WillisBack/dataset-financial-user-claim huggingface dataset:
The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a XXXX with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX and XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and XXXX.
There is an old account with XXXX that is reporting on XXXX. It was included in Chapter XXXX bankruptcy discharged. It should be removed from the report. I no longer owe them. Tt is causing me to be declined.
Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and XXXX is not following the law by not providing proper proof to consumers in which they wish to collect from.
Ally Financial has made it extremely difficult to close my deceased grandparent 's account. I have the death certificate information for both grandparents but they request a medallion signed document that each banking institution had said is unnecessary. There has been a lot of back and forth and they have not been helpful with concluding this matter.
The forced re-fi MORTGAGE initiated as XXXX, NOT XXXX as the investor. We are dealing with from the beginning CRIMES set forth by loan officer " XXXX XXXX '', who was let go from Citizens Bank and now is with XXXX XXXX XXXX. It's is at a criminal level which a Judge has no choice but to expunge on all authorities to control in devious fraudulent pool who has its own they sell of the MORTGAGE to knowing they will maintain as a different entity to maintain, closely monitor, and perform mastered coding all in their criminal educated bank fraud certificates in which will call themselves excused since they were a part of the re-development of the stock market crash, of the loan scam and therefore as stated mortgage was placed in a special pool with other illegal loans? Prior to foreclosure sale of said property The bank " who claims not to have been lien holder did in fact deny my buy out of debt owed. They didn't own it and they did not owe anything on it. The money was re-paid years prior with the illegal investment made on XXXX XXXX they have co-mingled in with other loans.
In XXXX of 2015 I did a balance transfer from XXXX of my credit cards with a higher interest rate to my First National Bank of Omaha card. The rate on the original balance was at 12.99 % and the rate being offered by FNB was 5.99 % guaranteed for the life of the balance and with no fees involved. The amount of the transfer was {$7400.00} and was posted to the FNB account on XXXX/XXXX/15. The monthly payment on this amount on the original credit card was {$140.00}. The monthly payment on the FNB card before the transfer was {$170.00}, which resulted in a total per month of {$310.00} for both cards. Now the payment on the FNB card has increased to {$410.00} per month, {$98.00} per month more than I was paying before the transfer occurred. My question to FNB was how can my payment increase {$98.00} per month when the interest rate on the {$7400.00} amount went from 12.99 % to 5.99 %? Also, in the '' minimum payment warning '' of their statement it was explained that if I were to only make the minimum payment of {$410.00} every month it would take XXXX years to pay off the balance BUT if I were to make payments of $ XXXX it would be paid off in XXXX years saving me over {$1000.00}. FNB insisted that my minimum payment was indeed $ XXXX. When I suggested that I make the $ XXXX payment that was shown for early payoff I was told I would be charged a late fee every month. When I asked the customer service supervisor to explain the " fuzzy math '' to me, his answer was " That 's just how it works. '' So, by attempting to save money every month by lowering my interest rate by a full 7 % I am now spending {$98.00} more each month instead. I wonder how many other unsuspecting consumers have been mislead by FNB into transferring their higher percentage balances to this company and thinking they would also reduce their monthly payment by taking advantage of the lower rate.
two weeks ago, I applied for an XXXX card -which comes with several perks I 'm interested in- while I was making a purchase of a flight using XXXX website XXXX I filled out the application and in a few minutes I got the positive response saying I would get their card, but when I received the card a few days later, it was n't their Visa Signature, but a Platinum Plus card which does n't carry the perks I wanted. XXXX cards have an annual fee XXXX XXXX XXXX is {$75.00} and the Platinum Plus {$50.00}. I did n't mind paying the {$75.00} for the card I wanted. There is not a single sign during the application warning us, the applicants, that if we did n't qualify for the XXXX would be issued. These are the XXXX lines on the bottom part of the first screen of the invitation which are not a warning : The benefits above apply to XXXX XXXX accounts only and different benefits apply to XXXX accounts. Card type is determined by creditworthiness. So, I immediately called Bank of America which is the credit card issuing bank. I told them, I applied for the XXXX XXXX not for the XXXX absence of perks. The bank representative asked me if I filled out the application correctly due to the fact that they had had similar situation with other customers. She said that if I wanted I should apply again because some customers had done that and they get the XXXX XXXX in the second try. So, while I was on the phone I applied again and my application was declined. I told the representative the results and I also told her I wanted to close the XXXX card. I also told her they had to cancel the XXXX fee they already had charged to that card. I asked her how all this situation would affect my credit record and she said that it would n't for they will report how things happened. She said it would n't hut for me to write to you here to let you know of the situation to leave a record of it.
Received a call from a restricted number, so I let it go to voicemail. 15 minutes later I get a call from my wife telling me she received the same call and it was from an Independent Process Server named XXXX XXXX, from XXXX XXXX County. She was informed I would be served papers tomorrow, and if I had any questions to call XXXX and provide the case number she left. 

I called the number and a woman answered and asked how she could help. I stated I received a call from this number. She said that they do not make outbound calls. She asked if I was given a case number, which I proceeded to give her. She said since the papers were set to be served tomorrow, she'd have to go grab the hard copy and put me on hold. She came back and wanted to verify my information starting with my Social Security number. I informed her I would not give this information, and started asking questions about her company. She became very defensive, but did tell me the name of the company was XXXX. I said I couldn't find any information on the company when searching by name, or phone number, and she said " that's how you know its not a scam. '' I proceeded to tell her it was a scam, so she told me good luck with my papers being served tomorrow. 

I called back 15 minutes later, after doing more research. A different, male employee answered this time. I asked for the address to the company, which he said was XXXX XXXX XXXX, XXXX, TX, but I did not catch the XXXX XXXX. He also made it very clear that they do not make outbound calls from this number. I disconnected shortly after. 

From what I can tell, a fake Process Servant calls from a restricted number and basically tells user they will be served papers tomorrow unless they call the XXXX number her/or she provides. Forcing you to call the " debt collector. '' Bottom line, I have NO debt in collections, or close to it. This is a complete scam
At last Wells Fargo is willing to help me with modification but back XX/XX/XXXX my father in law co-signed for us because my husband lost his job. He moved in with us for awhile to help buy food. I went a filed a quit claim deed at city hall to take him off the financial part of the modification because he does not live with us anymore but is still on the mortgage. I just talked to the underwriter and they said they could not use the quit claim deed because they can not find the original application from XX/XX/XXXX for my father in law. They do n't want to lower my mortgage that is why they do n't want to use the quit claim deed my father in law in XX/XX/XXXX but they want to use his pension and social security. I never heard a mortgage company losing an application.
I attended a school called XXXX. At the time i had no XXXX, XXXX diploma or nothing to that sort. They admitted me by claiming i had the relevant paper work. I left the school after only 6 weeks due to how unprofessional they were. I later found out that all the schools had been closed due to them committing fraud which included admitting students who did not have the relevant paper work. 
My credit has always been in the high XXXX to early XXXX. I have never in my life missed a payment on anything. I have only been in the country for 6 years as a permanent resident and am very vigilant and mindful in my credit. 
At the XX/XX/2017 Fed loan reported to the credit bureau that i had missed several payments. I believe they entered XXXX different types of loans and one of the payments they reported was {$1.00}! 
On my side i thought my account was still in deferment. I had also told them i had moved but im assuming the file was not updated. 
I am wondering where i stand with this. I wrote to them to get this loan discharged but have heard nothing to date. 
Are they allowed to report XXXX different entries for XXXX loan AND an amount of {$1.00}! 
They took my credit from XXXX to XXXX for a loan that i should be considered for discharge AND due to mail being sent to my old address. 
Please let me know where i stand. 
Thank you XXXX
My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX_Experian Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and Experian credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and Experian attachments
In  XXXX     2017, I sent a request to each  XXXX , Equifax and   XXXX   XXXX   regarding removal of the extended fraud alert on my credit pro file. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :  XXXX  : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert Equifax : Has failed to make any response to the request.
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. 
My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
Over the summer American Express offered XXXX sky miles points for those who spend over 2000 during the first three months. Previously, over 3 years ago I closed an account with this card and was wondering if I applied would I be eligible for the rewards. So, before applying I went and spoke to an American Express agent at the airport ( XXXX ). They told me that because of the time between accounts ( plus AE had different offerings at that time ) I would qualify for the bonus points if I spend the required amount. From that conversation, I went home applied, got approved, and spent the required amount. Now American Express is not awarding me the points because I 'm not eligible for them .... I feel completely taken advantage of and feel like that agent told me this just so that American Express can have one more card holder .... I 've reached out to them and they 've opened and closed a case investigating this issue without giving me the points I 've earned. Right now, I completely understand the qualification of this card, however, I should not be the person punished for the mistake their employee made by telling me I would qualify
XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit report.
Called my cell phone and was busy at work to answer and turned around and called me at work. When calling on cell, they do not leave voicemail. I have wanted proof in the past of who they are. I will not give my personal info since the bank sold my account to a collector.
I have very good credit and a {$17000.00} line of credit on a Fidelity XXXX XXXX. Due to prior problems with Fidelity XXXX, I stopped using the card opting for a different credit card. I have a XXXX balance due to a credit three weeks ago. Prior to the credit, I had scheduled one final {$120.00} payment. On XXXX XXXX, Fidelity, knowing I have a XXXX balance, applied the {$120.00} payment creating a XXXX balance. I called and asked Fidelity to refund the {$120.00} immediately. Fidelity told me it takes 17 days to reverse my {$120.00} negative balance which I find fraudulent unless I get interest on my {$120.00}. I desire for Fidelity to immediately reverse the {$120.00} payment of pay me interest for 17 days of unlawfully holding my money.
XXXX, Experian, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!
In XXXX of XXXX, I invested funds with Coinbase, investing in Bitcoin and Eretheum. I sent funds into my Coinbase account several times. After Bitcoin gained significant value I tried to withdraw funds. I was locked out of my account and have been locked out with no ability to access my account for over 8 weeks. I have called Coinbase Customer Service many times. It was explained to me there is nothing they can do as they have a system problem due to an excess amount of business. They further explained to me that calling the customer service number to resolve the issue only hurts me because I get moved down the list in priority! I have had one supervisor, ( XXXX ) that said he would personally help me and to send him a screen shot of an error message. There was no reply or help from XXXX. I have been told a dozen times by customer service they ca n't help me! One representative even told me it is part of the risk of investing!! I explained to her it is not the investment that is the problem but the actions of Coinbase was the problem. All the while, my money is tied up in a downward market that I do not want to be in any longer but have no ability to withdraw the funds. Coinbase would not even freeze my account so I would not loose money with the declining market. My money is being lost simply because Coinbase refuses to give me access to my account!! I have lost thousands of dollars to date due to the incompetence ( and illegal actions ) of Coinbase. I have recorded phone calls and emails to  substantiate my acquisitions. This complaint is my last attempt to resolve this matter before I seek legal action against Coinbase.
I had a private student loan with XXXX XXXX XXXX in XXXX. The account was past due in XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the XXXX and XXXX dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations XXXX XXXX listing : XXXX XXXX XXXX. Account number XXXX
I reported this to the office of the MN State Attorney General and they have suggested I also report it to you : American Express Customer Relations XXXX, UT XXXX I requested a card at XXXX, which has not yet been received. So, I went to XXXX and purchased one in the store and put {$300.00} cash on it. 
XXXX on XXXX/XXXX/2016 TC # XXXX AMEX BB XXXX {$5.00} on receipt The physical card 's packaging UPC is XXXX Card # XXXX Valid Thru XXXX CID XXXX Because the one I requested online is associated with my phone number, I ca n't set the physically purchased one up online for my personal management. 

ISSUE # 1 I bought the card for the sole purpose of retaining services from XXXX XXXX XXXX. They attempted to charge {$290.00} and it was declined. I went back to the XXXX store and spoke with a manager. He said there 's a " hold '' while it transitions through the banking transfers. He checked the card balance ; {$5.00} remaining. 

There is absolutely no way for this " hold '' of {$290.00} to be received by XXXX XXXX XXXX. So, where is my {$290.00}? I am so disgusted with this matter ; I am reporting it to the State of MN and the FBI immediately. 

XXXX XXXX, MN XXXX ; XXXX
I was with XXXX for XXXX+ years. I decided to not renew because I was not satisfied with them. I was on a month to month contract, but, to simplify my life I just paid it annually in advance each year. The last renewal bill I did not pay. I switched alarm companies in XXXX. That same month I got a call from XXXX XXXX asking why I did not renew. I told the supervisor why and he stated he was sorry and asked what he could do to keep me as a customer. I told him I already switched XXXX and there was nothing. He said he would get back to me with a proposal anyway, I said fine, just email it to me. 
I never got that email and therefore did not even think about it. Sine that phone call I sold my home, purchased another and never gave this issue another thought until early this year, I noticed a collections on my credit report. They are claiming I owe {$330.00} for alarm services. Then I got to thinking about what happened. I had some questions. 1 ) Why are they charging me for almost a full year of service? 2 ) Why did n't the supervisor tell me this on the phone in XXXX when he knew I was with another company? 3 ) How long does it take to cancel a service for non payment? 
I called XXXX XXXX and they said they do not have the records anymore I have to deal with the collections company. 
I sent certified letters to the collection agency ( attached ) trying to resolve this and they are refusing my offer. I offered paying up to the time in XXXX that I spoke with the supervisor even though I feel I owe nothing. I think it is more than fair. I now understand that they require an advanced written notice to cancel. I think the supervisor had an obligation to notify me of this when I spoke to him on the phone. There was no way for me to know or remember this procedure from XXXX years ago.
Late payment being reported from XXXX contacted XXXX and was told they never reported a late payment ever purchased a cedit score from Trans union and the score must have reflected this ghost late payment