Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you CFPB for making me type this out a second time b/c your website kicked me off. Royally XXXX off after 2 hours of writing already. 

This is me writing you AGAIN because the last time I came to you absolutely nothing happened. In fact my situation is 10x worse. 

I contacted you guys back in XXXX of this XXXX about XXXX. They have been impacting my life profoundly but I guess that wasnt enough. In fact I am here to complain about XXXX, XXXX XXXX, XXXX Experian, and XXXX. Because I have repeatedly contacted every single one of them I about this continuing issue and nothing is being done to this day! 

I have been laid off of 3 jobs in the span of 6 months. And have been in the hospital with major health issues to where I have XXXX XXXX XXXX XXXX XXXX ... but none of this has meant XXXX to anyone. For over a year and plus some, both XXXX XXXX XXXX XXXX have slowly ruined my life. Back in XX/XX/XXXX I lost my third job. My third nightmare of a job. 

My first job that laid me off was at XXXX XXXX XXXX and the CEO had daddys company given to him and was a complete spoon fed XXXX XXXX who apparently liked hiring and firing teams after 30 days and making my creative directors life a living XXXX. 

My second lay off was XXXX XXXX. In XXXX and actually the worst job to date. I worked under a branch manager who was a verbally XXXX XXXX XXXX XXXX with a massive XXXX  XXXX who later threw me under the bus after she took a 3 hour lunch break and then proceeded to commit a XXXX XXXX XXXX with me in the back of the van terrified with no seat belt or even a seat! All of this after I begging her to let me drive and she treated me horribly in a bar when I didnt want to drink and was concerned about time. She then after committing the hit and run almost crashed into 2 intersections. 

Oh, did I not mention this was with a company car while she was driving us to a high school for a XXXX XXXX midday? Not only did she pin that on me but my boss who acted like her mother actually went along willingly with it. I literally went all the way up to the district attorney and nothing was done. 

My third job was at the XXXX XXXX XXXX in XXXX where I was CONSTANTLY XXXX harassed being the only XXXX in a garage style environment. On top of that I was being told by my boss with major XXXX syndrome how I do nothing right when in fact his machines were a living nightmare and literally not one person knew how to fix it or was too arrogant to even show me. I was appalled by the entire lack of professionalism from day one. 

My boss XXXX was a miserable person who treated his customers like dirt, his employees like dirt, and the fact that he let the HR manager XXXX get away with XXXX harassing and bullying me and 2 other XXXX customers, but allow him to stay is beyond me. Meanwhile he made make his lacky let ME go ... on my birthday after I landed them a ton of design clients and claimed they werent making enough profit on design work and dissolving my position. Cute. But sure boss, this probably has nothing to do with how unreasonable your pricing is or the fact that you have bankrupt this company 3 times before I even came into the picture. Good luck buddy. 

As you can tell Im not bitter at all by the XXXX sandwich I keep continuously getting handed. In all seriousness I reported all of them to authorities too simply because I didnt want ANYONE to go through what I had. Strangely not one person did a thing about that either. Not even the cops for the XXXX XXXX XXXX. 

Meanwhile, as all of this is happening I had started getting medical tests done after XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX ... by the time I was let go from XXXX, I had lost a XXXX XXXX XXXX XXXX ... Im still getting sicker with more serious XXXX and not a single doctor can tell me why. 

And on top of this entire living XXXX cake XXXX XXXX and XXXX are still doing whatever they feel like with my life and money. And now that I have no money, they just enjoy making life XXXX. 

After loosing my 3rd job in XXXX I called both companies immediately telling them my situation. I begged both of them to help me and allow me to go in forbearance with my loans until I had a stable enough job. Both gave me someone who was utterly clueless. 

Their responses were almost identical and equally XXXX. Uuuuum yeaaah you are already in a forgiveness program soooo you cant two programs at once. I responded with I realize that and thats not what I am asking for. I am asking to be taken out of the forgiveness program and be placed into forbearance instead. After that I received a long pause and then, Yeaaaaah noooo, you cant do two programs at once. I sharply inhaling through my nose already getting incredibly irritated. 

Look, I can not pay you if I have no income. I am paying you people for the education I required to make said income. This is a hardship and I have every right to be put on forbearance. I cant afford to pay for a degree that keeps landing me in unemployment! Then theyd lazily reply, Uhhh okay, let me look at you account, and Id hear them clicking away. Then I get the air-headed statement that sends me into an absolute rage. 

Ooo it looks like youve been late on payments since ( random date ), you should really opt into auto pay to avoid that from happening. How would you like to pay today? Thats the point where it literally takes all my strength not to scream into the phone, I JUST TOLD YOU I WAS IN THE PROGRAM YOU XXXX and asked for a manager instead. 

Just as a massive precursor, I have had to call both these companies on average AT LEAST 2 times a month per company. Every month they have consistently, without fail, have had me in their auto payment program. Yet some how, magically, have yet to acquire a single payment on time when there was always more than enough funds over a span of 2 weeks! 

Every single month I would literally sit and watch them take the payment out of my bank account. Id call and make sure everything was fine. Then 5 business days later they would put it right back in my bank account and claim there were not enough funds. I changed banks I change everything variable and thing that I could to keep this from happening until it became abundantly clear that is was being done purposely on their end and their end alone. And they were doing it to prolong the life of my loan and collect my fake late fees for profit. Both companies are belligerent, disorganized, and a nightmare to deal with. 

Every time I had to call them and ask, what the XXXX happened this time? And I was given the same XXXX excuse. And every time I had to sit on that phone for an average of 2 hours per phone call and go through the firey ring of garbage I always had to. 

And every time I always get some little judgmental snot on the other end who hasnt a clue what they are talking about and telling me what I should do and then I am passed around person to person having to reexplain my situation multiple times. 

And the part that XXXX my off the most is half my phone calls go completely unrecorded and nothing is noted. I have even caught them keeping the important parts of a conversation that could help them and deleting the rest of the conversation that may hurt them. 

They are the sleaziest 2 companies to be earthed and legalize. It has gotten so bad that I have had to learn to keep a notepad for every time I call these people. I write down the date, the duration of the call, employee numbers, their names and what was discussed, even the fake XXXX confirmation numbers that multiple employees have stated, mean absolutely nothing. 

So after being put on hold for a manger that strangely is always a 40 minute wait. I final got to a manager and explained my frustration. I am told by both that Oh Im sorry to hear that, I have no idea why they said that, i can do that for you! All we have to do is take you out of the program and put you in the other! All we need is a good faith payment of {$50.00} per loan and we can get you signed up. How long do you need your forbearance for? 

At this point I was a bit more relieved thinking Thank XXXX I dont have to deal with these people for 3 months. Its like XXXX! I can get a job and refinance with someone else before they make my life XXXX again. After 4 hours on the phone with each I sat down and felt a shred of relief before having to change my bandages for the 100th time. Not even 2 minutes after, I received phone calls from XXXX XXXX asking for payment. I admit I very crudely told them to buzz off after explaining how I had just been on the phone 2 hours with them and asked to remove me from their call list. 

Later the next month I contacted you about XXXX. They were the first to go take payment out when I had already paid them forbearance. Shortly after I filed a complaint and nothing happened, XXXX XXXX then decided to do the same and I didnt report it because I didnt appreciate that nothing was done for Navient and explaining it takes a good while But now I have reached a frankly dire situation and am beyond desperate ... I am getting sicker and I am basically homeless. My unemployment is a XXXX joke and as I told both XXXX XXXX and XXXX before, I am unable to survive without the money I am given. 

I am still trying to medically stay in one piece and that involves tons bandages, medical treatment, and medicine. Adding to that, I am trying to pay for gas for interviews, on top of this I have credit card debt I too have obligations to pay. I am so broke I couldnt buy a movie ticket ... 

But none of this matters to them. On the day I filed my last attempt at requesting forbearance I was crying hysterically pleading for relief from Navient which I also did with XXXX XXXX later on. XXXX treated me horribly. As I was telling them my situation while in agony from my XXXX and telling them why I cant pay, I could actually hear the person I was taking to tell another, listen to this put me on speaker and in the background I could hear the muffled laughter of another male and female coworker listening in. I pretended not to hear it but it still bothers me to this day. 

They didnt care. They never will care. I am about to be sued by a co-signer who is my ex and not one person cares that I am not the person responsible for the late fees. Eventually I reached a fevered pitch in the phone call, Im getting a lawyer! I immediately called the XXXX, the CFPB, financiers, bureaus, financial aid advisers, loan officers, my college, XXXX, XXXX. I even called the XXXX XXXX XXXX for a reference of all lawyers I could call ... I called the whole list. Not one person could help or made a difference. 

In fact things have gotten worse. Now as I am trying to get back into employment with that my health is somewhat manageable, I can not do a single phone interview without being unbelievable harassed while doing so!!! Yesterday was the worst yet. I received 47 phone calls from XXXX up until XXXX. Some calls were back to back up to 3 times in a row. I could barely focus during my interview. 

They were all different phone numbers but shared very similar number patterns and structures. But I refused to answer them. Why? Because they are nothing but pure harassment with no purpose further than that. When I called them back earlier this morning to see which calls were from whom in order to call back and complain, all 47 calls were automated. None of them had a contact name, no message, no way of knowing who had called or how to contact them back. 

My cosigners are also receiving them and are furious and starting to break down from the stress. Not only have these companies reduced my cosigners credit to rubble with XXXX claims of late payments every 30 days, but now my cosigners are now being ruthlessly harassed. 

My parents who are the majority of my cosigners are barely making by. My father works, no joke, 12 hours a day at the most miserable job on earth and currently has a XXXX XXXX. My mother is managing a bunch of XXXX  students and struggling to help my sisters with their loans too. 

I have called and reported these false claims made monthly to all 3 credit reporting companies. Not one of them has removed any negative reports! They havent done a XXXX thing! They continue to let these companies file wrongful submit reports and do nothing!!! My credit score last summer was XXXX ... it is now near XXXX despite my best efforts. 

XXXX XXXX and XXXX? If you are reading this you are both gigantic pieces of XXXX .... what kind of companies do this to their consumers. What kind of XXXX call and harass someone, who is trying to interview, in order to gain employment, so they can pay the loans you are harassing payment for? How disgusting low do you have to go ... I dont care what you tell the CFPB, I know exactly who those calls are from. 

You seriously dont think a person who calls you THAT much wouldnt recognize the fact that you have major billing and debt collection offices in those locations and listed on your site? I knew immediately who it was even if i was listed as some bogus location. Why? because that is the exact same dirty- no, downright greasy tactics you use as both your entire business models!!! 

Not once did you people respect me or do right by me. NOT ONCE did you do your XXXX job honestly as you claimed to do! You are the reason I am homeless, you are now also the reason I am struggling to become employed. 

Did you seriously think my employers wouldnt look at my credit score that you have single handedly rip in half? Did you even consider how they view me as you harass me constantly through interviews hustling me for payment on YOUR mistakes and dishonesty!? Have u ever considered for once in your entire life that what you do to your borrowers will impact your future clients ... 

Oh thats right, you have. Because you have an entire generations worth trapped in a Forever Loan one lawyer described it to me perfectly ... 

You get your money until I die, because the amount Im paying will keep that loan alive not making a fraction of a dent, allowing the interest and overall amount due to growing until its nearly doubled by the time I die. And by then when I am gone ... you start draining my kids or siblings because lets be honest, you dont care where the money comes from or whose lives you ruin as long as you get it right? 

You have victimized every student who has been told they need an education by their parents, the ones you sold this sick little idea to. You have the entire world hating us. Our parents generation and older, hating us. 

They look at kids like us ... us millennials as spoiled brats. That we dont bust our XXXX every single day just to keep employment. They constantly say how we expect things to be handed to them and I think thats hilarious given my particular situation! All I want is a XXXX job and not having a loan shark, one that I never agreed to, run my entire life. 

You think I lost those 3 jobs because I was lazy millennial? You think I got tossed out like trash because when it came to work I didnt feel like it? I worked in miserable conditions for people who treated me terribly with a smile on my face just so I could pay you disrespectful jerks to get off my back ... I use to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX Line, I XXXX XXXX XXXX XXXX XXXX XXXX at age XXXX, Ive always tried to work 60hrs a week with no health benefits or vacation or even extra pay, do seriously think Ive ever been fired in my whole life? Are you foolish enough to think I wouldnt have done anything to keep employment? 

I have given my employers more work then they frankly deserved for the sake of making them never consider loosing me. And this? This is the respect I get back? This is how I am treated? By my bosses. By you? 

I admit my employers were terrible people and they are to blame in large part of my current situation. NYs laws on what small companies are allowed to do in terms of employees on the topic of hiring or firing is criminal. I was told I was an incredible worker and I was still let go never being given a reason ... after I begged for one. 

But both of you, XXXX XXXX and XXXX, you refused to treat my situation with a shred of compassion and understanding. Both of you saw what you wanted and that was an opportunity to make more money instead of act like decent human beings. I called to you for help in a desperate time and you took full advantage of it. 

You BOTH should be ashamed beyond words for the spots you have put people like me in. I have seen college kids die before they even use that over priced education and you soak their grieving parents for it with out hesitation. You dont deserve their respect or mine, and you sure as XXXX dont deserve my business or theirs. 

I realize how long this response is and frankly I dont give a XXXX anymore. Because I will say what needs to be said and I am tired of being ignored by you!! It is because of you that I have reached this point! And it is BECAUSE OF YOU that my chances of a job are now dwindling! 

How dare you get in my way and hurt my chances of me getting a job when you harass me for my money! 

When I do get my next job, and I will no matter what you dirtbags do ... I swear to XXXX I will bring you to court for what youve done and I wont ever forget it ... and I will never forgive you for it.