WillisBack/dataset-financial-user-claim huggingface dataset:
navient is unwilling to help reduce loan payments to what is affordable for us. they are rude and just do n't care when you call them. when loan was still with XXXX XXXX the helped us with an interest reduction program so that the monthly payments were more affordable, but now that they are navient they WO N'T HELP IN ANYWAY! they told my daughter that because she owns a savings account she does n't qualify for help. my husband and i pay for these loans and have both retired and are on the " fixed income '' we CAN NOT AFFORD {$700.00} PER MONTH, IT WAS HARD ENOUGH AT {$550.00} PER MONTH. BUT THEY CAN NOT EVEN BE REASONED WITH.
XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX/XXXX/2015 Dear FTC : I wish to complaint about Equifax Credit Services, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 
Equifax refuse and ignore to investigate and correct fraudulent info on my credit file. 

I am filing my complaint because in the pass several years Equifax ignore and refuse to investigate and make the necessary correction on my file. This fraudulent business practice make me loose a lot of money and lost a lot of business opportunity 's. 
I did request several time over the phone and buy regular mail to Equifax correct the fraudulent credit report, lately on XXXX XXXX, 2015 send a certified mail with return recite but is bin nothing happened from Equifax. 
Please attachment. 

I do believe that Equifax business practice is unfair because I given numerous time opportunity 's to correct and I believe that Equifax haze an obligation to me. 

I also requested numerous time to send me my annual free credit, but Equifax ignore this request also! 

I believe that the FTC haze the power to make Equifax to correct and send my corrected report to me on the next short period of time. 

I look forward to hearing from you as soon as possible to resolve this problem. 



XXXX XXXX XXXXXXXXXXXX
Upon reviewing my report. XXXX XXXX XXXX falsely stated the term and payment for the mortgage to the Experian credit bureau. the mortgage servicer falsely state the term of 46years incorrect it is 40 year mortgage. It was reported that as of XXXX 2014 the loan was current that is a false statement. the loan was in default past due by 180 days. I have maild and fax doc proof. For this reason the items are to be remove from my file.
I became aware of a credit inquiry on my  XXXX  credit record dated  XXXX   XXXX ,   XXXX   which I did not authorize. I have a fraud alert on my credit records due to previous id theft and fraud loans at Wachovia  aka Wells Fargo.  The unauthorized inquiry was  : Wells Fargo Phone Ban k ( a credit card division )   XXXX     XXXX   XXXX   XXXX , OR  XXXX   XXXX  I called the  XXXX  # associated and was transferred to  XXXX   XXXX   XXXX   ( Executive  Branch ) in  XXXX , Va. She inquired into my identity and asked if I had recently applied for a credit card. I said no. She then created fraud report  XXXX  and provided me with her phone number  XXXX ,  XXXX , &  XXXX . I have called all and gotten absolutely nowhere with regard to getting this inquiry to my credit investigated. I have been told it was an inside team member who was pre-authorizing me for a credit ca rd ( wit hout my authorization? or knowledge ? ). Forbid den, unacceptable, FRAUD! FRAUD! FRAUD! I should be monetarily compensated for damages associated with ongoing stress over the past 7 years associated  with Wells Fargos ' il legal business practices and issuance of fraudulent loan products and obviously now credit cards. They refuse to provide me copy of the credit application or any other definitive information about their unauthorized inquiry. I want to sue.
State of Arizona sold a house through Navy Federal Credit Union and Veterans Administration ( NFCU/VA ) in XX/XX/XXXX. State of Arizona failed to disclose XXXX in the running water until 2 days after closing. VA " guarantee '' was paid {$7400.00} of my money by NFCU for mortgage insurance " funding fee. '' Witch should have been waived because of my XXXX. Law suit was filed in the Superior Court of Arizona on XX/XX/XXXX case number XXXX XXXX & XXXX. They broke the LAW, and then run to alter their policy to try to cover for their lawlessness. NFCU whom I made this deal with, refuses to work towards a resolution, projecting their responsibility over to the State of Arizona and VA. VA is no help. NONE. The {$7400.00} given over to them was for their own enrichment, and to disadvantage me. NOW, NFCU & State of Arizona are lying again regarding an unlawful " auction '' which they say took place on XX/XX/XXXX, using " Commercial Lease '' property law, to bypass foreclosure law, and attempt to enforce a 5 day eviction notice. THE LAW IS NOT DEAD! ARE THE AMERICAN PEOPLE? If " We The People '' DO NOT STAND AGAINST SUCH TYRANNY, WE SHALL BE OVERCOME!!!
On XXXX/XXXX/16 Equifax reported XXXX accounts from XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so Equifax DELETED the accounts On XXXX/XXXX/2016 Equifax repoted the same accounts under a different debt buyer. XXXX. I was not notified of the accounts. This is re-aging an account. Equifax an XXXX have not validated the account according to the FCRA
On XX/XX/2018, I added my PayPal business debit card to my XXXX   account. The card was incorrectly classified as a credit card and was subject to a 3 % fee for payments. 

The response from PayPal was, " I'm not sure why the Business Debit MasterCard is labeled as a credit card on XXXX. This card does not have any kind of credit line associated with it. '' However, the response from XXXX  by XXXX XXXX was unreasonable, " Based on the first 6 numbers of the card, Mastercard is classifying it as a credit card. We can not change this as we are not doing this. ''
I have an eviction from   XXXX   coming up on my record. I am not able to rent an apartment. This eviction was dismissed and was ordered to be sealed by the judge on   XXXX   XXXX   XXXX   I need it off my record.
On several occasions since XXXX 2017, I have worked on my credit profile to obtain a mortgage, Ive contacted Transunion and sent numerous documents in supporting wrong, incorrect, and receipts showing their reported balances are wrong, as well as dates reporting, I have contacted their customer service department and been transferred to the special handling department once they put fraud alerts on my file without my consent or asking, and then I contacted, by phone, mail, and email the executive consumer department of Transunion to get matters cleared up, sending countless faxes, email documents concerning a wrongly reported bankruptcy ( old aged ), a requested by creditor deletion, XXXX XXXX, ( old aged ) and as well as Ive paid 5+ credit cards to XXXX and they refuse to correct or report, they sent me a letter stating if I did not stop asking for corrections by the means I used they would delete my credit file from database, basically threatening me, to stop trying to correct their mistakes. I am at the point Ill take this letter to the courts and ask to file a case against Transunion for any applicable reasons herein as theyve intentionally mis reported, neglected request from creditors, refuse to remove old aged derogatory accounts as following the FCRA and are in direct violation of XXXX laws protecting consumers.
I currently have 4 student loans with HESAA. This is a State agency that gives out Private loans to students with co-signers for college. I currently have 4 loans that I co-signed with HESAA ( or NJ Class ). I have tried to dispute the accuracy of the loans and written to NJ Class in regard to this. They neither responded to my letters or marked my file " in Dispute ''. They basically continue to ignore me. The account numbers are : XXXX, XXXX, XXXX, XXXX. My son has tried to go to the NJ Class offices and ask for help in reducing the debt or refinancing them. He was harrassed and told he better pay or else. This is what led me to asking for a dispute and for the negative marks to stop on the account. My first letter was sent on XX/XX/XXXX and recieved by NJ Class on XX/XX/XXXX. This letter requested validation of the contract with signatures as competent evidence showing the contractual payments between HESSA and my son and me as the co-Signer. This letter also put them on formal notice that I was disputing what they were claiming. When I received no response, I sent a second letter ( one for each account ) which was sent on XX/XX/2016 and received on XX/XX/2016. Again, I again outlined what they were claiming and indicated they were put on notice of a formal dispute and did not mark the credit bureau as disputed and they added more negative remarks. The NJ Class/HESAA does not believe they follow the same rules as all other creditors and they simply ignore the law. If I can not get satisfaction from filing this claim, I will need to bring them to Small Claims court, but I do n't know if that helps. I need you to review what this organization is doing and help these students who are being harassed and lives ruined by this organization. They are breaking the law under the Fair Debt Collection Practices and I hope you can help me in resolving this. I have been paying this loan now scrambling to get money to pay them equaling on a monthly basis as they are ruining my life and the life of my child without any regard. When you call them, all they say is " you better pay ''. I 've even written the governor who has done nothing but given my letter to the attorney general who writes me letters telling me she found some mistakes in my file, corrected them and then says you must start paying. No option, no help, no evidence. Completely ignores anything I have written in my letter. All four accounts have each had the same letters sent and all four accounts have been ignored. You are my last opportunity to resolve this. I want the validation of the contract in regard to these loans with signatures and I want my life back by cleaning up the history of missed payments since they have broken the loan and have ignored my requests.
This company is misrepresenting the time this debt first defaulted and became collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin. 

In a separate complaint this company agreed to remove this account from my credit report. It was simply removed from my XXXX credit report, but added to XXXX. I am now submitting a second complaint to ask for it to be removed from XXXX.
I am a XXXX, XXXX  XXXX XXXX with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my Army and Air Force Exchange Service credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from XXXX  in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the Army and Air Force Exchange Service and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called XXXX XXXX XXXX. ( XXXX ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was XXXX. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to XXXX via certified XXXX mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX  ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to XXXX  ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX  in XXXX ) can apparently be collected as a federal debt would, through garnishment.
I paid my XXXX bill and I was never 30 days late I called XXXX and they put in a dispute but I never heard back from them until a few day ago they took off the late fee. Because they could see I made the payment enclosed is a copy of the payment I made from my bank. This needs to be changed to current never late.
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.
Rubin & Rothman XXXX XXXX XXXX XXXX, XXXX, NY XXXX  Phone : ( XXXX ) XXXX they levy my personal account for over {$9400.00} and they did n't send me mail or call me to about the debt i have left them morethan 20 messages and they never called me back or pickup my calles to review the issue.
unauthorized credit inquiries from XXXX XXXX. they refuse to remove or investigate inquiry disputes.
I pay several hundred dollars a month for the Card Security benefit from Synchrony Bank. I lost my full-time job, and filed a claim for benefits. The terms say they pay your first 3 minimum payments every month and then cancel out your full balance. I have sent Synchrony Bank all of the information requested, and even applied for unemployment ( despite being knowingly ineligible due to school status and unemployment they insisted I file a claim anyway.It has been 130 days ( or 4 months, 7 days excluding the end date ) since my benefit initiation date and I am still unemployed. Despite numerous requests for my benefit to be processed I remain asking them to make a payment and cancel out any of my balance. I paid very high premiums every month on my retail balance and now they are disregarding my claim and refusing to settle it.
Have never heard of Coast Professionals until my wages were garnished. Never received notice from them. Been going on for 4+ months. Sent them letter asking for verification of this debt, received nothing with my signature, never marked disputed on my credit reports, breaking federal law. And my credit reports showing total of {$12000.00} in debt, this company is garnishing me for more than {$17000.00}. Garnishment led to me being late on rent payment for XX/XX/XXXX, and now I am a homeless single father with a XXXX year old daughter.
On XX/XX/XXXX, I applied for a car loan online. Through the company I was applying for, they ask for a credit report from Transunion for {$1.00}. I put my credit card information to pay for the credit report. I was then directed to the Transunion website to create a username and password to put in my information to get the credit report. I completed the tasks and the credit report was sent to the company I applied to. On XX/XX/XXXX, Transunion took out {$19.00} out of my checking account. When they took out {$19.00}, my account went into the negative which {$27.00} was also charged to my account for overdraft fees. On XX/XX/XXXX, I called Transunion to speak with them on why they deducted the {$19.00}. I was told that when I paid for the {$1.00} report and was directed to create a username and password they automatically put me in a free trial. I told the lady that I spoke to that I did not agree to a free trial. I asked her to cancel what they had me signed up for and I asked to be refunded my money. I was told that Transunion does not do refunds. I then asked to speak to her Supervisor she said there were no supervisors there.
A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX, XXXX, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, on XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.
XXXX is arbitrarily declining my checks at XXXX XXXX XXXX. This is the XXXX occurrence since XXXX XX/XX/XXXX They declined a check submitted on XXXX/XXXX/XX/XX/XXXX and ironically sent a letter demanding I send them a check for {$170.00} the XXXX of XXXX. We were on vacation and actually received it on XXXX. After calling them to clarify, I was threatened with XXXX denying all my checks to all of their customers until I submit another check. The same problem was experienced in XXXX and after XXXX hours with a supervisor I was advised their problem had been corrected and I would have no further problems with them as they had no negative transaction with our check cashing or funds. I spoke with Svc. Rep. XXXX and Supv. XXXX today, both were rude and insistent upon me clearing up the problem. They admitted the problem was either with the machine or the clerk 's input of the check but declared they had no responsibility for that. At no time have I had insufficient funds and my bank would not decline a {$170.00} check if I did. Manager, XXXX, at XXXX XXXX advises us that the check has been paid. I do not like threats, especially unwarranted ones and I do not like my credit and reputation besmirched by a business that has no concern for consumers. XXXX was fined millions of dollars in XXXX XX/XX/XXXX for unfair consumer business practices. This has the smell of a scam.
SECOND COMPLAINT Ditech has me multiple notices requesting proof of hazard insurance on my condo. I mailed them a copy of the policy more than a month ago, then received a second request weeks later. When I contacted Ditech by phone, they stated that they had n't received the copy that I mailed. When I asked if I could send a PDF of the policy via email to ensure receipt, their representative stated that they do n't have email. I sent the policy a second time via fax, for which I received a confirmation. 

Yesterday, I received a second and final notice that they had either not received a copy of my policy or that the policy had expired. 

I 've carried mortgages for multiple properties, single and multifamily, and never had to provide proof of hazard insurance more than once to any lender or servicer. Putting this burden on the customer every year and forcing a hazard policy if the customer fails to provide proof seems underhanded and fishy. Ditech surely receives some margin or commission on the sale of these forced policies. 

I believe Ditech is making this requirement intentionally difficult and profiting from their customers ' fatigue -- with the process, the refusal to accept email, and the torrent of " important '' promotional mail we receive from Ditech which we have to open every time lest Ditech charge us for a redundant insurance policy. It might be legal, but it 's slimy and it 's bad for consumers.
CITIBANK is reporting deformatory information on me, I dont have a copy of this information and it is my right to see it, i recently went to open a checking account and the banker told me citibank is in the system saying i owe them XXXX,,,,,,, well in fact I never received a ''BILL '' from citibank, you see a ''bill '' would define something that you owe, and a ''statement '' does not show what you owe, just a ledger record, also citibank is keeping secret accounting records and will not show them to me, also citibank sold a check that was allegedly bad and claim i owe them for it, THEN WHY THE XXXX DID THEY SELL IT TO A FINANCIAL INSTITUTION IN XXXX OF WHICH I TACKED DOWN THE 15 DIGET NUMBER, they refuse to give back the original instrument with my wet ink signature because they sold it, so therefore what justifies any debt, they are liers and fraudsters and i will be following up with tangible facts of thier crimes, CITIBANK AND ALL BANKS ARE XXXX CRIMINALS, YES THEY ARE, THEY THINK NOBODY KNOWS THIER TRIX,
XX/XX/XXXX I got behind in my mortgage payments. My mortgage is a Texas Fixed Rare Mortgage. XXXX XXXX XXXX transferred it to Nationstar and I returned it to status. I did not sign a Modification at any time increasing my interest rate at any time, XXXX it was increased to 5 %, which put a burden on me and my granddaughter, we are on food stamps and Tanf. It is illegal to do this without written authorization.