WillisBack/dataset-financial-user-claim huggingface dataset:
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX inquires regarding all personal information.
I PURCHASED A TICKET FOR XXXX/XXXX/2016 XXXX XXXX FLIGHT XXXX TO XXXX XXXX, IT WAS CANCELLED AND XXXX REBOOKED ME ON XXXX FLIGHT XXXX TO XXXX XXXX. I ORIGINALLY BOOKED XXXX TO AVOID BAGGAGE FEES WITH MY XXXX CREDIT CARD. I INCURRED {$50.00} IN FEES WITH XXXX. XXXX INFORMED ME I NEED TO CONTACT MY XXXX CREDIT CARD FOR REIMBURSEMENT. THE FORM CAN NOT BE COMPLETED ONLINE BECAUSE OF THE XXXX TICKET NUMBER. I SUBMITTED A FEEDBACK REQUEST FROM XXXX ON XXXX/XXXX/16 CASE ID XXXX AND HAVE RECEIVED NO FOLLOW UP. WHEN I CALL THEY CONNECT ME UNTIL THEY CANT CONNECT ME ANYMORE OR THE PHONE DISCONNECTS.
Navient is not being truthful & is falsifying information. This is causing great financial hardship on my family. I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. With information breaches, identity theft, class action suits and found violations Navient knows the importance of doing a proper investigation. So far Navient is ignoring my requests, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. Each promissory note Navient provided indicates on the top of each application that it is valid through XX/XX/2002. In addition Navient claims I signed a promissory note for loans consolidated with Direct Loans, which is false. A previous student loan account was turned over to Direct Loans involuntarily because my original servicer no longer services student loans. And now these are with Navient. In addition the promissory note provided from Direct Loans does not include any loan amounts, which is very questionable. How can I agree to something without the specifics being explained, this is a violation of Truth in Lending? This is very disheartening that I have literally been disputing the loan amount for years. After many failed attempts to be gather this information I am hoping the CFPB can assist. What has been provided has not added up to the amount I agreed to paying & do not feel it is okay for Navient to provide a so called signed promissory note that does not provide that a agree to any said amount. Please do not simply provide a breakdown of what they are stating I owe. I want to see where I agreed to whatever said amount. I intend to pursue my rights to the fullest including litigation if this is not resolved quickly.
Since XX/XX/XXXX I have been trying to get the credit reporting agencies to remove this account : XXXX. This collection agency faxed the credit reporting agencies to remove their account from my credit file because they were not supposed to report this small debt. We made an agreement to settle the account in XXXX payments for the exchange of not reporting. The manager made a mistake and reported and after it was brought up to their attention, they faxed the info over to the XXXX major credit reporting agencies to remove. XXXX and XXXX have removed but not Equifax. After disputing with Equifax directly they keep telling me is verified, is mine and they will not remove. The collection agancy says they ca n't do anything about it because they have already tols Equifax to remove this.
I have on multiple occasions submitted paperwork for a XXXX Loan Forgiveness Program to XXXX. Each time they have ignored by submission not responding in email or writing. When I call they give me the run around about why the application isn't processed and ask for more time. It is my understanding they were sued for their handling of these programs and I can not see where this has improved at all. As of today I am still waiting an answer on my third attempt to participate in this program.
During the time frame XXXX XXXX and XXXX XXXX, I took out a loan from Navy Federal Credit Union and received numerous threatening letters when I fell behind on the loan. NFCU asked for the title of my car and I explained that I thought it was a personal loan for the amount was minuscule. NFCU continued to send harassing letters, falsely threatening legal action violating the Dodd-Frank Act. 
XXXX XXXX NFCU was ordered to pay compensation to NFCU consumers. I have contacted NFCU via their main telephone number XXXX, informed them I was a consumer effected by their misleading, false misrepresentation of credit consequences letters, gave my name and point of contact. I also asked the NFCU representative why NFCU did not contact me in reference to the Consumer Financial Protection Bureau lawsuit against NFCU? In the redress NFCU is ordered to pay {$23.00} million in redress to it 's victims.
I am still waiting for NFCU to contact me and pay my compensation for harassing, false, threatening debt collection letters. Today is Saturday XXXX XXXX, XXXX.
I have disputed with the credit bureaus and Convergent alike the inaccurate entry that Convergent is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX, XXXX  and XXXX. The bureaus responded that this entry was verified. To that end, I submitted my dispute to Convergent. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Convergent did not oblige. 

Convergent 's letter, ( see attached ), dated XX/XX/18 does not provide any substantial evidence to support the veracity in their reporting. To that end, since Convergent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
I have tried getting this issue with TransUnion resolved since XX/XX/18. As a result of TransUnion completely ignoring my dispute I have gone to the FTC regarding the fraudulent collection account reporting on my credit file belonging to XXXX XXXX XXXX XXXX partial account number XXXX, TransUnion blocked the last four numbers of this account. This is my official Identity Theft Report for TransUnion. I have attached all required documents to this complaint that the FTC states. The included documents are as follows. Identity Theft Report, Drivers License, Social Security Card, Proof of Residency, FCRA 605B and, TransUnion Credit Report.
I owe a past due to XXXX and the credit collector, Credit Management, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.
In XXXX of 2015 I had made a mistake with a credit card, made a payment in XXXX 's cycle, ( thinking I was making a card payment for XXXX ), they cut my credit line to about {$5.00} what I owed, and now they cut my credit line well below what my balance is now. I do not know what to do, because I do not have the money to pay what they are demanding. What can I do?
On Thursday XXXX XXXX, 2014 I received a call on my landline phone from Central Credit XXXX Services on behalf of XXXX XXXX at XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.
I was contacted by XXXX about a debt supposedly owed to XX/XX/XXXX.  When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.
Back in XXXX, I let Capital One know that i had been admitted into XXXX XXXX XXXX for emergency XXXX. I had been trying to work with them on my payments as i had been out of work while in the hospital. While i was there, I spoke with a represenative and advised that i was sending my sister to pay the outstanding balance on my account that day i believe XXXX/XXXX/XXXX. I was told at that time that as long as the payment was made that day i would be fine. That same morning, my roomate called me to inform me someone had come by and picked the car up. When i called Capital one, there phone system kept redirecting me to an alternate line which would immediately disconnect. this went on for a week. Further, once i received info on my car 's whereabouts, i was told multiple times that my car had not been repossessed. after about two weeks time, i finally got the information i needed. I feel extremely misled and wrongfully treated especially since i was in the hospital for emergency XXXX. I have always stayed in communication with Capital One and paid on my accounts with them.
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. " PUBLIC RECORD U.S. BANKRUPTCY COURT ''
Both Paypal & XXXX Bank failed to get a refund to me for a service ( educational, coaching, mentoring, " earning while learning offer '' from an on-line seller. The offer had a 100 percent " money back guarantee. '' Even-though the refund request was made within the designated 14 days ; neither the bank nor paypal has provided me with the refund. It 's been over sixty days and I have made numerous attempts and provided over 50 pages of supporting documents.
I have disputed the late payments on ATTORNEY GENERAL-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
I cosigned a loan for my daughter who lives XXXX. Citibank was not sending statements or correspondence regarding this loan. When my daughter called to make a work out because she does not make enough money they denied her request. We made numerous attempts to work with them for a better payment plan with their suggestion. They would have us submit everything then say she was not eligible. We spoke to them in XXXX of 2015 and said we would pay as much as we could each month and hope to consolidate the loans, they said we were NOT in danger of default as money has been paid. Last month we received a letter from a lawyer saying the loan was charged off. I am the cosigner and was never notified or given a chance to bring it current for my daughter. I have contacted them via phone and letter ( see attached ) they have been rude and unwilling to discuss this with me, only stating that a letter was sent. They can not provide any information as to how the letter was sent and why I was n't notified. They only informed us that they do not negotiate with students that live XXXX. I am the cosigner living in the US and they would not assist me but are damaging my credit. I cosigned in good faith and the bank did not notify me of any issues with the loan. 
I have sent letters to Citibank which all went unanswered, when I phoned to inquire I was told there is nothing the bank is willing to do. I have a payment history and have been making payments which I thought were in addition to payments they were receiving which would have reduced the interest. Since Citibank has failed to notify me as the cosigner they did not give me the option to assume the loan as I committed to. I 'm very upset with the lack of response and support. More than XXXX has been paid on this loan, it is not as if this loan was ignored. I should have been notified.
ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone
This is this is the same complaint I had with XXXX regarding the bankruptcy law stating " when a debt is discharged ( chapter XXXX ), the creditor is '' forever '' barred from trying to collect it from you or reporting it to a credit bureau ''. The account was discharged on XXXX XXXX, 2009 when the Bankruptcy Chapter XXXX was discharged. The staff of these credit bureaus need more training regarding bankruptcy laws. 
Collections : XXXX XXXX XXXX - I sent them a copy of the statement showing XXXX balance. The agent I talked to from Equifax told me that according to XXXX the collection stands. I told her so you are going to take the words of the company instead of the documents I provided you. She said " YES ''. Not because the companies are paying for the services of these credit bureau does not mean we, the customer, has no say on the issue.That is not fair! And not right either!!
I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
I have just completed a refinance of my home through Bank of America. The process was initiated on XXXX XXXX and was finally completed on XXXX XXXX, 2015. I have the following issues ; XXXX. I was told that we would close on or about the end of XXXX. On approximately XXXX XXXX I contact BA and asked about my closing date. They had lost my paper work and forgot to call for an appraisal. I had lost XXXX days in the closing process which cost me money. XXXX. Afterwards, I was sent an email that my final signing of papers would be on Wed XXXX XXXX and they requested that I have a cashiers check for {$1600.00} made out to a certain title company. After signing the papers and giving the cashiers check to the signing agent, I received a random call. On Thursday afternoon I was called, by someone I did n't know that claimed they were from a title company I had never heard of, and told that the cashiers check was made out to the wrong company and that I need to wire money to them. I immediately thought this was a scam, so I called BA and they said they would look into it. About an XXXX later I received an email stating that BA had made the mistake and the cashiers check would be returned to me by the title company. I did a wire transfer to the new company, after the new title company sent me an email. At this time I noticed the the closing cost went up to XXXX, a {$70.00} increase. Reviewing my documents BA had given me the wrong closing costs in their email. The wire transfer cost me an additional {$25.00}. The cancelled cashiers check cost me {$3.00}. 
I have sent an email to BA asking for reimbursement for the wire transfer and cancelled cashiers check. But they will not respond. I am also questioning the fact that by them losing my paper work for approximately XXXX days, why would n't I be reimbursed for the difference in the interest rate and mortgage insurance for the XXXX days? I am estimating that is is almost {$500.00}. 
Again, Bank of America will not answer or return my calls. How do I settle this with them?
My personal information was not properly or reasonably protected by Equifax and was subject to the recent data breach they are involved in.
Sears XXXX Citi Bank XXXX XXXX XXXX has put me in 30 days late payment without issuing the credit card. The Sears XXXX XXXX XXXX has put me in late payment in all three credit bureau viz. XXXXXXXX XXXX  and XXXX. In XXXX XXXX one of the cashier in Sears store opened the credit card for me. But the guy entered all the wrong information about me. Because of which I could never get the credit card.In XXXX XXXX Sears XXXX Citi Bank put me in late payment of {$6.00} without letting me know I need to make the payment. I even did not know what was that XXXX dollars for. After seeing a drastic drop in my credit score I called the bank and paid the amount. But the late payment is still in my credit history. I want the late payment to be removed. I had XXXX credit card accounts with the bank. And the late payment is showing in both accounts.
In XXXX of 2013 I, with no credit history, unfortunately decided to apply for the Capital One Secured credit card. I was approved for a {$49.00} deposit for a {$200.00} credit line. I paid the {$49.00}. I was promised that my credit card would be reviewed every 5 months for UNSECURED credit line increases and the possibility of having my deposit refunded and my card becoming unsecured. During my over 4 years I have added money to this card to have a bigger credit line. Now my credit line is {$950.00}, all of which I have added myself. I HAVE NEVER MISSED A PAYMENT. I have called Capital One multiple time during all these years and asked them to unsecured my credit card and was told they do not unsecure their credit cards and I would have to apply for another credit card, which I do not want to do. So they lied to me about unsecuring their cards. I have been told that they review accounts every 5 months and I should receive something soon, but they wont let me talk to anyone, or give me any information I. These reviews. They scam people. Give them hope. And lie. If they review accounts every 5 months why havent I received anything? In four years, and 9 reviews and nothing! When my sister got her right away!! Also in the four years that I have had this card I have NEVER once received an unsecured credit line increase as I was promised. A current story. My sister applied for this card 11 months ago. In 5 months she went from a secured credit line of {$200.00}, and received and unsecured credit line increase of {$300.00} making her credit line {$500.00}, and in the 11th month Capital One refunded her {$200.00} and make her entire account unsecured. I was told multiple times they do not unsecure their cards! So what the XXXX! I have had this account for 4 years and 1 month and have NEVER received a credit line increase, as I was promised, or had my account unsecured and received my {$750.00} deposit back. This company is a fraud and they lie about what they do and what they can do. I either want my account unsecured and my deposit refunded to me, plus interest, an unsecured credit line increase, or close my account and get my refund, plus interest. This is rediculous! They defrauded me, and Im sure they are defrauding others! I cant even add money to this account anymore, because they have ended their deposit to accounts. I was also told they ended their deposit to secured accounts because they want to unsecure accounts and give credit line increases. None of which has happened. They need to be shut down! They defraud people. I have many real credit accounts with way more reputable banks, with very high limits that wouldnt do this to people. Something is wrong with this whole situation and needs to be addressed by the government ASAP! I have been an excellent card holder for 4 years and paid all payments and all interest and all fees I should have received something by now!!!!
Experian is refusing to investigate inaccurate items on my credit report. There are a total of XXXX XXXX accounts on my credit report that were included in my bankruptcy that was filed XX/XX/XXXX and discharged on XX/XX/XXXX. These accounts are being reported at 120 days late, transferred/closed, when they should be listed as included/discharged in bankruptcy. Experian would not allow me to dispute these items stating that they were previously disputed ; however, this account was never disputed as being included in my bankruptcy. This entitles me to dispute a new request with new information under the Fair Credit Reporting Act. Also, Experian would not allow me to dispute a XX/XX/XXXX tax lien in the amount of {$1000.00} that was also included in my bankruptcy and updated in public records.
XXXX XXXX, has been charging late fees before posting payments to my Wal Mart, JCPenney, and XXXX XXXX cards. This resulted in a negative effect on my balance, never being paid below the credit limit. Even if a payment was a day late they would charge me a late fee.