WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I went to TransUnion where I intended to pay {$1.00} charge to see my credit score. I was careful to look around to make sure that I did n't sign up for a monthly credit monitoring service because the website felt like it was n't designed to be clear about what I was about to pay for. I wanted to see my credit score and felt like any of the XXXX major credit bureau 's surely would n't be predatory. I woke up this XXXX with a {$19.00} charge from TransUnion and a {$21.00} charge from XXXX. I happened to get an email from my credit card company alerting me to transactions. Otherwise, I would have never noticed these charges. After much searching, it turns out that the only way to cancel these services is to call. None of these services sent me an email receipt. 

I would like the CFPB to stop the XXXX credit bureau 's from operating in shady ways to make money. These bureaus exist to reflect our individual integrity to potential creditors. They should operate with the highest level of integrity and not take advantage of people with confusing and tricky tactics.
I have a POA ( Power Of Attorney ) to act on behalf of XXXX XXXX XXXX, the father whose daughter, XXXX XXXX, was a student who passed away in 2015. The father was the co-signer and has continued making payments since his daughter 's death. 

Since last year, I have been in continued contact with AES ( American Education Services ), the current student loan processor, seeking loan forgiveness. 

Except for this loan, all of the student 's other private student loans were forgiven due to death. 

In XXXX of last year, I'd located and contacted the original lender ( XXXX XXXX  ). I was told that XXXX  's policy is to forgive student loans when the student borrower passes away. Unfortunately, XXXX had sold the loan and had no record of whom it had been sold to. XXXX had no record of when the loan was sold ( ie. before or after the date of the student 's death ). XXXX told me that they had changed computer systems and loan processors and dated records no longer exist. I was directed to their current loan processor, AES, with whom I had already initiated contact. 

It took most of last year, to locate the loan with AES, to get them to agree that the loan should be forgiven, and to get them to request loan forgiveness. It also took most of the year before AES would divulge to me that XXXX owns the loan. Since last year, I have made THREE formal requests via AES to have the loan forgiven due to death. Each time, AES has sent a letter to XXXX making a formal request for loan forgiveness. XXXX has not responded to any of the requests that AES has made. 

The student was the father 's only child ; thus, the loss was and continues to be extremely traumatic. Every time that he made a payment, he relived the loss of his only child and grieves. I've explained this to AES countless times. In fact, the grief was so great that the father, against my advice, PREPAID a significant portion of the loan just to avoid the pain at payment time. 

Based on research that I've done, I believe that XXXX  has lost all records ( ownership paperwork ) for this student loan. XXXX 's failure to maintain or locate the loan record should NOT prevent them from forgiving the loan. 

I've attached a copy of an AES letter to me. This letter contains copies of AES letters sent to the father confirming the last two formal requests that I'd made to AES for loan forgiveness from XXXX. These documents have all of the relevant information needed to identify the loan.
I XXXX from XXXX College in Maryland ( now XXXX University ) in XXXX and from University at XXXX XXXX XXXX in XXXX. I have a loan from the XXXX XXXX XXXX XXXX ( XXXX ) that has been serviced by Great Lakes since at least XX/XX/XXXX. I am in a standard repayment plan, with monthly payments of {$350.00}. 

Over the years, I have diligently made extra payments on the loan in an effort to repay it earlier. Great Lakes never gave me the option of applying 100 % of those extra payments to the principal of the loan in order to reduce the principal and thus the amount of interest being charged. Instead, even while I made the automatic monthly payment of {$350.00}, they applied a portion of each extra payment to principal and a portion to interest, considering me to have " paid ahead '' on the loan. I did not wish to " pay ahead '' but to reduce the principal beyond the amount that the monthly payment did in order to make headway on repayment. 

Finally I took advantage of the fact that I am paid ahead to XXXX, and I stopped monthly payments sometime within the past year due to some income issues in my family. I started making monthly payments again this month, but now the amount of interest outstanding is over {$1000.00}, and all of the repayments are applied to that interest amount first. 

Great Lakes practices seem out of step with normal loan servicing practices and hurt consumers like myself who are simply trying to rid themselves of student loan debt burdens. 

I am not able to provide my account history. Great Lakes only provides statements for the past year, and since I was not making payments, there is little information available to me. I would be happy to work on reconstructing the history based upon my bank account and other records, but it would take some time and effort.
I fell behind on my mortgage payments shortly after my husband died XX/XX/XXXX. Since then, I have filed XXXX Chapter XXXX bankruptcy cases in order to keep my home. 
Shortly after the filing of my XXXX bankruptcy case, I ( through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted a loan modification application to ClearSpring on or about XX/XX/XXXX. 
On or about XX/XX/XXXX, a representative from ClearSpring gave told my attorney over the phone that I had been approved for a loan modification. This loan modification would have allowed me to stay in my home and complete my bankruptcy case without paying so much money on the payments that I 've missed. 
My attorney and I began corresponding ( phone and email ) with ClearSpring over the terms and conditions of the loan modification plan. However, after a short period of time, the person from ClearSpring stopped communicating with us. 
I never received anything in writing from ClearSpring regarding the original loan modification plan nor have I received a written explanation of why ClearSpring decided to withdraw their proposal. 
Also, during the period of time that I was in my third bankruptcy case, ClearSpring did not pay my real estate property taxes for XX/XX/XXXX and XX/XX/XXXX ( even though they were collecting {$110.00} per month from me to be used for property taxes ).
I sent a letter to Applied Bank to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from applied bank nor have they marked any of my reports disputed within the time frame per the fcra
There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!
I am very upset with the XXXX dollars I received on your behalf for the lose of my home.This was a complete nightmare and the XXXX dollars is so unfair and a slap in the face. I need help to sue them myself and at least get my money that is owed to me. I 'm sure you understand that.
I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of XXXX with original balance of {$350.00}. when they decided to sell it to this XXXX company they decided to put it as a new collection that just open XX/XX/2016. I 'm trying to fight this collection because its not a recent one and the information is not correct
I have disputed several fraudulent accounts that appear on my Equifax credit report since XXXX XXXX, 2015 and they accounts remain and no investigation has been done on my behalf. I have also spent countless hours on the phone with the unknown creditors and was able to have some accounts removed. I also sent Equifax a copy of my police report. 
XXXX XXXX XXXX account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBankruptcy XXXX
I just received my BBVA Compass XXXX card on XXXX/XXXX/2016 after activating and attempting to use my card at XXXX it was declined. I have no idea what to think about my business interactions with BBVA Compass bank. I have had nothing but issues and frankly this is VERY upsetting. Why is BBVA bank treating me in this fashion? I have done nothing wrong. I called customer service and they informed me the account was opened on XXXX/XXXX/2016 and closed on XXXX/XXXX/2016. WHY ARE YOU DOING THIS? I have done nothing wrong to BBVA Compass to receive this treatment.
XXXX and XXXX, both have errors on my credit reports. Each error is different with each agency. XXXX is listing employment places I have n't worked at for 7-10 years. I want it removed. I 've been on XXXX for 8 years. Why are they still showing up?
I continue to receive repeated calls and threatening voice mails on my Straight Talk cell phone from someone at " Cooper, Klein, Hoffman/XXXX and Associates '' at ( XXXX ) XXXX mostly but a few other numbers as well, all with out of state area codes. The voice mail threatens legal action against " XXXX XXXX '' and references " file number XXXX. '' The voice mail demands a call back at ( XXXX ) XXXX to avoid this action. I am not XXXX XXXX. I have had this phone number since 2012 and my number is on the Do Not Call Registry. I have previously experienced similar calls at this number for a " XXXX XXXX. '' I was able to get those calls stopped by talking with the caller but have been unsuccessful with the callers looking for " XXXX XXXX. '' The calls taper off for a month or two but always resume after a brief hiatus. I have spoken with Straight Talk and was told there is nothing they can do. They advised blocking the calls or changing my phone number. Unfortunately, changing my phone number is no guarantee that I would not get yet another tainted number and be no better off than I am now.
I received the attached notice ostensibly from Target, alleging I owed them a payment. Neither my wife nor I have ever had a Target credit card or been in one. I called and the firs question asked was for my Social Security number. This is either a questionable market strategy or a complete scam. I have no idea. If you could inquire, that would be appreciated and would perhaps prevent people from providing their SSN. Thanks, XXXX XXXX
Received a collection notice in the amount of {$3500.00} for maintenance fees on a timeshare from Continental Central Credit , inc . The amount includes {$1100.00} in fees from previous collection company " XXXX XXXX XXXX, '' and {$880.00} in fees from Continental Central Credit , Inc . The original debt was {$1400.00}. We attempted to make payments to XXXX who returned our payments when made. We disputed the debt for excess fees greater then allowed by law, but nothing happened. Now this new collector " Continental '' is attempting to collect {$3500.00} by adding {$880.00} in fees on top of the {$1100.00} in fees tacked on by XXXX to the original debt. XXXX sold the debt to Continental including their collection fees. The original contract does not include allowed interest or excess fees. XXXX also tacked on interest from the beginning, adding interest before they actually owned the original debt which is not allowed under the FDCPA.
Bank of America and the servicer of this home loan mortgage account caused to be recorded a Notice of Default ( NOD ) on XX/XX/XXXX without completing the required pre-foreclosure outreach in accordance with California Civil Code 2924.55 ( f ). 
Bank of America has admitted, in writing, to have tried to contact me twice. Bank of America and their representatives have not tried with due diligence to contact me otherwise than that prior to recording the NOD after assurances from Bank of America that no foreclosure process shall be commenced. Additionally, when I tried to contact Bank of America, all I got was the runaround. I have even been told that Bank of America forbids their representatives from conversing on a borrower recorded telephone line, which mine is in accordance with the laws of the state of California. 
Furthermore, no post-foreclosure outreach has been commenced to date, but that is a moot point and activity since Bank of America has already violated the pre-foreclosure requirements. 
To date, no XXXX XXXX County Recorders Office certified recorded Rescission withdrawing the NOD has been provided to me as requested. 
I have resided at the property address continually since XX/XX/XXXX as a primary residence.
I have 7 collection amounts listed by XXXX XXXX  XXXX XXXX. They never contacted me, I received no voice messages or letters. I learned about them from a credit report retrieval. I've been paying XXXX $ a month to them to get this resolved, yet I still haven't ever gotten an account statement. When I try specifically to pay on one of the 7 collection amounts on my credit report they tell me that it's listed as a lump sum in one account. If this is so, why are their 7 different collections listed and if I do have 7 different collections why can't I pay one each one individually?
Purchased jewelry at XXXX and sales associate split the credit on XXXX cards XXXX being XXXX account and other being synchrony.We were not informed of the interest rate on the synchrony until after we made the purchase being at XXXX it will take us 10 years to pay the XXXX dollar depth off.Knowing that we would of not made the purchase, I feel they did n't properly explain this to us now we 're stuck with this terrible account.
XXXX  Student loan # XXXX reported my account late in XXXX  2011. I requested validation of this information to verify their reporting and have not received any details or validity.

To my knowledge any data furnisher must advise you for any negative reporting prior to reporting and i have never received any email or mail stating the possible negative reporting.

Also this information is NOT true and NOT or NEVER been late.
My interest rate with Navient is 10 % and it is n't fixed. The payment they require to even make a dent in the principal balance is extremely high. They told me there is nothing I can do to lower my interest rate. No one refinances private student loans either that I know of. I just feel like I 'm drowning in these payments to Navient and I have n't seen my principal balance go down at all in 5 years of paying them. I already pay on my Federal student loans as well. I just do n't know where to go from here or how to get a lower interest rate so that I can start making a dent in my debt. Please help!!
Although this complaint is related to a previous CFPB complaint, new issues have been raised, and due to the class action level of abuse that collection on this alleged debt represents, I feel that a separate complaint is warranted for the public benefit. This account was disputed from the start, as fraudulent. Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed, and was no longer using. At the time, we were in the midst of a refinance, and I panicked and agreed to a payment plan, paying at least three times the original alleged amount owed, because Chase took the past due amount from an amount variously reported as {$350.00} or {$520.00} or {$600.00} ( yes, really ), to their charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX : XXXX
My name is XXXX XXXX and I 'm contacting you because I like many millions of other college graduates that are suffering in Student loan debt -especially from a For-Profit College that defrauded all of its students- wish to complain about XXXX and EDMC. 

Recently there was a Federal lawsuit against the Parent company ( EDMC ) of the college I attended ( XXXX XXXX of XXXX ) from XXXX graduated with XXXX and over {$80000.00} in debt. Its Parent company EDMC was sued for fraudulent practices/recruiting/using federal aid for CEOs/Shareholders/recruiters bonuses instead of helping students, predatory lending practices, stealing GI Bill money from students, etc ... and they won {$11.00} XXXX dollars from EDMC. 

I was lied to about their job placement numbers as well as the true total cost of my so-called quality education. Also they were predatory in recruiting and they pressured me into keep signing for more student loans, federal and private. The education I received there was sub par at best and I feel was n't anywhere near worth what it cost to get my soon to be worthless degree. The lawsuit money that was won should go to the students who are the real victims not to the government for more wasteful spending. It should go to the people, this country was built upon a government for the people by the people, not for the wealthy or for the money by the money. I have almost all my records while I attended XXXX XXXX of XXXX. 

We want the settlement money to erase all our student loans as well as have all money refunded that has been paid on the grounds of the fraud the schools committed based on the judgement in the US Government lawsuit. Below are links to the site for the petition about the lawsuit and the debts former students are drowning in along with many other source sites. Many of us have begun to contact elected officials, State Attorney Generals, and looking into going after them. 

Now EDMC is closing most of its schools throughout the country and just as the XXXX XXXX closures opened everyone 's eyes to the thousands of people drowning in debt from attending this fraudulent school that should receive refunds as well as all student debt erased based on everything that has happened. 

Read the comments listed on the site with the petition and you will see what I 'm talking about. This money should go to all of us who are still stuck with this debt from a school that played us all for fools. 

Thank you for your time. 
XXXX XXXX Below are links for almost everything regarding EDMC/XXXX. 
XXXX
I was contacted by a Law Firm ( XXXX XXXX ) in regards to a debt owed to Capital One Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a Capitol One Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted Capitol One Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.
On XXXX XXXX, 2018 my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX was signed. The account is being reported as charged off for {$9300.00} and I am disputing this. I am requesting documents bearing my signature to show the validity of this account that is being reported to all three credit bureaus. More than 30 days has passed without a response. I mailed another certified letter via certified mail # XXXX and it was delivered XX/XX/2018. Still no response. Per federal regulation this item must be immediately and permanently removed from my credit reports for Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The company also did not mark the item as " disputed '' on my credit reports with in 30 days of receiving the dispute. 
Please see attached dispute and supporting docs. My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.
My XXXX score dropped 25 points due to Navient reporting my account as closed. Per my XXXX credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called Navient and was told they " have nothing to do with that ''
General Motors has been using an incentive called Down Payment Assistance for the majority of the year on multiple vehicles which forces the consumer to finance a loan with their finance company, GM Financial, if the customer wants to receive the incentive. 

Down Payment Assistance is a 'cash on the hood ' type of incentive, where the customer will receive an extra {$1000.00} or {$2000.00} off the price of the vehicle if they finance a loan with GM Financial . If the customer decides to finance with a different lender then they will not receive the additional rebate. 

The problem is that the interest rates charged by GM Financial are considerably higher than other lenders in the market. Customers are being forced to finance with them in order to receive the added discount on the selling price of the vehicle. This in turn causes the customers to pay potentially thousands of dollars in extra interest over the life of the loan. 

Yes, a customer could refinance the loan with a different lender after receiving the Down Payment Assistance, but this would result in an extra credit inquiry which would lower their credit score, and there are other costs associated with refinancing loans. 

Please make General Motors stop their Down Payment Assistance program which is causing consumers to pay much higher interest rates through GM Financial and further enriching the XXXX XXXX at our expense. If there was no Down Payment Assistance the car dealers would set the customer up in a loan from a different lender which has much lower interest rates, typically 1-4 % depending on the customer 's credit.