WillisBack/dataset-financial-user-claim huggingface dataset:
AES - American Education Services The federal loans I received in college were set up by the universities ( XXXX ) from XXXX. I am not sure how the paperwork was done or what I signed I was given no help by my parents at the time. After graduating and deferment was over, I was told I had to consolidate my loans to lock in a good interest rate in 2006. I was asked how much I could afford by AES, told it was my only option. I was locked into a predatory loan with astronomical rates and then they tried to steal away another 1 % percent that I fought and won over when they messed up the consolidation payment due times. 

Over the years I 've paid this loan of {$26000.00} - never late. I now see in my account it says I 've paid over {$40000.00} in principal and {$16000.00} in interest. These numbers do n't add up, in reality, I 've paid close to {$30000.00} out of pocket with {$15000.00} in principal still due and around {$10000.00} in interest due if I run out my full term. In total I will pay almost double over the life of the loan - hardly the great deal I was sold on in my XXXX. 

I would like to blow the whistle on these deceptive banking practices and would like you to look into what is going on here. 

I have asked to speak to someone at AES about a payment modification due to the predatory nature of the loans setup by both the school and them the lender, they said they have no modification department or anyone to talk to about this. They can not explain why the numbers do n't add up other than it is n't explained correctly on their website. 

Why this is predatory - As far as I knew I was borrowing from a State agency funded by the fed- I thought this was a non-profit school program with my best interests in mind - not a company profiting ( like shooting fish in a barrel ) from un-knowing borrowers. 

I 've tried refinancing outside of AES, and no company could help me refinance, as everyone I called, would only refinance private student loans ; and this is considered as federal loans through a private company. 

There are literally thousands of complaints online about this company.
XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
I initially contacted the servicer of my primary home, Nationstar, in XX/XX/XXXX for a loan modification. I went through the entire process, was verbally told by the loss mitigation department to not include my husband 's income since he was " not on the loan ''. I had no idea this was incorrect information so I did as instructed. Months went on with lots of back and forth with requested documents, etc. Ultimately Nationstar denied this modification due to lower than necessary debt to income ratio. Basically, because I had not included my husband 's income information even though the bank statements I provided showed income of nearly $ 23K per month, I was denied. THEN, Nationstar sent the denial letter to the wrong address and by the time I found out what had happened, I had lost any right to an appeal. I called Nationstar only to be given wrong information AGAIN! I was told to send in a contributor form which they emailed to me ... ..only this form. THAT was incorrect! Apparently I had to resubmit an entire new workout packet including this contributor form ... .so I keep getting bad information which only further delays the process for month after month after month. On top of that, the interest rates have gone up since then so I was denied by virtue of Nationstar 's error the right to appeal their decision in time AND lost out on the lower interest rate. Per the MHA today, I met the eligibility requirements back in XX/XX/XXXX and should have been approved under the HAMP Tier 2 program. Since that time I have had to resubmit paperwork 3 times, been denied a 2nd time just recently because they claim my home is a " 2nd home/Vacation Rental '' which IT IS NOT! Our home is a duplex, one side is rented out during the ski season to skiers and vacationers, I 've explained this with a letter of explanation, provided luxury bills, explained our tax returns, all at their request and they STILL maintain I do not live here full time. I do n't know what else I can do as I feel like all I do is get the run-around, delays that end up costing ME, the homeowner, for no reason other than clerical errors. I know Nationstar had the correct address back in XX/XX/XXXX because I received statements and correspondence from them to my address between XX/XX/XXXX and XX/XX/XXXX. When the denial letter was sent out XX/XX/XXXX, it was sent somewhere back in Utah.
I have a loan with Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXPhone XXXXLoan no XXXX XXXX XXXX @ XXXX pm {$150000.00} was wired to Ocwen thru XXXX XXXX number XXXXFed reference no XXXXAs of XXXX XXXX they say they have no record of the pay off -- -- I have been called XXXX to XXXX times a day -- -- Threaten to be reported to the XXXXHave my credit reported late -- Harassed -- -- Yesterday I called and attempted to talk to a supervisor and got another person who said they ca n't do anything until its paid -- -Can not be connected to the dept that collects the money -- -I faxed copies of the wire transaction and pay off amount to them as wellPlease HelpXXXXXXXX-
I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW
On XX/XX/XXXX, I had just placed an order with XXXX XXXX 's, when my computer locked up, and I got the Blue Screen of Death notice from XXXX on my computer. There was a telephone number on the notice, and I XXXX called the number. Before calling, I saw that my XXXX XXXX and XXXX XXXX XXXX had also locked and were frozen. Instead of turning my computer off, I called the " supposed '' number for XXXX and got XXXX into their criminal scheme. They told me that it would cost me {$490.00} to restore my equipment and I fell for it. I am even more embarrassed to tell you that I gave them remote access to my computer and wrote a {$500.00} check to XXXX XXXX , XXXX of which I again stupidly allowed them to scan it from my computer. During this entire process, I was able to call my IT person, and he told me that XXXX never contacts clients this way and that I had been a victim of fraud. I " immediately '' called my bank, Wells Fargo ( " WF '' ), to put a Stop Payment on my {$500.00} check, and the WF representative I spoke with told me that it would not be a problem. She also told me that it was a good thing that I wrote a check instead of giving them my credit card and that they could stop payment. I was assigned Stop Order Confirmation No. XXXX. After hanging up from my Stop Payment call to WF, I immediately called the FBI in Washington D.C. and placed a complaint. They took all of my information and then instructed me to immediately go online and file a complaint with the FBI 's Computer Crime and Intellectual Property Section ( " IC3 '' of which I did - a copy of my IC3 Report is attached. On Monday, XX/XX/XXXX, I contacted the Federal Trade Commission 's ( " FTC '' ) Identity Theft Division to inform them that my and my husband 's Social Security Numbers may have been compromised. They took down the information and instructed me how to further protect our Social Security information. Next, at the FTC 's instruction, I contacted XXXX ( one of three credit services given to me by the FTC ) and placed a 90-Day Security Alert and was assigned Transaction Report No. XXXX. I also cancelled my three credit cards and requested new cards with new account numbers, in addition to changing my passwords and PINs. On XX/XX/XXXX, I was informed by Wells Fargo that they would not reimburse me my {$500.00} because XXXX XXXX , XXXX was also a XXXX and that they were able to cash my check - and WF would NOT stop the payment. I then filed a claim with WF 's Resolution Department, Claim No. XXXX, and the WF Manager of the bank I went to ( XXXX XXXX, CA ) assured me that I would get my money back. On XX/XX/XXXX, the manager at the XXXX XXXX WF branch informed me that WF would NOT refund my money because I gave my permission to cash the check. I disagreed and aid I did not give my permission. I asked, " why would I put in a Stop Payment with WF if they would not honor my desperate request? '' The manager then told me in her call that " it was no use because WF was not going to return my money no matter what! '' What good is a Stop Payment Order if WF will not stop payment - whether the payment was electronically or by hard copy?
I sent a letter asking the company to validate the account on XX/XX/XXXX and they sent me a bill from the original creditor with a XXXX balance. They are still requesting me to pay XXXX and they are still reporting on my credit reports.
I had an account for around {$1000.00} at XXXX at the XXXX, Wisconsin branch before that bank was purchased by BMO Harris bank. I was unaware that the bank was being purchased, and I was living abroad for several years before learning about the purchase. I then contacted BMO Harris bank to retrieve my money, and they have told me that they have no records of this account. They instructed me to contact the office of unclaimed property in the state of Wisconsin, which I did. They had no records of this account either. I have a banking statement of the account in question from XX/XX/XXXX, but BMO Harris refuses to honor this issue. Please advise.
Before I had my medical bills, and prior to purchasing a home, I had asked USAA to raise my credit limit above {$5000.00} ; which they declined ( This was roughly 4-5 years ago ). Now that I have had a few ER visits with very high bills over the past 4-4.5 years USAA has continually raised my credit limit, without my consent, and my debt keeps rising. In the past I have been able to mitigate what I owed on my credit card considerably with bonuses and tax returns ; however, over the last year I have been in the ER multiple times and had various car expenses and now my debt has become out of control. As of this date I currently owe {$8400.00} and have available credit of {$3400.00}, which is absurd for someone in my situation ( I am a single father who pays child support and who owns a home ). I tried to call USAA several different times and the most recent time ( XX/XX/18 ) I was bounced around from department to department whilst trying to reach a representative to work with me on lowering my interest rate and figuring out a payment plan and the ultimately reducing my credit limit and placing a cap on said credit limit so this does not happen again. After a long time on the phone with rude representatives I was told the wouldn't access my account and I would have to call back later ( I have a recording of that conversation ). I submitted a complaint to the XXXX ( # XXXX ) and I was called once by XXXX XXXX XXXX of Member Advocacy from the Office of the CEO within USAA that I missed at XXXX on XX/XX/XXXX and was promptly sent an email stating that said individual was unable to contact me at XXXX. Since that day and time I have made repeated attempts to contact XXXX and left multiple voicemails but haven't been able to speak to her or anyone else of consequence, mean while my interest on purchases keeps going beyound what I am able to pay against my credit card and my debt continues to spiral out of control.
I was paying my loan. I was sometimes late but, was faithful. I paid for the month of XXXX, XXXX and I received a receipt with balance of XXXX and some change. Well I was late paying XXXX and I was going to pay it until they told me that I owe XXXX. I was concerned about this issue and I decided to send in a complaint to find out if you can assist me in this matter. Thanks for Your Attentiveness XXXX XXXX
Citibank held a promotion to give away XXXX XXXX miles for opening up a CitiGold checking account in which i did as long as i met the requirements of 2 bill payments and to spend {$1000.00} within the 60 days from when the account is opened with the promotional code ( which was XXXX ). i met those requirements and even confirmed with Citibank to make sure i met those requirements and to see if i was missing anything else. I was told that i met all requirements and that i shall be receiving my promotional offer no longer than XXXX/XXXX/2016. i have messaged Citibank numerous times, and even opened up cases where results have said that i will be given the promotional offer within 10 days and so but still yet nothing! Also my checking account requires $ XXXX monthly fee which is outrages. They are not keeping their words and i had no choice but to contact you guys. I hope you can help me solve this problem and if possible return some of the monthly fees i was charged for having to wait almost 2 months now.
Credit Center of XXXX XXXX XXXX, XXXX CT XXXX are claiming that I owe XXXX to an company named XXXX XXXX. I have requested that the verify the amount of the debt and the name of the creditor. They have not provided me with any information and have continued to send notices to my address demanding payment. The third letter is dated XXXX XXXX, 2016 and yet have never provided any verification that the debt is truly owed by me. 
The first letter from them is dated XXXX XXXX, 2016 and my response letter was dated XXXX, 2016. Subsequent to this I have received two additional notices demanding payment.
This reason I am filing this complaint is to request an investigation into XXXX XXXX and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month of XX/XX/XXXX. I am requesting that XXXX XXXX and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.
Discover promised a 10 % cashback on up to {$10000.00} worth of in store XXXX purchases. 
I made those purchases, but I am receiving a email accusing me of spending on non qualified gift cards. ( As a side note, they added that clause after the promo was out ... ) 1 Its my privacy, they have no business what I purchase2 Just because I bought expensive XXXX products, does n't mean it 's a gift card. 
I have a friend who bought a XXXX at XXXX, its a high dollar amount, so they accused him of a gift card purchase. 
Not right. Intrusion of privacy. And just bad for a credit card company who we trust with so much information, to demand even more information, and to lie about their public promos. 

I want my 10 % cashback, and I want it doubled at years end just like their promo says!
Barclaycard does not credit XXXX online payments when they are received. For a year prior to XX/XX/2016, all my payments were credited when received. Since XX/XX/2016, Barclays has not credited the payments until days after receipt, which generates interest and late charges on top of interest and late charges. ( Please note that I always pay-off the entire balance every month. ) I have written twice, phoned 3 times, had three ( 3 ) separate email conversations with customer service and sent the required copies of Peoples payment details evidencing on time payments. Some fees were credited then reinstated. My overpayment on XX/XX/2016 is not considered by them to be an overpayment. Their latest claim is that they have never received the Peoples evidence for XX/XX/2016, yet they acknowledge they received my second XX/XX/2016 letter containing that evidence. I have over XXXX hard copy pages of documentation to prove I do n't owe them any late fees or interest but their customer service will not give me the name of a supervisor or look at the account in totality back to XX/XX/XXXX. I have a letter from Barclays stating that the matter was resolved and all fees rebated, but that is not the reality per their customer service. The credit card Customer service is impossible to deal with.
Hello, I was student at XXXX college and school was closed before I got to grauduate. I applied for loan discharge with XXXX and those loans are supposed to be forgiven soon but I still have a balance with genesis lending about XXXX $ and I was told that I am responsible for this loan even if my school closed on me. I think this is unfair, I suffered enough already, waisted 2 years of my life and now I have to start all over again and have to repay closed school balance. Genesis lending loans have to be forgiven too.
experian told me on XX/XX/XXXX they was going to keep the mix credit file and report on my credit file and keep all the wrong names and wrong address when i ask on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I STILL HAVEN T HEARD FROM THEM AND GOT THE CORRECT HELP EXPERIAN NEED SOMEONE FROM THE CFPB COME AND HOLD THERE HAND AND DO RIGHT MY PEOPLE AND STOP REPORT WRONG INFORMATION ON MY CREDIT REPORT ..

SINCE I HAVE PROVIDE PROOF ..

XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINES ITS ACCTACH TO SOMEONES ELSE CREDIT PROFILE SINCE XX/XX/XXXX AGAIN ...

XXXX XXXX XXXX THESE ACCOUNT ARE NOT MINES PLEASE HELP AND DELETED FIX MY CREDIT SOCRE BACK TO A XXXX ASAP PLEASE AND THANK U
ex since XXXX hasd stolen all my and kids private info and started credit on me and started steeling money from an ssi account that belonged to my son at XXXX XXXX in XXXX la, and XXXX   refused to believe me and fix the problem and i was with thm since XXXX. i even brought a notary report and police report.. he started making credit cards on me in XXXX till now. car loan bank loans, mortgage loans, he bought and made companies, him and high school sweetheart i never knew of behind my back made student loans to go to it and XXXX school in XXXX till now in my name but spellelled differently he toook his it degree and taught her too with XXXX   degree XXXX XXXX and they break in government systems on medical records and change peoples accounts credit cards checkings and all. also XXXX 's boss XXXX XXXX with XXXX XXXX Properties and Real Estate Agent, XXXX and Girlfriend in Office is holding information on him to cover him and XXXX XXXX has the Millions put in his name so it doesn't show anything on XXXX cause XXXX is a Millionaire already. His dad left him millions in inheritance so no one will ever notice its XXXX and and. His woman miss XXXX XXXX money they been collecting from gov. and credit cards and making online businesses and blogs and writing books about me jewelry shopping my email name a big construction company in Colorado in my name he has friends working everywhere everywhere making money for them banks water company loan company 's dealerships gov. places construction companies XXXX cable that's how our WIFI keeps getting broke into this our third box he has ripped out IP addresses on 3 of my gov. phone bought 5 government phones in my name. He ripped out on brand new regular expensive phones and locked them all up i cant get in them the company cant even get in only him. wont return them or unlock them and put back the original IP addresses and info. that belongs to the phone so i can upgrade it and use them for back ups. Account has my money on green dot cards wont unlock it and give me my money so i can ho get a place to live foo fix my vehicle get my daughters glasses nothing i have asked for three days now, and for a year very calmly and nicely. Please help me with these two people this is not their first time doing this I have heard just recently. I never thought he would ever do something like this or ever hurt me and my children and handicapped children at that. He was my best friend from he was 8 I was11.We only missed 4 years apart but when we mt up he promised NEVER TO HURT ME TO TAKE CARE OF ME AND KIDS I broke my marriage for who I felt in my entire life was my soul mate. i was nothing to him even XXXX treated like garbage kids abused mentally now mentally handicapped on SSI goes to DR 's and murdered my XXXX year old last week died on the XXXX of XXXX. I'm desperate for help Police does nothing he broke in their comp. system that i'm a cray person as he has in the hospital records and er records so when i have my XXXX and strokes no XXXX 's police fire trucks nobody comes to help i even had a small XXXX XXXX at hospital and they die nothing
I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and   XXXX   ). The credit report showed credit inquiries that I dont recall authoriz ing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Pl ease remove these inquiries from my credit reports immediately.
Portfolio Recovery and Associates are claiming that I owe them {$6800.00}. I have sent them 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to provide a contract with them or anything to validate this date bearing my signature. They have not been able to provide this information but they continue to report this on my credit report. 

They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

They are liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. They did not mark my complaint as disputed but marked it as resolved without providing my signature on a contract. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

They have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts. 

I have certified mail receipts dated XX/XX/XXXX, XX/XX/XXXX ( should be XXXX ) and XX/XX/XXXX. The one dated XX/XX/XXXX has a tracking number of XXXX XXXX XXXX XXXX XXXX was actually received on XX/XX/XXXX at XXXXXXXX XXXX which is mail fraud. It was held so they could buy more time to find my signature which they do not have. 

They are required by law to remove this from my credit report or face legal action for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. ) Mail Fraud This false information on my credit report is costing me in higher interest fees and I am being denied credit.