WillisBack/dataset-financial-user-claim huggingface dataset:
Navient is the servicer of my partner, XXXX. XXXX had a XXXX and has been XXXX since XX/XX/XXXX. I have made several attempts and have supplied them with the court ordered paperwork granting me guardianship with authority of all his financial, health, and property matters. They continue to refuse to assist me with getting some kind of forbearance for him now that he is unemployed and XXXX. 
Additionally, whenever I speak to someone, language is always a barrier.
XXXX old tax liens that were paid/satisfied/released. 
XXXX from XX/XX/XXXX for {$800.00} and XXXX from XX/XX/XXXX for {$930.00}. These showed up on my credit reports XXXX. I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed XXXX them immediately. 
Transunion removed the XXXX from XX/XX/XXXX, but not the XXXX from XX/XX/XXXX. 
XXXX did not remove XXXX. 
I would like XXXX and XXXX to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.
I disputed XXXX fraudulent inquiries by XXXX ( XXXX Bank ) and Transunion has refused to remove. XXXX has sent me a letter indicating that they were requesting for Transunion to remove the fraudulent inquiries and they have yet to be removed. I am attaching the letter from XXXX to delete the fraudulent XXXX inquiries from my credit report.
The state of California file a hold order on my account there was only XXXX in there and bank charged me a {$120.00} fee which is crazy that there charging without full disclosure when I opened the account.
I've been contacted by this company by the name of Wynberg/Wineberg Mediation Group from the following phone numbers XXXX,XXXX,XXXX even after repeatedly asking them over a course of two months they still call me on my cell phone and leave messages all the time I am sick of this at least 4 to 5 times a day threatening me with jail time and lawsuits I just want to know why it hasn't been stopped I've seen dozens and dozens of complaints about this when I research the various phone numbers they call from and to no avail I want them to stop stealing customers information and identities and trying to collect debt illegally there should be some jail time behind this!
I received an email with my online statement from a credit card I have not used in 3 years. I called the credit card company, described the situation, and they miscoded the claim so it was not put in as a fraudulent charge. I have received statements every month, and have called every month to verify that the charges were being looked into as fraud, and each month I have been told that they were incorrectly coded, they were fixing the issue that day, and I should n't worry about statements as the investigation was continuing and could take up to 60 days. Over the last week, I was receiving calls from a collection department because I was n't making the payment toward the fraudulent charge! I went through the process again yesterday, and called back today just to see if the person I had talked to yesterday had changed my account, and the man I spoke to today still had to make changes to the account. I ended up having to ASK him to listen to my past 5 or 6 calls with the company and get this fixed so I would not be in collections for THEIR mistake!
In XXXX or XXXX I borrowed from XXXX XXXX so that I could attend college. Since going to school on and off trying to figure out my path, XXXX XXXX informed me I had used all of my allotted forbearance and I had to make payments. They would not help me lower my payments and I just couldn't make them. My account went delinquent, and about 5 or so years ago they got switched to navient. I never signed anything for navient to take over. Keep in mind that what I owed XXXX XXXX doubled in 6 yrs with interest, which is a crime in itself. I have worked with navient I pay an amount i can afford but I have called many times and the settlement is too expensive and not to mention I have problems with my credit because they will not take the account out of delinquent status even though i have never missed a payment in the past 5 years! At this rate I may never pay off this account, or get it off my credit history! I need help.
****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, Experian, XXXX  and XXXX  or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has  clearly stipulated. 

Experian, XXXX  and XXXX  have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE : XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX   XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION XXXX   RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that Experian, XXXX and XXXX went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof Experian, XXXX and XXXX  do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with Experian who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
Credit Report drawn for mortgage loan. 
XXXX, XXXX, Equifax IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where.

Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''
ERC ( Enhanced Recovery Company ) XX/XX/2016 - I called them about 8 months ago as soon as I saw this on my credit report, ( I didn't even know about it ) paid off this debt in full and the collection is still showing on my credit report.
I made all my truck payment on time since XX/XX/2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted credit acceptance and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXXcredit acceptance took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/XXXX.
I enrolled in the XXXX XXXX University ( XXXX ) after responding to advertising that said I would be placed for employment upon graduation earning {$75000.00} per year. I applied for a Federal Student Loan but came to find out I was placed into a high cost private student loan. I hired an attorney. My attorney requested documents from XXXX and from Navient Solutions , Inc. XXXX is refusing to turn over my records and Navient Solutions , Inc. ( XXXX XXXX ), after receiving a request to turn over records sent my co-signor a demand letter threatening a lawsuit. My attorney has since given 30 day notice of my election to arbitrate the matter.
I had problems with a purchase made through PayPal and attempted to resolve it with the company through PayPal " consumer protection '' services. During the process PayPal 's process ; they sided with the Company with little to no research on the matter or in addressing what I said the issues were. The company offered me a 30 % discount and I attempted to change my ticket to mirror this ; however, they would not allow the ticket to be amended and only provided me with the options to cancel the ticket or provide a tracking number. It appears they are acting adversely towards consumers with their practices which I take as deceptive based on their promise to have protections. They would not allow me to open a new ticket to reflect the issue and instead said I had to resolve it with the company. This is a clear violation of 1005.11 ( e ) by not allowing a consumer to reassert a different issue with a transaction when new facts become available. I don't expect a response from PayPal but think the CFPB should look into their practices under EFTA.
The collector keeps referencing a debt with  XXXX   XXXX  for {$210.00} that I do not owe. I currently have    XXXX   XXXX   service with not payment delay.
Please investigate FRAUD by credit reporting bureaus. I ran my XXXX bureau credit with Equifax ; my banker ran my credit with their XXXX bureau credit system on the same day. The systems are not reporting the same information to the consumer that is reported to the banks. For mine, there is a huge difference between the scores yet XXXX reports are based on the same information. The bank 's scores are MUCH lower which will affect my mortgage rate. Please investigate and respond to me to learn why the consumer-facing systems do not match bank-facing systems. Are the XXXX bureau credit check committing fraud with consumers? Attaching XXXX reports summarized as : Bank 's Equifax XXXX ... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report
I ordered plane tickets and hotel rooms on my Visa Signature XXXX card. We had to cancel XXXX tickets and buy another. That is not the original issue, although it will come up later. I called to pay the updated bill on the XXXX/XXXX/16 even though the billing date on the statement I received was XXXX/XXXX/16. I got the corrected number and was transferred to the payment department. They tried to charged me the amount for the canceled tickets plus interest. After we got the balance corrected, they still tried to insist that we pay interest, even though we were before the bill due date. After arguing for a while, they conceded the interest and we tried to pay the full amount of XXXX. However, my debit card had a limit of XXXX. So we told them we would call back in a day or so to pay the rest of the charges. 

So when we called back on XXXX/XXXX/16 to pay the remaining XXXX. They again tried to charge me for the tickets I had canceled ; we cleared that up, eventually. Then they tried to insist that I owed them interest BECAUSE I had made a partial payment on XXXX/XXXX/16. They wanted {$20.00} in interest from XX/XX/XXXX-XX/XX/XXXX, equaling {$5.00} a day. On top of that, they continued to insist that there might be more charges if I did n't pay the interest that I was disputing. I told them that I would not be paying the extra charge and ended the phone call without finishing my payment of XXXX because they had made me so upset. 

On the statement they sent me, it states clearly that : " We will not charge interest on purchases on the next statement if you pay the new balance total in full by the payment due date, and you had paid in full by the previous payment due date. '' I did not have a previous balance and the due date had not passed. 

I will be trying to pay the undisputed amount again without paying the interest. However, I wanted to make sure someone knew what they were trying to do.
There are unknow unauthorized inquiries on my Experian report. Specifically, I did n't give authorization for my credit to be ran numerous times by Equifax solutions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did n't authorize it united auto to run my credit on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX  to do a hard inquiry on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX XXXX XXXX on XXXX/XXXX/XXXX. Moreover, clarity was not authorized on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. Moreover, there are numerous inquiries from XXXX credit that are unauthorized on my report. Please have these inquiries removed immediately.
I was called from XXXX on XXXX/XXXX/2015 at XXXX reguarding a debt with XXXX XXXX XXXX. The person who called me did not identify the name of the company and simply asked for me by my first and last name. When I said yes XXXX said that she was calling for a account with XXXX XXXX XXXX and I owed {$1000.00} something then went into settlement and payment options so much as offering me a settlement at 50 %. There was no mini Miranda given at any point and I was not notified the calls could be recorded and did not verify who I was by using verification methods such as last XXXX of the social security number or mailing address. I told her I would call back. I recieved a call at XXXX XXXX XXXX/XXXX/2015 and the same person left a voicemail stating I did not call her back. I called back their number XXXX ext XXXX. She again did not identify the company name. I gave her my phone number and she looked up the account and again simply asked for me by first and last name. I asked how much is owed and she went right into the account. I asked her if she was a debt collector and she said yes so I asked why she would give out personal information without verifying who i was. She stated that she asked for me by using my full name middle name and suffix included which she did not. I told her that she did not disclose a mini Miranda as well nor state the calls may be recorded. She said she didnt have to give me a mini Miranda and I asked to speak to a supervisor. She said she would transfer me and she then hung up. I called back and she said she did not mean to hang up with sarcasm in her voice and transfered me to a supervisors voicemail. I left a message stating that this is the XXXX time in less than XXXX hours that information has been given out without proper verification and have not received a call back. It took me looking up the phone number on XXXX to figure out the name of the company is National Credit Adjusters and this is not the XXXX time they have done this. I could have easily given the phone to someone next to me and they would have given any information that the person asked for.
I initiated a money transfer on XXXX XXXX, from my XXXX bank account to XXXX bank account in XXXX. My understanding was that once I was doing the wire transfer to USFOREX bank. I provided them all the information they asked for, ( who am I, why I am sending the money, who am I sending the money to, etc. ) with addresses and account information. The money was reached in XXXX on XXXX. It just sat there until I reached out to them ( XXXX ) and asked them to release it. USFOREX did nothing but wait. I even got them the release of funds wire transfer reference number from XXXX. And they are still suggesting that it will not go out today. And it was around XXXX, way before the cut-off time.
Wells Fargo owns my mortgage and I fiked numerous complaint against Wells Fargo they only play game and say we r looking in to it and we will contact u but this is just for the to but time and they dont do anything. 
I sent them copy on this letter and they said they dont own my loan Try XXXX on line and this letter that I am sending to Cfpb pip up
Therefore, let it be known : On XXXX XXXX, Equifax systems were hacked and my personal information was improperly stolen, not limited to and including : My Social Security Number, My employer, My phone number, My address, My credit information, and My name. This was an unlawful event that could have been avoided had Equifax properly secured my personal information. 

Furthermore, Equifax had a number of Executives that cashed out their stock days prior to this incident without scheduling a XXXX. This is theft of not only my information, but also willfull ignorance ( deciding to do something KNOWING the consequences and proceeding anyway XXXX. This is unlawful and unacceptable use of my personal information and my identity information. 

All those responsible for this breach, for enabling this breach, and for the results of this breach are in violation of lore - in the violation of my human rights of privacy and security. This is a theft of my privacy, security, and ultimately of any time, value and currency that I have invested into Equifax. Therefore, All that was stolen must be returned at XXXX the value.
Sychrony Bank has behaved negligently in the fraudulent issuance of credit under my name. 
My personal data has been stolen, probably as a result of the XXXX Hack. I first learned of this in XXXX 2017 when someone opened a credit card and forwarded my mail. I intercepted that effort, placed a fraud alert with XXXX ( which passed to XXXX and XXXX XXXX automatically ). Then I began actively monitoring my data with an online service. 
Moreover, upon review of my credit report on about XXXX XXXX, 2017, I saw that Synchrony had pulled my credit report on XXXX XXXX, 2017. I called to alert them to the fraud on or about XXXX XXXX, and after I identified myself ( giving my Social Sec. Number ), they informed me that an online application was received and declined XXXX XXXX, 2017, but that they would put a fraud alert on my information, noting that the application was fraudulent. 

I received an alert from my monitoring system of an issuance of credit yesterday, XXXX XXXX. It was from Synchrony Bank, which had issued a major credit card in my name, despite the fraud alert I had given them directly weeks ago, and despite the fraud alert currently on my credit report. They did not attempt to contact me. Moreover, they issued the credit despite an inaccurate date of birth given by the applicant. 
After two hours on the phone, I found that the initial credit report from XXXX XXXX had been received under an incorrect social security number, hence the fraud alert did n't trigger the second XXXX ( this despite that I had called them directly with the correct SS # ). The representative explained that their system attempts to correct for minor typos. The clear implication is that applications are matched despite typos, but fraud alerts are not. Moreover, the fraud alert on the actual credit report, which they received XXXX/XXXX/17, was simply ignored. 
This smacks of extreme negligence, if not outright complicity in the fraud. I have been assured by Synchrony that my fraud alert with them is now completely integrated with my data, and will not be circumvented. However, it is a bit hard to trust them. 

Also, I should mention that my mail has been forwarded, twice now, in order for the perpetrators to receive the credit cards issued. I have filed a complaint with the postal inspectors.
XXXX XXXX Hello, This inquiry is on my credit report that was pulled without my knowledge for a morgagte with XXXX XXXX I would like this removed as well as I did not receive a loan from this company and do NOT have any morgagte loan at all so I did not receive anything from this company and they are on my credit report and I have no business with them.
Faxed a XXXX request for mortgage assistance package to the Home Retention Assistance department at Rushmore Loan Management Services on XXXX/XXXX/2016. Called today for a status check on XXXX/XXXX/2016, and the representative said they would not review the RMA because the sale date is XXXX/XXXX/2016. I 'm not a lawyer, but in review home retention state law they are required to stop the foreclosure and review the RMA.
My home was foreclosed in XXXX and the foreclosure was complete in XXXX i have recived the transfer of deed from my name to Bank of America the complaint is its still on my credit report and would like it removed from my report so i can start new with my family i have requested for it to be removed but i have still yet to hear from them
Nationstar appears to not be answering when letters were sent to them. A Notice of Error was sent with Certified Receipt and no response came back. The last 3 months, " New Evidence '' was provided by a Federal Agency that shows that a wrong claim is being represented. This pertains to XXXX having already said they were only lender/beneficiary and had accelerated this note in XX/XX/XXXX. 

The SEC states that the named Trust is Terminated. It was taken back to XXXX XXXX XXXX to which they said that the " Assignment in XX/XX/XXXX '' is a MISTAKE. And that Trust could not have been assigned to XXXX 's note. XXXX also had caused a NOD in XX/XX/XXXX ' Solely naming XXXX. There was no such Trust as being named that Nationstar says they work on behalf. I think that " XXXX '' had transferred to Nationstar a Note that was time barred as of XX/XX/XXXX, Exceeding the CA COMM CODE 3118. No ENFORCEMENT RIGHTS REMAIN. However, Nationstar will not answer this topic. 

And the Attorney firm XXXX XXXX XXXX   was also provided " Certified Mail '' and a Demand to Release this Lien as per CA Civil Code 2941. et seq. XXXX XXXX XXXX agreed all 3 of my properties were in fact time barred and past the Statutes. 

XXXX XXXX is not answering either and stated that Nationstar will answer. Neither one is answering me on this very important topic. This can lead to stealing property from another and which I think that is what they are trying to do. They will not look at the facts. 

I am asking to Please answer the requirements of which were sent in the mail. Proof of receipt and yet they continue to state they will be answering. I am waiting for the confirmation of the Release of the Lien. This has been twice time barred. Over 12 years and stale debt being claimed. 

Thank you.
Back in 2013 my account was closed by your company. I was not given a good reason but I expect that is was due to the chargebacks. In 2013 I had my identity stolen and majority of my card numbers compromised. This was a nightmare for years to follow. I had to file police reports, have a notorized copy of FTC, and have my credit report frozen. Since then my accounts have had no more fraud, my credit still remains frozen because i am scared of unfreezing it. Now Chase treats me like a victim and will not allow me to have an account. They simple state that we do n't have to let anyone open an account if we do n't what to for any reason. This is not right!!! I did not do anything wrong and once more I am the victim. Please have someone help me. They are required to give me a satisfactory answer!! THis is not right and everyone at the exceutive office wont help me!
XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has.