WillisBack/dataset-financial-user-claim huggingface dataset:
Account # XXXX ( Since 2009 ) So I owe Navient private student loans. For the past 8 years I have paid Navient some type of payment. Even when I was going to school. I know they recently combine my loans into one billing and they are now charging me only 1 % but it is still too much. It is at XXXX but I'm laid off and once again I called today to ask how much have I contributed to my loans? My student loans were around 8k, and that 8 years ago and I still owe XXXX. So need to know if Navient has added unnecessarily interest. It seems like I've been in a never ending cycle of debt with Navient. I need {$0.00} payments. I need this because for the past 8 years I have paid over and over again some type of payment. I need forgiveness for this loan. I'm going through a lay off and the same hardship for the past year now. I need forgiveness and I need this loan forgiven once and for all.
PayPal refuses to close my account out or let me speak to anyone higher than a customer service rep to resolve my issue. I have made countless attempts to resolve this with them but they refuse. This is a horrible company that does n't care about its customers. I just want my account closed.
On XX/XX/XXXX FCO ( Fair Collections & OutSourcing and I reached a settlement agreement that with a payment of XXXX my account with them would be considered closed and settled and updated to reflect that on my credit report to reflect settled in full ( See attached ). The payment was made to them and I received a confirmation letter dated XX/XX/XXXX. In XX/XX/XXXX i checked my credit and the account reflected as : Open and with a balance of {$3400.00}. At this point I disputed the information and received a letter back from the creditor ( See attached ) stating that the account has been reported correctly. They have not stuck up to their part of the agreement and my credit has been impacted from XX/XX/XXXX until today. I would like this information to be updated on my credit to what was agreed upon. I have been turned down for an apartment due to their inaccurate reporting because it does not reflect that i have paid them in a settlement.
The school attended was University XXXX XXXX XXXX campus ( online ) and I was not given the option to obtain a federal loan. The University XXXX XXXX XXXX campus only offered XXXX XXXX ( Navient ) loans and I was under the belief that in order to obtain a XXXX  degree that I would have to take out a loan from XXXX XXXX ( Navient ). There was no other option outside of not going to school. I am questioning whether XXXX XXXX ( Navient ) and University XXXX XXXX have a business relationship in which students are strong armed into applying for a XXXX XXXX loan ( Navient ) because there are no other options. 

My second issue is the high interest rate that XXXX XXXX charges ; my payments are directed to my interest and not my balance so at that rate I will never remotely pay off my student loans. I will also question XXXX XXXX ( Navient ) payment policy. I have contacted Navient in order to try to work out a settlement or a way to relieve the burden and they are unwilling to assist me in anyway. That is why I am not filing a complaint.
Wells Fargo deposited and cashed a XXXX party check without having the required XXXX signatures. Outcome to XXXX XXXX, 2016 letter from Wells Fargo Original compliant XXXX. 
XXXX XXXX, 2016 Subject : original CFPB XXXX XXXX XXXX XXXX since your last correspondence date XXXX XXXX, 2016, I have followed up with XXXX regarding the breach check on XXXX XXXX, 2016. As of XXXX XXXX, 2016 XXXX informed me that Wells Fargo has requested additional documents, I have included Citibank 's correspondence. A S Home Improvement is Wells Fargo client. I have not had any contact with A S Home Improvement since Wells Fargo deposited and cashed the check without the required signature from A S Home Improvement on the XXXX party check. This account and video has been subpoena by XXXX. Contact XXXX XXXX XXXX regarding the police report and warrant. 
Although you have stated Wells Fargo corresponds directly with XXXX, XXXX suggest that I correspond with Wells Fargo. It appears to become a XXXX game that I can not entertain. Wells Fargo gave the funds away without following Banking Regulations. I am the victim of this crime. The request for me to get an affidavit from your client, who has vanished, is absurd. Wells Fargo is liable because banking protocol was not followed. Therefore, the breach check needs to be replaced in full and sent to XXXX. More than enough time has passed to resolve this issue. 

CC : CFPB
On XXXX XXXX, XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to Transunion as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from Transunion stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue. On XXXX XXXX, XXXX, I sent a copy of the FTC report as well as a letter of the accounts and inquiries, which were the result of fraudulent activity and/or theft. However, on XXXX XXXX, XXXX, I received a letter from Transunion stating the company could not block these identified accounts as well as place the ID theft block on my account to have the creditors contact me if my credit profile is accessed by firms. This is a problem with having commercial companies whom can manipulate my finances throughout the course of my life.
I was a victim of the Equifax cyber attack that has affected 143 Million Americans. I do not know what information of mine is now public data. I have placed fraud alerts with all three credit bureaus however I have not frozen my accounts yet. I do not believe I should be paying to freeze my accounts to a company that has caused the breach in the first place. Ridiculously irresponsible, and scary for a XXXX year old woman who is working on establishing credit. 

My personal data has been compromised and I received no notice from Equifax before seeking out information on my own. Shameful.
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Although Citizen 's Bank increased interest rate three times this year, in XXXX they increased the interest rate for the fourth time although Federal Reserve did not increase interest rate since XXXX of 2017. It appears that the Bank is intended to harass us with systematic increase of rate.
Ste
p 2 : What type of problem are you having? Deletion of bankruptcy with Transunion Step 3 : What happened? I spoke with a lady in the special handling department at transunion and I asked her how she got the information about a bankruptcy with my name under it. She told me that they have a 3rd party that looks into these things and places them on your credit I sai  d how did you get my social security number. She told me that the courts gave it to the company (   XXXX   ). I called the courts ( spoke to a lady named  XXXX  ) and she said we do not and can not give out someones full social security number. When I told transunion that, she told me well what do you want me to do about that? I told her take it off my credit report and she told me no and gave me consumer financials information if I had a problem Step 4 : What co  mpany is this complaint about? transunion Step 5 : W
ho are the people involved?
Myse  lf  (   XXXX   XXXX  ) and Transunion
CHECKr, is the company that has been providin g OLD information about my driving record to the   XXXX   XXXX   that I currently   XXXX   for, or have applied to. They are reporting information that is over 10 years old!
I was just recently notified by my credit bureau that my score dropped over XXXX points. I immediately went online to check it out to find that CapitalOne was reporting me over 30 days delinquent. I knew I had not used the card so I immediately thought fraud. However, after calling CapitalOne, I was informed it was from the annual credit card fee and by now received XXXX late fees. I did not receive any email notification or any statement in the mail. I checked everywhere. CapitalOne agreed to waive the late fees and update my credit bureau. However, they are unable to expedite the request and force report to the credit bureaus. I am in the process of purchasing a mortgage and as a result I will be charged a higher interest rate, my mortgage payment will be higher, and delay the process of purchasing our home. This is XX/XX/2017 and a credit card company can not expedite a credit bureau update per their error? They stated I would have to wait till the account cycles. That is three weeks from now. This needs to be done now!
Calvary Portfolio is continuing to reporting an account which was paid & supposed to be removed..They claim it was settled but when I discussed the paying the account they said it would be deleted. The rep said it was called a paid for delete. I 'd like this item removed per the agreement ... They are not honoring the agreement & it is impacting my ability to get a loan ... I need it removed at once ... Additionally, I was informed they would be sending me a letter but I still have not received anything ... I think this is some form of bait & switch ... The account is damaging my credit. Please remove it
This is not my account yet is listed on my credit report. I did not open this account EVER. This is causing serious life events to be unattainable.Company just stalls..
Per Certified Credit Reporting Report # XXXX, XXXX, XXXX, and Experian have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - aka : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
I received a medical bill for my ex-husband claiming I guaranteed the debt. I know I never guaranteed any of his medical charges so I requested a verification of debt. I received a simple bill from a hospital for my ex-husband XXXX XXXX and it shows me as guarantor but first, there is no signature, second, my name is XXXX XXXX not XXXX XXXX and third they have the wrong address for me. I called and explained that the verification of debt did not have any signature and I did not guarantee this debt and they told me to " take that up with the hospital. '' Also they violated FDCPA, they did not verify who they were talking to and gave me information on the bill without properly identifying me. Also my husband and I are divorced so technically this is third party disclosure sending me his medical bills. 

I do not owe this bill and if it is on my credit bureau it is harming my credit rating and my reputation. I am in the finance business and can not have fraudulent trade lines on my credit bureaus. 

The attorney reference number is XXXX
XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}
My Complaint is against Pressler and Pressler they have constantly sent me old court documents from when I went to court with them in 2013 and agreed to pay the debit off by a payment plan for which they never contacted me again until now and sent me a false subpoena asking for me to meet with them at a lawyers office to go over my assets it states if I do not appear it is an contempt of court and a warrant will be issued for my arrest. When I contacted the court to ask if this subpoena was issued by them they stated they have no record and subpoena do not come by regular mail you are physically handed it by a sheriff. Also when I first received the subpoena back in 2013 to appear in court I spoke to Pressler and Pressler and they made me to believe that the original creditor was suing me not a person that purchases debit that was charged off. I do not feel I owe XXXX anything as I never agreed to any obligation with them financially only tricked to agree to a payment plan that they never followed up on.
XXXX XXXX in XXXX, GA tried to steal money from me XXXX SENT THE RECEIPT ON XX/XX/2018. The rental was returned on XX/XX/2018, XXXX GAVE A RECEIPT THE SAME DAY XX/XX/2018. They tried another receipt thinking I wouldn't notice. I opened a dispute with American Express and they closed it. They didn't even ask me for documents. Something is wrong with the company. If you notice the people in XXXX didn't even know when I returned the vehicle.
XX/XX/2019 - Applied for a car loan through a dealership. Was denied. 

Received a letter in the mail ( dated XX/XX/2019 ) stating denial and showing credit score results. XXXX reflected a seemingly accurate credit score ( I have never missed a payment in my life ) but XXXX XXXX XXXX showed a poor credit score. 
A quick XXXX search reveals countless testimonies to XXXX 's low credit score reporting and their spam-like behavior.

Sought my own financing and found it easily through a credit union because my credit is, in fact, excellent.
I 'm victim identity theft I have disputed this with transunion XXXX for sum of {$250.00} was deleted not mine some one with similar name removed back on XXXX XXXX sum of {$3900.00} wow deleted due too not mine some one with similar name back on transunion has negelected me buy removing paid as agreed loans such as ford acct XXXX sum {$35000.00} removed its positive account opened XXXX XXXX closed XXXX XXXX ally financial opened XXXX XXXX closed XXXX XXXX sum of {$27000.00} they have been called they see it in there archives I have asked for them too re-report it they agreed too put it back on due too typo error in there behalf yet too be re-reported I asked them please put back on my loans with texas XXXX XXXX XXXX loans starting in XXXX XXXX sum of {$32000.00} closed in XXXX XXXX then XXXX XXXX closed in XXXX XXXX sum {$18000.00} then XX/XX/XXXX closed in XXXX XXXX sum of {$25000.00} nothing they will not re-report what they removed with out my consent nor do they care about what there reporting I have for some on reason XXXX inquiries from XX/XX/XXXX too XX/XX/XXXX wow I have begged them too delete these inquiries there hurting me really bad there not mine according too the fcra they must delete everyone them at once due too fraud there wanting police report I sent lawyers report as town I live in do n't do reports as I told them my attorney gave me statement too mail them they ignored it they have done nothing but injure me really bad I hade XXXX fico XX/XX/XXXX know I do n't know there not following the fair credit reporting act please help me thanks
This was a tax lien that was listed for XXXX XXXX XXXX. It was in error so I disputed the record. The XXXX investigated and reported that the lien was " Released '' but it was in-fact expunged as it was filed in error. I checked with the Court and they show it expunged filed in error. I spoke with XXXX and XXXX from XXXX who told me they use a third party vendor who they refused to identify that the vendor verified the information as being accurate. I asked XXXX what happens when the vendor is providing false information? I was transferred to XXXX ID # XXXX who stated that they disputed the information and the courthouse advised them the lien was released and satisfied. I checked with the court who advised anyone checking would be advised it was EXPUNGED and filed in error. XXXX stated they can not advise how the verified the information because it was " internal policy. '' Clearly they are not doing primary source verification which is a violation of all applicable rules.
When set-up, my checking account had an associated address with a family member in XXXX, XXXX   and was later changed to my address in XXXX, XXXX. I completed a change of address form when moving to XXXX, XXXX. The family member address in XXXX, XXXX continued to receive my account statements with my account information. 

I closed my account with Fifth Third in XX/XX/XXXX while at the XXXX, Ohio address on file. I continued to receive account statements even though my account had been closed for over 2 years. I went to a branch and had the branch manager confirm all accounts were closed in XX/XX/XXXX. In XX/XX/XXXX, another family member received a debit card in the mail for an account in my name in XXXX XXXX, XXXX. 
Even though my account has been closed since XX/XX/XXXX, my personal account information has now been sent to two addresses that were not associated with my account. I am concerned as to where else my information may be sent and also that Fifth Third has set-up fraudulent accounts in my name.
XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of CARE XXXX XXXX 's Tax Registration Certificate, all of which XXXX XXXX XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX XXXX XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, XXXX, and experian, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit.
I have a loan with DISCOVERBANK. 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, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2018.
Chase is really dragging out making a decision on my short sale application. They have made me submit the same information multiple times, and continue to stall without closure. 
I made application for a short sale with Chase XX/XX/XXXX. This is for my propoerty on XXXX ( Loan # XXXX ). This loan is the XXXX mortgage on this home where I owe about {$8500.00}. The XXXX Mortgage is with XXXX XXXX where I owe about {$38000.00}. XXXX XXXX granted me the short sale and lowered the accepted price to {$12000.00}. The home is for sale where I recently received an offer to purchase the home. I am writing this complaint, because I have attempted to get Chase to respond to my short sale application. The realtor ( XXXX XXXX XXXX ) has made provided Chase the offer information and they still will not respond. I have complied with everything Chase has asked me to do including submitting the same information XXXX different times since XX/XX/XXXX. Based on XXXX XXXX 's action on lowering the price, I would expect Chase to do something simular. I would think XXXX-XXXX would be acceptable to settle the loan with Chase. I have had a buyer for this property since XX/XX/XXXX, but I cant close the deal because chase will not answer the short sale. Recently I have been working with ( XXXX XXXX ext. XXXX ) Chase, but all they tell me is " it is with the negotiator ''.
I owned a condo in XXXX and had decided to rent it for two years. In XXXX XXXX my tenants stopped paying rent and I was not able to pay mortgage since sine was the income I relied upon. At this time, I also had the property listed for sale and was receiving many offers and knew a deal would close soon. As soon as I knew I would have a problem paying mortgage I called Wells Fargo to see if there was anything they could do to assist. I had been a loyal customer for 8 years and had never missed a payment once. I was told that since the property was listed I did not qualify for any of their assistance programs. I received calls day and night from Wells Fargo representatives trying to collect the debt and each time I spoke with the representative I explained the situation and asked if there was anything I could do. Each time I was told the only resolution was to pay the debt in full or they would report the delinquencies to the credit bureaus. I was unable to pay mortgage for 4 months and as a result my credit score suffered a major hit and fell XXXX points. XXXX XXXX I called several New York State agencies trying to see if I could get help and was referred to HOPE. I spoke with one of the counselors, explained my situation and together we called Wells Fargo to see if they would assist. While the HOPE agent was on the line, we were told that nothing could be done to help me since the property was listed. In XXXX XXXX I received an email from Wells Fargo stating that I had been approved for a streamlined modification. I was surprised because the property was still listed, and for moths I was rejected from receiving any assistance and had n't applied for this modification. When I called to speak with a representative I was told that I qualified for the program because I had n't missed payments in the past. I asked why I was n't advised of this program back in XXXX XXXX when I first reached out for help and was not given an answer. Had I been advised that I qualified for an assistance program, I would have been able to work with the bank while the sale was pending. Instead I was ill-advised and as a result my credit suffered. Now that my property has sold and I want to purchase a new home, I can not do so because my score is very low. I will have to pay very high interest rates if I can even secure a new loan. I worked very hard for years to maintain an above average score and because I was rejected from a benefit I should have received I am now suffering this financial injustice. When I initially called Wells Fargo in XXXX XXXX I should have been advised what my options were but instead I was rejected and my credit suffered. Having been a loyal customer for 8 years I am shocked that the bank has neglected to service me properly and put me in such financial jeopardy.
I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been XXXX. I have XXXX that I am constantly in and out XXXX At one point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my XXXX XXXX report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below DatesXX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX