX, XXXX of XXXX , XXXX Division.
The way the bank posts transactions is highest dollar amount to lowest so they maximize the overdraft fees I had 3 transactions post one of them I was short by about 40 it was an automatic payment that I forgot was coming out if they had post transactions from lowest to Highest I wouldve paid one {$36.00} overdraft fee but instead they did highest to lowest so I got charged three {$36.00} fees they are maximizing fees and taking advantage of consumers who run short
I have changed the settings in my Best Buy credit card electronic system so that only the minimum payment could be paid from my XXXX XXXX XXXX account, and erased all previous bank accounts so they would n't be charged. In this month, XXXX 2015, Best Buy charged both of my bank accounts, XXXX for {$63.00} and XXXX XXXX XXXX for {$1700.00}. I never authorized Best Buy to take the full balance from my XXXX XXXX XXXX account, since I know I do not have all the funds available. In addition, I had removed my XXXX account from their system, which makes the payment processed on XXXX/XXXX/2015 unauthorized as well. I have both of my accounts negative and no money for the week and bills, due to unauthorized activities from Best Buy. Yet when I contact them, their response is that this is my error and they are not responsible for any of these system errors. Both of Best Buy claims department and costumer service department contradicts each other as when giving me information, and lacks communication. None could help me explain why was I being charged and the mix information given was that I must cancel online, and the other said to cancel the automatic payments over the phone. I have done both but my account was once again charged and overdrawn for {$1700.00}. This whole situation is very stressful and drives me desperate, since I am left with several overdrawn fees, no money in my account for personal use or to pay bills, and several hours of phone conversations to have no solutions. I am tired, stressed and under a whole lot of pressure.
I  XXXX   XXXX  file a CFPB complaint as I believe th at Ocwen Federal  Servicing is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My   XXXX    credit report shown my firs t 30-day l ate payment for  XX/XX/XXXX . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  Ocwen  account would come off  XX/XX/XXXX .  Ocwen  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the Ocwen account should already be removed. Accordingly, I will be satisfied with a  XX/XX/XXXX  removal date. The  XXXX  credit report has cut off the same six-years of payment history, and shows a beginning date of XX/XX/XXXX  The  XXXX  credit report showing  XX/XX/XXXX  is acceptable, and I need verification from  Ocwen Loan  Servicing that the account information will be remove XX/XX/XXXX .