WillisBack/dataset-financial-user-claim huggingface dataset:
Received a letter from Convergent Outsourcing , Inc and XXXX regarding an account they purchased. The amount they are attempting to collect is not what the charged off amount reporting to the credit bureaus is. They have raised the amount to try and collect more money in which the amount of debt is not for.
On XX/XX/XXXX i visited XXXX XXXX in XXXX Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of 11 times. Which drastically lowered my credit score! Reading FCRA it states automobile inqiries within a 14 day period shall count as 1. XXXX, XXXX  and eqifax are all reporting each individual inquiry, which in turn harmed my credit score. I have already filed complaint against the dealership for going against my wishes. The time between XX/XX/XXXX to XX/XX/XXXX my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.
Navient services all of my federal loans as well as private loans. However, there is XXXX loan to which I have a discrepancy with. I 'm not even sure I even owe the money that Navient claims that I owe. I submitted an application in XX/XX/XXXX requesting to borrown money. However, I ca n't recall ever receiving the money. It is a {$27000.00} loan that Navient said was sent directly by me, however there is no documentation on my end that this check was ever deposited in a bank. And the loan has accelerated in penalities and interest to {$80000.00} which they wo n't reconciled by XX/XX/XXXX. I have requested in writing by certified mail, as well as in numerous telephone conversations that they send me a copy of the signed promissory note and front and back of the endorsed check, to which their either ca n't or wo n't provide. Yet the phone calls are relentless. They call my phone 3 to 4 times a day, have called my work and left a message ( which I work for a alternative school and am not allowed personal phone calls ) and they send letters and calls to other members of my family. I am not avoiding them, but have simply requested proof that I actually borrowed this amount of money. And I have also requested a reconciliation of all of my accounts being serviced by Navient in an attempt to find another loan institution that would be willing to consolidate the debt for me and give me a monthly amount that perhaps, I could afford to pay. That request has not been honored either. They say that on XX/XX/XXXX, they are going to turn me over to a lawyer, but yet will not provide me with the documentation I believe I am entitled to review.
Loan has been transferred to several different servicers, most recently Navient. When it was first transferred, the Navient representative told me that should I encounter financial hardship, I was eligible for unlimited forebearance. Not only was the forebearance limited ( 24 months, I think ), but a forbearance due to unemployment was only limited for 6 months, giving me no time to recover financially once I did find a job. I 've been trying for several months now to reach a human being at Navient to try to renegotiate my excruciatingly high monthly payments, but thanks to their automated phone system, reaching a human is near impossible. While applying for a different plan online is possible, the language is confusing and I need clarification, as I 'm afraid if I apply I 'll get stuck in a situation even worse than the one I 'm in now ( where my monthly payment is almost 25 % of my post-tax income ).
I have contacted XXXX, XXXX, and Experian several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX  XXXX , XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX
Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. XXXX is the debt collector for Chase who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD onXX/XX/XXXX for a XXXX XXXX grant. While visiting my only surviving relative, XXXX mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} by XX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XX/XX/XXXX would be a deadline date in this country, but I called XXXX that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned XXXX Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up onXX/XX/XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XX/XX/XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.
We were paying the mortgage by phone because there were no branches in the vicinity. There was a {$19.00} dollar phone fee which we never knew about until after six months therefore we were contacted by mail telling us we were behind in our mortgage and late charges and home inspection fees started to mount up. Whenever we tried to call them we were either hung up on or put on hold forever. Furthermore, they told us to apply for a loan modification, not only once but three times. They told us papers were missing, which we sent by certified mail and continued to get the run around. We have paid the mortgage for twenty three years between four different lenders. XXXX XXXX XXXX before transferring our mortgage to Nation Star told us our payments would be lowered and Nation Star never acknowledged it. When we could n't rectify the situation, we stopped paying the mortgage. We are currently going through the foreclosure review process.
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency.
In XX/XX/XXXX we contacted XXXX XXXX to ask them to change their XX/XX/XXXX report to the credit bureaus from late to no info due to the fact that we had been adversely affected by an unexpected lay off, a circumstance beyond our control. ( See attached letter ). They are currently reporting our account as late, which is hurting our credit score and has made it difficult for us to obtain needed financing to make urgent repairs to our home.
Experian, the credit reportng agency has a serious flaw with thiercredit file freeze system and service. BEWARE ; if you need to use your credit file prior to recieving your security pin by mail, which can take ten days, you wil not be able to have any credit checks. 

I spent hours on the phone with Experian today and after following the insructions to get my pin number online from the experian website, i was blocked repeatly, every step of the way. It even blocked from verifing my own identity, blocking me and constantly saying to wait until i recieve my pin by mail. I never had this problem with the other two credit agencies. 

I needed my file unfrozen in order to get approved for an apartment and was denied both by the landlord and experian because my file remained in freeze mode. Experian needs to fix this issue FAST!! 

My next step is to file a multi-million dollar lawsit against experian for this flaw in thier system
On XXXX XXXX, 2016 I took out a loan of {$2600.00} from CASH NET USA with a payment of {$450.00} per month and an interest rate of 185.76 %. I am retired, XXXX years old and on a fixed income. I can no longer make these high payments. I have attempted three times to set up a payment plan with CASH NET USA and they have refused to work with me. 
I borrowed {$2600.00}, have paid {$910.00} to date and my balance as of XXXX/XXXX/16 is {$3100.00}. 
I am asking for a payment plan that calls for a payment of {$50.00} per month with no further accrual of interest. I will then be able to pay the account off over a series of months. 
Please intervene for me to set up a payment plan that I can afford. 

Thank you for your assistance.
My complaint is that I made a transaction from my bank to my landlord bank through a system used by the bank called sure pay, which is Wells Fargo to XXXX XXXX. However, this is where my problems began because the landlord claims that he never received the money and he also showed me proof that he never received the money. I made three claims to Wells Fargo Bank in order to retrieve my money back ; but it was not successful. Also, I am on a fix income and losing that amount of money has put a hardship on my finance. This is the reason why I am seeking help from CFPB at this point.
On XX/XX/XXXX I received a debit card in my name from Chase bank, however, I do not, nor have I ever opened an account with Chase. I believe this fraudulent account is connected to a fraudulent tax return that was also filed under my name. When I reached out to the IRS regarding the fraudulent tax return, it was immediately cancelled. However, my experience with Chase bank has been quite the opposite. The moment I got the debit card, I called Chase 's customer service line. The representative told me that their fraud department wouldn't be open until the next morning. When I called the next morning, I was on the phone with Chase for 46 minutes, explaining the situation to four different Chase representatives, only to be told that they would send me a packet of paperwork in the mail. It took about ten days for the paperwork to arrive and when it did, I began to fill it out immediately. They had requested information from me, such as the account number, that I did not have. I called them asking for the account number so that I could submit the paperwork but after 25 minutes on the phone with them, they told me they couldn't disclose the account number over the phone and that I'd have to go to a local branch. I also had questions about the police report they requested which the representative could not answer. I then scheduled an appointment with Chase and when I arrived, the employee helping me had never dealt with a case of fraud before. I made it clear over the phone while scheduling an appointment that I would be there regarding a fraudulent account and yet they set me up with someone that did not know how to help me and could not answer any of my questions. I ended up being able to get the paperwork submitted. A few days later I received a letter from Chase alerting me that the account was overdrawn. A week later I received a statement for the fraudulent account, meaning that it was still open. Then, on XX/XX/XXXX, over a month after I originally alerted them that the account was fraudulent, I got a letter from them that said they had received my paperwork and were planning to close the account " soon '' so long as certain information was not provided that would allow the identity theft to keep the account open. It is now XX/XX/XXXX and I just received a letter that says they decided the account was not opened by me, a month and a half after I requested that they close it. I have dedicated large amounts of time and provided more than the necessary information to Chase in a timely manner. They aided the criminal that stole my information by allowing this account to stay open for far too long. They wasted my time over the phone and sent me to a branch with a representative that could not help me. I may be paying for the rest of my life for Chase 's negligence.
Dispute of Charges -- Offer of {$100.00} credit for applying for Citi credit card account on XXXX XXXX website is not being honored.
Sallie Mae is giving me the " run around '' when trying to get payment assistance. All departments transfer me to other departments, each stating that it is the previous department that can help. This cycle has happened 4 times that I have contacted sallie mae. The customer service center only offers a forbarance program which does not make affording the payments any easier. There was mention of a Rate Reduction program but each person I talked to referred me to another person who could " help '' all said it was another person. Again this happened 4 times. They have the absolute worst customer service. And are not willing to help at all.
TRANS UNION I S USEDING THIRD PARTY COMPANIES TO OBTAIN INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATIONS OF FCR A I MAY BE  ABLE TO SUE IN STATE OR FEDERAL COURT #  XXXX    XXXX   XXXX   XXXX   #  XXXX
Equifax refuses to investigate my dispute that items in collections are wrong, wrong dates and/or wrong amounts!!!! They gave me no proof that they even did an investigation!!!!!!
XXXX scam using XXXX. Have written confirmation of receiving tickets to XXXX vs. XXXX Game 2 for {$650.00} for 2 tickets. Used fake emails, confirmation # 's, phone # 's, names. XXXX and Wells Fargo can take no action to cancel transaction even though I have informed them it is a fraudulent transaction. I informed Wells immediately and they can do nothing - they really should do a better job of educating their customers on what XXXX is in their online portal, risk associated and differences vs. ACH / other methods ( ie no time to clear, etc. ) Lack of consumer fraud protection with banks and XXXX is a real issue.
We have been working with OCWEN Mortgage for over a year, for a Short Sale. We have been denied modification several times. Every time we are near an approval, from OCWEN, we are put on hold. Now, at the ninth hour we find out after my conference call with my new relationship Manager whom I asked specifically if we are on the Scheduled Foreclosure list on Thursday XX/XX/XXXX when our Purchaser was anxious awaiting an approval that we were not on the list, but placed on the list the very next day and then put me off until the XX/XX/XXXX when they scheduled an appointment the following day XX/XX/XXXX. OCWEN has done nothing but delay, distort and confuse me, XXXX XXXX XXXX, during the entire process. OCWEN has always acted in Bad Faith. I believe OCWEN intentionally acted in bad faith and intentional negligence to prevent me from receiving moving expenses from my family home for over 50 years. I also believe that they sent out another false inspection friend of OCWEN on Wednesday, XX/XX/XXXX when I was scheduled for sugary and made myself available to show the property to the inspector who was a friend of OCWEN and Purchases Distressed Properties and intended to Buy this Property directly from OCWEN. Given all the above we pray that OCWEN approve the existing contract for over a year, pay my moving expenses as per contract by acting in good faith for Once. 

Please help me. 

Thanks, XXXX XXXX
On XX/XX/XXXX, I received an invoice for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Graphic Card '' from a seller by the name of " XXXX XXXX XXXX XXXX. '' I had first encountered them via XXXX as they were a seller. When I purchased their product via XXXX, they had originally shipped the package under the name " XXXX XXXX XXXX. '' However, I soon received an email saying that they were having trouble with their paypal account and that I would need to pay via paypal directly ( which was the invoice they sent me ) and that they would refund me for the initial {$270.00}. They sent me Later on XX/XX/XXXX the seller contacted me via the name " XXXX XXXX '' saying that their previous XXXX account had been reported and that not to worry since it didn't affect paying through paypal. I proceeded as normal through paypal and paid the invoice. After waiting a month for my item to arrive, on XX/XX/XXXX, I messaged the seller to see when I could expect the package. There was no reply. After seeing that the package had been delivered to a post office in XXXX ( I saw this via the tracking number provided through XXXX pos ) I then reported the transaction to paypal on XX/XX/XXXX. They had me write an email to contact the seller. On XX/XX/XXXX, after receiving no reply from the seller and never receiving my item, I escalated the dispute to paypal. Within 10 minutes I received a reply from paypal saying that the dispute was settled in the favor of the seller, with no reasoning as to why. I emailed paypal again, on XX/XX/XXXX, of why the case was settled in their favor when there was clear evidence that I never received my package and no effort from the side of the seller to even contact me. All I have received from paypal so far are only automated emails.
I have a series of unknown inquiries on my credit report inwhich I have disputed before. With no tangible documentation for my sanity and/or records I'm constantly told to seek validation from elsewhere. However, according to the FCRA, if the accuser can not show substantial proof then the account and/ or inquiry shall be removed.
I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.
This number called and did n't say anything. So I called back and asked for social security number. I asked what it was for and she told me company name is XXXX. I let her know I did n't know them and what was this about. She then transfers to Virginia. Got voice mail.
I 've written Equifax twice to remove a tax lien on my credit report and my spouse 's credit report which inaccurately reflects a paid tax lien of {$1900.00}. I explained to them numerous times with certified documentation that the lien was filed in error and should be removed. Nothing was ever paid on that tax lien. A subsequent  XXXX  filed for that tax year removed the {$1900.00} debt.     Instead of Equifax actually conducting a debt, they kept sending letters stating, " Investigation Complete ''. And I know that is incorrect.     I 've emailed them copies of emails from the State of Georgia back in  XXXX  that show that lien was filed, then removed but that no monies were ever paid. In fact, the lien was reversed and we got a refund instead.     I 've explained all this to Equifax in  XXXX ,  XXXX ,  XXXX , and now this month, and they insist on ignoring it, by sending me correspondence stating " Investigation Complete ''. I know my rights. I sent them a letter demanding a thorough investigation under the Fair Credit Reporting Act, Section 609, and they sent me an " Investigation Request Form '', with no acknowledgment of the investigation.     Equifax has caused mu family undue denials and high-interest rates because they failed to follow the Fair Credit Reporting Act and actually VERIFY the accuracy of information prior to reporting it. Instead of simply verifying whether it was filed and released.     As a side note,  XXXX  and  XXXX  immediately removed it once they discovered the financial impact to our scores. Equifax does n't seem to want to remove it.
Submitted loan modification with Bayview Loan Servicing. Prior to Bayview 's decision regarding the loan modification I was contacted by a law firm that my home was scheduled for foreclosure sale on XX/XX/2018. Bayview through deception processed my loan modification with no formal decision and proceeded to push my home through foreclosure proceedings.
I disputed an inquiry that was falsely made by Consumer Portfolio Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Consumer Portfolio Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
I had a hospital visit a few years back and I did not pay it. The account went into collections and in 2016 I settled the debt and paid XXXX services and the account was removed. A month ago, XXXX collection agency reported an account from XXXX XXXX XXXX XXXX from the same date of the original visit with a similar amount. I have contacted Aargon and requested a proof of debt and i have not received this yet, I aslo provided them with the confirmation of account satisfaction and they have yet to remove this account.
I was contacted by a debt collection company called CMRE Financial Services regarding an outstanding payment to XXXX of XXXX XXXX of dentistry for the amount of {$200.00}. I have never visited the dentist school and do not owe them any money. I called CMRE Financial Services at ( XXXX ) XXXX and they told me to file an identify theft report and send them a copy along with my driving license and SS number. I have also attempted to contact the dental school in question but have not received any response.