WillisBack/dataset-financial-user-claim huggingface dataset:
* All the information regarding this case such as the credit name, account info, creditor name and more are in the attached file. 
* It is all started after XXXX offered me {$3000.00} credit card to be used by me. 
* XXXX did not send 2 statements ; I called them and ask them to remove the late fees for those statements ; but they refused. 
* I did I asked them to close my account immediately ; I told them I need to pay all the balance for the purchase so I can close my target account ; then I paid the amount using my debt card ; then They told me at that time they are closing it, and I do not owe them any thing for any purchase. 
* I called them later on to see if they can remove the late fees ; but the person who answered me refused, looks like I was getting the same person before ; then I asked that person if my account is closed ; the person said no ; then I asked that person to close the account ; I did check with them later on to see if the account was closed ; but it was not ; * I did reach Experian, XXXX and XXXX credit agencies and dispute the ( almost {$54.00} late fees ( I am not sure exactly now, but it was $ XXXX ) ; and I asked them to close the XXXX account ; because the target are refusing to close the account for me. 
* Later on after the account was supposed to be closed on XXXX of XXXX ; target was charging me almost {$40.00} for late fees and interests each month of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ; and report that I am late 30 days late to pay for XXXX XXXX, 60 days late to pay for XXXX XXXX, 90 days late to pay for XXXX XXXX ; and 120 days late to pay for XXXX XXXX ; and they are still going with their same process. 
* I dispute this issue almost 3 time with the credit reporting agencies. 
* The attach file has some for those statements for { XXXX, ..., XXXX }. 
Credit report agencies claim that the process of their dispute is to send electronic a-mail to target asking them if I own them any money, and if they said yes, then they can not remove the charges ; they recommend me to reach to the Bureau of Consumer Financial Protection. 
* Please let me know if you need any further information regarding this issue. 
* The following are my contacts : XXXX XXXX XXXX XXXXXXXXXXXX
Nationstar Mortgage is the servicer of my home loan.I have been unable to get any information or answers from at least four loan specialists.I want to know 1 ) Who owns my loan-XXXX is the Trustee and they just had a $ XXXX judgment in favor of the American consumers.I may be eligible for some of that.2 ) The specialists also have not given me any alternatives for when my modification ends in XX/XX/XXXX.I have sent them six communications with all pertinent information and so far all they say is that I will be paying $ XXXX/month starting XX/XX/XXXX.This is totally unaffordable and this is my primary residence.Can you get someone at Nationstar to help me.
I was sued for XXXX and appealed it. We went before another Judge and she set the plaintiff 's award at XXXX which was paid at the clerk of court in XXXX county N. C. on the date that it was to be paid. I called the clerk of court after seeing that there is no record of me paying it and she told me they did not report the judgements in any way. I am confused and would like to know who did and why they have not shown that it was paid. I want it removed. XXXX XXXX XXXX
I have contacted Capital One by registered mail on XXXX separate occasions since XX/XX/XXXX, requesting a validation for account. The first being delivered and signed for on XX/XX/XXXX, On all occasions, they failed to provide the requested documentation, information, or to notify credit bureaus of the dispute. 
All steps followed CFPB examples and Capital One failed to properly validate and send me all of the documents CFPB indicated I could request. 
On all XXXX occasions they failed to notify any of the XXXX major credit bureaus that account was being disputed by consumer as required by law. 
After my XX/XX/XXXX letter requesting validation, not only did they fail to notify any of the credit bureaus that account was in dispute. But in possible retaliation, on XX/XX/XXXX they notified XXXX the account was over credit limit again. This over limit was reported by Capital One to the XXXX credit bureaus in late XX/XX/XXXX, and the account according Capital One has been closed since XX/XX/XXXX. 
In XXXX I made an on-line dispute through XXXX in regards to a separate issue about this account. At that time the dispute was reported by Capital One to XXXX and XXXX as account being disputed and that dispute was resolved. However, it was not resolved or investigated. 
At the time of the filing of the online dispute, XXXX was NOT notified this account was being disputed.
This is in response to the lawsuit filed against Navient regarding their practices. 

About a two years ago, due to finally having decently steady employment, I reached out to Navient in order to get on an Income-Based Repayment plan. During this process I ended up having to speak with around six different people on six different occasions, often receiving contradictory advice.
The first one said that my repayment options were limited to two particular plans ( both being much higher than the others offered ).
I called back a week later, not happy with the previous conversation, only to be told by a different Navient employee that all I needed to do  was fill out this particular form online, send it in, and I would be approved for the more reasonable repayment plan. I did this and received a notice that I had been rejected/declined from that repayment plan. 

Due to this I was a bit confused and called Navient again. I spoke with another Navient employee who told me I should have been approved and to do the same process again ( fill out the form online and send it in ) and it would go through properly this time. The employee stated that is was likely a mistake in the system and that they would get it fixed. I again filled out the online form and sent it in only to again receive another denial letter a week or so later. 

I called back a fourth time, frustrated and confused. In speaking with another Navient employee I was told that I needed to resubmit the online form again but this time with some extra information requested. I was assured by the employee this would be sorted out this time. Again, about a week later I received another denial letter from Navient. 

I called Navient for a fifth time and spoke with another Navient employee. That employee said something along the lines of, " I do n't know what those other people were talking about, you are not eligible for the repayment plan you are seeking. '' Finally, very frustrated and confused I called back a sixth time and elected to defer my loans for a year because I could n't afford the payments Navient was expecting. 

Earlier this year I call back to Navient seeking the same IBR plan I had been seeking previously and I was easily accepted onto it and have been paying based on it for a number of months.
I sumbitted a dispute for inquires listed on my credit report dating from XX/XX/2017 and prior to Equifax on XX/XX/2017. It has been longer than the required 30 days for the investigation to be completed and it still is pending. I 'm asking for these inquires to be removed as this is damaging to my credit.
I receive notification from my identity theft protection account that a new account was open under my name. I researched what the account was there was no account number so I contact the company, XXXX XXXX  XXXX, by written form via the United States Postal Service seeking information. Not only did the Collection agency disregard my second letter but blatantly refused to stop all efforts and remove this an accurate information from my credit report. I have now stated to them twice via writing that the information that they have is false or in accurate. I did not know, I did not give permission for somebody to use my own personal information to open an account. I was not aware of this account existed. I follow the process set up by the United States government yet this entity feels they are above the law. 

I hereby come to you today to hold this company accountable and audit their record management keeping and their processes and hold him legally responsible if they have violated additional laws.
I had paid XXXX XXXX for several years for removing credit reporting errors on credit reports XXXX XXXX completely ignored XXXX XXXX in their efforts on my behalf. 

Apparently XXXX XXXX doesn't do anything on XXXX XXXX reports. I was denied credit from XXXX XXXX XXXX from a report from XXXX. 

When I filed a complaint with XXXX, about this, I was eventually sent a form from XXXX. ( XXXX XXXX ) And also received a report with no information included as to why my credit was denied.
In 2002, while I was XXXX a bank that is now known as Wells Fargo issued a home equity loan to a third party and used my property as collateral. This third party showed no ownership of this property located at XXXX XXXX XXXX XXXX in XXXX, XXXX Wells Fargo is now foreclosing on this loan. I tried to address this situation through their fraud department with no success. They ruled against me and totally overlooked the facts that i could n't have signed for a loan because of my whereabouts at the time. They have n't allowed me to negotiate a fair outcome because the loan isnt in my name.
I had a loan with Freedom Mortgage ( Loan # : XXXX  ). For the past 4-5 months I have been going back and forth with them about notices I had been getting for a late payment. I called them 5-6 times and showed them bank records proving I was not delinquent and they kept telling me that I was right and that I had never been late. According to the reps I spoke to they had been applying my payments incorrectly causing it to look like I was late. After telling me it was fixed and taken care of numerous times I checked my credit to find out my score had dropped 150 points because they reported me as delinquent. This happened right as I was in the middle of buying a new house. Luckily the new mortgage company had already approved me but this could have been disastrous. They finally got it fixed a month or so later and my credit report was ok until XX/XX/XXXX when they reported me delinquent to XXXX again making my score drop back down. I have filed a dispute and am waiting to get it fixed.
I became become totally and permanently XXXX shortly after I graduated from the art XXXX of tampa. I wanted to stop before I graduated because of my illness but the school assured me it would be fine. So I continued and was given extra time for my assignments and was able to miss classes. Both of which are not something an employer would tolerate. So my Federal loans, also taken out with XXXX XXXX were XXXX in XXXX, due to my ruling of TPD, but my XXXX private loans held now by Navient defaulted and are in collections with XXXX XXXX systems on behalf of Navient XXXX. I have been unable to get any information on any discharge options from Navient XXXX. This process has and continues to cause me a great deal of stress and anxiety due to the size of my debt and my cognitive issues related to my XXXX. The stress worsens my condition and has caused my condition to worsen as a result. I am continually told I have no recourse for these loans and I will XXXX with this debt. I am XXXX XXXX XXXX and I do not feel a company should be able to treat someone like this for something they have absolutely no control over. Navient offers no solutions for borrowers in my situation. I want nothing more than to not to be sick and to be able to work and follow my dreams so that I can pay off my loans. This is in no way fun for me or something I even want to do. There is a lot of shame associated with this for me, and both companies have blamed me for this. So when I have to deal with these companies which is hard for me as I am not cognitively with it at all times, they tend to speak very fast I miss things and they get angry over the phone with me. This is a horrible situation in which I have no control over anything. The companies are blaming me and taking money from a person who has none.
Ocwen Loan Servicing , LLC has stopped sending me monthly account statements. I am a XXXX veteran who has to rely on a volunteer to come in to write checks for me. Not having statements makes it very difficult for me to make sure I am timely with my payments. I have called Ocwen about this problem and they have refused to resume sending statements. They hung up on me when I was explaining this hardship.
Capital One offered a {$500.00} bonus for depositing at least $ XXXX by XX/XX/XXXX. I met this requirement and they are now refusing to provide the bonus. The exact wording of the offer is as follows and mentions nothing about maintaining a balance of $ XXXX. I met the requirement through cumulative deposits of $ XXXX. Capital One can not change the terms of the agreement after the fact. 

" Open a XXXX XXXX XXXX account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus. ''
I have disputed this account with Midland regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *Midland is stating account type as factoring on XXXX, open on XXXX  and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX  codes failed to  pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XX/XX/XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX reflects no payment history *Midland reflects on XXXX  terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. Midland did not oblige. Midland merely sent a statement that did not reflect any comprehensive accounting. 

Midland did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that Midland did not provide any credit card agreements warrant this entry to be removed from my credit reports.
This collection agency is still showing a judgment against me with XXXX XXXX court in Ohio, many months after this debt has been paid. This has caused serious ongoing impacts to my credit. I paid off the debt as we agreed. I called them and asked them to remove the unpaid judgement from my account and they have refused.
I 'm in the process of purchasing a house and the lender provided more evidence of Capital One 's dishonesty. Attached are XXXX pages of a credit report showing CapOne has intentionally made false derogatory statements on my credit report. 
1. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They continue to show a {$20.00} balance and the balance to be due is {$25.00} when none is owed. 
2. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They show this account as XXXX balance owed from the XXXX, XXXX bankruptcy but keep reporting it as late payment un derogatory statements as recent as XXXX, XXXX. 
3. acct. # XXXX - Their last report was on XXXX, XXXX and they show a balance of {$430.00} owed when there is nothing owed and should show XXXX balance. This is from their taking over XXXX in XXXX, XXXX problem they created. 
I filed a complaint regarding some of the issues CapOne was doing but it did not include all of them. That complaint is # XXXX. It was filed on XXXX XXXX, XXXX. CapOne is not resolving this issue and I would like cfpb to do so. Thank you. 
XXXX XXXX
We had a lease but the lease was not honored by the lessee. They continuously would come into our residence when we were not present with out our permission and we ( my husband and I ) did not feel safe so we moved out. Since we moved out they have continuously attempted to collect XXXX for the lease being broken. We've asked for a breakdown of the numbers and never received anything and they broke the lease to start. We left the residence in great condition and should not have to pay anything since the company didn't honor the lease to begin with.
I graduated XXXX XXXX XXXX ( XXXX XXXX XXXX, TX ) back in 2006. They are supposed to help you find a job but later they just forget about you. I submitted my resumes to a lot of companies back then with NO LUCK / NO RESPONSE. I have n't been working on my field because I have not been able to ... I found out right after I XXXX tried to sue our campues because all of them went on job interviews and COULD NOT get a job - their reason was " XXXX software was too outdated and old '' and what they had been learning was not up to date in the " real world '' - I wish I would have known this while I was still attending because I would have dropped out .... They don ; t really help you get a job like they claim, they do not transfer credits so you ca n't really go anywhere else.. I am a single mom with no child support - I am stuck with a XXXX privete loan that I have not been able to pay because I was trying to make ends meet. I got evicted from my apt . a few years ago. I have been paying something every month towards my private loan but I can barely make that payment to NAVIENT ( well, directly to XXXX collection agency ) - There 's has been a lot of lawsuits against XXXX XXXX on different states and more and more students are joining. I feel like I should not be paying for this since no employer back then was interested at all and XXXX XXXX did nothing.That school is a scam.
3 major credit bureau companies accumulate information on you without your consent : Experian, XXXX, XXXX ; which are used by banks, mortgage cos, car dealers, etc. : Just about everyone : They arbitrarily use some rating system along with keeping these statistics for an inordinate & obscene amount of time whether justifiable or not : This determines interest rates usually affecting the least of us in society that can afford these interests : EX : I had car repossessed by XXXX XXXX even though customer leasing for 10 yrs when I had XXXX XXXX & in hospital for 7 days : I called XXXX myself & told them I was behind a couple of months, but would pay XX/XX/XXXX of month. I even provided hospital phone number for verification : They chose to repossess my car from my driveway in a rainstorm : Irrelevant now, but cost me thousands to retrieve, etc. Now this is on my credit report for 7 yrs. etc. Otherwise my credit outstanding payment wise on all related finances. My point is this : How is it that consumers are subjected to the whims of these 3 major credit bureaus regardless of whether we have access to our scores accumulating all our private financial information which can affect us adversely for so many years as if we are convicted felons ; let alone what gives them the right to accumulate our private information? I committed no crime yet whenever anyone accesses my scores which are still relatively decent mid 700s on one, etc. considering the incident ; yet I am subjected to adverse interest rates because of the credit bureaus keeping questionable information for 7 yrs, etc. More importantly explain why these bureaus are able to control the financial circumstances of millions of Americans when there are so many other mitigating factors involved in the loaning of monies for mortgages, cars, loans, etc. including fact of building rapport & continuity of payments with banks, dealers, etc. than can determine their own judgement as to whether you are a viable risk> Absurd to have so many lives be charged excess interest fees & be subjected to the power of these bureaus who have accumulated your information without your consent : Class action lawsuit should be filed forcing them to stop these practices as well as legislation prohibiting these arbitrary year numbers of maintaining questionable information that are so incredibly time consuming to combat with them ; it would take you 7 years just to update your information accordingly : Do something : Congress should do something : Millions of people fall deeper in debt because of the uncontrollable usage of these 3 large firms that have tons of questionable information accumulated that is virtually impossible to combat in order to assist you when applying for credit, etc. Thank you for your time & effort : Respectfully, XXXX XXXX
These Accounts have been deleted from XXXX XXXX. Immediately delete and inform Equifax and XXXX  to delete also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any hard inquiry requests before XXXX. 

here is the XXXX XXXX  credit report dated XX/XX/XXXX and XXXX XXXX  file attached.
Our account is current etc ... there is no legal basis for their refusal to remove PMI. As shown in our online account with State Farm Bank, our mortgage balance went below 78 % Loan-to-Value on XX/XX/2017 with the balance on that date being {$110000.00}. 
Original property value at loan origination is {$150000.00} 78 % LTV is {$110000.00} Our actual monthly payment is {$730.00}. State Farm is adding PMI charges of {$56.00}, hence State Farm is requiring a total monthly payment of {$790.00} State Farm continues to Violate the law regarding cancellation of PMI. 
In an attempt to make XXXX continue paying, State Farm sent us this threat to refuse payments without PMI : Excerpt from that threatening letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX TX XXXX Dear Customer : Please be advised that your XX/XX/XXXX payment was {$52.00} less than the correct payment amount. 
To bring your account up to date, please forward a check in the amount of {$52.00} to Cash Management Department, XXXX XXXX XXXX, XXXX, NJ XXXX. 
The words " SHORT PAY '' and your loan number must appear on the check. 
We can not accept short payments and will return any short payments we receive in the future. Thank you for your cooperation. 
Sincerely, Customer Service Department XXXX
Harassing me regarding a charge off by another collector that I don't know about. I received notice regarding an alleged debt which was charged off and then purchased by Portfolio Recovery. This account has been previously disputed and deleted from all 3 credit bureaus because it was not validated as mine and recently reinserted without proper notification to me. I have once again asked for documentation proof that I owe this debt because I am unaware. I requested signed contracts and method of which this debt was being paid. I called multiple times to obtain this information and it was not received. The last time the supervisor XXXX took the call and stated they did not have a signed contract from the original creditor on terms and conditions pages or methods of how it was originally being paid. I told her I needed proof not just basic information that is public record. This harassment for payment for something as my right to request valid documentation. Portfolio was unable to properly validate the debt in previous disputes which is why it was removed from my credit files. Now they illegally reinserted it without any notification and still aren't responding with proper validation.
Experian took over 30 days to respond to my dispute of inaccurate items on my credit report. 
See attached documents.