WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get XXXX and Experian to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to
In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXXXXXX XXXX business. 

That bankruptcy never included the 1st & 2nd mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX XXXX, XXXX XXXXXXXX, & XXXX XXXX. 

In XX/XX/2018, Bank of America ( holder of the 1st mortgage ) notified us that they sold that mortgage to XXXX XXXX. We were paid up and current with BofA, and going forward from XX/XX/2018 our payment were to be made to XXXX XXXX. 

We did all that. Now BofA is insisting on a duplicate payment back to them that we were never notified about and BofA has attached themselves to our bankruptcy after-the-fact, and after the terms of our bankrupcy had already been negotiated and signed on.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.
WFHM is continually Complaint after Complaint refusing to provide a solution to problems they have created. They are trying to deny the problem which will not go away. This leaves me no choice since they have not operated in good Faith but to take this situation to the media. We will let every national, local and world media outlet let the public know that WFHM is continuing business as usual when it comes to their customers. That WFHM upper management XXXX XXXX and XXXX XXXX XXXX specifically, refuse to step up to the plate. XXXX XXXX and XXXX XXXX XXXX are continuing the practices of their predecessor, continues to put inexperienced uninformed employees on the front lineI instead of standing forward and doing the job for which they are handsomely overpaid for. We will also see to it that every consent judgement brought forward by WFHM be thoroughly investigated as to adhereance and payment to victims.
My previous loan was sold to GMAC who had approved a loan modification before the loan was sold to Ocwen in which I had to start the loan modification process over and it took three years for Ocwen to finally approve a loan modfication however the loan modifcation that was approved was a payment that was higher than my original loan payment, while I was in the process of appealing the loan modfication my home was sold in a trustee sale on XXXX XXXX, 2014. 
I had provided everything Ocwen requested and they would continually deny me and I would have to reapply all the while they kept postponing the trustee sale until the company finally sold the home. I believe they did not want to provide a loan modification because they felt they could get more for my home if they sold it in a trustee sale. The outline of events will clearly prove this. 

For the past six months, my complaint has been with an Ocwen escalation employee who has refused to answer my emails or phone calls in providing me with a status update on what is a simple case as the home was illegally sold in a trustee sale.
Kia Motor Finance took two payments this month from my bank account. I called customer service because of the error by Kia. At first they were fine in reversing the payment ; however they said they would mail me a check in 10 days. I asked if their was some way to expedite it and if they could include the cost for the NSF fee my bank may charge. The initial person basically ignored my request and just restated i would get a check in 10 days. So i asked to speak to a supervisor. This is where the problem began. The supervisor. I believe her name was XXXX said she would not do anything because they were not responsible for bank fees and seemed to insinuate she would not refund the payment to me. She then tried to blame me saying the reason it came out twice was because I made a payment then set up auto pay which came out on the XXXX. However their own website said my auto pay was set to begin on XXXX/XXXX/XXXX. When I asked her why she just continued to blame me. Not only do I know I did not set up auto pay to start on XXXX Kia Fiances own website confirmed it was not set up that way. Not only did she threaten to not refund the payment but when I asked her for her full name she refused. I asked for the name of the previous person and her answer was imply " no '', and when I asked to speak to her supervisor her answer was again " no ''. Then I asked to be transferred to the complaint department and she transferred me to a totally unrelated department that when they answered told me they were the wrong department. This is a major Reg E violation. Not only did they not help but the manipulated the facts to shift responsibility the customer service supervisor should be reprimanded.
This complaint is filled due to the fact of this being an ongoing issue and Experian has violated several laws in dealing with this matter.

I filed a dispute with Experian for the collection placed on my report by XXXX XXXX. it was investigated, found to be cause for deletion, was deleted and a few months later was placed back on Experian without providing me with the 5 day notice of reinstatement, as is per Law requires.

And stated by U.S. Law 73 Am Jur 2nd, sections 90 & 93 States that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect and then claim successor in rights and interest. Thus when an original creditor sells a debt they give up the rights to collect on that debt, but they do not give those same original rights of or to collect ( ion ) to the collection agency.

And are clear that a 3rd party can not be substituted onto any agreement without the request from the consumer to act on their behalf.

send a copy of the signed authorization by you allowing them to collect information and make any communication about you to the credit reporting agencies.

I have never authorized this company to collect or share any information about me. I have no contract with this company and have never requested any money nor services from them. They have no legal right to be on my credit report. 
***Delete this now or provide the proof.

Siting case XXXX v. XXXX.

FCRA Section 603 says : ( o ) EXCLUDED COMMUNICATIONS. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account
filed chapter XX/XX/2014 credit first /firestone part of chapterXXXX creditor served still falsely showing open and 109 percent over limit. contacting Equifax twice to dispute it and Equifax failed to answer dispute or correct the errors doing damage to mine and my wife 's credit report which they added to my wife 's report almost a year later after the XX/XX/2014 chapter XXXX filing it seems obviously XXXX is intent on deliberately damaging our credit reports and Equifax is not working to resolve the matter I ask that they be made to remove this entry from both our credit reports if they can not be trusted to do the right thing
I know that my rights are being violated. I 've been disputing accounts that I know are either inaccurate or do not belong on my credit report and not only am I receiving statements that these have been " verified '', but my proof of said inaccuracies are being ignored. 

I 'm perplexed as to why I 've received statements that there will no longer be any investigation into accounts that I know do NOT belong to me. Per XXXX, the CRA 's can not just state that the creditor said that the name, date of birth, address and social security number match mine. That is not legal verification and the only form of which would be firsthand knowledge - having the docs in their possession. If they had that information, they would have sent it over to me inconsideration of the fact that I 've been disputing these since XXXX 2016. I either need to see the documentation or they need to be removed, as the XXXX XXXX XXXX accounts do not belong to me. The only items that allowed to be on my report are those in which there was an agreement to pay or owe the debt. I did not owe to pay or owe these debts and they need to come off immediately.
Nations Star Mortgage forced placed additional flood insurance above mortgage balance. 
Mortgage balance is approximately {$53000.00}, home incurance coverage A {$100000.00}, flood policy {$56000.00}. Mortgage company demanding flood insurance greater than mortgage balance, forcedplaced and charged my account.
In XX/XX/2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.
XXXX    XXXX    XXXX   XXXX   XXXX  opened date is  XXXX  this item I 'm not aware of was just given  to King Credit Services ad ded  XXXX  then given to   XXXX   and sent to  XXXX   XXXX
On XX/XX/2012 there is a claim for {$120.00} for XXXX XXXX XXXX from First Fed Credit that I have no knowledge about. I have no recollection of receiving services from such an entity. 

On XX/XX/2012, another claim for {$81.00} is entered on my credit report for the same companies. Again no knowledge is represented about any of these companies. 

On XX/XX/2012, another entry from the same entities. No knowledge represented for either company. Don't know who they are.
We are reaching out again hoping you can step in and help us save our home. My husband and I fell behind on our mortgage payments when my husband became very ill. As I stated in my first letter, he was struggling with XXXX and started also suffering from XXXX XXXX due to XXXX XXXXXXXX. His health continued to deteriorate and he was no longer able to work. 

I've been fighting an uphill battle to work with my bank to get back on track. I fill out, collect and send in paperwork over and over because it somehow gets lost. I would receive letters in the mail, but every single time I tried to reach someone on the phone, Id be on hold forever and never reach anyone. I'd be directed to the website for forms, but the link would be broken ( and still is ). 

My heart broke again today when I called and was told we weren't approved because I didn't make enough money. One representative told me I could appeal if i could show we have additional money coming in. I tried to find a form for this, called back and the next person spoke to, XXXX, told me there was no such thing as an appeal and they were taking my house in less than 30 days.
After checking my current credit report, on XXXX XXXX, XXXX I contacted Experian again in hopes to resolve an ongoing mistake on my credit report. I spoke to a lady name XXXX, when I contacted them.There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX XXXX : XXXX/XXXX/XXXX
ok i have  2 p ages of payday installment loans taken out in my name and never took out law suit in my name oney stollen my ssn  XXXX  help me they are trying to kill me
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX CAPITALONE XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CAPITALONE XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Back 2013 it was said that l had a payday loan which is incorrect. Tried to contact company and was told to get police report.. Did n't work because l need some type of paperwork.only thing they 'll give me is what loan amount was..that 's it no other proof..have n't received any call backs from company.
Collection Accounts identified as ( XXXX XXXX ) on my Experian Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Experian to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Experian needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.
Someone from a XXXX called at a time I was busy. Mistakenly I gave my SSN. Realizing my error I issued a credit freeze in all XXXX companies. This happened months ago. This week I received a letter from Experian stating there were changes made to credit report. I went to XXXX and my SSN variation has a wrong number. My date of birth is also wrong, and a telephone number attributed to me was also wrong. I am afraid that in spite of having my credit frozen someone is stealing my identity. Thank you -- please help
Applied home loan there was incorrect item on my credit report loan officer preapproved loan stating this error not an issue as we had proof of error. Made offer on home XXXX XXXX asked officer on phone and email if loan was good to go she said yes several times. Gave landlord notice. Come mid XXXX XXXX weeks before close. Officer states that error is an issue get a lawyer. I scrambled to get it fixed on my report. They ask seller for extension but said she might not wait till report is fixed. I wrote email saying why did n't you as an expert forsee this would be an issue. Could have been fixed in XXXX why did you say it 's all good go home shopping.? I paid appraisal but asked to put it on hold they said too bad too late.. The credit report was fixed XXXX XXXX with a close now XXXX XXXX. They claimed even though we were good to close needed time to fund they asked seller to extend possibly few days to 1 week. Seller refused cancelled contract. I was totally misled misinformed due to loan officer negligence lack of knowledge she even told me back in XXXX she ran my report past a underwriter but later admitted it was just score and income approved. As someone who does this for a living she should have stated this needs to be fixed before we proceed. Not it 's all good it 's not an issue. Go home shopping your preapproved. She then sent me unprofessional email saying I hurt her feelings after stating I was misled costing me stress loss of my home and XXXX dollars on appraisal. And I should n't point a finger at her. I want my XXXX refunded. ASAP.
I was working in XX/XX/XXXX and taking online XXXX XXXX. I lost my job due to an assault in XX/XX/XXXX, I was unemployed and asked XXXX XXXX for a unemployment deferment. It was repaid in full once I received my XXXX and money from an inheritance. It is still on my credit report 5 years later. 

I was receiving the bills for this person 's loan and was harassed on the phone by Navient for payment. 


XXXX XXXX & Submitting Documents XXXX XXXX. XXXX  XXXX XXXX, PA XXXX Or Fax Documents U.S. : XXXX or International : XXXX Please include a cover sheet with your name and account number on all faxed documents. 

XXXXXXXXXXXX ________________________________________ Thank you for contacting the XXXX XXXX XXXX XXXX We created case # XXXX to track your inquiry. Below is information relating to the case. A customer service representative will provide assistance within 2 business days. 
For general information please review our Frequently Asked Questions. 

Customer By CSS XXXX ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) XXXX Attached Message From [ link removed ] To [ link removed ] Subject Re : Your Federal Direct Loan Disclosure Statement Date Sun, XX/XX/XXXX XXXX XXXX Please contact this person at his home address. 


I am not responsible for this bills Your Direct Loan disclosure statement is available on our secure [ link removed XXXX Web site. You will need your FSA ID to log in. If you do not have an FSA ID, you may obtain one on the [ link removed XXXX Web site. 

To view your disclosure statement, log in to XXXX link removed ] and print or save a copy for your records. 

Your disclosure statement provides information about your student loan. It is important to keep all correspondence in a safe location for future reference. Your disclosure statement will be available for you to retrieve for a limited time. Therefore, we encourage you to take the time now to retrieve your copy. 

Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed ( paid out ), or no longer wish to receive the loan, contact your school 's financial aid office. 

After the first disbursement of your loan has been made, your loan will be assigned to a loan servicer. Your loan servicer will contact you and provide their name and contact information. Your servicer will service, answer questions about and process payments on your loan. 

To view the list of servicers and their contact information, select the " Additional Information '' link on the " Contact Us '' page of StudentLoans.gov. 

Sincerely, U.S. Department of Education Federal Student Aid William D. Ford Federal Direct Loan Program Do not reply directly to this email. 
If you wish to contact us, email [ link removed XXXX. 

Connect with us : Subject : StudentLoans - General Questions Case Type : XXXX General Inquiry Date Created : XX/XX/XXXX XXXX XXXX Last Updated : XX/XX/XXXX XXXX XXXX Status : Open omplaint. 
ID FOR COMPLAINT SENT TO NAVIENT XXXX