WillisBack/dataset-financial-user-claim huggingface dataset:
With limited options for private loan assistance Navient has made equally difficult once again to find any kind of relief to my private loan debt. 
This will be my third submission with contacting the CFPB for Navient/XXXX XXXX 1 ) For their lack of responsiveness in connecting with service agent in the Rate Reduction Team and to their Complaints Department 2 ) Failure to provide financial support/reduction to my loans. After leaving a message I finally spoke to the agent, who I spoke to previously in regards to my other recent situation with Navient- XXXX XXXX . I expressed both complaints I have and included that I have been working diligently to have my payments be reestablished on the rate reduction plan. Which is the only options they provide with private loans. XXXX knoted that this complaint through him could take 5- 7 business days. With that said I have payments due XXXX/XXXX/16 and urged for things to be expedited. I have been on the rate reduction plan in the past and was looking to sign in for another year. I had completed step 1 which was to verify my financial statement with them. Step 2 was for my co-signer to complete the same. After several calls last week and not getting in touch with the team my cosigner tried again today and was connected. Which leads me to my 2nd complaint in the matter ... .Based on my co-signers finances I am not eligible for the rate reduction plan. My co-signer is not in a position to pay my payments nor am I approving them to. Especially since I have been on the plan before with the same co-signers and this year makes it much more difficult for that XXXX of my XXXX loans is now out of forbearance with a payment of {$220.00} and is not eligible for the rate reduction plan. My co-signer who has called is signed on XXXX of the XXXX loans I would need in the rate reduction plan. If on the Rate Reduction Plan and my remaining loan I will be looking at a payment of a minimum of {$710.00} a month which they noted was not guaranteed due to the fact that the {$710.00} was based on last years payment and that this year the interest rate would increase. {$710.00} is already barely attainable with the other loan opening up. Last year my payments were {$490.00}. Once again Navient has backed me in to a corner of never successfully moving forward debt free.
I noticed an unrecognizable inquiry reporting on my Transunion credit report. I immediately contacted the bureau and spoke to a customer service agent who placed a fraud alert on my credit report to prevent any further fraud from occurring. I asked him to dispute the fraud inquiry and he told me that he did. I am not sure if he was telling the truth but the inquiry is still remaining on my credit report and has not been removed. 

Transunion XXXX XXXX XXXX XX/XX/XXXX
Receive repeated calls from XXXX for some type of debt collection. Leaves very little information, seems to be a scam. Business is not licensed in the State of Maryland.
My identity was stolen and used to open fraudulent accounts on or around  XXXX / XXXX / 17 . I 've made numerous calls t o Saks Capital One and wa s previously addressed on complaint  XXXX .     The company 's response stated it was not being reported on my credit report and that the inquiry would be removed.     My credit report just updated and fell over  XXXX  points due to the fraudulent account being reported. This is inhibiting my first time home purchase.
I keep getting calls from ERC ( XXXX ) asking for someone like XXXX XXXX ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!
Our house was destroyed during Hurricane Irma. We are in a FEMA declared disaster area. We have 35 % of our home remaining inside! We were given forbearance from Chase thru XX/XX/XXXX since they denied us a modification. Chase Mtg has reported that we are behind more than 60 days on our mortgage. This is the 2nd and third time they have done this. The first time a month ago was corrected, now they have reported to credit agencies on Friday XX/XX/XXXX and then again on Monday, XX/XX/XXXX. 

We have called Chase Executive offices, we have asked them to please stop and correct, this has not been done. We have asked for a proper letter of apology and they issued one that does not state properly their inaccurate reporting. This is the 3rd time in 40 days they have dropped our credit rating and score more than 100 points. They are destroying our credit with other creditors because of this. This is unethical, unjust, unwarranted, and purely brutal on their part. They do not have a care, nor concern for their customers. To happen once, is one thing, but three times in 40 days!
Wells Fargo repossessed my vehicle, after 2 months of missed payments. The initial loan for was XXXX and I had paid on the loan for 5 years. The balance owed on the loan was approximately XXXX. The car was sold at auction for {$5100.00}. I now have XXXX negative accounts on my credit report saying I owe Wells Fargo a balance of XXXX. When I called Wells Fargo about the very high balance due I was told that the balance imposed is for legal fees. I was also notified by Wells Fargo that I have to claim the balance of {$5900.00} on my XXXX taxes as income and when I asked for an explanation on that, because I did n't quite understand, I was told that I had to claim it as income because that is the way is it done. 
I wanted to add that I had XXXX, that led to my inability to pay for 2 months, because I was out of work from being hospitalized and being rehabilitated. I did contact Wells Fargo, XX/XX/XXXX, to try and offer a settlement and I was refused because the offer was too low of an amount. 
Also on XXXX/XXXX/XXXX I sent a letter to Wells Fargo asking for them to validate the debt and to date they have not responded to my request. Wells Fargo signed for my letter on XXXX/XXXX/XXXX and my credit report was not marked as " disputed " until today XXXX/XXXX/XXXX, an I have not gotten any validation pertaining to the debt.
I left XXXX long time and went back in XX/XX/XXXX just to come to know that my Citibank Credit Card Ending in XXXX was on my credit bureaus ( known as XXXX in XXXX ) as negative and I have to pay around XXXX ( {$790.00} ) to get it off from my account, after several calls to Citibank I was able to get hold of their manager XXXX XXXX XXXX on phone number XXXX XXXX XXXX, and he assured me that the account will be taken care of and asked me to file a police report on fraudulent charges, which I did, he took around 6 months to reply to me and came back with an answer on XX/XX/XXXX, and he said nothing can be done and I would have to pay the money, so I asked what about the police report, and they said police report will not be considered. 
Frustrated, I filed a complaint on Consumer Financial Protection Bureau, and I got an email from Exective office of XXXX XXXX XXXX ( Phone no. XXXX ), I spoke with him and he asked me to file a police report on lost of credit card and loss of XXXX XXXX, I did the same and after a long period of time he came back to me in the Month of XX/XX/XXXX and said I would have to pay the entire amount due and nothing can be done about it. so this clearly states how these banks are doing robbery in XXXX, I have filed a police report and they are even not considering that?
The bank closed my accounts, they sent a letter asking me to call to find out why. I called and spoke to some very rude girls who refused to give me any info and said I had to call the branch. I called the branch and was told by the manager he had no information why it was done and said I had to call back the number on the paperwork. I do so and was again treated extremely rudely. I was coerced to dispute a transaction that was valid causing my fraud claim to be denied. the transaction was done before the card got lost but posted after. No one I spoke to seemed to understand this.
I recently obtained a copy of my credit report and noticed Southern Financial Systems Inc furnished information on my credit report. The item states that they opened the account in XX/XX/2018. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. Southern Financial systems began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that Southern Financial Systems has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that Southern Financial Systems knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.
I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.
Alleged fraud, Bank of America claimed a permanent credit of {$1800.00} was added to our account for our use that Bank of America knew was not actually available and supported that claim with false information to cause us to use the funds to the advantage of Bank of America. Funds were not available, just a temporary fake number which was removed after use. Multiple proof in hard copy from Bank of America. fraud -intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right ) - fraud -intentional perversion of truth ( claiming {$1800.00} was available in my account and the merchant had been contacted, neither was true ) in order to induce another to part with something of value or to surrender a legal right ( to falsely indicate {$1800.00} was immediately available to use on the BOA credit card ). Considerable documentation and proof in hard copy. Multiple false claims by Bank of America on available funds that were never there.
I recently settled an old balance I had with  XXXX   XXXX . Nea rly two months have passed, and they have yet to update the account properly on my credit report.
To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 3. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4.  Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.
This is the first time that I have received anything from XXXX XXXX XXXX, XXXX. They came to my home Yesterday, XX/XX/2018 and found my guest at home during the day, of which I was at work. When I came home, they said that someone came to the door and tried to beat it down, then handed them a package of which they signed. I was not home at the time, but they gave these documents to my guests to accept and to sign, which is against the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and Maryland Consumer Debt Collection Act ( MCDCA ) 14-202. Their process to serve me a summons to appear in court was handled poorly and cause damages. I have suffered statutory damages of confusion, humiliation, and stress of sharing my personal information with persons not associated or connected to this debt or account. In addition, this has brought significant emotional distress and mental anguish due to the humiliation of my guests having to hand me these documents of which they already read and adjusted, prior to me reaching home from work, yesterday. 

Secondly, Maryland Statutes of Limitations is 3 years, they should comply accordingly. 

Thirdly, my Military Status, at the time, my husband, XXXX XXXX XXXX XXXX XXXX was transferred from XXXX to XXXX, now in XXXX and I was not working for 18 months and hence the decline in funding and change of address. 

XXXX XXXX XXXX, XXXX has actions against FDCPA 15 US Code 1692 and MCDCA 14-202 Collector abusive practice to harass and pretend to sue, only to collect a debt, however I was unable to pay due to loss of job and moving to another state.
I received a collection notice from : The collection Firm or Franklin Collection Services, INC XXXX XXXX XXXX, XXXX, MS XXXX, XXXX. Attempting to collect on an aged satisfied balance account with XXXX XXXX XXXX.
In  XXXX   XXXX , I applied for a loan wit h Cashcall in the a mount of approximately {$1500.00} dollars. I recieved a loan in the amount of {$2600.00} with a APR of  204.94 p ercent. It was not until recently that I was aware that I was a victim in  Cashcall 's illegal online lending practices, specifically applying for a loan and recieving an amount higher that what I requested in an effort to charge an un-capped APR o n the amount. I never recieved any notification from  Cashcall that I may be included in a class action law suit. It was only until I searched their name on the internet, did I find all of the lawsuits Cashcall was named a s a defendent in for illegal and scandalous lending practices.     I disputed this debt with  XXXX ,  XXXX  and  XXXX  on the grounds that this debt was illegal and requested them to investigate. I provided copies of minute orders for the courts and as newspaper articles surrounding the lawsuits against  Cashcall, including the one from the Consumer Financial Protection Bureau. The credit reporting agencies concluded their investigations and claim that the account is accurate. However, after the investigation was concluded, Cashcall c hanged the account fro m Paid as Agreed to 120 DA YS LATE on all of my reports. ( see attached credit reportings dated  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX   )  This is inaccurate and appears to be in retaliation for me disputing the legal grounds of the debt. The debt was settled, and I paid the amount that we agreed to settle the debt. Updating the account to 120 days late is inaccurate and frivolous. They are attempting to misrepresent the status of the debt. This is a direct violation of the FCRA. This update also caused m y credit score to decrease I directly disputed the account with Cashcall (  see letter dated  XXXX   XXXX ,  XXXX  ). I requested them to provide me with a copy of my application that I submitted for the loan that includes the original amount I requested to borrow as well as detailed account history that includes all payments and fees that were applied to the account. I also requested a copy of the settlement offer that was sent to me and agreed upon for final payment.      Cashcall responded ( s ee attached letter dated  XXXX   XXXX ,  XXXX  ).  Cashcall claims the debt was valid and it is being reported properly to the credit reporting agencies. They also included an unsigned promisory note and payment information. They did not include a copy of my loan application, as I requested. I believe this is an attempt to hide the fact that the amount that I applied for was not the amount I recieved, and resulted in them being able to charge me an unregulated interest rate. This is one of the violations that Cashcall was found guilty of in court. It appears as if  their scandalous business practices are continuing even after being brought before the courts to cease such actions.
My wife and I have two mortgages with XXXX XXXX XXXX XXXX XXXX Bank, headquartered in Massachusetts. Approximately 16 months ago, following confirmation of a Chapter XXXX, plan, we agreed with the bank for monthly loan repayments of {$12000.00}. Since that time no monthly payments have been missed. Yet, the bank has reported to the credit bureaus delinquencies of 30 to 60 days. Of course, this has reduced our credit scores significantly. And made it impossible to get a new credit card or an auto loan.
XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.
I have filed multiple disputes with Equifax in the past for the following accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX On XX/XX/2018 I sent a method of verification letter to Equifax via certified letter, and on XX/XX/XXXX that letter was delivered. It has been past fifteen days and I have not received any information verifying these accounts. I am interested in their verification methods for many reasons. For instance, I have filed multiple complaints thru Consumer Financial Protection Bureau and each time I receive a response stating that XXXX XXXX XXXX did not respond to the complaint. I also have tried to contact them myself. I have not been able to talk to anyone about the account.
This is where I am today with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Experian  XXXX   XXXX  very frustrated. I called and told them this. I did not authorized these accounts. Same accounts have been unverified and there is NO Contract.     I also said dont know what else to do. When the representatives said to just keep calling the credit companies. So, I se nt 609 letter s to dispute felt a since of no worries but have s ent two rounds of 609  letters. Ready to send a third round of letters.     I have called these companies ;  XXXX   XXXX   XXXX  - {$ 300.00},  XXXX   XXXX  {$400.00},   XXXX   XXXX   XXXX   XXXX  - {$310.00} and   XXXX   XXXX  - {$300.00}.  Reporting closed Collection  accounts but currently open and over credit limit by {$1.00}, derogatory remarks, late pay and as Charge Offs/Bad Debt. All negatively reporting.     It was stated in their responses to  my 2 disput e letters that you have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. To show my signatures on Contracts. The fact they have ignored my request to send me copies of the documents that was used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said would happen.      Failure to delete and remove the disputed accounts that they cant verify after two written requests is also telling me the evidence of their willful disregard of Federal Law. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and a Court will order you to delete them.      You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation  of Federal Law and   evidence of your willful disregard of the law.     Please be advised that under Se ction 611 ( 5 ) ( A ) o f the FCRA you are required to promptly DELETE all information which can not be verified. I am requesting that they do this immediately.     The law is very clear as to the civil liability and the remedy available to  me ( Section 616 & 617 ) if   you fail to comply w ith 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 that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     This is my complaint and demands.
The loan in question was not properly coveyed to the rightful lender because they went out of business Even though I brought this information to the  citii  mortgage and th foreclosure attention , .I 'm  reaching out because I 've tried obtain a loan modification fro m citi mortgage  and they have place me in foreclosure.
A credit collection agency attaching privacy statements which I have not signed nor have I given authorization for them to use my ss number and information. They need to provide something I signed with the originator that states that they are allowed to seel my information to a third and fourth party. They claim to be attornies but they are representing a firm that goes under XXXX names, and send collection statements under each name when in essence it is XXXX and there is a class action law suit against them. I was making payments on my Saks Credit card but they had already sold my account ( XXXX XXXX still work for XXXX and was able to see that I was making payments while XXXX sold the account and only kept XXXX and laid people off ). As a result I will sue whomever is involved for using my information my account my data which already should be archived. It is illegal to use my name ss number and data when I did not authorize it. The privacy notice is bogus and not acceptable it is my data! And they sell my data THAT IS FRAUD!