WillisBack/dataset-financial-user-claim huggingface dataset:
As a result of previous complaint Sierra Auto Finance agreed to remove negative listings on my credit report. Which the item was removed from my XXXX XXXX and XXXX reports as the company agreed. Sierra Auto Finance then reported this as a new item to my XXXX report on after they agreed to remove it. This item showed up on my report today. I have attached the copy of my credit report where this item was reported as well as the previous complaint where Sierra Auto Finance said that they would not report the negative item anymore. Why would you agree to remove it to report it to another credit reporting agency. This is malicious, to agree to remove the item and to report it to another agency.
I have never lived at address XXXX XXXX XXXX. I have never been evicted from this property. I have never leased a property from XXXX. 
I have never lived at XXXX XXXX XXXX. This is a fraudulent address.i have never leased a property from XXXX XXXX. There are several incorrect names on report. I have never been known as any other names except XXXX XXXX XXXX. Please remove all addresses and names not belonging to me. 
I have never lived at XXXX XXXX XXXX XXXX . I have never rented from midtown properties. This is not my account. 
I have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent account.
OnXX/XX/XXXX I sentXX/XX/XXXXCredit Information services, XX/XX/XXXXXXXX and Experian a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On XX/XX/XXXXI received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XX/XX/XXXX, XX/XX/XXXX and Experian, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way forXX/XX/XXXX, XX/XX/XXXX or Experian to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from myXX/XX/XXXX,XX/XX/XXXX and Experian credit file permanently.
I have supplied the Pacific Union Financial LLC for the loan Number # XXXX All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. 
The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department Lieutenant investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch. They responded with XXXX letters confirming that they will contact all credit agencies that they reported the wrong information. XXXX of the credit agencies have been reported with the removal of the wrong information. They still have not contacted XXXX since the letter was dated XX/XX/XXXX. I have contacted both the bank and XXXX and no further outcome is being investigated. I have both letters from Pacific Union Financial and proof of multiple certified mails.
Hello, I have contacted Experian several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Experian has had several glitches which is where the mix up with these accounts came from being on my credit report. aS YOU WILL SEE MOST OF THESE ARE DUPLICATES. REMOVE ASAP Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Duplicate Navient student loan reporting on my XXXX credit report. One is reporting open with a balance and the other is reporting with a XXXX balance with the same account number.
On XX/XX/2018 I placed an international wire with my bank XXXX in the amount of XXXX with JP Morgan Chase being the middle man with XXXX XXXX In the XXXX to receive for one of there customers the money was never received to the customer and XXXX has sent 3 requests asking for the money to be return or an answer from XXXX to provide us answer where the money has gone and still NO responds from them .. I have called JP Morgan Chase for Answer No once can provide me any answers.
I received a letter from the law firm XXXX XXXX dated XXXX XXXX, 2015 that have been retained by Cavalry SPV I , LLC to collect on an amount due from Original Creditor, XXXX XXXX XXXX. 
I have never received any communication from Cavalry prior to receiving the letter from XXXX. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. 

I believe XXXX XXXX has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. 

I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by Cavalry to contact me. 

I have requested proof from XXXX XXXX proving they have been retained by Cavalry to collect the debt other than the law firm stating so on their letterhead. 

I will attach correspondence at this time and will assist you in all ways possible.
I received a loan of {$600.00} last XXXX, I have TO DATE paid {$1600.00}. 
I understand that the interest rate would be high, but this company is taking advantage of people.
I opened account will PayPal credit an was using electronic billing statements to view an keep track of PayPal credit. My first purchase went through fine and I made sure PayPal payment method was pointed to my debit card. After second purchase went through my payment method was changed back to PayPal credit. I XXXX XXXX XXXX XXXX XXXX an I say they tampered with my account. They refused reversal an I was forced to contact seller for reversal. I fixed that issue on my own, another problem fallowed one after the other. When I started PayPal credit to told me in order to make payments to PayPal credit. I had to go out of my way to get them bank account routing numbers or mail them a money order. So I opened new account with XXXX XXXX. My first payment went through fine. My second payment was declined by the XXXX XXXX  with funds in account. The XXXX did this without putting it in writing. That they no longer offer bill pay services just 30 days after I started account with them. I sent out money order after XXXX XXXX  declined my payment ... Right after bill was declined PayPal would no longer let me view the electronic billing statements for the PayPal credit services. They started out by saying there is a security issue. They blocked my public IP address an I had to use VPN to regain access to view PayPal account. Later they told me mix words security issues we are updating our policy an our web site and it took them 60 days. Once they reopened my account billing statements for PayPal credit they were still gone. They refused to tell me anything except for the very last second. When they already sent my bill to the collection in PayPal credits private collection agency. I ask them what happened they said we never got your payment. I sent {$150.00} money order by mail and on record I never made payment 's I always paid the full amount. Despite them losing my money order they hid my billing statements refused to mail it or show electronic statements. They also from the very beginning refused all debit card 's an said they are not allowed to be used to make payments with our PayPal credit services. That I needed bank routing numbers or check or money orders. As I was speaking with there collection the guy just said we take debit cards. I go what?!!! you made me get another bank account to make payments. The guy said no we can take Debit cards over the phone, who told you that? Here we go now I have provide evidence. I ordered them to close account in order to save my credit report. They took {$150.00} from a XXXX person an I pay my own medical bills. I made a complaint to XXXX and later on the phone with PayPal they said we are PayPal credit. I also found out PayPal owns XXXX XXXX an caused billing failures from all directions. I never given a chance to cover {$60.00} on fast-food. It's only thing causing interest. So XXXX XXXX, PayPal an PayPal credit work together to cause me hardship. This bill is 60 days old because PayPal lock it down for 60 days an they still refuse to let get copies of billing statements for PayPal credit services.
Navient : student loan servicer, since XX/XX/XXXXhas not made me aware of different repayment options including income based repayment and the public service loan forgiveness programs. I have worked for a qualifying non profit organization for the past 8 years. I would qualify for the loan forgiveness in 2 years. Raising XXXX kids during XXXX, I had a significant financial hardship. I was repeatedly told by Navient that I had no options during XXXX other than forbearance. Additionally was told that my only options during times of financial difficulty due to low income, was forbearance. I began doing my own research into the public service loan forgiveness program and income based repayment plans. I called Navient in early XX/XX/XXXXto initiate the process of applying for these plans. I was told multiple times that I did not qualify because of my current income at that time. I talked to a lawyer who looked into it and said that I absolutely qualify. Additionally, when I completed the application and submitted it Navient, I was told that they never received the application, however when I talked to XXXX XXXX XXXX they had a record of that initial application in their system. I talked to Navient again, and was told the application was not processed because I did not qualify for the income driven repayment plan. I resubmitted an application and was eventually approved although initially told many times that I did not qualify. This company has consistently given false information, has been extremely inconsistent, misleading, has " lost '' paperwork, and has caused significant delays in my ability to qualify and begin my qualified payments on the public service loan forgiveness program. When I did resubmit my application to Navient for the income driven repayment plan, they misapplied my information placing me on the PAYE plan rather than the rePAYE plan causing my monthly payments to be excessive. I have therefore been overpaying on my debts, watching principal continue to increase, and not having my monthly payments qualifying for the PSLFP. By rough estimate, they have cost me over 200,000 in unnecessary interest accrual.
Once again I 'm here sending an emailed complaint to you guys to handle for about Bank of America. I will upload more pics to come. XXXX/XXXX/2017 I stopped to put gas in my car. I put in {$31.00} something dollars. This overdrew my account. O.k, I get that and that 's fine they can charge me an overdraft fee. The problem is when they make all the transactions red when they should n't be. I only over drew for the gas from XXXX. They have it looking like I overdrew my account 3 or 4 times when that is not the case!!! I am about to upload the picture. The other items should not be overdrawn just the XXXX gas because that 's the very last item that i bought that was going to overdraw my account. They are for some reason charging me the overdraft fee for the XXXX XXXX payment when you can clearly see that that was in there on my picture. I had money when they withdrew their charge. Money was in there for the rest of the charges also. The XXXX XXXX and also the other food place.
It is called audit systems and I told them to stop calling and harassing me. I already took care of it with the doctor but they refuse to give up and wo n't stop calling
They are reporting negative inaccurate information. 

The payment status is incorrect. Says not paying as agreed which is false! I currently have a XXXX card and they would not have let me opened that if this was true. 

The high balance is incorrect.
i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our  authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great
My name is XXXX XXXX back in XX/XX/XXXX I received a phone call from XXXX about modifying my mortgage, it seem like a very good idea, since I was in a pick a payment loan with a negative amortization. We decided to take XXXX XXXX offer and modify. I was on the phone for about an hour, providing them with all the necessary information. They told us that it would take 2 to 4 weeks before we would get modified, 3 weeks went by, since I did not hear anything from XXXX I decided to call them for an update. and he told me that I was missing some documents. ( bank statements ) I told him that I had faxed over the bank statements 3 weeks ago.
Neatness to say I faxed over the documents again, by then my mortgage was due, so asked do I pay my mortgage or do I wait for you to call me. He said that I was modifying and I did not need to pay the mortgage, it was going to be added on to the new mortgage. but I did need to keep continuing paying my 2nd mortgage. By XX/XX/XXXX I received a letter for XXXX stating that I did not pay my mortgage. And I could be facing foreclosure. I immediately call XXXX about this letter. The funny thing about XXXXXXXX I could NEVER get the same person on the phone. Now, they told me that I was missing documents, ( most recent pay-stubs ) now I started to certify all letters to XXXX and fax them also. By the end ofXX/XX/XXXX. I received another letter in the mail, this time it said that I was going into foreclosure, by now we had enough of this, so I called XXXX to tell them that I did not want to participate in there games, and that I needed my original loan! until they said that I own them $ over 10000. How can I owe you that much in 3 months! When my mortgage was only {$1600.00}. a month. By now I was very scared, so XXXX  left me with no choice but to continue with this nightmare Again they asked me for more documents, by now there was no way out for me and my family, XXXX  was running the show and we had no control of our life 's. but we wore still paying our 2nd mortgage. I spoke to so many XXXX representative, ( have a record of ) every month they would ask me for the same things. I started to certified letters. It was always something they need it, but the funny part about it, they would never call me, I would ALWAYS have to call them, and of course, I would never talk to same person! This nightmare went on for a year, by now my credit was ruined. I 'm asking to have that removed from my credit bureaus as I had no control of the situation.
My account was hacked into and Chase bank refunded my amount then they got back to me saying I was not liable for any fraud. About a month later I see Chase Bank took Money from my account contacted them and they stated to me that i was responsible to pay amounts for fraud due to a chip being used i was a victim of identity theft. Chase Bank has not reached out to me then my account became negative due to them taking money out my account. I had to change my account number 2 x and still i called and the customer service department clearly told me we are not refunding money back to you I spoke to managers who told me they made a mistake in refunding money back to me.
Back in XXXX i sent notice to all the credit companies about fraud on my credit. They all fixed it but Experian. They left a few things on there. I want them removed asap please
Debt collector called at XXXX. I answered and indicated that this was unacceptable as it was XXXX. The caller said, " Yes, it is XXXX in Washington State. '' At this point I told him that was unacceptable and ended the call. They 've also indicated in the past this is regarding a " possible lawsuit '', but refused to identify the original creditor.
I purchased a commercial vehicle in XX/XX/2016 from XXXX ( XXXX ) and was informed that the product was a loan and that there were no penalty to payoff the loan. I later learned that XXXX was not the loan holder and that company was Financial Pacific Leasing. I also learned it was not a loan as explained by XXXX and that it was a lease agreement. This information was all learned after I gave them a down payment of {$17000.00} on {$65000.00}. I was under the impression via multiple converstations from the XXXX that my payoff balance {$55000.00}. The company intentionally misrepresented this information to lure me into a loan of which I had many other options to pursue because of my down payment amount and cash I had on hand. I never intended on obtaining a lease agreement of any sort and did not learn about the agreement until loans were already processed and finalized. I called in XX/XX/XXXX to get the payoff amount for the loan I was advised it is {$110000.00} which was a shock and no where near the {$55000.00} balance payoff I was advised of.
My American Express card was duplicated in XXXX, 2016 and according to American Express over {$100000.00} charged to my card. I contacted American Express FRAUD Division and was told not to pay on my account until the account was reconciled. As of this date, my account is still not in balance. I was accessed over {$700.00} is late fees and American Express has not waived the fees. I called them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was directed to pay the late charged and fees and American Express would refund the overpayment to me. 
I am receiving letters addressed to a previous residence. I received a letter stating my late payments will be reported to consumer reporting agencies. This is an abomination XXXX. Complete disrespect for a consumer who has been with Amer Ex for 30 years.
Shellpoint has been servicing my mortgage for approximately the last two years. They have repeatedly made mistakes with the escrow payments. This is the most serious. 

1 ) They informed me that the earthquake insurance policy was paid in XXXX or XXXX. 
2 ) I found out it was not. They had never sent a check. 
3 ) XX/XX/XXXX : They sent a check to pay the insurance premium. To the wrong address. 
4 ) Week of XX/XX/XXXX : After being informed that my insurance company had not received any money, they claimed it was still in the mail and I should just wait. I told them that was not acceptable as the policy was going to be cancelled if payment was not received. At this point, I found out they had sent it to the wrong address. 
5 ) They promised me they would overnight a payment to the correct address on XX/XX/XXXX. The tracking number indicates that they provided indicates that they have not done so. Now they are saying they are still waiting for the check to be approved and the earliest it will go out will be XX/XX/XXXX. My insurance policy will be cancelled on XX/XX/XXXX. 

They have fraudulently collected money from me to pay for an insurance policy that they have not paid. 

The latest emails they sent me are attached.
Wife and I took out reverse mortgage XX/XX/XXXX. American Advisors Group submitted fraudulent documents and took my name off deed .Wife died XX/XX/XXXX .Submitted required docs. to AAG XX/XX/XXXX was told by phone everything was fine. Problem arose with home owner ins.around XX/XX/XXXX per AAG .Home could not be insured because of damaged roof. I pointed this out to XXXX XXXX upon home inspection XX/XX/XXXX .He submitted fraudulent documents and told me it was no problem. All funds from loan were used to pay off 2nd mortgage as per AAG, and wife 's funeral expenses. I appealed to AAG to help with roof repair that I could not afford in able to insure home. There were funds set aside for home repair at this time. They explained to me I was not on loan or deed to property and home was in forecloseure. They have refused to speak to me or help me in any way since then. I am seeking to reinstate deferral period and mortgage. XXXX XXXX XXXX XXXX has also been unethical and fraudulent and home is in foreclosure in amount of {$190000.00}.
Ever since I have been working with Navient when it transferred from Sally Mae I have never been able to get a forbearance and to this day have failed to get a low income driven payment.

I have tried many times via fax mail or with the phone app. And still either missing a page or never received.

After graduating XXXX College in XX/XX/XXXX I was unaware of the debt I would have. Continuing my education at another private school as XXXX  College recommended .. I am now {$75000.00} in Debt. Thanx to high interest while I was still a student and thanx to Navient destroying my credit report, I have tried working with them to get help as I was denied my private loans I was approved at our local XXXX college due to my high debt. But I need to finish my education. Navient has made it impossible to work with, calling me at weird house, unable to get through there automated system, then unable to get forebareance. Never had this problem with XXXX XXXX. I need help as my students loans are becoming even more maxed out. I barely work as I have to take care my family I should be getting my education but I cant because of all this interest that is eating away my educational enlightenment.

Please help XXXX College was a fraud. Although they didnt get in trouble until XX/XX/XXXX. They acted the same way probably since its foundation. High interests, talk students to go to private school and never had life long job placement. They lied. They are no longer and I feel my degree is worthless. Navient refuses to listen or help mediate my frustrations. {$75000.00} debt. I am a mother of XXXX and stuck with my associates. Help!!