WillisBack/dataset-financial-user-claim huggingface dataset:
I sent Navient a goodwill letter regarding the late payments being reported on my credit files, also informing Navient I had XXXX XXXX around the time some of the late payments are being reported. In Navient 's response I was told retroactive deferment and forbearance processing resolved the delinquencies and past due statuses, but because the reporting I requested to be removed occurred prior to my requests they will not be able to remove the late payments from my credit report. Navient is in violation of Section 623 ( a ) ( 2 ) of the  FCRA by not removing and updating the late payment statuses. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 

I respectively ask that the lates from XXXX 2016 be removed and set to current. As soon as I contacted Navient who did n't have my contact information to inform me my forbearance was ending my accounts became current. 

Also, Navient is continuously increasing and decreasing the balances on my accounts, deleting accounts and adding them back and this is adversely affecting my credit score. I am in the middle of financing and the frequent updates are detrimental to this process. Also, I am not sure how one can go from being current one month and the next month reflects 90-120 days late and then current again the following month.
I pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of XXXX that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and ask for validation of this account. I received a letter copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to so that i call myself and dispute this directly with the collection agency. I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
The Law Offices of Mitchell if fraudulent reporting a negative item on my XXXX file. I have filed with the FTC under fraudulent activity.
On XX/XX/XXXX, I was reviewing a copy of my credit report and saw a listing for XXXX XXXX XXXX XXXX. for a debt of {$3400.00}. I sent a certified letter requesting that they validate the debt, provide HIPPA consent for PHI, and original signature of an agreement for payment. On XX/XX/XXXX, I received a package in the mail from the company. Upon opening the package I found an itemized bill with PHI in the form of XXXX codes and service descriptions. I have never authorized my PHI to be given out to any companies.
I had already filed a complaint about these attorney 's when they filed for foreclosure last year. Once I filed the complaint, they quickly backtracked on the foreclosure when I alerted them to the fact that the whole reason for the issues was that XXXX   XXXX XXXX, and then XXXX, refused to deal with the fact that I had provided insurance documentation, XXXX just refused to process it even after provided it more than once and notified them another time or two that had provided it. This is all documented with the CFPB. 

Upon communicating with the attorneys, it seemed we were going to be able to resolve the issues, finally, I had been trying to resolve issues with XXXX for probably 7 or more years. I knew they would have issues getting documentation from XXXX and I at least had the impression we could reach a quick settlement so I spent the time, acted in good faith and provided them all the documentation and we discussed what the expectations where ... I actually thought we communicated very well and of course all communications are in writing so I'm sure that can be confirmed. I was never told there were any issues with the expectations and really quite the opposite. I was told a settlement was coming, I was told that for months and then promised by the new year but yet it never came. All that was sent was some kind of statement, no documentation on the calculations, just a XXXX balance backed by no other documentation. 

During this time a lot of harassment continued. Since they filed the foreclosure they destroyed my previously perfect credit but yet I asked repeatedly if they had done anything to restore it and never got a response which of course they did nothing. Basically the whole story is they did nothing except I guess try to cover their butts. Then I got notices that some other company took over servicing, then another notice that another company took over the ownership of the loan. When I questioned the attorneys I stated it seemed odd since we were supposed to be talking about a settlement, that I had cash to cover a settlement which they were told from the beginning so why all these changes to the loan? I think it's pretty obvious while telling me one thing, their actions and intentions were something else. Then they got another attorney involved which I'll file a separate complaint on dealing with her but all she wanted to do was waste more of my time re-writing what I had already presented to these attorneys and really could tell had zero desire to do anything reasonable, to act in good faith all things considered, most likely was just another part of covering the butt 's of really everyone involved. It's just really hard to believe that no one has really been able to say, 'oops, we messed up, here 's how we're going to fix it ' and at least try to be reasonable. 

The bottom line is all of these mortgage issues were supposed to have stopped, banks and the servicer 's and their attorney 's were supposed to cut all of this out. Huge agreements reached and settlements paid but if my account is any indication of things, absolutely nothing changed!
Per the information on PMI posted to there web site provided at attachment, it states that the PMI requirement for the mortgage will be automatically canceled when the loan to value ( LTV ) of the mortgage reaches 78 % of the original property value of the mortgage. This occurred after the XXXX XX/XX/2018 mortgage payment. I called the lender to discuss this approximately on XXXX XX/XX/2018 and was informed they would look at it. I was again charged PMI in the XXXX payment so I called the lender again around XXXX XX/XX/2018, to advise that the PMI payment was not in accordance with the information posted on their website and why were they still collecting it. Again I was informed they were reviewing it and would advise me shortly. On XXXX XX/XX/2018, I received the letter from the lender provided at attachment advising me that I would have to pay {$100.00} for a Brokers Price Opinion ( BPO ) on the property before they would considering cancelling the PMI requirement. This new BPO requirement is not addressed anywhere in the lender 's PMI information and is in direct conflict with the information that is posted.
On XXXX I made a overnite deposit due to the ATM at the XXXX GA location being down. On XXXX I called XXXX to find out why it did not post. I talked to XXXX who refunded the NSF and put a total block on card for overdrafts. He said that if no funds are in the account no transactions will go through. XXXX at XXXX location XXXX who said that they do n't make deposits from the overnite deposit box on weekends. ON XXXX, charges from XXXX as a trial period ended went through. On XXXX I talked to XXXX at the call center who said that a partial block was on and any recurring charges will post to avoid embarrassment. She proceeded to put a total block on the card for overdrafts and sent me a claim form since I was not told about the reoccurring charges. After I sent the form in they sent me a letter and said that there was no error for the $ XXXX {$36.00} nsf charges.
On XXXX, XXXX XXXX I was looking to purchase a new vehicle ( XXXX XXXX Coupe XXXX ) from XXXX  XXXX Auto and I decided to finance the vehicle. It was n't even XXXX hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XXXX/XXXX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX  applied for me. Exeter Financial and XXXX XXXX which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then XXXX hours and It 's still on my credit report today XXXX/XXXX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( XXXX ) XXXX
SINCE XX/XX/XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX XXXX DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XX/XX/XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND XXXX AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO XXXX BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
Equifax reported that the personal information of over 100 million consumers was compromised in XX/XX/XXXX and was not discovered untilXX/XX/XXXX. They did not release this information until XX/XX/XXXX - more than 6 weeks after the incident was discovered. This left millions of consumers unaware that their sensitive information was compromised by hostile parties. Equifax is offering one year of free credit monitoring and repair service through XXXX, but with one serious and abhorrent exception. After going to Equifax to enroll in XXXX, consumers must wait until XX/XX/XXXX before returning to the website and continuing their enrollment. In addition, Equifax will not send any notification when this is available. Instead the responsibility is shifted to the consumer. I hope this is n't a strategic decision by Equifax in hopes that they can protect their bottom line by betting on consumers not returning on their enrollment date. That would be borderline predatory. If Equifax had 6 weeks to prepare a response, why has n't this free service been worked out? In the words of CEO XXXX XXXX, " Equifax will not be defined by this incident ... but rather how we respond. ''
I was recently send a notice of collection, that even if owed has long surpassed the six year legal timeline where is could be collected in the Commonwealth of Massachusetts. The collection agency, Associated Credit Services , Inc. had to pick up my personal information from a debt pool of file. This process of farming out openly a persons personal information with a threat of taking either legal action or an action to ruin a person 's credit report is highly illegal, and against the Fair Debt Collection Practices Act. I demand a permanent deletion of my information immediately!
On XXXX XXXX, 2016, I received a XXXX XXXX XXXX Card from Chase in the mail -- WHICH I NEVER APPLIED FOR. The very next day, I called Chase to close the account and find out how this happened. They told me that I had applied for it on XXXX XXXX, 2016 and was approved right away. I fear that either I have been the victim of identity theft, or someone who works at Chase somehow accessed my personal information fraudulently in order to open an account in my name. I had to take time out of my busy life to put a security alert on my credit file and investigate this further.
I was a   XXXX   XXXX   but now im on  XXXX  due to my   XXXX   XXXX   and    XXXX   XXXX   XXXX    are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from   XXXX  . I have papers now that    XXXX   XXXX   XXXX    are about to take me to court for. a letter has been send to them stating I am on  XXXX .
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed.
Latest Issue : defaulted on loan. To avoid Navient 's taking money from pay check signed up for 9 month payments {$50.00} on time. After only 6 months, I got forced into a consolidated income sensitive loan. I 'm unemployed. They want {$69.00} a month. I have not paid for 2 months so they want me to go into forbearance. I tried to make payment with Unemployment debit card. The ONLY form of payment they will take online is customers checking account. 
Not only did they breach a contract of 9 months but they bullied me into a consolidated loan I will never be able to repay in this lifetime. Further, they make it virtually impossible to make a payment online. I have never been asked by any billing for my checking account and not accept Debit card. The amount I owe is {$300000.00} from a loan that was {$50000.00} XXXX XXXX. The loan amount is too complicated to send via email.
I have not owe a home sent XX/XX/XXXX. XXXX County Kansas District Court, Case # XXXX, alleged that I owe {$4800.00} for KANSAS DEPT OF REVENUE. For a tax periods XX/XX/XXXX-XX/XX/XXXX. This was file on XX/XX/XXXX.The Status is TERMINATED .The Kansas Dept of Revenue file this case ( XXXX ) on XXXX/XXXX/XXXX on TAX they say were owe for XX/XX/XXXX. This case was file five years after the tax was due. THIS CASE WAS RE-AGES.I have upload a copy of the case documents ( XXXX ) from XXXX. 
PUBLIC RECORD. EQUIFAX CREDIT REPORT DOES NOT SHOW THE TAX PERIODS XXXX. THE DATE OF 1 ST MAJOR DELINQUENCY IS SHOW XX/XX/XXXX.THIS IS INCOMPLETE AND INACCURATE INFORMATION AND RE-AGES PUBLIC RECORD. 
I DID NOT OWE A HOUSE IN XX/XX/XXXX TO HAVE A TAX WARRANT FOR XX/XX/XXXX. MY CREDIT REPORT SHOW THAT I LIVE IN XXXX XXXX YEAR. AND I DID NOT LIVE IN XXXX COUNTRY. I LIVE IN XXXX COUNTRY IN XX/XX/XXXX. CREDIT SHOW THAT.THIS CASE HAS BEEN ON MY CREDIT REPORT FOR 16 YEARS.
On  XX/XX/XXXX  I signed up for the Citi  XXXX   XXXX  credit card with with a promotion that stated : " Earn  XXXX  weekend night certificates each good f or 1 weekend night ( standard r oom, double occupancy ) at select hotels and resorts within the  XXXX   XXXX  after you make {$2500.00} in purchases within the first 4 months of account opening ''.     By  XX/XX/XXXX  I met this minimum spending and on  XX/XX/XXXX  I made a payment on the account for {$3000.00} completing my portion of the sign up agreement. I waited for the  XXXX  free night certificates to arrive in the mail and when they did not arrive by  XXXX   XXXX  I contacted  XXXX  customer service. On  XXXX  I contacted  Citi c ustomer service via Chat and they referred me to telephone support. I called Citi customer service on  XXXX  and the representative was unfamiliar with the offer. The representative stated they would need to escalate my inquiry and that I should expect to hear back within one week which would be  XXXX .     By  XXXX  I had n't heard anything from Citi so I contacted Citi customer service via  Secure Messaging.   I received a message back from Citi on  XXXX  simply stating " We have reviewed your account records and have identified another account  ( s ) th at have been established and or closed in your name within the last 24 months that had special promotional bonus of fer ( s ). '' I 've never in my life had the Citi   XXXX   XXXX  product therefore I am eligible for the sign up bonus.
Transworld System, amount for XXXX. I have sent Debt Validation to Transworld System several times and they have not responded and continue to report information to my credit reporting agencys
Applied for a credit card with Capital One. Application process makes you jump through all these hoops, including income verification through fax/snail mail, which is insulting considering no other credit card issuer requires that information ( and considering my previous account with CapOne ). I subsequently provide the necessary documentation through their antiquated methods ( i.e., fax ). Three weeks go by without hearing back prompting a call to customer service. Customer service is inept, ca n't find the info to process the application, refuse to do anything else to help. Absolutely done with this company, they 've lost a customer for life.
I get an inquiries from XXXX XXXX report with Transunion. who was reported twice, I need the inquiries to be removed from my credit report.
1.Loan paid paid in full to XXXX XXXX XXXX XX/XX/XXXX 2. Account placed in collections to Real Time Resolutions. 
3. Real Time Resolutions submitted inaccurate information to XXXX, dispite the multiple submitted documentation that proved the account was paid was paid in full. 
4. Multiple disputes with XXXX to investigate and remove account. 
5. Account remains on my credit report dispite multiple submissions of Paid in Full records and disputes. 
6. Multiple inaccuracies found including dollar amount loaned, payments, and loan account numbers. 
7. Please review supported documentation.
I have disputed this debt with all  XXXX  credit bureaus. They have failed to show proof of debt, but will not remove it off of my credit. I did n't not break my lease, and when I moved out there was  XXXX  monies owed. This was never explained to me nor did I received notification about this debt prior to seeing it on my credit report.
The initial mortgage started effective XX/XX/XXXX, after 2 months with XXXX XXXX the note was sold to XXXX XXXX. XXXX XXXX determined a monthly mortgage payment of {$910.00} including es-crowed taxes and insurance for a 30 year loan on principal of {$120000.00} with fixed interest of XXXX. XXXX XXXX sold the note to Specialized Loan Servicing ( SLS ) during XX/XX/XXXX. SLS notified me on XX/XX/XXXX that the loan had accrued a shortage of {$10000.00} that resulted in a new monthly payment of {$2100.00} until the shortage adjustment was recouped. On XX/XX/XXXX SLS notified me that per recalculation the new monthly payment would be {$1700.00} as the  shortage was determined to be {$5300.00}. I was told by phone that I would be requires to pay this new monthly amount for the next 12 months. As I have indicated the payment went from {$910.00} to {$1700.00} without any means of recourse or option to repay over a longer term. The annual escrow increase from XX/XX/XXXX to XX/XX/XXXX for taxes and insurance amounted to {$72.00}. The action I find necessary is for SLS to clearly explain the shortage calculation as well as their denial of my request to lengthen the term allowed to repay the correct shortage amount.
I'm currently a XXXX  school student in XXXX. I received an unusual activity report and when i went to check noticed that my account had been virtually wiped out with thousands of dollars in transactions. These transactions ranged from XXXX XXXX, to a number of states up and down the eastern seaboard. 

After filing with dispute Bank of America rejected the claim saying it was me. To counter that, I provided evidence that I was in XXXX - I had a doctors appointment during the disputed period and provided the uncensored post appointment writeup - as well as billing statements from my XXXX school indicating that the balance of money in that account was to make an upcoming payment to the school. 

Despite this fact, and that I clearly could not have been in XXXX and at my doctor in XXXX on the same day - Bank of America has again denied the claim with insufficient reason.
i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX.  they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.