WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out to navient 2 different times. Navient continues to try to collect payments for a school I didnt attend. In XXXX I attended Florida XXXX University that abruptly closed down due to bad business practices and accredidation issues. After closing it reopened under a new name called XXXX University and even though the same company XXXX colleges was over the new named school they still refused to except the credits from the prior school they shut down. I was unable to complete school because it shut down and no other school would transfer the credits over. I then started recieving bills from Navient trying to collect for XXXX University. I Explained that I never attended XXXX and that I only attended Florida XXXX University and that due to that school closing down while I was attending it qualified for loan forgiveness and that XXXX XXXX Florida campus on XXXX XXXX had shut down as well and qualified for loan forgiveness. I sent them my transcript that only shows Florida XXXX University but they continue to tell me I went to XXXX and that the schools code remained the same. Even if the school code remained the same the school still shut down. I then showed them on the federal website where everest is on the list for closed schools but they continue to say XXXX is open since at some point they opened another campus outside of XXXX in orange park, Fl on XXXX XXXX but even that location closed down and did n't even offer he same courses. I even asked them to show me proof of attending this school signatures or paperwork and to just simply validate this debt as law requires but they claim the records are stored away. Ive spoken to mangers and faxed papers and now they wont even return my calls, I finally spoke with someone name XXXX in XXXX XXXX and she emailed me a signed form that still said Florida metropolitan university. Navient has systematically and illegally failed me at every stage of repayment and has created obstacles so that I cant resolve this problem. They continue to provide me bad information. I want this removed off all three of my credit reports. While reading my most recent credit report it shows 3 seperate loans. One for from XXXX XXXX for {$610.00}, XXXX XXXX for {$2100.00} and XXXX XXXX for {$130.00}. I want all three of these loans deleted from my credit file with all 3 bureus.
I am writing about a billing from the Public Defender 's Office dated XXXX/XXXX/XXXX. To date, TWELVE YEARS LATER, I still have not been provided with a detailed itemized bill listing the services rendered. I XXXX requested an itemized bill on XXXX XXXX, XXXX. That request went unanswered. My XXXX notice of the {$2400.00} billing was a XXXX XXXX, XXXX notice from XXXX XXXX XXXX advising me that the Office of the Public Defender referred my account to them for collection. I wrote again on XXXX XXXX, XXXX indicating I had not received any documentation, requested the detailed time sheets and asked what recourse I had regarding the gross professional negligence regarding the " service '' I received. No one in the office, responded to my letter. On XXXX XXXX, XXXX I received another notice, this time from Financial Asset Management Systems, indicating they represent New Jersey 's Office of the Public Defender for collection of the balance I owe. Again, on XXXX XXXX, XXXX I wrote still another letter, attached my previous request and asking for detailed information on the services rendered by the Public Defender on my behalf. 
The New Jersey XXXX XXXX XXXX XXXX XXXX sent me a printout dated XXXX XXXX, XXXX from XXXX omitting any contact information for any further inquiries. In addition, there was no reference to what recourse there is for any disputed charges, just long-worded reminders about their authorization and powers to collect through whatever means possible. I have serious issues with the billing and wrote XXXX XXXX XXXX from the NJ Office of Dispute Settlement on XXXX XXXX, XXXX. Unfortunately, many of those represented by the OPD do n't have the resources to do so and may very well be unfairly charged and financially victimized. I was referred to XXXX XXXX XXXX, Chief Fiscal Officer of the NJ Office of the Public Defender, who sent me an itemized billing and offered me a settlement of {$750.00}. I refused any settlement because I disputed the services provided in detail and XXXX XXXX said he referred my entire matter to the NJ Public Defender Management for a decision on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, according to XXXX XXXX, my matter was still under review. I have not heard a word from NJ Office of the Public Defender Management on my dispute nor an answer to my questions which I have been asking sinceNow, for the XXXX time ( XXXX, XXXX, XXXX, XXXX ) I am receiving collection notices, this time from XXXX of Michigan. I have not received the documentation I have requested for over TEN YEARS from the NJ Office of the Public Defender, but am receiving collection notices for a debt which is invalid. 
I can and will provide documentation, names, dates, etc. to support my statements.
I received a notice from SLS regarding its intention to foreclose on my home located at XXXX in XXXX GA. Included in the package was an application for alternatives to foreclosure which I completed and submitted. I then received a notice indicating that the property would be sold at auction on XX/XX/2016. 
I was told that I did not qualify for a modification because I had XXXX done during the past five years but would be considered for other programs. Meanwhile, I kept receiving requests for additional information to be part of my application. I submitted the requested documents and more requests kept coming in. I submitted the documents and was told that the sale would proceed as scheduled. 
After the sale date, I contacted SLS to find out the status of the property. I was transferred to various departments within the company until the phone eventually went dead. I could not determine what happened to the property. Finally, I received an eviction notice and moved out of the property. 
Earlier this year, I received a XXXX for debt forgiven in the amount of about {$130000.00}. I could not understand the document and called SLS to obtain an explanation. It was at that point that I learned that it was a short sale and not a foreclosure. I was told to submit my request for an explanation in writing which I did. I then received a letter indicating that I sent the request to the wrong address. I did not physically mail the letter but used an email address that I received from SLS. SLS indicated that they would respond to my request but have not done so to date.
The information being used by Equifax to develop their Knowledge Based Authentication XXXX KBA XXXX questions is incorrect and does not allow me to correctly answer the questions and keeps me from initiating online disputes or requesting a free credit report. This incorrect information was also used to keep me from applying for XXXX Membership. I called Equifax to find out how to fix it and was transferred to XXXX people ; the XXXX woman that I was transferred to was extremely rude and laughed at me, and then refused to allow me to speak to a supervisor. I am exasperated.
Experian, XXXX XXXX  XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I am writing to dispute the following information in my file. I recently received a copy of my credit report  s (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
This complaint is file to have the CFPB review the attached documents and hopefully see that Wells Fargo Dealer services altered contracted due dates in order to receive additional monies toward forced insurance that already had be contractual met. They refused to answer the State Attorney General in fact they avoided answering the question all together and repossessed my vehicle all together based on the lie they created. The repossession was no more than a retaliation for taking them to Small Claims court to get them to clean up their mess they created. No matter what you request of them they will ignore you or send false witness about the whole situation
XXXX XXXX for the amount {$330.00}. 
I have sent XXXX XXXX a debt validation letter and XXXX XXXX has not responded or removed themselves from any of the credit reporting bureaus. 
I have n knowledge of this debt nor XXXX XXXX.
I have recently had a problem with my XXXX credit card. Today i received a call from a collection agency about my XXXX card. I have received no notice of this from XXXX themselves. i was just hit with a phone call that my account has been sent to a collection agency. What shocks me even more is that it was for the Amount of XXXX. I was shocked at this phone call so i called XXXX in order to better understand the situation and all i received from the representative was that i had to pay the amount, and that nothing could be done about the fees!!!! I did n't even realize i owed money to XXXX, and i was NEVER contacted by them.
I had a major loss of income in the pass, I 've been trying to obtain a loan modification from my servicer on my own. Things started out well, submitted all requested documents without any issue but since XX/XX/XXXX the servicer has stopped communicating with me. So i contacted via the telephone to see what was going on, I was told that they did n't receive the requested documents i was missing page # XXXX and thatvi needed to resend the entire package and I complied for them to tell me page # XXXX is missing i faxedthe entire package XXXX more times to only be told something else was missing I again contacted my servicer and told them i felt that they were giving me the run around and that i 've used the same fax machine since the beginning with absolutely no problems the prnt out states received ok and how many pages sent at this time more than a month later I was told to just resend page # XXXX which I did and to pay stubs which I sent as required per page # XXXX ..previous stubs had expired.. I received a letter dated XX/XX/2017 that they could n't review my application for a modification because there was less than 45days until the sale date. Please note that my income is adequate for a modification. I feel that my servicer purposely stalled for time so I would n't be eligible to modify my mortgage. There were other incidents that have occurred during this process that I thought maybe they made an honest error but once this happened I knew they were n't honest errors..example ie your monthly income before taxes is XXXX dollars which in fact it was over XXXX.. I need this to be looked into because i can afford to keep my house. 

Thank You
I tried to have my mortgage re-financed through Wells Fargo. I paid {$430.00} for an appraisal of my home. They ultimately did not give me the re-finance, but told me my appraisal was good for 6 months. I went to another mortgage company and they want an appraisal as well. I told them to use the XXXX I just had done for Wells Fargo. They said it would be fine, but Wells Fargo has to transfer it into the name of XXXX XXXX. Wells Fargo is ignoring my requests and The man from XXXX XXXX 's request as well. I feel that because I paid for the appraisal it should belong to me, not Wells Fargo. I want them to transfer the name on the appraisal to XXXX XXXX so I can continue with the refinance of my mortgage. Wells Fargo is also who I have my mortgage with now.
I initially invested in a 7 ye ar CD with Discover Bank. The CD matured a  nd I allowed it to be automatically reinvested in another 7 year CD with Discover. I decided to close the CD and understood that I would incur a penalty for early withdrawal. My previous documentation from Discover Bank stated that early withdraw penalty would be 15 months simple interest. After closing the account I was told that I would have to pay 24months simple interest for a penalty. I never received any documentation from Discover Bank bef ore the renewal indicating the change in terms. I just received a letter saying it was renewed with the new interest rate. I feel the penalty was excessive which actually cut into my principle. They not only use money for free 16 months but decided to take a little extra for themselves. My main complaint is that Discover Bank never sent information of the change in term s of the CD rene wal.
making car the car was sold a letter was sent to the title loan company telling them the car going to auction off they never came to get it now they are calling me this loan was made harrssing XXXX XXXX XXXX XXXX XXXX XXXX lone star title loans XXXX XXXX XXXX also XXXX XXXX they call you about XXXX XXXX time per day
I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

Please help. 
XXXX
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.
I requested that Home Depot XXXX provide me with business records relating to my account. I requested the information XXXX XXXX, 2016 in writing. I contacted Home Depot on XXXX XXXX, 2016, to inquire about the documents that they had 30 days to submit. I spoke with XXXX XXXX and XXXX in the customer protection department, they XXXX stated that they do n't have to provide me with any forms of verification of the debt
unbeknownst to me i was paying  XXXX   XXXX  instead of capital one. The balance was  XXXX  dollars. Once i realized this mistake I immediately paid it in full. There was no intent or malice in our part not to make this payment on time, as we are in the process of securing a construction loan. It would be foolish and reckless to do so. The item in question was for  XXXX   2017 , billing cycle.
I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my equifax, XXXX, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 -XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX  - XX/XX/2018 XXXX XXXX XXXX   - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**
I have sent XXXX a request to investigate some accounts from my credit file and they are not responding.
Today, XX/XX/XXXX, I attempted to use my Wells Fargo debit card at a XXXX grocery store located in XXXX, Texas. I had successfully used my card about a hour before at XXXX located in the same strip mall. In an attempt to pay for my groceries, I swiped my debit card. I was told the transaction was not authorized. Despite the fact, I had well over the amount in the account ( even after the previous XXXX purchase ). The check out person suggested that I try again, which I did. XXXX again, the transaction would not authorize. So, I used a debit card from another bank, which did go through. 
When I called Wells Fargo, to inquire what happened, their explanation was that they were concerned that I had been to XXXX previous to using my card at XXXX. So, without a text to my cell or a call, they blocked my card. In response, I explained how I was at check out with a cart full of groceries, not knowing why the card was blocked. The Wells Fargo rep again, just repeated that it was because I had shopped at XXXX previous. Is this something that they do to all of their customer 's accounts? My husband and I have been Wells Fargo customers since XX/XX/XXXX, why the hyper diligence regarding me using my debit card? 
In addition, before the customer service rep would speak with me, she required me to give my XXXX Wells Fargo credit card identification info! The credit card is not linked to the debit card 's checking account. It is an entirely separate account. She asked for this info even after I gave her the identification info regarding the debit card account, as well as the last XXXX digits of my social security number. 
Should I assume that for some reason I was deemed a person of suspicion? How do I know if and when my card will be subjectively blocked? I understand Wells Fargo, like many banks, take fraud related measures to protect accounts, but if Wells Fargo wish for its customers not to shop at XXXX using their debit card, they need to make a public statement. Otherwise, they position themselves as having final say as to where I can spend MY money. 
I would really appreciate an explanation as to their reasoning and if this type of action is within their legal rights.
I no longer have an account there and they still report me to credit bureaus negatively affecting my credit. Had an account only couple months and went with another company ... this has been years!
I requested the copy of the original note I had with Navient. Navient is providing incorrect information to XXXX XXXX XXXX and refinancing amounts that it is impossible I owe. Navient refuses to provide a copy of the note, amounts owed, how it was calculated and the amortization schedules I requested via certified mail. Instead, they send me letters to swear that I do n't have a loan. I do n't understand why Navient ca n't provide this information to me but they easily provide a document to XXXX XXXX XXXX swearing a certain amount is owed but they can not provide the supporting documentation to me. Now XXXX XXXX XXXX is overcharging me due to Navient 's incorrect information and refuses to correct its documents and provide the documents to me so that I can correct their error. This is causing me to owe thousands of dollars I am positive I do n't owe. I am a XXXX for XXXX XXXX for over ten years and this is taking money away from my own children. Please let me know what Navient discovers and/or provides regarding my note, interest owed, calculations, etc. Thank you.
I received a letter from a XXXX XXXX XXXX , XXXX. saying that I owe them {$14000.00} on behalf of XXXX XXXX XXXX. As Ive already explained umpteen times to XXXX XXXX, the charges that make up this balance ARE NOT MINE!!! I will not pay a XXXX of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!
I have reached out to the company to get proof that the reporting information is correct and they will not send me anything back. I 've contacted them by mail with certified letters and still ca n't get a response.
This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, Experian and XXXX never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.
National Credit Adjusters sent me a letter stating that I own {$440.00} on an account that is not mines. I replied to them and stated that the account was n't mines and if they can validate the information by providing a copy of the original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if they do not take this off my credit report no later than XXXX XXXX, 2017.
Experian and XXXX are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32ps. I emailed Credit Karma right away when I first saw my credit score had dropped. Credit Karma and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX, and I visited XXXX still no one could tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at did not apply to me. One factor was incorrect they said I have only had credit for 2 yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
TransUnion failed to provide documents as requested to verify the accounts being reported. They did not send me any documentation bearing my signature or documentation on how they verified the accounts, or who they verified the accounts with and again DID NOT PROVIDE ME WITH ANY DOCUMENTS confirming the validity of the accounts.