WillisBack/dataset-financial-user-claim huggingface dataset:
Experian refuses by trickery to investigate the accuracy of accounts, and largely denies consumers the opportunity to redispute information that is on the reports. In my case, which has happened for the past 8 years, Experian keeps merging information between myself, my brother, father, and grandfather because of similar names, in my case, they assigning my brothers accounts, their home addresses, and credit information to my report, and when actively disputing the accounts, they state that the wo n't correct the information, that it is verified. My name is XXXX XXXX XXXX, my relatives are XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, this is the first instance. 
The XXXX problem XXXX, auto credit, and security national between 2012 present sent me a IRS Form XXXX, debt forgiveness, which means that it was counted as income, not debt on my annual filings, Experian refuses to reinvestigate those facts, and cites repeated disputes, so based upon trickery, they are allowed to keep the item by refusing dispute capacity.
1. Experian Credit reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 2.XXXX credit Reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 3. Name on current credit cards or bank loans reporting on my credit file does not match my name or address l attached my current Driver License Utility Bill and Social Security Card
My credit report was shared without my permission. Equifax was hacked and my information was stolen. They are completely responsible for keeping my information private and safe. Credit bureaus force me to be responsible daily, and I feel they should be held to the same regard.
XXXX XXXX XXXX claims that I have XXXX charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
XXXX XXXX is and has been in " in-network '' primary care facility I was seen at their urgent care location immediately after a serious car accident end of XXXX. Suddenly I was receiving bills from the visit and a follow up visit to my primary care doctor. As I mentioned, they are in network with my insurance company and I only have small co-pays, which were paid. I have tried several times to get this straightened out but they use a 3rd party billing service and it's just been impossible. 
Now I have been sent to collection. I do not owe this money as all care received was covered 100 % less my co-pay. 
I have attached the collection letter and a copy of my actual billing summary from my doctor 's office-XXXX balance!
This account is reporting open when it should have been closed company was suppose to send verification but it was never received
I live in Massachusetts. I was 3 months behind on my car loan. In XXXX I made XXXX payment through XXXX XXXX. They would not let me make a payment other than XXXX XXXX. I never received any notification that my car would be repossessed. However on Tuesday XXXX/XXXX/15 before XXXX my car was repossessed by Ally in my driveway. After finding out about repossession laws in MA I found out that I was required to have 21 days notice and that they could not take a vehicle from a driveway. In addition I have been not provided any information as to the company that repossessed my car nor have I been given my license plates by 48 hours. 
I would like my car released to me in light of all the laws in MA that they have broken by taking my car.
The first part of XX/XX/XXXX I sent a letter to DCI stating for them to validate a debt. I wanted a sign contract with my signature. I received a letter from them with a bill stating this debt is valid. This is not validation. I would like for them to remove this collection from all 3 credit reports because I do not owe this debt.
This debt was reported to the FTC and blocked my other credit companys 2 years ago. They moved it simply from XXXX  to XXXX. At the time of the alleged debt I was fully employed and covered by XXXX XXXX XXXX XXXX that fully covered any alleged visit and this is just games by a company with thousands of complains for doing the same thing. 

If it was supposedly after that moment I was covered my XXXX XXXX XXXX XXXX that also fully covered any such incident and XXXX was aware and should be responsible for there own billing errors
Once I completed XXXX in XX/XX/2015, I understood I would have to begin paying my student loans to FedLoan Servicing after 6 months. Though I was employed, I was n't able to pay what they were asking of me, which was over $ 1,000/month. Not to mention that I am a single homeowner with a mortgage and other financial obligations. There was no way I could afford this payment or even what was asked of me on an income-based repayment plan. For a while I decided to take a forbearance for a financial hardship, as explained to me as an option. This was honored, but as I 'm sure you are aware the interest that accrued on a daily basis was insane and added almost an additional {$10000.00} to the loan which was already over $ 100k ( this includes remaining loans from XXXX and my XXXX loans ). I always called the servicer and informed them of my issue, but each time there was nothing they could do. I suggested being able to pay at least {$100.00} to go towards the loan, but that was always unacceptable. I asked if they could consider if you have another major loan like a mortgage to help bring down the cost. The answer was always no. For any loan that I 've had ( car, mortgage, credit card, etc.. ) I 've always made my payments in full and on time and as proof my credit has remained in great standing. In the XXXX ( XX/XX/2016 ) I decided, after being advised to discontinue the forbearance, to go with the income-based repayment plan, which resulted in a monthly payment of over {$400.00}. I told them I still could n't afford this, but according to the representative I could pay what I could to avoid the continuous interest charges on a daily from the forbearance and they would n't report anything to the credit bureaus for 90 days. Well that was a lie because just recently I received a notice, better yet a threat, that they would either contact the credit bureaus, garnish my paycheck, or take my tax return if I did n't pay over {$600.00}. I would pay at least {$100.00} to ensure something was paid, but that apparently was n't good enough. I believed this was better than continuing a forbearance that would only lead me into further debt. I could see if I did n't pay anything, but my efforts went unrecognized. I feel like I was misled and now I 'm paying the price yet again for taking them up on their advice. My financial situation has n't changed and I refuse to lose my good creditworthiness, my home, or any other thing for a loan that I already advised time and time again I could n't pay. Unfortunately, I have n't received the big paying graduate level job yet, so until then I just want them to work with me because I take responsibility and ownership for my debts. I think it 's unfair that they wo n't let individuals pay what they can based on their individual situations without penalizing them for deciding to further their education. Something has got to give with these student loans. Please help me. I look forward to your response.
On XX/XX/XXXX I attempted to obtain a credit card from XXXX XXXX. I used my phone and appropriate PINs to unfreeze my credit at XXXX XXXX and XXXX for one day. I was unable to unfreeze my credit at XXXX because their automated system no longer provides the option to unfreeze credit. That was unexpected as I previously have done it several times in XXXX, XXXX and XXXX via the same Experian PIN and phone number XXXX. I also tried an alternate Experian number XXXX and encountered the same unhelpful automated system. 


Even after significant effort, I was unable to find any means to contact a live person at Experian with whom I could discuss the problem. 


The helpful clerk at XXXX XXXX suggested I contact the XXXX XXXX Credit Card Department at XXXX to see if there was a work around. My credit application number was XXXX. The contact at XXXX was XXXX at XXXX XXXX. Both she and her manager informed me there was nothing they could do and that I should re-apply for credit in 30 days! 


Although my credit is good, the inability to temporarily unfreeze my Experian credit prevented me from obtaining a XXXX XXXX credit card.
I have absolutely NEVER been late with Navient ; however, I had just in the past few weeks noticed my loans appearing late for the year 2012 on my credit reports! I called and STILL call Navient all the time, well before time for any deadlines and was NEVER NOTIFIED of any late status ( even though it would've been inaccurate ANYWAY ). I would ALWAYS call Navient well before deadlines to submit paperwork for deferments and forebearances after I graduated. I even called Sallie Mae all the time BEFORE they became Navient -- and even heard about them becoming Navient before many others did BECAUSE of it. THAT'S JUST HOW MUCH I CALL. Yet, when I called them in recent weeks, the robotic reps ( look up the calls ) kept repeating to me that I was late in 2012 and claiming that they were constantly calling me to no avail in 2012. LIES! Furthermore, please tell me why at any point when I was getting deferments and forebearances was I never granted a POSITIVE RETROGRADE? That's USUALLY what normal companies do when people are calling them repeatedly in the event that there's actually negative info reporting! I was NEVER told of negative info, was ALWAYS told " everything is fine '', " you're good '' EACH TIME I CALLED. None of the reps listened to me when I called recently. I have made it my business to stay on TOP of my business with them, yet they STILL did me wrong and has this FALSE, INVALID info reporting in my credit files, affecting my ability to move forward financially. According to consumer law, Navient is supposed to provide verifiable proof to me that I was late by providing bank statements showing late payments. XXXX even went as far to delete many of the negative accounts because Navient didn't even verify them! All of the accounts still reporting invalid, incorrect negative info for 2012 need to be UPDATED TO POSITIVE with the credit bureaus. Please expedite this dispute!
I keep receiving phone calls from XXXX. I 've left XXXX voicemails on their answering machine advising the person they are trying to contact does not live at my address. They keep calling each week. I can not get them to stop calling me despite NUMEROUS attempts to get them to stop.
My original student loan balances were {$38000.00} and {$34000.00} when the loans were consolidated and I began my $ XXXX  monthly payments on XX/XX/XXXX. I continued making the $ XXXX monthly payments as agreed until XX/XX/XXXX, when I filed a Chapter XXXX Plan. The loan servicer told me that I should not make any payments until the Chapter XXXX Plan was completed and discharged. That same advice was confirmed by my bankruptcy counsel. The Chapter XXXX Plan lasted 5 years, during which I repaid the majority of my unsecured debt and continued paying my mortgage and car payments outside the plan. Upon discharge of the Chapter XXXX Plan, Navient advised me that it had capitalized 5 years of unpaid interest, effectively doubling the amount of the unpaid principal balance. 

I am now XXXX years old, unemployed and receiving a {$2000.00} monthly social security benefit, supplemented by a small IRA fund. My wife is XXXX and also unemployed. Neither of us have been able to find employment in our respective fields. 

Navient is demanding payments of {$1100.00} for 120 months, which will result in a total repayment of over {$150000.00}. Navient purposely advised me to stop my payments during the Chapter XXXX Pan so that it could charge me nearly twice what I originally owed on my student loan. I have repeatedly requested a smaller repayment amount from Navient to no avail. My IRA will be depleted before my expected lifetime expires if I am forced to make the demanded repayment amount ( s ).
In an understanding of an " integrity and fairness to all '' are the importances of a XXXX Program. 

US Bank in Frauding and Scamming has recovered Treasury Monies in Disputes with Merchants and their Automated Deposits yielding potentially, $ XXXX {$4000.00} per Year since, XXXX. 

XXXX, XXXX, XXXX
**THIS IS NOT A DUPLICATE COMPLAINT** This is a SECOND ATTEMPT because this company has failed Federal Trade Commissions guidelines of what constitutes proper debt validation** I have previously sent two requests to validate this alleged debt on XX/XX/2018 and XX/XX/2018 under the Fair Debt Collection Act and all I received was a two statements of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I have contacted XXXX XXXX XXXX XXXX and they do not have any record on file. They are still reporting this alleged collection on my credit report, which is considered a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. THEY HAVE ALSO FAILED to provide me the following and I demand the following immediately based on my rights under FCPDA. What the money THEY say I owe is for : Explain and show me how theycalculated what they say I owe them : Provide me with copies of any papers that show I agreed to pay them what they say I owe : Provide a verification or copy of any judgment if applicable : Show me they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if they do not immediately remove this account from my credit report, they are subject to another {$1000.00} fine, plus punitive damages. I am sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from this company within 15 days followed with additional complaints to the XXXX and the Attorney General of Texas.
Promised XXXX Citi ThankYou points ( valued at {$400.00} ) when opening a CitiXXXX Checking account and meeting certain requirements. Citi customer service has confirmed that I have met my requirements, and promised the points by the end of XXXX. I have not received my points. Online customer service representatives, contacted yesterday and today, were unable and unwilling to assist me.
I settled a debt with a company called XXXX XXXX XXXX XXXX on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX updated it correctly and quickly ( because it is a proper company ) ... XXXX did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did Equifax ( which I did contact ). 

I called Equifax and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first Equifax claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then Equifax stated that the letter head did not match the creditor 's name - I explained the creditor ( XXXX ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( XXXX ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from XXXX   on my report and any mistake on their end is not my problem.

Equifax 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.
" My Great Lakes '' is a federal student loan servicer who services my student loans. I am trying to apply an extra payment to pay-in-full one of my student loans at 6.55 % interest rate ( payment made XX/XX/XXXX, received XX/XX/XXXX, applied XX/XX/XXXX ). However, Great Lakes will only apply the payment first towards any future payment due, and then any extra towards the loan I requested. In the past, I would call and have them adjust this so the payment is only applied to the one loan I wanted to make an extra payment towards - knowing that I have auto-pay set up and I am paid-in-advance ( no payment due for 1+ months beyond current billing cycle ). Great Lakes has changed their policy and are now unable to adjust excess payments to only the loan I request. Due to this, I am still being charged 6.55 % on the loan which should be paid off in full with my payment of {$2500.00} ( loan balance was {$2500.00} at time of payment ), and instead part of that payment is going towards my 3.03 %, 3.15 %, 4.25 %, and 5.35 % loans. Only {$2000.00} was applied to Loan Token XXXX, the remaining {$520.00} was applied towards other loans which are at lower interest rates.This means I am not gaining the benefit of paying off my highest interest rate loan, which means I pay a higher percentage per month in interest than I should be - this is money out of my pocket which they will not reimburse or correct. I do not want money, I only want my payment to be applied correctly, retroactively, only to loan # XXXX as requested multiple times so that it will have a " Paid-in-full '' status. Again, this is a policy change at Great Lakes which is not allowing me to apply a payment only to the one loan I request, where I was fully able to do this previously. This is wasting my money towards undue interest. In addition to multiple emails ( with my latest unanswered for 5 business days ), I called today on XX/XX/XXXX and spoke to XXXX ( employee # XXXX ) and was again told that they could not apply the payment only to my loan token # XXXX - like they have done several times in the past ( redirected an over/excess payment to be applied to only one loan ).
I received an offer in the mail for an " additional loan ''. I applied and received an email stating that I was " Approved for [ my ] loan offer ... '' as long as I verified income, identity, etc. This was confirmed on my account page with the company, which states, " Your documents have been reviewed and approved We are currently finalizing your application. A branch representative will reach out to you to you to set up time to begin your loan closing. '' I also received an " approval '' message on the webpage after submitting my application. 

I didn't hear from a rep. so I called, but was told, " I'm not approved and will receive a letter in the mail detailing why ... '' despite having an active and recent loan with the same company. I'm okay with the denial, except I was being deceived throughout the entire process to submit information and contact the local branch to " close '' on a loan. It was a waste of my time that affected my present and future financial planning and has led to losses on my part.
When speaking to Monterey Financial Services, they would not send documentation of what this debt is for. I sent a letter to Monterey Financial Services on XXXX XX/XX/XXXX and it was returned with no forwarding address. When I spoke to Monterey again, they would not give me an address to correspond with them. They stated I have to pay this money in order to get any information. They did not care that the company I originally contracted with, XXXX XXXX XXXX, went out of business XX/XX/XXXX ; therefore, there was no service provided for the debt they were trying to collect.