WillisBack/dataset-financial-user-claim huggingface dataset:
I co-signed this student loan for my son in XX/XX/XXXX when it was XXXX XXXX. My son wasn't working and he had a degree in XXXX XXXX but he was trying to get XXXX Certifications. Over the course of the loan, I tried to make timely payments. Probably somewhere around XX/XX/XXXX, I started to struggle with making the payments and while they were not made on the exact day due, they would be made before the next due date. If my payment was only one to two days late, the phone calls would start. The calls would be relentless to where I just wouldn't answer the phone. Sometimes I picked up the phone not knowing it was them because I couldn't ID the caller. When I did answer, the Navient callers could be brutal. At times, I would tell them that I had already gone on line and set payments. They acted as though they couldn't look at their system and see that I had set payments to be made and they would press me anyway. I would tell them if they would just check their system that they could see that a payment was set to be made. They treated me as though I was lying and the next day I would get a call again. I would tell them that I had just talked to someone and I had already set a payment to be made. My biggest complaint is the harassment and how they would talk to me. They never told me about any way to help me payoff the account in a way that would help me. They offered me no help, only harassment!!!! Today I have finally paid the account down so that I can be rid of them. But, I do feel that I am a victim of their harassing collection practices.
After submitting the request information at annualcreditreport.com, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?
On XXXX XXXX, 2015 a complete short sale packet was sent to the lender. We followed up daily to see if there is a status update on the foreclosure sale date postponement. EACH time, they were having difficulty authorizing agent XXXX XXXX XXXX and took several minutes to dig through and find the authorization sheet. Every update they gave XXXX XXXX was indicating that docs are in and under review. It took more than a week for them to simply let us know they needed bank statements dating back to XXXX and to advise they did n't receive forms ( RMA, HUD1, Articles of Incorp, and XXXX ) to which we definitely sent and have confirmation of submission. They are very unorganized and are showing lag in response time which is resulting to our foreclosure sale date approaching quickly ; as a request to postpone has yet to be placed.
According to Equifax, I was one of millions of consumers affected by the recent data security breach. My social security number ( in addition to other sensitive information ) was accessed by an unauthorized third party due to the insufficient security measures in place over their electronic systems. I am now at much greater risk for identify theft. I 've placed a fraud alert with the credit bureaus. Equifax has offered free credit protection for a year, but only if I waive rights to participate in any class-action lawsuit. 

Regardless, now that my information has been leaked, I will always be at greater risk for identity theft. I can only take measures to mitigate this already growing risk of identity theft at my own personal cost.
I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had  no    XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,
The account dates of opening, closing, last update continues to change as a tactic to keep this account on my credit report longer than it is supposed to be. The dates continue to change. I feel that this account should already have been removed from my credit report. I attempted to dispute again with Experian to get a confirmation date that this account will be removed. XXXX and XXXX have already removed this account from my credit report. Experian refuses to do so by not verifying the initial information.
I have received my finicial aid disbursement for the XXXX XXXX XXXX in the amount of {$5100.00} on XXXX XXXX the hold was placed on my funds until XXXX XXXX even after the funds were paid the bank continued to hold my funds.
I submitted a verification letter to Online Information Services and received a screenshot of a statement. I informed the collection agency ( OIS ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX  and XXXX removed the said inaccuracy/ violation however XXXX started that OIS said to keep it on my credit report because they said it is accuracy. I also requested to see the document OIS submitted and they confirmed it's the same one they sent me. After speaking with three individuals from XXXX ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact OIS and see if they can remove it.
On XX/XX/2018 I received Letter confirmation from XXXX  XXXX XXXX after reviewed and found Fraud on my Card Applied for Unauthorized Increase line limit, so XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX to REMOVE the Unauthorized Hard Inquiry Made on My Report - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 the above Hard inquiry date i have seen only on my Report of TRANSUNION, so i'm make this complaint cause TransUnion doesn't response on my previews mail has sent to them, they should little care about customer Credit but they didn't so i attached 2 letters from XXXX  XXXX XXXX and they already notified all of XXXX XXXX XXXX XXXX according wrote in letter and this is to confirm they remove this Unauthorized Hard Inquiry Made on My Report Please i hope this time TransUnion Response and little care about customer Establishing Credit
I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by XXXXurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.
XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and Experian. To date the debt has not been validated but still remains on my XXXX  and experian credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and XXXX and experian have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
XXXX XXXX XXXX Chase Fraud Disputes Claim # XXXX Claim # XXXX  -On the morning of XX/XX/2018 my Chase debit card and phone were stolen while I was in New Orleans . My assumption is that they were stolen by a girl I had over to my room, but I have no way of verifying this. It

legitimately could have been gone earlier in the night. -My Chase account was completely drained of nearly {$4000.00} - my entire life savings. -I realized this when I woke up at my hotel in the mid XXXX. I went to get my phone to text & realized that it
, along with my debit card were nowhere to be found.

-My phone had no password & my pin along with other identifiable information were stored multiple places in it The purchases/ cash backs were as follows : # 1. XXXX XXXX XXXX XXXX XXXX  : {$7.00} purchase # 2. XXXX XXXX   # XXXX  : {$5.00} purchase + {$50.00} cash back # 3. XXXX XXXX  # XXXX : {$65.00} purchase + {$25.00} cash back # 4. XXXX XXXX XXXX : {$4.00} purchase + cash back {$100.00} # 5. XXXX XXXX XXXX # : {$10.00} purchase + {$100.00} cash back - Can not indefinitely say location based on information # 6. XXXX XXXX XXXX  Purchase : {$12.00} + {$100.00} cash back # 7. XXXX XXXX XXXX XXXX : {$17.00} purchase + {$100.00} cash back - Can not locate based on transaction information # 8. XXXX XXXX XXXX XXXX : {$500.00} purchase # 9. XXXX XXXX XXXX XXXX  : {$500.00} purchase # 10. XXXX XXXX XXXX XXXX XXXX : {$500.00} purchase # 11. XXXX XXXX XXXX XXXX : {$500.00} purchase + {$100.00} cash back And withdrawls of {$100.00}, {$100.00}, {$100.00}, {$400.00}, and {$400.00} -Chase has given me the timing of some of these transactions, which took place around XXXX-XXXX. The others I have not yet received information regarding.

-I was able to map these charges out via the transaction information and have found their locations to be scattered throughout the city of XXXX XXXX , in particular, along a major highway in the city. The transactions halted, of course, when my bank account ran out of funds.

-Additionally, Chase has informed me that they called my phone and sent a password via text to verify one of these transactions at the time of the occurrence. As stated previously, my phone was stolen. I am providing the receipt of the new phone in the documents section.

Chase has told me this case is closed, as I can not prove that these purchases were made by someone other than me. The only way I can get them to reopen the case is if I provide substantial evidence that it was not me- which takes a ton of time ( getting videos, police report, etc ) all while Chase has taken my entire life savings away.
I receive lawn service from XXXX XXXX XXXX. Recently I had an unpaid bill that I was unaware of. I received a collection notice from Transworld Systems and I called XXXX to insure that my bill was paid in full. I provided a credit card and paid my open balance in full. It is now 2 weeks later and in spite of my debt being paid, I still get regular calls from Transworld Systems in spite of the fact that the bill is paid and I have repeatedly let them know that the bill is paid.
We discovered two fraudulent charges on our XXXX credit card statement. I contacted the credit card company, and they had me file a dispute by filling out a form and faxing to them which I did on XX/XX/. Several months passed and we had not gotten any response nor credit on our account. I contacted the credit card company once again and was told that to email the dispute foam which I did on XX/XX/XXXX. As of XX/XX/XXXX I still have not gotten a response nor a credit. I tried calling the company directly and was transfer to the fraud department, and I was instructed to leave a voicemail.
I found out on XX/XX/XXXX that a former boyfriend of mine had opened a credit card under my name and demographics without my knowledge and had maxed it out. I called the company it was under and asked for details. They were unwilling to give me any information as I was not an authorized user for the account. I was able to have them close it so no more chargers could incur and ask that my email and phone number be placed on the account so I could inquire on it in the future. I still have not received any charge documents and they continue to call and write notifications to me that I owe the debt. I have filed with the Federal Trade Commission, the local police, and have talked to their fraud department. I have given them the name, phone number, and address of the thief, but they continue to say it is my debt. I received a request from Capital One for a clear copy of two forms of my ID and hve the form notarized. I did this and faxed it to them XX/XX/XXXX. They later sent a brief letter stating it was still my debt. The form only asked for details for whom I suspected was the identity thief and his personal information. The information form did not request details regarding the fraudulent account or how I found out about it. I again wrote to Capital One via a letter devised by the Federal Trade Commission on XX/XX/XXXX requesting they close the account, remove any charges on the account, and take steps to remove information about this account from my credit files. I received a letter from Capital One on XX/XX/XXXX stating that they are following up on the fraud notification recently filed with one of the 4 credit reporting agencies, but again find no evidence of fraud and are taking  no action. 
I then went to my local police station and filed criminal charges against the person whom stole my identity ( XX/XX/XXXX ), as suggested by the FTC. My complaint is that Capital One allowed someone else to open an account under my name and Social Security without my signature or permission and now is pressing me for payments although I have filed fraud to all the proper authorities. I would like to see their process for signing someone up for a new account and how they verify acknowledgement and permission from the person it is being set up under. I have a long history of amazing credit, and now find myself struggling with poor credit scores and harassment from credit card companies. ( He also charged up another credit card in my name ).
Received a ReFi from DiTech XXXX for a small mortgage loan. Ever since they misapply funds and harass me about payments already made. We make our payments more than XXXX days in advance. XXXX treatment from support staff until they find out it was their failure and not mine. Now they claim I need to pay an extra {$500.00} dollars for escrow though annual payments only increased {$53.00} dollars on insurance. They claim they made a payment but ca n't tell me to whom. We pay more than the required payment so I do n't understand why my monthly payment should go from {$590.00} per month to {$640.00} over a XXXX time annual fee increase of {$53.00} dollars. They keep giving me different and incomplete information and when I ask for mailing of their analysis they tell me different months it was supposedly sent out yet was never received in mail. Most recently they misapplied another payment and yet claim I now owe double the normal monthly payment.
I surrendered my vehicle in a bankruptcy that was discharged in XXXX of last year. The lender has refused to pick up the vehicle after repeated calls. I could n't afford to keep the car registered so the California XXXX put a levy on my bank account via the California Franchise Tax Board. I have {$0.00} in my bank account and no one will help me.
Today I checked my credit report from Equifax. My score drop four points for no apparent reason. Equifax also continues to show accounts and inquires on my account that is passed the seven year time period. They also show accounts where they have not received any viable documentation that the debt is accurate
XXXX XXXX  XXXX {$75.00} and {$82.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditor Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation Remove immediately as other 2 bureaus have, against F.C.R.A. law
I don't understand how your company can list a fraudulent collection for services never rendered, due to substandard health conditions and a breach of contract. 
XXXX XXXX management did not have the apartment ready upon arrival. The kitchen cabinets were still on the ground in the kitchen, and the entire unit reeked of 2nd hand smoke that caused allergic reactions in my XXXX year old son, and within a few minutes latter my wife developed breathing problems. 
XXXX XXXX 's management employee would not accept the keys as it was XXXX minutes past XXXX XXXX. So I returned the next day to return the keys, after locking up the unit and not spending one day or night in the health hazard apartment. 
We drove away to my wife 's relative house to spend the night and on the 2nd day found a suitable apartment at XXXX 's XXXX in XXXX, XXXX XXXX. Call them yourselves and inquire about my payment history as you already see in my history record. Ask yourselves, why is the only collection action on my report from XXXX XXXX after 3 years? It's because they breach their agreement about having the apartment ready and it being a non-smoking unit. They failed to comply. Why are they supporting their collection actions by retaining it on my credit report. 

The collection agency is Florida based, and neither Virginia based nor is the apartment complex located in Florida.
PNC Bank fails to provide a fair and easy system for non-bank members to submit auto loan payments. I got stuck with PNC when I bought a vehicle at a dealership and found out that PNC has provided XXXX different websites for receiving payments. Forced to use XXXX to start which later disappears. I then have to use a 3rd party system which also discontinues, and now I am stuck with the worst version XXXX. This site fails to set up automated payments, fails to notify me of anything online when payments do not submit or if I am late. I have no records of payments made from other sites or the version my past employer was forced to setup just to pay on my truck one year. Only thing you can see is the montly payment information. What if I want to pay extra on principal one month - How do I know they processed it correctly!! 
No phone calls come in until AFTER 30 days late which they quickly report to credit bureaus. They will not talk about options to have it corrected and will not provide me a better system of making reliable payments. For such a wealthy corporation to use a website that my XXXX XXXX XXXX could build is beyone me! I truly think the inconvenience is intentional to force you to send a blank check or open a bank account with them. Then they can take full advantage of me I am sure. No Thanks! I want my credit report fixed NOW!!
In XX/XX/2017 a fraudulent loan was taken out in my name in the amount of {$20000.00} and it was put onto my credit report. I contacted the company that issued the loan ( XXXX XXXX XXXX ) and also the 3 major credit reporting agencies XXXX, XXXX and Equifax and disputed the charge as fraud. I sent all 3 agencies the police reports and notarized fraud affidavits. XXXX  and XXXX immediately removed the fraudulent account from my credit. Equifax did not so I disputed the charge again and resent my documentation. Again they refused to remove this item from my credit stating the account was verified as accurate by the creditor ( XXXX  XXXX XXXX )
I have been trying to have these inquires removed from XXXX and equifax. I have had no luck. My ex husband who just recently is now XXXX tried to open things in my name. 
2 inquiries from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX. XXXX XXXX XXXX 2 inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nh XXXX XXXX XXXX XXXX 4 inquiries from XXXXr with no dispute information 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX
I was listed as one of the people potentially affected on https : //www.equifaxsecurity2017.comXXXX by Equifax 's securitt breach. I feel that my information was mishandled and I, along with millions of other consumers, was put at risk. I hope for a speedy resolution.
2 accounts on my credit are more than 10 years old ... .i have filed 3 disputes with equifax and they have done nothing ... .disputes were wrapped up quickly leading me to believe that they didnt even contact the credit union ... timeline is way to short for them to have investigated this ... ... accounts ( charge offs ) shouldnt be on credit after 7 years and at the most 10 years ... both of these accounts are 10 years old and i have requested 3 times that they be removed ... ... .both to XXXXXXXX XXXX XXXX
I'm a Teacher and have been in repayment status since I graduated college in XX/XX/XXXX.  I've maintained consistent, full-time, qualifying employment and have never missed a payment on my loans. I've behaved in such a fashion to ensure my eligibility for the Public Service Loan Forgiveness ( " PSLF '' ) program.

This year, I became eligible for the program and began to inquire about how many payments the lender has recorded that I've paid. After several calls to customer service, I couldn't get a clear answer. Rather, they initiated a payment review in XX/XX/XXXX. I called today ( XX/XX/XXXX - Spoke to XXXX ID XXXX ) and was informed the payment review still hasn't been completed. I was told that the payment review is indefinite and could take months or even years to complete. I was also informed that while my account was under payment review, I would NOT be eligible for the PSLF program. 

I asked for a timeline of when the lender expected the payment review to be completed ; they indicated they did not know. The lender said once a payment review is initiated, it can not be stopped or cancelled and has to run its course. I pleaded with the lender, asking for this process to be escalated, to no avail. I also explained that the lender is holding my account XXXX and keeping it in limbo ; meanwhile, we're paying interest and payments as required by the terms of our loan. We simply can not make an informed decision about how to proceed with our loans ; whether or not we should refinance them to avoid paying excess interest, or stay the course with the PSLF program. 

I recently applied for the PSLF program and was denied, showing that I only had made 31 qualifying payments. I then applied to the Temporary Expanded PSLF program and was subsequently denied because I hadn't made 10 years of payments. Despite the lender 's reasons for denial of both programs, I boldly attest that I've been paying on my loans, consistently and without delay, since my graduation from college XX/XX/XXXX. Ten years. 

I've done all that I can do up to this point. Our only recourse beyond this complaint is to move forward with civil litigation. Our hope is that this complaint will aid us in obtaining the relief we desire.