WillisBack/dataset-financial-user-claim huggingface dataset:
Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX   and XXXX Report Date : XX/XX/XXXXCollector : Navient Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account Nos. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, Navient Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations Navient is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this Navient Solutions continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with Navient their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the Navient Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as Navient is reporting. I have done a bit of research on Navient Solutions and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/XXXX reports from XXXX and XXXX and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.
I never received any notice to verify I owed or am responsible for this debt. I noticed this debt was in collections from XXXX XXXX only once I reviewed my credit report on XXXX XXXX, XXXX. I contacted the debt collector via phone, requesting verification and notifying the debt collector that I dispute all claims that I owed the debt reported on my credit report. The collector viciously argued with me and hung up on me twice, the first time when I was disputing the claim that owed the debt and the second time when I called to inquire the contact information of the original creditor and claims. The debt collector mentioned I did not receive bills or other information in regards to the debt because they did not have my information. The only information that the collector had was my name, date of birth, and SSN, which makes no sense and is not sufficient proof that I owe this debt or why I had not been contacted in XXXX, if I am so responsible for this debt. I have been denied of my rights to promptly, adequately, and sufficiently defend myself from such illegal, and inappropriate tactics used by this debt collector in recovering a debt that does not prove to be mine. I had never received any notice of this debt prior to me investigating my credit report on XXXX XXXX, XXXX and is when I found this debt on my credit report. I have never received any communications in regards to this debt, which has been illegally reported and misrepresents any debt in which I owe or am responsible for.
I have submitted the sam e 1 page of paper work from   XXXX   XXXX   5 times since  XXXX  to remove their info from my credit report. It is for a Foreclosure.   XXXX   XXXX   has acknowledged and states in their response to me which I have sent Experian they were INCORRECT in filing the information on my cre dit history.After  submitting this to Experian and hours on the phone with them, they asked on the last submission  XXXX  I submit it vi a internet .The other s I mailed because I was unable to scan the documents until the last submission.They responded with wanting my I.D . again which I have sent at leas t 2 others ti mes on this complaint.I mailed it with a signature required  XXXX . on  XXXX . I sent m y D.L., SS  Card, and Passport. They have responded again with a refusal to remove inacurate info even thou the company who subitted it wrote a letter they made a mistake I submitted everytime.The other  XXXX  credit Bureaus have removed it the first time 6 months ago. I am now blocked off there site when I just tried to dispute this again. It seems whoever is handling this, it has become personal for some reason. Maybe they believe I wo n't take steps to try and rectify this. I was trying to buy a home. This is the only thing standing in my way. The correct information is a Deed  in Lieu for my sinkhol e home by  XXXX   XXXX   XXXX   correctly recorded  XXXX . It was purchased  XXXX  for remediation and people are living in it.   XXXX   XXXX   made the error  XXXX  .Experian nee ds to know they ca n't do this.They do n't like my attitude by now I 'm sure, but that is no excuse to play  XXXX  with someone 's credit history. I have the   XXXX   XXXX   letter, Clerk 's Office Copy of last  XXXX  when my name was taken off and signed to  XXXX . The new owner 's info  XXXX   appraiser 's of fice. I sent ALL of this everytime with my dispute. All I get is a refusal without explanation. I will be on the phone again with Experian and contacting m y State Attorne y General. PLEASE HELP ME!  XXXX   XXXX  I did attempt to download the same docs to your site fro m a flash drive but did not see anything that was apparent it did load. I can readily supply it. Please advis e me if you need it. I tried again at the end before I hit submit but could not tell It 's PDF format and I also tried WORD
My Complaint is against Citibank. I am an XXXX ( XXXX ) from XXXX, where I usually live. I keep travelling all the time, to various ( around XXXX ) Countries, giving XXXX. During XXXX such trip to the US during XXXX, I opened a Checking .Account and Savings Account with about {$500.00} and {$1400.00} respectively, with Citibank in XXXX XXXX ( XXXX XXXX XXXX ) XXXX. I was told, it is a FREE Checking Account and there were no charges, whatsoever. I did not operate these accounts for about the last 7 Years or so. 
During my current visit to the US, I was shocked to see that my accounts were almost wiped out clean, but for the {$200.00} remaining, which I hastened to withdraw. I got furious and took up the matter with the Branch Officials. But they say that they transferred all this money from my Savings to Checking, as some Bank Charges. Surprisingly, I never got any notices in this connection. Besides, my account online banking Log in was XXXX after about an year or so of opening the account. Further, since the Accounts have been in a dormant and non - operative condition, they should have kept them in a separate portfolio, as Banks in my Country and various other Countries I travel to, are known to do. Instead of doing any of these standard Banking practices, Citibank chose to conveniently siphon off the funds from my accounts, which is very shocking to me.
I wanted to rent a house for my vacation for new years. The person who put his apartment 's advertisement for rent in XXXX asked me to transfer rental amount by western union. At the beginning I had doubt about it. But I saw that XXXX approved that person ( as it mentioned by government issued photo ID ) and also people left good feedback about that host, i trusted that person by these facts and sent money to him.
Sallie Mae and now XXXX was my prior servicer. I have been working at a non-profit, as I 'm working towards Public Service Loan Forgiveness. After discussing this goal with Sallie Mae on multiple lengthy phone calls, and switching to the correct income based repayment plan as instructed, I began making what I thought were qualifying payments. I even called a second time to confirm, as was told I was doing all the necessary steps. It was n't until just last year, when a very helpful customer service rep thru XXXX, made comment that most of my loans were not qualified loans, after paying on the loans for 2 years. After a relatively easy application to consolidate into a " XXXX '', which the very nice customer service representative at XXXX XXXX did for me, I am now on track for loan forgiveness, but {$150000.00} of my loans are now 2 years behind in payment. This is VERY financially damaging for me, as my monthly loan payment does n't even cover the current interest accruing.
InXX/XX/XXXX, I sued the rental company XXXX XXXX, who falsely reported a debt I never owed the company. I sued the company and won a judgement. The company was owed {$0.00} from me and I won a cash amount from them. I.Q. International is refusing to take this information off of my credit report. This false information is effecting my ability to buy a house.XX/XX/XXXX- I spoke to XXXX at I.Q.International about the false information reported. He advised me to fax information to prove the debt is not owed.

XX/XX/- I called employee # XXXX at I.Q. International to verify fax had been received. She rudely informed me that the debt was mine and refuse to inform me of the next steps to take to resolve the disagree I am having with the debt.
On XXXX XXXX, 2015 Nation Star and XXXX XXXX Trustee are threatening to sell my homein XXXX XXXX Ca XXXX XXXX bought and owned by me for over 15 years ). 

This is very disturbing since this threat along with Nation Star and their Trustee are NOT following Federal and State Law, The California Home Owner Bill of rights and the settlement that was made by the California Attorney generaland Governor specifically : OFFICIAL NOTICE TO STOP ILLEGAL SALE by the trustee Offices of XXXX XXXX and NationStar1. Nationstar is breaking the law. 
2. Your office is a California Law Office and as such must advise your client and follow the California Laws. 
3. We have requested over 5 times to have a " single point of contact '' this has never happened and is still not happening!!! 
4. As you know under California law : " GUARANTEED SINGLE POINT OF CONTACT '' NATIONSTAR failed to do so. 
5. QWR and alleged Debt Validation : We have requested over 5 times. 
6. NATIONSTAR has failed to provide. 
7. Account Reconcilliation of the alleged debt : We have requested over 5 times. 
8. NATIONSTAR has failed to provide Reconcilliation accounting. 
9. Accounting and Re-instatement figures : we have requested over 5 times. 
10. NATIONSTAR has failed to provide Accounting Re-instatement. 
11. Loan Modification has been submitted as a consideration ( if Nationstar provided ample proof of the alleged loan ) 12. Severe violation of the " DUAL TRACKING '' law. 
13. Defective documentation and defects in alleged loan and alleged foreclosure. 
14. NATIONSTAR has failed to provide all requested items from the foreclosure procedure and guidelines as provided by the California Statutes and law. 
15. NATIONSTAR has failed to comply with the proper notification of at least 30 days " trustee sale '' by not mailing " certified '' nor " registered mail '' nor even " regular mail '' nor with an email nor with the " single point of contact '' as provided by California Law and Protection. 
Due to all of these reasons and more ( as we have other items that have been requested as part of the '' debt validation process '' ), it is hereby Demanded that the illegal " trustee sale '' come to a complete Hault and that at thevery least be placed on an immediate " HOLD '', " POSTPONEMENT '' while a FULL INVESTIGATION takes place. 

Thank you,
EXPERIAN is reporting two accounts XXXX XXXX XXXX, ACCT NO XXXX and XXXX that should not be reporting as medical collections on my file.BOTH services at the original creditor were adequately insured but not properly billed.They should be removed from my file.Experian refuses to reinvestigate these fraudulent billings and collection.
Since  XXXX  of  XXXX  I was on a repayment plan with   XXXX   XXXX   XXXX   that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,   XXXX   XXXX   XXXX   is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist. ''    XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled the  five m onths and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during th e five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.
On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously. 
The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information. 

The accounts are listed on the attach police report
I acquired this loan on XXXX XXXX XXXX XX/XX/XXXX. I am so sorry that I ever agreed to let this company finance my loan. It has been nothing but XXXX and heartache. I have had this loan now for five years of XX/XX/XXXX. 
Over the length of this loan I have made late payments. The reason for this was either being laid off, lost a job and unable to find a new job. I am not currently on XXXX and making much less then I was making. 
Since the loan began I have made 45 payments. In those 45 payment I have made payments in the amount of {$18000.00}. From those monies the company has applied {$14000.00} to interest, {$3000.00} to the principal and {$1300.00} to late fees. So how is it over a five year period they have only applied a little of XXXX dollars to the principal. This clearly is a rip off. 
I received my current statement in the mail yesterday and they are telling me the amount due is {$1800.00}. They have to be at of their XXXX minds. I was behind and received a letter stating that they wanted {$1000.00} to make the loan current and I made that payment on XX/XX/XXXX. Then in XX/XX/XXXX made a payment of {$400.00} They are clearly taking advantage of their customers. On this statement they are saying there is past due amount of {$400.00}, accrued interest in the amount of {$210.00} and Unpaid late fees in the amount of {$1000.00}. 
This is absolutely crazy that these creditor are allowed to take advantage of hard working individuals. So my loan it do to mature on XX/XX/XXXX. How in the world will that ever happen at the rate they are XXXX me?????????
I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.
My daughter filled out a lease application for a college apartment. 
XXXX XXXX emailed asking us to fill out a XXXX application. We NEVER completed an application or even responded. XXXX XXXX from XXXX XXXX continued to send us emails. In her email, she stated that My daughter signed a contract but needed several forms in order to move forward with the unit placement. We knew that my daughter was unsure whether she would be living at this location, so we did NOT reply. We did not leave a down payment or deposit. We were sent several emails stating that the lease was incomplete and that they did not have an agreement or proof of income.Also stated, was that it needed to be notarized and completed by XXXX/XXXX/15. We were then notified by a collection agency, ( XXXX ) asking us to pay {$8900.00}. They stated that they had an esignature on the guarantor lease agreement. We asked them to provide us with a copy of this document and proof of esignature. They stated that they would send us this within the next XXXX to XXXX business days. NO DOCUMENTS WERE EVER SENT OR RECEIVED. The next thing I know, we see a collection on my credit report! We contacted XXXX, at the XXXX and she advised us to file a dispute.
I would first like to say I have never once defaulted on my student loans nor can I recall making a late payment ( not saying it hasn't happened, I am just unable to recall at the time of composing this letter. ) I have struggled with Navient and their unfair business practices for quite some time. Their representatives have always taken on a more aggressive tone when I've outreached the company over the years of my loans being in repayment ( since XX/XX/2010 ). 
I have always needed some type of program assistance in repaying my loans. The only assistance offered over the years has been a forbearance period ( where interest continues to accrue while not being obligated to pay ) and an interest rate reduction program. While struggling to repay loans each month, i've always made due, especially when single and without the responsibility of maintaining a household. 
While I continue to submit my financial status on a yearly basis, lately I have grown more frustrated as it appears that Navient continues to provide a monthly repayment amount that is not conducive to my situation. What is the point in disclosing all your financial obligations to a company just for them to provide you with a figure that THEY feel is reasonable?? I am not only repaying repaying Navient for my private loans but also repaying my federal loans through a different servicer as well. Several weeks ago, I phoned Navient ( as i often do ) in effort to discuss the figure they provided following the submission of my financial status documentation, due annually. I was provided with $ XXXX/mnth. I  explained to the representative if there was any way I would be able to qualify for a lower payment as it would be a great hardship in trying to make that payment each month. The representative ( in which I regret not taking his name ) stated that there was no other lower payment options available to me. I advised the representative that it wasn't the fact that i didn't want to pay, it was more of not having the funds to pay that given figure. The representative callously informed me that if i wasn't able to pay then i would simply default on my loans ( which I am aware of ) and have them sent to collections to be dealt with. I was really taken aback by the representatives remarks as that isn't the goal of anyone who cares remotely about their credit. I am maintaining a household in which I am also the " breadwinner ''. On top of weekly daycare expenses, mortgage, car payments, utilities, groceries, medical bills, and monthly federal loans expenses, i am drowning and wish there was more that could be done in lowering my payments with Navient. It has been so frustrating with dealing with Navient regarding a plan that works for me, not just a plan that they come up with that they simply advise " it's as low as you can go. '' In closing, this complaint is more two fold, as one sees, I am not only having issues lowering my monthly payments but also having revolving issues with the lender/servicer ( Navient ) as well.
My name is XXXX. XXXX in XXXX XXXX I sold my house in XXXX XXXX to " XXXX ''. We met in their offices I asked for XXXX $ which was a little over what I owed the mortgage company. They wrote me a check for the difference I handed over my keys an moved from XXXX to XXXX. A few times after that the bank would continue to take the money out of my account for the mortgage but I contacted the realtor for we buy ugly houses an they fixed it. 
I heard nothing more about the house until I briefly moved back to XXXX in XX/XX/XXXX. Then I found out the house I " sold '' was probably a rent to own an the people I thought I sold a house to stopped making payments. Still at that time I did n't feel it had anything to do with me as I sold that house. In XX/XX/XXXX I heard I was in foreclosure for that house. I received a notice from Nationwide, I sent them a lette saying I sold that house. First problem was since it was over 5 years since I sold it I had thrown away the paperwork from the " XXXX " people. Second problem seems to be no deed was ever transferred, recorded Or in evidence of the sale I thought was completed. I was still listed as owner. 
Despite several attempts to try to tell the I do not own this house have reaped no profit nor made any payments on it since XX/XX/XXXX. 
They are pursuing foreclosure on this house. I now live in Nevada an I do n't know what to do. A realtor friend of mine told me to contact you, please help I feel I have been the victim of fraud with these people " we buy ugly houses '' an feel helpless to stop this. I own nothing, have nothing an ca n't afford a lawyer. Thanks XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX
SLS ( Specialized Loan Servicing ) is now as of XX/XX/XXXX servicing our home loan. It was transferred over from ( XXXX XXXX XXXX XXXX ). Just yesterday this Sat XXXX we received a letter from SLS requesting to provide our Flood Insurance, which should have been information that should have been transferred along with all our other XXXX information. The issue is that they are stating that they have already placed a flood insurance dated as of XX/XX/XXXX when we have just been notified that we need to provide our proof of coverage. 

Attached is our Flood Coverage Declaration page as well as our letter that SLS sent us that on the bottom states the 3 different ways we can update our Insurance Information. Well,,,, we attempted 3 times to enter the supposed Reference PIN number : XXXX and it comes up as " Incorrect PIN Number. 

This is how XXXX first attempted to add additional fees to our old mortgage even when we provided proof. On my previous complaint # XXXX on this company taking over our loan I expressed my concerns of how horrid this servicer is and how disappointed I am with XXXX for transferring over the loan. 

Now this is the beginning of our old nightmare all over again. I am faxing SLS the Flood Declaration page via Fax and Mail but I ask that you ensure they follow through with them updating the information so that they do not add fees or an additional Flood Insurance and tack that on to my Monthly Mortgage and its an literally 3 times more the price. 

I ask for your assistance and protection from this form of PREDATORY FEES beginning again.