WillisBack/dataset-financial-user-claim huggingface dataset:
my loan through Navient was cancelled I even have the tax paper to prove it and now they say they denied it. How can they do that. I am on XXXX and can not repay. I think they are harming me by putting this on my credit report and I do n't believe I owe any longer since they let me cancel it. This company is bogus. I would not recommend them to anyone. What can I do.
I faxed a letter to Equifax asking for this creditor " XXXX '' to be validated and removed off my credit report which I faxed on XX/XX/2017. I then called the next ( XX/XX/2017 ) business day to make sure it was recv 'd via fax and I spoke with off shore representatvie who told this was removed ( I asked her more than twice she said hold on researched and said " ma'am this is no longer on your credit report '' ) from my report so I assumed it was from my dispute I sent. I then asked her again she yes it is not on the report so my call ended at that point I assumed it quick due to being faxed. I then called back because I did n't feel confident about what she told me and got another off shore rep who told me it was not then I got aggravated so I asked for a supervisor. Next I explained to the supervisor what information I was given she then apologized but I told her that is not fair to me due to asking her more than once is that was correct. Then the supervisor wrote this up and I advised her that this creditor I sent them a letter and enclosed a copy of drivers license & social security card ( which I sent in error it should have just been the letter ) in error and XXXX on my part. I am upset about being given the wrong information.
I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low.
XXXX XXXX SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.
transunionXXXX XXXXstatus showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XXXX
XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX , XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}
I wrote to Experian in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Experian and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX of Pennsylvania Bankruptcy Court supporting my position. I asked Experian to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it. They sent me the attached letter stating that they would not investigate my dispute any more unless I sent them proper documentation. I sent them the proper documentation from the BANKRUPTCY COURT!!!!!! That is all the documentation that I need!!!!!! Experian has inaccurate and incorrect information on my credit report that I want REMOVED IMMEDIATELY under the FCRA is information can not be verified or is inaccurate, it MUST be deleted from said credit report.
I have XXXX on my Citibank XXXX Credit Card from the beginning. I have made my payments on time before having a XXXX in XXXX XXXX. This has affected me physically and medically where I need to use the insurance of XXXX for payments towards my Citibank XXXX Credit Card. The response Citibank XXXX XXXX department response was not truthful as to the facts. They were called by my daughter as soon as possible which was in XXXX XXXX to have a XXXX Claim form mailed to me.They have been called more than once to mail a XXXX XXXX form. They recently mailed a XXXX XXXX form this year, but NEVER the XXXX XXXX Form. I was in and out the hospital several times after that and did not received the XXXX XXXX form. 
On XXXX XXXX, XXXX I received a letter dated XXXX XXXX, XXXX that my XXXX credit card will be closed, and I recently received another letter stating that only XXXX payment was made from the XXXX claim form submitted recently. On the XXXX claim form states that I am iXXXX for 24 months. It appears that XXXX is avoiding to pay for the time of me being XXXX XXXX  which included closing my XXXX Credit Card.
I am a 3rd generation military war veteran whose family has served in every war of the 20th Century.
Letter from my mortgage bank ( U.S. Bank Home Mortgage Loan # XXXX ) X/XX/2017 stating that since my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has not responded to their request for proof of H06 Hazard Insurance Policy on my property. I tried to contact my condo association buy they never responded.
I am current on my monthly condo commando payment for10 years, so I should be respected more.
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The bank has not been sympathetic to my appeal of the decision because they are not wealthy enough. Pay up or else you get more expensive insurance added on to my monthly payment that is already comprised of Premium, Interest, and Flood Insurance.
IF I do n't pay, then I lose the property.
So, I ca n't get another loan on the property because I am an underemployed military veteran.
So, I guess I have to sell and move out to a more expensive property? Or, pay up?
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I have contacted FEMA and every government agency and representative and they are ignoring me.
Will you ignore me too?
I received a XXXX at the for-profit school " XXXX '' in XX/XX/2000-XXXX around $ XXXX. Over the last XXXX years I have paid $ XXXX dollars per month in totaling some $ XXXX. Over the years I have had a hard time paying in spots and they have always denied me the possibility of deferring and suggested I would not only go into default but that my mother 's credit would also be destroyed. It is my contention that due to the insane interest Ive paid ( over twice what the loan was for ) and the lack of options I have been given, I should be able to be able to have some satisfaction after being abused and harassed as a borrower. Additionally I am two months behind currently and they are calling my cell phone at all hours of the day morning, afternoon evening and when I sleep. I am tired of this and want to know when my rights will be cared for as a consumer who was not told my education loan would cost 3 times what I got.
I have contacted Experian on multiple occasions to remove incorrect information from my credit report. They have refused to update. I expect them to remove inaccurate information.
I found a cashiers check dated back to XX/XX/XXXX that I had misplaced in the amount of {$5000.00}. issued by XXXX XXXX XXXX located in XXXX Ca. 
I deposited it in to my personal checking account at XXXX XXXX on XX/XX/XXXX. I was notified by XXXX  XXXX that XXXX XXXX XXXX refused to pay. I contacted XXXX XXXX XXXX to reissue me a new cashiers check which they refused to do. They referred me to California State Controller Dept. of unclaimed property. California State Controller Dept. referred me to you Consumer Financial Protection Bureau. 
I am including all records and contacts regarding my cashiers check. 

After researching for XXXX XXXX XXXX we have found this bank is now called California Bank & Trust XXXX
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on Experian. This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may resu lt in a lawsuit.
XXXX XXXX XXXX  is trying to collect a debt from two accounts that I don't know about and have taken negative action against me by damaging my credit and credit score. I have no documents, agreement, or contract with XXXX XXXX XXXX  that's damaging my credit, hurting my credit score, and preventing me from obtaining employment.
Hello I have call Equifax and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the Equifax and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX
I have a college account with chase and ever since I have had the account my experience has been horrible! My account has been stolen more then twice! even In a whole different state ( XXXX ). I went to XXXX for a few months over the XXXX and only used my travel account, When I came back I found out my account was hacked yet again. Someone has completely stolen my identity and chase is letting it happen! logging into my online banking and even more! I 'm extremely upset with chase. They have credited the money back to my account and waited a few weeks to tell me that they now have to take it back! what kind of mess is this?
I have 2 Citicards XXXX ( Business ) and XXXX ( Advantage ). In XXXX, Advantage sent a mandatory replacement card. I did not authorize this card. However, Citi began using the new account. When I receive my mailed statements, I access the XXXX version on line. I do this so that I can designate which expense is paid by my business, home or other user. In XXXX, I discovered 4 statements (??? ) on line but the XXXX versions were not available. A recent payment was not on any of the accounts. Citi had to do a forensic search to find the payment. Since then, I have been unable to reconcile the accounts and therefore, unable to pay my bill in full. After many, many hours ( probably 30+ ) of conversation with Citi Customer Service , I contacted the office of XXXX XXXX , CEO. XXXX XXXX has responded. I have sent all thXXXX XXXX spreadsheets that do not reconcile with the PDF ( printed ) statements. The issue is not yet resolved. However, last week XXXX XXXX was on vacation & suggested that I contact Customer Service. That 's when I decided to file a complaint. XXXX XXXX also suggested that if the account was not paid in full, Service & Interest charges could not be reversed (!! ). I can not pay the bill in full until I can reconcile the statements. Another suggestion : My credit would be affected (!! ) PS Your form only allows the id for one card. I have two cards in disarray.
A company XXXX oil company pulled my credit without my permission. I do not know who it is.
Hello this company has for the past 7 years put something on my credit that i tried so hard to show them that is not mine and have encountered nothing from them but lies and and manipulation of the system the 7 years have passed and it was removed off my credit but today i received a notification that they placed it back on my credit file with XXXX in direct violation of the fair credit act
On approximately XX/XX/2018, I received a billing statement from XXXX XXXX at my Mother 's address. I have not resided at that address for over 3 years, in fact- I live in a different city entirely. Apparently, the person who applied for this credit card did so in XXXX XXXX I do not live nor have I ever visited XXXX XXXX XXXX They also used {$490.00} of the {$500.00} limit. I did call XXXX XXXX and filled out a document that they sent to me- I made a copy of same and also have the XXXX XXXX statement at home. They also indicated to me that the number that they had on file, associated with this account, was not even my phone number! Yet, when I tried to dispute the card on Experian, they had the audacity to say that " the information is accurate. This item was not changed as a result of our processing of your dispute. '' Absolute nonsense- additionally, I have set up a fraud alert should anyone try to open any new accounts under my name.
I found unauthorized charges on my XXXX XXXX $ XXXX *XXXX XXXX XXXX XXXX, CA XXXX XXXX Date XX/XX/2015Transaction Date XX/XX/2015Merchant Category XXXX-ALL OTHER XXXX Method MANUALLY KEYEDRecurring Billing Indicator XXXX tried to call the number on the credit card bill but was unsure if it was really a credit company as it could just be fraud.. they started to ask for more personal information and I refused to give them my ss # or credit card number. 
A search on the internet shows this is not an isolated incident.. lots of people are experiencing this.
Hello CFPB My name is XXXX XXXX and I am writing to complain about my private student loan that was originally with XXXX XXXX, but is now with Navient. 

I have never missed a payment since I was required to start paying off my loan, starting XXXX 2009. I graduated XXXX 2009 from XXXX XXXX. 

Since then I have paid a little over {$200.00} each month. 

The original principal balance of my loan was {$15000.00}. 

$ XXXX/month since XXXX 2009 to Present = 91 months total of never missing a payment @ $ XXXX/month = {$18000.00} I have already paid over {$18000.00} back into my loan, yet the principal balance on my loan has only decreased from {$15000.00} to roughly {$13000.00} now. 

This is ridiculous and should be considered a crime. 

I understand what interest is and how it works, but really?! My loan has only decreased {$2000.00} despite paying back the loan in full and more over the past 7 years?! 

PLEASE HELP!
On Friday XXXX XXXX of 2017, per equifax website ( https : //www.equifaxsecurity2017.comXXXX ), I was a potential victim for identity theft that occurred in 2017. Equifax had security breach by a hacker and potentially had my personal information breached.
I have sent 3 dispute letters to Equifax asking them to provide proof that these accounts belong to me and that I agreed to pay the debt. They have 30 days to respond to each letter. They have only responded to the first one stating that they have investigated and they will not re investigate these accounts. They have not sent me any valid documents proving that the accounts are accurate and belong to me. according to the 609 Credit reporting Act it is against the law to report unverified accounts to a person 's credit report. If the accounts can not be verified then the credit bureau has to remove the accounts promptly. They have failed to do so. The last dispute letter was sent XX/XX/2017. They 've had more than enough time to provide me with proof that the accounts on my credit report belong to me. All three dispute letters were signed, notarized, and sent with certified mail. The unverified accounts that remain on my credit report are as follows : XXXX
1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX- unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX/XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )
XX/XX/XXXX To Whom It May Concern, I am reaching out to you for assistance with XXXX entities that have provided less than adequate basic customer service. Both XXXX XXXX and Advantage Financial Services, LLP have lied, falsified documentation, harassed violated Fair Debt Collection Practices Act, the Fair Credit Reporting Act and failed to respond to a qualified written request. 
This began with my daughter ( XXXX years old ) needing XXXX. We were referred to XXXX XXXX for services. On XX/XX/XXXX we arrived for her appointment and filled out paperwork that included the insurance information for my ex-husband with XXXX XXXX and my insurance with XXXX, among other information provided. Copies of both insurance cards were taken as well. 
I am attaching a complaint letter as it exceeds your allowable characters here.
We initially contacted Skopos Financial in XX/XX/2018. My credit report had not been updated with my current payments since XX/XX/2018. We spoke to representative there that advised it would be updated in the first week of XX/XX/2018. The first week of XXXX came and went and nothing was reported. We contacted them again and were advised it would be updated immediately per the Credit Reporting dept that we were transferred to on the call. As of XX/XX/XXXX, it still had not been corrected, so we filed a complaint with the XXXX XXXX XXXX that did reach out to them -Case # XXXX. They finally updated the credit report in XX/XX/2018, but only up through XX/XX/2018. As of XX/XX/XXXX, they had not updated the report to show any payments were made since XX/XX/2018. We sent them an email asking for this to be updated. We did not get any response from them, nor was the credit report corrected. This has hurt my husband 's credit score greatly.
XXXX has filed inquires that were not made by me and sent to Equifax on the following dates -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to XXXX plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.
On XX/XX/2018 I sent correspondence to Equifax along with copy of all up-to-date and current personal information ( driver 's license, utility bills, employment receipt, etc ) so they can remove all old, obsolete, and out dated info not connected to tradelines off my report and up-date with current info. I also inquired/informed them about the ( 5 ) five inquiries ( 3 from XXXX XXXX XXXX ; 1 from XXXX XXXX ; and 1 from XXXX XXXX XXXX ) that were made without my authorizing such and asking did they verify, or had a contract binding me and the company with my wet-ink signature in their possession to verify/validate information which they didn't. They are aware that I have been a victim of identity theft before and chose to ignore the problem as well as following the rules ( Sect 609 ( a ) ( 1 ) ( A ) and others set forth by the Fair Credit Reporting Act.
Equifax ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Equifax 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Equifax provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
XXXX
I bought a jewelry from zales they told me I have 18 months to pay for the {$1000.00} piece they have overcharging me with late fee and didnot take the payment on time from my XXXX XXXX XXXX Bank account ; They also took money from the wrong account and in BoA account and XXXX XXXX XXXX charge {$65.00}. They also sold my account to another bank ( XXXX ) XXXX XXXX.The balance right now is {$550.00} which is wrong. It should be {$300.00}
In  XXXX   2015  I owed a debt to the   XXXX    XXXX  in the amount of {$620.00}. In  2015  they took the amount owed from my personal taxes for the full amount. Its currently still reporting on Equifax under public records, after several disputes with them. If needed I can get a printout from the workforce for proof of payment.
I reached out to Equifax to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. Fraudulent activity had taken place on my report. I place a fraud alert because of this. The following inquiries on my account do not belong to me. 

XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I also have a company reporting on my credit report but it does not belong to me. 

XXXX XXXX from XX/XX/XXXX XX/XX/XXXX
hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency trans union they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX
We have been awaiting short sale approval since  XXXX   XXXX  2017. the negotiator keeps promising the approval will be ready " in a couple of days '' but it never comes. Today I was told that the approval was not issued because they needed updated document. The documents which they requested  XXXX ,  XXXX   XXXX , an d Dodd fr ank were all updated and provided as of  XXXX   XXXX . Those documents have a 90 day self life and are not expired. This caused an unnecessary delay when the buyers are going to walk if the approval is not received by  XXXX   XXXX .
I set up auto pay for {$75.00} payments each month which covered the minimum payment due on online banking on the Capitol Ones website and the minimum payment went up and it didnt adjust the payment to cover the minimum payment due, so for three months I didnt catch it because I had went to paperless statements. During those months ( XX/XX/XXXX-XX/XX/XXXX) I couldnt not log into my account because of a security breach, is what I was told. When I contacted the company just recently the week of XX/XX/XXXXand requested they reverse the honest oversight for a customer of 15 years who has never missed a payment they simply denied my request. I then had an executive representative do a review of the situation and they still denied me.