WillisBack/dataset-financial-user-claim huggingface dataset:
Iowa Student Loans, now Aspire, has consistently called us and our daughter regarding her outstanding loan from XXXX College. As was necessary, she obtained several loans over the period of four years. As her parents, we co-signed her loans. After college we made repeated attempts to consolidate her loans. The response was " not possible ''. The result was XXXX loans, each due on different time of the month, all accruing interest. We attempted to set up a regular schedule, and, new to the workforce, she did her best to meet the loan payments. We helped as we could to offset the payments. Since 2004, we have consistently received letters and harsh, demanding phonecalls, sometimes threatening, even though we know the amount was regularly late, but paid in accordance with her and our pay checks. Had we known a student loan from Iowa Student Loans, now Aspire would be so physiologically demanding, we would never have used them. Even the credit card companies have been willing to work with us on consolidating and paying off a card. We have attempted numerous times to talk with the Iowa Student Loans, now Aspire to consolidate and make it easier for our daughter, and now us, to repay the loans. They are unrelenting, offering no options and constantly sending letters and telephone calls. We know the loans are being paid, however, if they are off by only a few days, even due to holidays, the phone calls and cautionary letters arrive. We have come to simply tossing the letters and hanging up on the calls. There seems to be no solution outside of obtaining a high interest private loan to get them off our back. That is not fair to the intent of education. Something must be done.
My new lender, Ocwen ( I believe they purchased my loan from XXXX XXXX XXXX ), has continually harassed me for proof of insurance at my condo, which is insured through my XXXX ( XXXX XXXX XXXX never asked for this ). Every time Ocwen has asked for this I have submitted the proof of insurance as supplied by my property management company and their insurance partner. However, Ocwen has now started charging me over $ XXXX/month for a separate insurance policy they have taken out without my permission, and this has happened for XXXX months in a row now. And their " customer service '' phone service is absolutely horrendous. After listening to several minutes of automated messages, most of the time I " mysteriously '' get disconnected. I even tried calling their " Consumer Ombudsman '' service yesterday and, after getting mysteriously disconnected even there the XXXX time, proceeded to leave a message though I doubt I 'll hear from anyone. 

I have demanded several times now that they immediately stop charging me this escrow charge and also reimburse me for previous months ' charges, with no response. I have tried this via email, official submission online, fax and phone.
send a large amoun t to JC Penny o m  XXXX   XXXX  of {$1100.00} dollars. Which they did n't decrease my total balance, also still have me pai d cash advance fe e which it was very small balance that could had been paid off with the large amount the interest amount was incorrect, also sent them a {$170.00} payment om  XXXX   XXXX  which the respresentative call me on fromthe Bank to pay, also explain to him what was going on and stated I have an attoney looking into this the respresentative ask for the name and phone number ofthe attoney but have not call him.
On X/XX/2017, I mailed a dispute letter to Experian asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.
I am a veteran and looking to purchase a home for my family. I checked my credit report as we are trying to make sure we have everything together for next years home purchase. I notice a collection from AD Astra that I did not recognize as something I would owe or to the best of my knowledge I do n't know what this was. I also did not recognize the amounts they are saying I owe. I did some research and decided to dispute the account with AD Astra in XXXX and also again in XXXX and never received any responses in the mail from them. It is very frustrating as I was expecting to hear back from them. I read online about the Consumer Financial Protection Bureau and felt like this was a good next step since I ca n't get AD Astra to respond. I even sent a dispute letter in a legal affidavit format to let them know I was serious about what this and wanted to get some kind of validation of what this was.
The Barclaycard Arrival Plus MasterCard account was charged fraudulently twice in XXXX 2015 for {$210.00}. This card was cancelled and another was issued in its place. Barclaycard did not cancel the debt but forwarded it onto the new account and called it a dispute. I have contacted Barclaycard by email and phone on numerous occasions without success. These XXXX charges were fraud and need to be cancelled as a result.
I sent a email to the XXXX website trying to get my loans back into administrative forbearance again. They didn't renew. I sent a couple emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting to extend my administrative forbearance again. No response My DTR is valid, should be processed in a timely matter.
Experian took all my privacy act information and credit card information online before informing me that they could not process my request for a credit freeze. 
Tried to call but no option to reach a human being. Tried the automated option over phone and once again entered my credit card information only to be told again they could not process my request.
Every year I have to battle to not have my property tax to be assessed so high to the point my escrow cant cover the charges. It has gone up every year and not by a little XXXX. My porperty and home are not worth the amount being charged.
I had to go out of work due to personal illness. The vehicle was sold at the auction and I told the finance company I could not afford to make payments and on a vehicle I no longer possess.During the time I had the vehicle it kept needing major repairs and the finance company would disable my vehicle and still expect payments. They have put the loan up for legal review and it was just sold at the auction in  XXXX .I tried to do a settlement for the truck last year and they refused to accept it.
On XXXX XXXX 2015, my Capital One CC was fraudulently charged XXXX XXXX times at the XXXX XXXX ( I do not have a XXXX account ). While the CC has ( temporarily ) reversed charges, they do not seem all that interested in investigating over XXXX of fraud. XXXX will give me no information and the local PD has taken a case report but is not investigating.
I closed an account with XXXX as I sold the home. Moved to XXXX from XXXX. Even though I gave my forwarding address, I never received any kind of final statement. I never even thought about it until I heard from XXXX a year later ( XX/XX/XXXX-XX/XX/XXXX ). I paid the bill immediately over the phone and expressed my anger that I had never heard from them before now. TSI told me that if I paid it would be not be reported. It is on my credit report ( as paid but late ) and costs me money as it affects my credit score. 
I have spoken to both XXXX and TSI. Each says the other is responsible and neither one has the power to remove this from my report as neither one placed it. 
I am very frustrated with the lack of resolution from a debt I would have paid had I ever received a statement and did pay over the phone once I heard about it! 
Help!!!
XXXX XXXX XXXX is showing XXXXXXXX 90 days late anXXXX XXXXXXXX 120 days late. XXXX XXXX is only 30 days why is it reporting 120 days also XXXX is showing 90 days late, the information is al over the place which make no sense it inaccurate, I have contacted Transunion they have up dated disputed information but this need to be corrected and remove, my account was service by one lender then it was sold to another lender I never been late. in my file it 's showing late 90/120 and with the same servicing co it showing no late paid as agreed applied for a auto loan with XXXX XXXX and was denied base on this inaccurate information serious past due with XXXX XXXX XXXX
I have perfect credit history and have never been default on any bills, mortgage or credit card payments until Ditech ruined my credit by changing my monthly mortgage payment amount starting XXXX XXXX which caused my usual payment to be {$45.00} short in XXXX. Ditech then held my regular mortgage payment of {$1100.00} as unapplied fund and charge me late fees without proper notice me in time to prevent late payment. <P/>I made extra payment immediately after I realized the payment change in early XXXX. But I was still flooded with collection calls and foreclosure and homeowner assistance letters. <P/>I was treated with no respect in most phone calls even thought I explained the situation and the fact that Ditech failed to properly inform me about the payment change prior and after the usual payment were made in XXXX. I found other good paying customers have similar complaints online ( XXXX XXXX XXXX ). <P/>A supervisor at Ditech customer service even firmly deny my right of dispute and told me it is no use at all to file a dispute. I feel I have no options but to log this complain with CFPB. Please help to address this concerns.
I applied XX/XX/2016 for American Express Personal Platinum with a bonus of XXXX membership rewards points. XX/XX/XXXX those points were awarded after I spent XXXX in purchases on the card. On XX/XX/XXXX the XXXX awarded points and XXXX points in my previous balance were frozen. I could not use them, spend them, or transfer them. I opened another CFPB complaint and AMEX responded stating my spend was not enough ( over XXXX ) to earn the bonus, which was false. I decided to close the card on XX/XX/XXXX to see if my points would unfreeze. They did, and I was able to buy a gift card. Then on XXXX XXXX I tried to use my points again and they were frozen. On XX/XX/XXXX I logged in to see I was negative XXXX points in my account which means AMEX took back the bonus I had earned. I called Amex on XX/XX/XXXX and the membership rewards person informed me that my spending had been fine, but that the personal platinum product was identical to my XXXX Platinum and therefore I would n't earn the bonus. The problem here is that the XXXX Platinum is not the same product, and the wording in my offer for the XXXX XXXX did not say anything about having only XXXX platinum card in your portfolio. Also, I received no bonus for the XXXX Platinum as it is a banking solution from my investments, and does n't appear to be tied to any other Personal Platinum product. After doing research I was informed that the XXXX are not the same product, and AMEX has stolen the points I earned for my first ever Personal Platinum product.
On XX/XX/2017 I paid off {$49000.00} to D & A Services and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to XXXX XXXX XXXX XXXX.
On XXXX/XXXX/XXXX I received an alert stating Penn credit Corp has reported a potentially negative item on my  XXXX credit report. 

On XXXX/XXXX/XXXX I placed a call to Penn Credit Corp and the representative was not able to locate any information.
Scott & Associates P.C ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/2017 letting me know that the law firm was representing XXXX XXXX for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to Scott & Associates requesting in writing a certification of the debt from the original grantor ( XXXX XXXX ). SSN  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and Telephone # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and SSN. I  file a complain with TX motor vehicle office, SS administration not give my information to any one unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my Job because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
Scott & associates file number is XXXX
I have a credit card with XXXX XXXX bank with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX is the only one that has removed this account from my credit report, XXXX and Experian have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.
On XX/XX/2018 I was contacted by Southwest Credit Systems to collect a debt originally from XXXX XXXX. During that communication I requested that the company desist attempt to contact in accordance with the Fair Debt Collection Practices Act. The company continued to attempt to contact me until I answered the phone again on XX/XX/XXXX. I recorded this communication with the collection agent 's permission. In this phone call, the agent indicated that my file had notes from the previous call, to include my request to desist communication. After being asked about the continued calls, she then stated that she saw no such record of a request being made, and that she had not ever said there was such a record. The recorded conversation proves otherwise. Southwest Credit Systems is not only violating the Fair Debt Collection Practices Act, but maliciously altering company records in order to do so. I wish for all communication to cease from this company, except for the permitted communication allowed under the FDCPA. Thank you.
I paid a XXXX XXXX credit card account that went to collections. I paid the account in full. I have disputed the status of this account with Equifax and XXXX as the account is still reporting as " late ''. I called XXXX XXXX requesting that the account status be updated to paid and was told they would review the trade line entries on my report. The acct is still showing as " late '' on both credit reports.
I was web browsing and clicked on an add from Lending tree about the HARP program. 
I clicked a link that said " Instantly find out if you are eligible '' I clicked the link and took a short survey. The link did not tell me if I was eligible. The link sent out all my info to lender for a loan. I was never told I was applying for a loan. Now I am getting called - pestered - by several different lending institutions. I never was told if I qualified for HARP. 
This seems very fraudulent to me as I was never told I was going to have my information sent out and I was never told what the original link specifically indicated it would do. Bait and Switch.
I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX   XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XX/XX/XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
To whom it may concern, About two weeks ago, I saw in my credit report a record like this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$260.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I realized " XXXX XXXX XXXX  '' was the apartment I moved out half year ago. But I never receive any notification about this payment. Not in the form or mail or phone call or email. I contact " XXXX XXXX XXXX '' immediately for this, it was a move-out fee. It was a reasonable charging and I emailed the check for payment immediately. But I do dispute the collection shouldn't be on my credit report for two reasons 1 ) " XXXX XXXX XXXX  '' didn't notify me properly. And I didn't receive my acknowledgement for this payment. And they turn it to " XXXX XXXX XXXX XXXX '' without my knowledge. 
2 ) " XXXX XXXX XXXX XXXX '' didn't notify me properly either. And I didn't receive any email or phone call. And when I try to dispute with them for this. They said it past the deadline I can dispute, since the account is opened on XX/XX/XXXX and this is XX/XX/XXXX. But how can I dispute a debt I didn't even know? 

To summarize, " XXXX XXXX XXXX XXXX '' didn't notify me properly on this, and they never got my acknowledgement until around XX/XX/XXXX. From that time, I tried to dispute with them, but they said it can not be disputed since it passed the deadline. So my right of being notified of the existence of the debt and my right of dispute is not being respected.
I am a customer of Bank of America. Went to BOA on XXXX NJ XXXX for notary services advertised as free services by the bank 's website. 
https : //www.bankofamerica.com/help/faq-financial-center.go The agent ( XXXX ) told me that they do not notarize letters. 
I missed my requested dateline for submitting the letter and had to go to a different bank on Tuesday and beg for that letter to be notarized. 
This is the second time that I have had notary services denied and had to open an account in a different bank to get services the first time. The first time I though it was because my letter was handwritten but this time they said it needed to be a company letter. I find the free notary service advertising to be false and misleading.
Before my loans were in repayment I was making payments on the loans, There is nothing that says I can not pay on my principal balance, and yes I am allowed to pay ahead with out prepayment penality. I my case I considered my payments being a penality since the payments would only go toward the interest first and nothing to the principal balance. Please remember I was not in repayment status at that time. Only now that I am in repayment does part of my payment go toward principal. Now I am receiving, " capitalized interest '' meaning, my interest is being added to my principal and I get charged interest in my interest. What? No Bank, credit card or other legitimate lending institution would be allowed to do this. One loan  XXXX   XXXX ,  XXXX  my principal and interest combined balance was {$5300.00} today  XXXX   XXXX ,  XXXX  the principal balance is {$5500.00}. How can a company that gives the impression it is a government based program, and I think it is, rip us off like this and do it to millions of people and continue to no matter what. I feel like my goveronment hates me ; make billions of dollars off illegal lending practices and I will get this paid off, NEVER.
Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. 

Sincerely, XXXX XXXX XXXX/XXXX/2016
The company " XXXX XXXX '' shows a first reported late date of XXXX. The vehicle had been repossessed and was in the possession of the creditor prior to this day. I have repeatedly disputed this with the credit bureau and creditor, as I want to ensure this is removed in a timely fashion when the seven year period of allowed reporting has elapsed in XXXX XXXX want the record either corrected to show first major delinquency of XXXX or removed.
On XX/XX/XXXX, I opened a HELOC with Wells Fargo Bank with the terms being 10 years interest only and after the 10 years would convert to a 30 year fixed mortgage. On XX/XX/XXXX this loan became a 30 year adjustable rate line of credit not a 30 year fixed mortgage. 

On or about the month of XX/XX/XXXX, I contacted Wells Fargo to discuss what I agreed to upon taking this HELOC because I noticed the conversion was not what I agreed to because this is not a fixed mortgage what was presented at the time of conversion was {$120.00} dollars plus some change would go towards principal and the remainder would be interest. 

After speaking with customer service about XX/XX/XXXX payments being received before the XXXX of the month the due date of XXXX of the month was changed to the XXXX of the month which is something I did not request and charged more interest Wells Fargo changed the due date from XXXX of the month to the XXXX of month on this HELOC and charged more interest each month. The interest on this loan is not Fixed It's adjustable, the loan is still a Heloc but no fixed payments. 

I have never received any payments from Wells Fargo settlements monies they where applied to this HELOC without my permission and then reversed my payments.
I have been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in  XXXX  that was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. On  XX/XX/XXXX  I sent in  3 bills, 2 water and one car insurance bill. I received proof that it was received. I w aited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on  XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
Why do you not pay attention? I made a second bank wire on XX/XX/XXXX. They still have not acknowledged receiving my XX/XX/XXXX payment. They have my money and have not applied it to my loan. Their bank XXXX XXXX acknowledge receiving it. And they have reported me " missed payment '' twice until I made two payments in XXXX XXXX. In my first complaint that they did n't respond to and you closed I submitted the three bank wire documents, the one with XXXX XXXX payment, the one with XXXX XXXX payment, and one from XXXX XXXX  stating they received the XXXX XXXX payment. Do I have to keep submitting complaints until someone at CFPB does their job? Who do I report you to? I will for the third time upload these documents in this my third complaint because you did n't do what tax payers are paying your salary to do. Make them acknowledge receiving my money apply it to my loan or give it back. If you will read and pay attention to the information on each document will see that there is a wire for XXXX XXXX and for XXXX XXXX and the third document is a response from XXXX XXXX acknowledging receipt of the XXXX payment. Something you and Rushmore refuses to do.