WillisBack/dataset-financial-user-claim huggingface dataset:
My credit has been ruined by Navient/XXXX. I experienced a difficult time obtaining a home loan. Since the beginning of XXXX, XXXX XXXX at the time, did n't want to work with me to find a viable payment plan. They just kept asking for whatever was due for the month and told me the only solution was to do a forbearance if I wanted any relief. I told them my situation and that I was n't earning enough to pay the amount they set for me. I was right out of school and they were forcing me to pay almost XXXX of my monthly income. I never missed a payment, I just could n't pay the whole amount in XXXX. They then placed my loan on default status and I was sent to collections in XXXX. I maintained a good record up to this day, but the first year in XXXX, my payments were n't being applied, the amount just kept going up each month. Now my credit report shows I 've been deliquent, despite making monthly payments.
1. Debit Card holder of Charles Schwab Bank XXXX card. NO foreign transaction card, with all ATM fee reimbursement. 
2. XXXX XXXX, 2015, ATM/DEBIT transaction in XXXX, XXXX, at XXXX Bank XXXX XXXX XXXX. 
3. Charged excessive fees on debit transaction. 
4. Schwab has FAILED to provide full breakdown of all fees in over 90 days of repeated requests. 
5. Schwab XXXX of XXXX CAN NOT determine after 90 day investigation who OVERCHARGED the debit transaction. 

6. DEBIT charges are automated which means numerous FRAUDULENT charges are made against many innocent companies. 

7. XXXX WILL NOT COOPERATE nor allow me to contact them. 

8. SCHWAB refuses to provide their XXXX relationship manager!
XXXX XXXX 2017 I.C. Systems Inc. reporting to my credit negatively. I do not own this debt. I do not have XXXX and never have. I am requesting validity of this debt because I do not own a XXXX account. I want signatures and any pertinent information that proves I own this debt. This debt is not valid.
Credit Reporting Agencies TransUnion is reporting a bankruptcy incorrectly. I have disputed it 3 times and they confimed that they verifed the information through the consumer. So I contacted the consumer which is the XXXX XXXX Clerk of Court and they indicated that they do NOT supply credit bureaus any information nor do they have any procedures for verifying information with the credit bureaus. I have attached a copy of the letter from the Clerk of Court below.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of  15 U.S.C. 1681. Y ou are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify these accounts and add to my credit profile? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      Blacks Law Dictionary, 9th Edition, 2009, defines    Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Re-investigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Name of Account : Provide Physical Proof of Verification : Bankruptcy Unverified Account On removal of the above noted accounts please provide me with an updated and corrected copy of my credit report showing that these accounts have been removed.       Thank you,  XXXX   XXXX   XXXX
XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Sent me a letter dated XX/XX/XXXX The letter said that my credit card account ; which I had for 8 years prior to this letter had  been canceled because of a low credit score. This made the credit card impossible to pay on line or by phone and I personally think XXXX XXXX did this to exploit me trying to get my credit problems taken care of at time. They also gave my address to my business partner, his Lowes card had the address XXXX XXXX XXXX XXXX ; XXXX. Even though when I called them in XX/XX/XXXX XXXX XXXX has not addressed any complaints we had and basically the last bill was three times the balance before XXXX XXXX made it impossible to pay them. WHAT A SCAM IM GOING TO FILE A COMPLAINT ON THE FEDERAL LEVEL TOO.
On XX/XX/XXXX, XXXX XXXX XXXX place an item on my credit for the amount of {$660.00}. I am not aware of the creditor. I have never received a telephone call from the collection or creditor. I also research and they are not licensed to collect in the state of Louisiana. This company has impacted my credit in the middle of me purchasing a home. This is unfair and injustice.
I bought a Mobile home on XX/XX/XXXX with a mortgage loan from Greentree. I have paid my loan every month since, always early or on time. ditech assumed the loan from my old mortgage company. I continued to pay early or on time. The loan is an 8 % simple interest loan so I pay the loan on the XXXX of the month instead of the XXXX of the month when it is due for a potential interest savings. I was even paying an extra {$200.00} a month towards principal for a while until ditech started posting payments wrong and I noticed a big fluctuation in the amount of payment that went to interest. Since XX/XX/XXXX, there has been a continually problem with posting my proper payment to my account. I repeatedly have to call to get it straightened out because they post it to the principal or interest and not the monthly payment. It takes repeated phone calls with assurances that it is fixed and then it happens again in a month or two. Since the problem is still happening in XX/XX/XXXX, I now write down when I call and who I talk to. I called XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX. I was assured the problem was fixed, notes made to the account and safeguards put in place that my payment would only be applied to the next due payment. This did not happen. I have been turned over to collections twice for overdue payments and receive a call today ( XX/XX/XXXX ) from XXXX notifying me they are a debt collector for ditech. That would be fine but I have never been even late on a payment, much less missed one. I pulled up my account on-line with ditech and see the payment they received on XX/XX/XXXX went entirely towards interest and they are showing no other received payments. The reality is the XX/XX/XXXX payment was for XX/XX/XXXX and should have been posted so. My XX/XX/XXXX payment went out on XX/XX/XXXX and they will receive it on or about XX/XX/XXXX. My interest rate in XX/XX/XXXX was {$150.00}, in XX/XX/XXXX it was {$440.00}, and in XX/XX/XXXX it was {$500.00}. These are the things I have called about and fought to get fixed. The interest rate is always dramatically different when it is a simple interest loan and I pay the same day of the month. Should n't it be close to the same amount each month? I have wasted countless hours on the phone straightening out this mess on a repeated basis and it just happens again. Customer service tells you it is fix but it never is and fight with you when you want to talk with a supervisor. No consumer should have to be subject to this type of treatment from a loan company, much less a customer that pays on time.
My son is XXXX, in the XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.
I sent three letters to XXXX  TransUnion, XXXX, to verify the information on my credit report but they never sent me any verification I need to know how are they Verifying this information?
Original creditor was included in XX/XX/XXXX Bankruptcy-see attached XXXX XXXX which shows original creditor. Bankruptcy was discharged -see attached order.

In XX/XX/XXXX, Midland purchase this debt that was discharged thru Bankruptcy in XX/XX/XXXX.

They have been asked to provide debt validation and refuse to do so.

They have been provided with XXXX XXXX and discharge and refuse to remove
My credit report says that there is a credit card that has been open since 2002 when I was seven years old. There is no way that I applied for this card. The report says that the card is managed by DSNB and Citibank. I have not received any bills and was told by the customer service at Macy 's that there is no credit card in my name. Without access to the account number I have no means of closing this account. I am stuck in a situation where my identity and finances are at risk. I am scared that they will pursue me for purchases that I did not make and services that I do not want. 
I did an online search and found that I was not the only person in this situation. I desperately need help to close this account and to find out if any automated charges were made and to recollect any losses if possible. 

XXXX
In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.
For the past few months, I have gotten phone calls and at least XXXX letters ( dated XXXX XXXX 2015 and XXXX XXXX 2015 ) from an outfit called Meridian Financial Services , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, phone numbers : XXXX XXXX. It turns out that this is a Timeshare company and they claim I owe them {$600.00}. I do n't owe these people anything. I 've never owned a timeshare and never will. They 've called me at home after XXXX and they 've called me early in the morning. 
I 've told these knuckle-heads that I do not own a timeshare and to take me off their calling list. And each time they say that they have removed me, but a few days later, I get another letter or call. 
The last time I talked to someone named XXXX and I also talked to the someone who claims to be the Account Manager : XXXX XXXX. I was not very nice to them and I demanded that they stop writing and calling me. I 've had it with these clowns.
Upon pulling my credit report from the reporting agencies, I 've noticed an account placed with AFNI with the original creditor being XXXX XXXX. I 've never had XXXX XXXX, as I 've been with current provider for more than 10 years.
I have contacted Experian regarding the inquires that I did not authorize and they refuse to investigate/verify and remove them. The credit inquiries are as follows : XXXX-XX/XX/2017 XXXX XX/XX/2017 Please remove these credit inquires from my credit report.
Several certified notices were mailed to the credit agency asking for remarks to be added to the XXXX XXXX file in my report. The original creditor dropped this debt and collection agency is still continuing to report a debt I do not owe. Until the agency is able to sucessfully remove the item from my file I am again requesting the following remark be added to my file. Debt dismissed by original lender.
Obtained a zero interest promotional from Rooms To Go serviced by Synchrony Bank. I have incurred late fees and interest charges every month since the inception of the loan despite regular early and timely payments. I have had to spend between 45 minutes to an hour and a half every month to have the charges reversed. Based on my numerous discussions with customer service representatives, the fees occur due to the " timing '' of the payment processing and their systemic limitations to process early payments. In order to avoid fees I have doubled payments in some months, changed my bill submission dates.. etc ... I am unable to avoid the fees no matter what I do unless I call in and escalate to multiple supervisors. I simply do not have the time to dedicate to reversing the fees every month. This month I have a balance of more than 10 % of the original loan value. I do not know if they will waive it. I have grown fatigued with calling in every month.
I just called Navient today, XXXX/XXXX/17 to see if there was a way to lower my monthly payment as I am in XXXX. I was told the pay as you earn could lower my payment and still qualifies for Public Service Loan Forgiveness, repeatedly. I did some research online and called back to make the change to the new payment plan. A different operator said I was given bad information that my loans do not qualify for the payment plan and in fact most of my loans do n't qualify for public service loan forgiveness. In tears I hung up with the operator. I have been paying on my loans for about 4 years and have never been told my loans do n't qualify for PSLF. In fact, I have asked and been told they do. I have had numerous conversations with Navient about PSLF regarding loan qualification, qualifying non profits, breaks in payment, details on filling out the PSLF form, etc and they have never told me my loans do not qualify for PSLF until today. For my loans to qualify now I would have to consolidate them but it will start my 120 payments over from the beginning. Nobody ever told me this and I asked about it repeatedly over the years. I am waiting on a report from the third person I spoke with today, but I have paid well over {$9000.00} and they now tell me very little of it will count towards Public service loan forgiveness. I am not even sure what type of loans I have now but only XXXX small ones are direct federal loans.
XXXX University They are holding my degree Because they said I own the school {$5000.00} Has per by student loans And the Department of Education my loans are all being discharged Borrow defense discharge loan Plus I dont own the school The school is being discharged all students loans who attend XXXX Because base on misleading students On education process
Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident.
Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock.
I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.
Ally Bank Has Criminally Financially EXPLOITED me Via a non consensual Fraudulent Automobile Loan Wherefore they forced ( 2 ) Two Test drive vehicles they forged in the Financial Invoice as a LEGAL Transaction. I have one test drive vehicle to DATE since the Fraudulent Sleazy Con Artist Job in Conjunction with Ideal XXXX XXXX XXXX On XXXX XXXX XXXX MD. I traded in my beautiful mint condition XXXX XXXX XXXX XXXX, requested a XXXX XXXX XXXX XXXX trade in. XXXX Was obliterated from my Customer Request & launched out with a XXXX XXXX XXXX I NEVER bought or agreed to concur to the purchase of. I clearly stated with the flyer ad from the ideal XXXX XXXX XXXX that the {$7000.00} Off any vehicle there I wanted ONLY the XXXX XXXX XXXX XXXX  With my {$7000.00} discount flyer. The dealership & Ally Bank Have, to DATE, financially EXPLOITED me with a cheap XXXX XXXX XXXX, worth {$7000.00} & I Was Wrongfully Financially Exploited For ( 2 ) Two Test drive vehicles. The XXXX XXXX XXXX XXXX the Dealer Told Me to test drive while they tried to call find a XXXX XXXX XXXX XXXX For me XXXX 2013. I Was financed Fraudulently by Ally Bank for a XXXX XXXX XXXX " Recall '' & the XXXX XXXX XXXX I NEVER requested to purchase. Ally Bank owes me for financing 2 test drive vehicle models I Was ONLY Test driving as they Demanded I Try the XXXX XXXX XXXX while they looked for the XXXX XXXX XXXX I requested to distract me Obviously, knowingly. They kept my mint condition XXXX XXXX XXXX & did n't get Credit for it on Wrongful Fraudulent transaction 4 financial Fraudulent invoices I 'm paying on with Fraudulent Ally Bank. I DEMAND a 100 % full refund of Fraudulent Auto Loan For 2 years I 've paid for & my value of my XXXX XXXX XXXX XXXX from Ally Bank ASAP.
Unfortunately back XX/XX/XXXX I fell behind 2 months on my mortgage. I attempted to get caught up but the lender refused to take my payments and wanted a full repayment which I did not have at the time. So instead of getting back on track, I was forced to fall further and further behind. I have been submitting documents to Amerihome since XX/XX/XXXX for loss mitigation and foreclosure alternatives. I have supplied endless amount of documents and requested information all in timely manner. I have been told several times my file is in underwriting only to be told additional information is needed. On XX/XX/XXXX a representative informed me that the sale has been placed on hold and my file again was in underwriting. When calling back Friday XX/XX/XXXX, I am now told that the file was never being reviewed and the sale is now in fact active again for XX/XX/XXXX although a bankruptcy was filed on XX/XX/XXXX. Not only did Amerihome Mortgage acquire the debt of my loan AFTER I was already in default, they proceeded to file a Notice of Trustee sale while I have been in an active loan modification review since XX/XX/XXXX. The notice was filed in XX/XX/XXXX, clearly violating HBOR laws and dual tracking. I am now facing a foreclosure and forced with no other options because I am repeatedly lied to by this company.
I just filed a complaint and Im highly unsatisfied. Transunion removed inquiries and placed them back on my file without notifying me and this is against the law. I expect them to be removed. Now since I previously filed my complaint I will not list the inquiries again. They need to do their due diligence and remove them or I will file a complaint with the attorney general
I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}
I took out student loans with XXXX XXXX financial to help cover my college tuition. 
The loans were later converted to Navient. After repaying on the loans for over XXXX years I saved enough to pay off the account. In order to ensure that the payment was handled properly I called their customer support line and their agent informed me of the payoff amount as of that day and that it could take up to XXXX days for the account to show paid in full. I made the payment at that time per their instructions for the posted amount. 
After XXXX days I have now been informed that they will not show the account as paid in full for up to another XXXX days for the account to show as paid in full. Please note, they changed the terms of their agreement XXXX days after the payment was posted and now claim they have up to XXXX days to show an account as paid in full. 
The loans in question were for XXXX University and the University XXXX.
XXXX could not write this : On XXXX XXXX I asked XXXX XXXX XXXX to send me a new order of checks as I only had one left. 

On XXXX XXXX without my authorization or knowledge my check account and my brokerage accounts were closed! The money in my taxable account without my authorization or knowledge was withdrawn by XXXX XXXX XXXX and a check was allegedly sent to me that I have not received! I objected to my accounts being closed! 

Mr. XXXX XXXX from the consumer advocate 's office told me on XXXX XXXX that both accounts had been closed but were now open again. 

I checked my accounts on line this morning, XXXX XXXX, and discovered that there was no taxable account. I called Mr. XXXX who told me that myh accounts had again been closed! I protested. He called back later this morning to tell me that my accounts were open again! 

This is a comedy of errors that must never be repeated either for me or for anyone else who is a costumer of the XXXX XXXX XXXX XXXX XXXX XXXX. 

I still do not know, in fact, if my accounts are open or closed or if they will be closed again without my authority or knowledge!