WillisBack/dataset-financial-user-claim huggingface dataset:
I already filed two complaints with the Consumer Financial Protection Bureau XXXX and XXXX the company was supposed to write me but they never did so I did n't know that the case was closed. The harassment continued so I made a complaint to the Attorney General of the State of Illinois XXXX XXXX File No : XXXX and they ordered them to stop, but they did n't and have now had XXXX XXXX XXXX cut off my mother 's phone and she is an elderly XXXX person. In addition, they have now hacked into my medical records at two different healthcare centers and have used my doctors ' medical license numbers to write prescriptions to both XXXX and XXXX in XXXX. I have contacted both the FCC and Congressman XXXX XXXX XXXX office and no one seems to have the ability to stop these people. It is no longer a company but a family because they own dozens of such companies and just move the debt around from company to company. The owners all have multiple aliases and addresses ; this really deserves a criminal investigation but the FBI does n't seem to be interested. Here are some of the names of the individuals behind these crimes. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many more, all with multiple aliases and addresses.
Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from Navient began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of Navient 's representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from Navient after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). 

Ive filed a dispute with the credit agency ( XXXX ) already and did the same with Navient. I asked Navient to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to Navient in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. 

Navient has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through XXXX. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by Navient can have so much impact on an otherwise perfect history.
XX/XX/2016 I asked AMEX to add my Mother XXXX XXXX to my account. They have done everything but do that. They have sent all kinds of letters and email. When we write AMEX back they never do anything. They asked me to go to my bank and get them to write a letter to AMEX stating that I have an account with them ( XXXX XXXX ), I have dont all that they have asked. I want them AMEX to response to my letters and help me manage my account.
On XX/XX/XXXX I was notified by XXXX of a credit collection claim that had been filed against me by Receivable Performance Management ( RPM ) and spoke to a customer service representative. Prior to this point I had not received notice of any type from RPM, or from the company the alleged debt was owed, XXXX XXXX. As I informed the customer service representative, I am a current customer of XXXX XXXX and my account is in good standing. 


After requesting some basic contact information about me the representative informed me that the claim related to a " XXXX XXXX '' for service provided at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL. The service for which the collection was based upon ran from XX/XX/XXXX to XX/XX/XXXX. 

I informed the customer service representative that I had, in fact, resided at the aforementioned address, but that my lease ended and I relocated in XXXX XXXX, prior to the period in question. Additionally, my name is XXXX XXXX, not " XXXX XXXX. '' The representative advised me that they would mark the account as disputed and dispatch a packet to my attention with paperwork to fill out to dispute the claim. 


As of this date, XX/XX/XXXX, I have not yet received any correspondence from RPM. 

I was told by the representative of RPM that the collections claim was filed using my social security number, however, a subsequent call to XXXX XXXX 's fraud department indicated that not to be the case. XXXX XXXX confirmed that I have no claims against my account, nor have I in the past. I am a current customer of their service in good standing. XXXX XXXX further told me that this sounded like an instance of " skip tracing, '' which prior to that date I had not heard of. 

Subsequently I put a 90 day hold on my credit reports and requested a full version of my Equifax report, which revealed the details of the errant claim that was made against me. 

My credit scores dropped over 30 points due to this collection claim, but have since rebounded as it was apparently removed. As I never heard anything from RPM I am concerned as to : 1 ) how/why my credit was incorrectly penalized, and 2 ) whether this erroneous claim has been fully expunged.

I am filing this complaint to notify the CFPB of the skip tracing tactic that was applied to this account, erroneously leading to a collection effort against me, simply because I shared a common name with a person who resided at an address that I left years ago.
I am continuously contacted and also at my mothers phone in regards to some type of loan I took out on XXXX/XXXX/2011 onine and never paid. 

The collection agency High Point Asset, knew a great deal about me, down to my bank, however I never heard of this loan company XXXX XXXX XXXX, and never took out a loan. Then even knew my bank, I went back to my statements to confirm this, and I have not received in a direct deposits on a loan from this company. I explained, to them if that 's the case, why did n't they collect ... I do n't have any stop pays on my account back then, to stop them from collecting money owed ... I told them to prove to me, that i took this loan, because I did not ... they sent a letter in the mail and continue to call from XXXX.
Simply put, the credit reporting company, Experian, failed to conduct a reasonable investigation into my dispute with a data furnisher, who is illegally ( I believe  )  reporting a debt that should be reported as a balance of  XXXX . Experian instead has made my situation worse by allowing the data furnisher to falsely claim that I was a victim of identity theft ( which I never claimed ), and has put a fraud alert on my credit report. That is all Experian has done, and has since sent me a report stating that their investigation is complete, without explanation of what was investigated or even a summary of their findings. They just send a credit report that just shows that the creditor is increasing the balance owed each month, even though the creditor is claiming the debt is charged off.     To provide a background into my situation, the creditor is  XXXX   XXXX  Mortgage  XXXX  a separate complaint was submitted to this creditor ) who was servicing my purchase second mortgage on a property located in  XXXX , California. I had to walk away from this property back in  XXXX  since I had changed my employment to  XXXX   XXXX , California. Neither the primary mortgage nor   XXXX   XXXX     Mortgage offered assistance for a short-sale or deed-in-lieu, and I was told I did not qualify for HARP or HAMP since I no longer lived in the property. I could not afford to pay for the mortgages and rent in  XXXX   XXXX  at the same time. The primary mortgage holder ultimately foreclosed, and I was not aware that  XXXX   XXXX  was sending in a negative report to all  XXXX  credit agencies on a monthly basis stating that I still owed the balance of {$41000.00}, even though   XXXX   is a non-recourse state, and since the foreclosure was non-judicial, the second purchase mortgage should have been discharged. I discovered this when I applied for a FHA mortgage this  XXXX   XXXX . I disputed this with Experian in writing on  XXXX   XXXX , with proof that this second mortgage is a purchase mortgage with legal justification of why this debt amount should be  XXXX  here in  XXXX , but all Experian has done was to place a fraud alert on my credit report, which I never claimed. I have also sent Experian a letter, certified mail, requesting that they remove the fraud alert, which they have failed to do so. Experian is in violation of the Fair Credit Reporting Act by failing to do a reasonable investigation and by placing a fraud alert without proof that any fraud was occurring. It should be clear to Experian that   XXXX   XXXX   is providing false information for the purpose of extortion, considering that after my application for a FHA loan,   XXXX   XXXX     has since increased the balance owed amount to {$55000.00} for a debt   XXXX   XXXX   already charged off, and continues to increase the balance month over month.
I get an account with XXXX XXXX who still showing open. This account was satisfied on XXXX 2015 and supposed to be closed. I want this information to be updated with Equifax case # XXXX.
I bought a Digital Product with a scammer by using Paypal invoice.When i paid, the seller did not send me anything about what i bought.then I reported it to paypal and Unauthorized it, Paypal just auto canceled my open case, that's can not do again. I need my money back, I did not get anything.I have everything communication record with the seller to prove he is scammer.
Ever since XXXX XXXX, I 've been reaching out to Equifax about removing unauthorized inquiries on my credit report. I sent them at least two letters and disputed online about the unauthorized hard inquiries on my report but Equifax never removed them due to the inquiries to be " valid '' but could not provide proof of its validity. The following are the inquiries in question : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX )
Summary : Equifax credit bureau has placed an extended fraud alert on my credit file without my knowledge or consent and has not listed my current phone number for creditors to contact me to verify my information. I am currently trying to apply for credit and have been advised that Equifax has an extended alert on my credit file. I was told that until Equifax removes alert or adds a phone number, my applications have been denied.

In XX/XX/XXXX, an Equifax representative told me that I have two credit files under my social security number which is why I have difficulty ordering Equifax reports online. The rep stated one file showed I had an existing mortgage loan. I confirmed that I did not have a mortgage loan, and I was transferred to Equifax fraud department. A rep in the fraud dept stated he only could see one file.

In XX/XX/XXXXand XX/XX/XXXX, I tried again ordering Equifax report online and was asked the same 4 questions about a mortgage loan and a department store card. I answered the questions accurately and again I was denied online report. I called Equifax again and complained, and was told that I only have one credit file. No one could tell me why I was unable to get report online.

On XX/XX/XXXX I applied for two credit cards online.On XX/XX/XXXX I tried getting Equifax report from Equifax website. I was asked the same questions regarding a mortgage loan. I was denied my Equifax report. On XX/XX/XXXX, I called Equifax and explained my situation again. The rep assured me I only had one credit file and he confirmed the same information I gave in XX/XX/XXXX.

On XX/XX/XXXX I was denied credit because Equifax has an extended fraud alert on my credit file and there is no listed phone number for a creditor to contact me to verify my identity. On XX/XX/XXXX, I contacted Equifax 3 times. The first call at XXXXEST, the rep verified my identity and assured me that my credit file was open and there was no active fraud alert. I called the credit card companies back and spoke with their fraud dept. I was told again that Equifax was the only credit bureau that had the extended alert and because they have no phone number listed my application could not be processed. At XXXX   EST, I called Equifax back and asked for a supervisor, I was transferred to a automated voicemail that asked me to enter my password. At XXXX, I called Equifax back, I spoke with a supervisor that asked me questions I did not understand. I felt like she was giving me " the run around ''. I told the supervisor that this made no sense. An unauthorized alert was placed on my account which is causing me grief. I verified my phone number with every Equifax rep I have spoken with in XX/XX/XXXXand XX/XX/XXXX, yet no phone number was added to the unauthorized alert.
My wife and I applied for a car loan from our local bank and were denied because the underwriter rejected my wife 's expired XXXX card ( XXXX ) with an attached XXXX Notice of Action from XXXX. We were told she would need an unexpired green card for approval. Her green card expired on XXXX XXXX, 2016 and the XXXX language extended her green card for a period of one year while her removal of condition was pending. XXXX memoranda and the XXXX website XXXX state that an expired XXXX with an accompanying XXXX " indicates that the card is valid for an additional year ''. 
We requested the bank produce their guidelines or regulations that allows them to ignore valid government documents and provided the bank with both a XXXX memorandum and link to the memorandum indicating the XXXX extended her green card for a period of one year. 
The Bank responded to inquiry by merely stating : " Unfortunately, PNC can not contact 3rd party vendors to verify documents. '' They ignored the fact this is the same XXXX party vendor they relied on to verify my wife 's Social Security Card. Further, they flat ignored my request for the specific guideline that directed them to treat the memorandum as not applicable. 
Also, we applied and successfully closed on a house on XXXX XXXX, 2016. The mortgage lender, following housing underwriting guidelines, did accept the expired XXXX with the XXXX as valid documentation. We requested from the bank a reason for the disparity of treatment. Again, they ignored our request.
I am an  XXXX   XXXX  military member that signed up with the   XXXX   XXXX   XXXX   on   XX/XX/XXXX  because they offered me 0 % Interest and {$0.00} Annual Fee for life of the ac count as long as I am on  XXXX   XXXX  status. During the application process they required me to verify my  XXXX   XXXX  date which was    XX/XX/XXXX  by having me send in my  XXXX .
 XX/XX/XXXX  BARCLAYCARD sent   me a letter contradicting what I original I signed up for and is now going to force me to pay {$990.00} starti ng on  XX/XX/XXXX  or I Cancel the account both options do not work.      -They state in the letter after review of  XXXX   records  I was already on  XXXX   XXXX  prior to application of the account and they wont extend the benefits anymore. This is outrageous since the military department  (   XXXX   )  verified my  XXXX   XXXX  date wa s in  XX/XX/XXXX . I t was the sole driver of my eligibility.     They also state in the letter they just extended certain benefits to my account at account opening based on their policy. This was not mentioned nor the case. I was told I will have 0 % and {$0.00} Annual fee for life of the account as long as I am on  XXXX   XXXX  and to contact them when my  XXXX   XXXX  status stops so they can discuss options.     I can not afford a {$990.00} annual fee and canceling my credit card will greatly affect my life since I rely on it heavily. Canceling the account will also crea te credit   score repercussions. This is either a classic Bait and Switch Tactic or Barclaycard is leaving me to deal with their mistake on the benefits th ey offered me up. I signed up only because of what they offered  XXXX   XXXX  members for the life of the  XXXX   XXXX  status. This was not a promotional offer that I expected to change after a year.     I have called numerous times wasting hours on the phone trying to resolve this. They have not offered anything to resolve the situation and are strong arming me into Canceling the account or Paying this new {$990.00} fee both options do not work. I am a loyal customer and would like to resolve this.
I had a XXXX done because Dr thought there could be possibility of something serious ( XXXX ). Never was I informed that a XXXX was not covered by my insurance by anyone at Dr office. When my bill came ... a portion was not paid because XXXX do not cover XXXX. I spoke to my DR about filing an appeal then I got a call from a Collector who was verbally abusive, threatening & denied having anyone in authority I could speak to. His name was XXXX. I called Dr office and explained I would make $ XXXX/mo payments on XXXX each mo as I am on SS XXXX. She took payment and I asked her to call company and tell them I made payment arrangements with them. She did and the next bill reflected the payment made. I called the XXXX to make my pymt and she was not there ( this was today when I got my check ) and I left her a msg to call for pymt. After that I got my mail notifying me that they had turned me into credit bureau for lack of making pymt arrangments ( lie ) as the manager told me that because I made them with Dr and NOT THEM even though Dr office told them ... it was not good enough. I said well I will make my pymts and thru you BUT that has to be removed from my credit report as its a lie ... I had MADE PYMT arrangements and they had it on their records.
Equifax continues to report that the XXXX XXXX XXXX Account is still open with a balance of 10,000+ Dollars. However, XXXX XXXX XXXX has verified numerous times that this account was paid off nearly a year ago. Yet, Equifax continues to report it as an open account with balance. I have tried several times to get Equifax to update this record, but they will not. 

XXXX XXXX XXXX - XXXX - Balance - XXXX I have also Reached out to Equifax regarding the XXXX Account that shows a balance on my report of XXXX. This account has been paid off months ago and Equifax will not update its records.
Hello i have tried many avenues with dealing with Navient so im trying this as another way in case contacting Navient by mail and Credit Bureau by mail and online disbute doesnt work. I spoke with a Navient representative on XX/XX/XXXX explained my financial issues. He told me i was n't eligible for forbearance nor deferment but i could do something similiar which is income based and i needed to send in my info. I explained i would n't be able to send tax info til i file. I was told my loans would be made current and i had a grace period til XX/XX/XXXX before getting documents in starting payments again. On XX/XX/XXXX I recieved an alert saying a change occurred on my report, Navient had reported late dates for XX/XX/XXXX abd XX/XX/XXXX to XXXX dropping my score with them down to XXXX pts. I called Navient explaining my account was on hold and made current she reported seeing this on her computer and said she would put in a dispute that could take up to 90 days. So i told her within seconds it them to lower my credut score, it will take them 90 days to figure out if they will do anything about it, sge said yes. This drop was catastrophic to me since i have to help my son with his school loans also. So i decided to call XXXX and dispute with them they said it will take 30 days. I sent a letter to Navient then on XX/XX/XXXX i received a alert that my score went up but within an a few hours another alert occurred saying Navient reported the same late dates for XX/XX/XXXX and XX/XX/XXXX but on XXXX which dropped my scores with them another XXXX points. Im so overwhelmed with how these people are destroying peoples livelihood. Im not sure why they would report late dates for XX/XX/XXXX, right now, and did n't before and if im in good standing now why report late date for this year. I truly need assistance with this issue. Im trying to do better with my student loans but they are making it very hard.
Received a mail offer from SoFi of up to {$98000.00} to consolidate debt. I was preselected to receive up to that amount and maybe more. I applied for less than that amount and was denied. My credit score was over XXXX. 
When I contacted them they only checked to see that I was supposed to receive the offer. They also told me I would have to apply with one of their other companies at higher rates ( bate and switch ). Then on top of that I later received the same type of offer for up to {$93000.00}. 
I am including the offers and looking at the offers I feel they are false advertising and have udaap problems with this type of offer.