WillisBack/dataset-financial-user-claim huggingface dataset:
I have called Navient on multiple occasions informing them that I was having problems with making my payments and I needed a lower option. They never gave me any options they set me up on an automatic payment option and told me I had to stick. I called back several times to let them know that this would not work for me. They stated that they only had one phone call from me and that was in XXXX. From XXXX to XXXX they never processed one payment. I would call in and make a payment. On XXXX XXXX they processed a payment without letting me know. I called in to tell them that the needed to cancel this payment because it was not authorized, they stated that it was set up on automatic payments, and that I should have told them to cancel it. I told the representative that I had called in and told them that this was not working for me and she said I had not been calling in and that the only time i called was in XXXX. I said I called in and I told them that this was not working for me and I also said that I did not want the automatic payments, no one never said that I could stop this payments until I spoke with the representative on XXXX XXXX after I had been telling them this option was n't working for me. On XXXX XXXX they finally stopped the automatic payments but now I am left with a over draft fee of {$210.00} for a payment that was not processed, my bank will not stop the check. I wish I had another option than to deal with Navient. The customer service Representative today was very nice, however previous to this one today the rest of them were rude and very demanding and did not offer any solutions.
I accidentally sent two payments to my credit card company to settle an existing balance on the card. I contacted Capital One to have the overpayment refunded to me on XXXX. They agreed to send a check using US Mail that day.

After two weeks, I still have not received my money.

Given that this missing money is a major hit to our finances, I checke
d in numerous times with Capital One this past

week to track the progress of these missing funds or to find out ( sooner rather than later ) if there was a problem. Each time I called or online chatted, I was always told the rep had researched the issue and was assured the refund had been processed. Every time I was told I had no choic
e but to keep waiting until its anticipated arrival on or before the 10th business day.

No tracking information was ever available, and no explanation was given why USPS First Class mail took 10 days to find its way between two major cities when in real-life it normally takes 2, maybe 3 at the most.

Meanwhile there was no indication on my online account to show that this payment had been processed or sent, but the online reps told me I just had to wait.

Also, Capital One insisted " business days ' were Monday through Friday, even though the delay ( supposedly ) was the result of USPS service which operates *6* days a week. This meant we had some disagreement about what date was actually the " 10th '' business day - although that eventually turned out to be a moot point. 

" XXXX XXXX '' was the third representative to discuss the problem with me today. After nearly an hour, he finally confirmed the check **was never sent in the first place** despite repeated assurances to the contrary by previous representatives. 

He offered to mail me a refund check by US mail which would take - surprise, surprise, 10 business days. This will have left me without my money for nearly a month. I asked for further assistance since he seemed unable or unwilling to take the obvious corrective steps. I was told he couldn't do anything and someone else would have to call me for further assistance. But, to get this assistance, but I'd have to wait yet ANOTHER 48 hours.

Unsurprisingly, 48 hours passed ( yesterday ) and no call from Capital One. 

I called again today and after several escalations was told I would have to wait for someone from their Executive office to contact me later. So ... another delay. 

Capital One continues to hold my money against my explicit instructions and wishes.
I received a letter of a debt in which I have NEVER had. I called and asked for supporting documentation and they stated that it was a debt from 1999 and if I did not dispute then that there is nothing that I can do now. I explained that I NEVER had the account how could I dispute it. Would not let me complete a sentence, stating I was yelling which I did because she was extremely rude and would not let me finish a sentence. Talked over me the whole time.
This debt was settled and paid in full to a different firm. XXXX XXXX XXXX XXXX is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within XXXX days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.
RE : Trident Account XXXX Dear Sir/Madame : On XX/XX/XXXX I have sent a notice to Trident Asset Management pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
When I called to follow up I was told that they have not received the notice, so on XX/XX/XXXX I filed a XXXX Complaint and forwarded a copy of the same request to Trident Asset Management. 
I have asked Trident Asset Management to validate the account and requested the account related documents. 
Instead of sending the documents to me, Trident Asset Management responded that they have sent something to me XX/XX/XXXX. I have never received any notice, letter or validation documents from Trident Asset Manage Management. To this date my requests for validation remain ignored. 
A certified mail sent to XXXX XXXX XXXX XXXX, GA XXXX remain at USPS PO Box unclaimed ( USPS tracking number XXXX ). 
It seems that the request for validation is deliberately and willfully ignored, and the company is in breach of Fair Debt Collection Practices. 
I do not recognize this debt and I request the company to immediately provide all the evidence to substantiate the claim that it 's a valid debt which I have legal obligation to pay, or cease any and all collection activities which includes furnishing inaccurate and unverified information to Credit Bureaus.
A Collection agency has pulled XXXX hard inquery on my Experian credit report with out my permission and for no legal permisable reason I have contacted them and had no coperation I would like to have them send me a letter just saying i did not authorize them to get a copy of my credit report. I have talked to experian and they recommended i file a complaint Thank you XXXX XXXX the compants name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
I have disputed XXXX XXXX XXXX with Experian on several occasions due to the numerous errors reported. Most recently, I checked the update of the last dispute to find that not only was the same information there, but that they are now being listed as a Collection in XX/XX/XXXX and XX/XX/XXXX. This account was paid off in XX/XX/XXXX. I called and spoke with an Experian representative on XXXX/XXXX/16 to find out what was going on and was told that this was the information reported from XXXX. I asked her how it could possibly be a collection in those months when it clearly stated it was paid and got the same response of how they can only report what they are sent, essentially making their " investigations '' irrelevant if all they are doing is reporting what they are given without actually reviewing it for accuracy. Since this call to Experian was made after speaking with the representative from XXXX, XXXX XXXX, I already knew that their stance is going to be that they provide the correct information and it 's the CAs that report it wrong over and over.
I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to XXXX and XXXX ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

While reviewing my personal information due to the Equifax breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have never entered into any verbal or written contract/agreement. I have not wet ink signed any documents nor authorized any electronic signature to execute this or any other account with this company. Someone has gotten a hold of my documents and applied to receive this account acting as me without my knowledge. 
Delete the following accounts : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX XXXX XXXX GA XXXX not my address
I have contacted XXXX on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. XXXX  is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.
In XXXX XXXX, I enlisted in the XXXX XXXX and a credit report was required, when I obtained my credit report I found several discrepancies. I then made contact with all XXXX credit bureaus to correct them. It been XXXX years, and there are several things that are still on my Experian credit report. The below listed items are still on the Experian credit report : XXXX XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX XXXX, XXXX ( I opened my very XXXX credit card with XXXX in XXXX, Ive never had a XXXX card ) XXXX XXXX XXXX student loans, dated XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX XXXX student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old, still in high school ) XXXX XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX missed payments XX/XX/XXXX, XX/XX/XXXX XXXX ( I was XXXX in XXXX with the XXXX XXXX XX/XX/XXXX-XX/XX/XXXX and Ive never owned a home ) I will attach a copy of the credit report to this file. 

All of the above listed are still on my Expieran credit report.
I opened a Macy 's credit card account XX/XX/2015. I set up bill payment through my bank account, with their approval. This worked for one month but no other bills appeared. They started calling, asked for payment. When I returned the collection call, the rep investigated and admitted that they had " changed their system '' and had not in fact notified me of that, nor had they sent a bill. The rep said they would send a bill and eliminate any " overdue '' charges. The bill did not arrive. I asked for a bill on the phone, repeatedly, without success. Finally, I sent a registered letter. Now I have received the itemized bill. I have sent a check for the purchase amount. However, they have added " finance '' charges dating back to XX/XX/XXXX, before they sent the bill. My credit record is nearly perfect and I do not want any blemish of any sort.
Employee XXXX called my office using different names and claimed she was a customer of mine to get through the screening process. We are a CRA so all calls are recorded. Did not indicate her true intent.
Sir/Madam : I made a dispute with Equifax on XXXX XXXX, 2016 in regards to a negative information reported by All Student loan Corporation on XXXX XXXX, 2016. It reported a decrease of my credit line. I do not have a credit line with this company. I have student loans that I consolidated with XXXX and another with XXXX ; both are on forbearance. I would like the negative reporting be strike out from my credit file on all XXXX credit reporting agencies : Equifax, XXXX and XXXX. I have attached XXXX documents : ( 1 ) negative credit report by XXXX XXXX XXXX XXXX ; ( 2 ) XXXX indicating forbearance status ; ( 3 ) XXXX showing forbearance status. I can be reached by email at XXXXXXXXXXXX. 

Respectfully, XXXX XXXX XXXX
XXXX XXXX XXXX XXXX should be deleted from my credit report. See attached letter. Please delete this account in the next 2-3 business days and send me a copy of the updated credit report reflecting this change.
USAA FEDERAL SAVINGS BANK 's failure to report in a timely manner my mortgage and mortgage payments to the Credit Reporting Agencies is hurting my credit. USAA was contacted by me and requested first in XXXX 2016 by me too report my VA Mortgage Loan and payment information. Still it has not been done, as of this date. 
I now have XXXX reporting : " What 's hurting your score. There is insufficient information about mortgage accounts. You either have no mortgage accounts, or there is insufficient information about mortgage accounts, in your credit file. People without mortgage accounts or those who do not have sufficient information about mortgage accounts are considered riskier by lenders. It is important to have various types of credit that are held in good standing in your credit file, including mortgage accounts. '' Plus, XXXX which is used by USAA reports : " Factors influencing your score downwards. Lack of sufficient relevant real estate account information. A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The XXXX credit score model relies on information in your credit files at the XXXX national credit reporting companies ( XXXX and XXXX ) to generate your score. Your credit file does not contain enough credit behavior information about your real estate accounts. A mix of different types of open and active credit accounts, including real estate loans, can have a positive impact on your credit score. '' USAA 's internal problem was also reported to the XXXX to no avail since my current mortgage information has NOT been reported to XXXX and XXXX as of this date ( see attached ).
All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of tXXXX XXXX  XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX  monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.
As stated before about my identity theft that took place in XX/XX/XXXX. There still remains one account in question of its validation. I would like to see an original hand-written signature and the original contract within 30 days of this request according to my rights shown in section 609 of the Fair Credit Reporting Act. 
Please send me copy of my authentic signature and the original account contract for this account ( circled in attached credit report ) : XXXX XXXX ... Act. # XXXX If an original signature and original contract can not be shown I'd request this account to be deleted as well. 


So far only XXXX XXXX XXXX- ( Act. # XXXX ) was able to validate themselves as a valid creditor with my original signature and original contract information. 

thank you for all that you do, XXXX XXXX XXXX this below was the original dispute I had sent you : " As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my original filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX  Credit Union Report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request. ''
I received a letter from XXXX XXXX XXXX , XXXX claiming that they are collecting on behalf of Navient Education Credit. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to Navient, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with Navient. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by XXXX XXXX XXXX , XXXX. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since Navient has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with Navient : XXXX for {$4000.00} and XXXX {$2600.00} are nowhere near the doubled amount this company and Navient are trying to collect wrongfully from me.
In  XXXX   two  times was contacted by Midland Funding LLC also  XXXX ,  XXXX ,  XXXX  by phone an have come to home they have Also called my parents home threating to sue me when they came to my home they screen my name out loud my daughter was home alone and was afraid I have asked them to not contact me again back in  XXXX
I contacted Loan Max XX/XX/2016 to ask about a title loan. I was only looking for {$1200.00} and I asked the lady on the phone what the interest rate was and she proceeded to tell me it was 24 %. So I drove 45 minutes to get this loan and after I signed everything was then told that it is only a 60 day loan at an interest rate of 324 % APR. This is predatory lending at its best, this is a classic bait and switch get you in the store and tell you everything is great and easy and then proceed to " XXXX '' you of all your hard earned money. Even though I only make about {$1200.00} a month they still did n't care and went ahead with everything anyways.