WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I submitted a written request by mail for Experieran, XXXX, and XXXX credit Bureaus to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, XXXX, and Experieran over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from Experian on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Experieran, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Experian credit Bureau did not provide me with any verifying documentations.

My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all three reporting Credit Bureaus, XXXX, Experian, and XXXX. Thanks so much for looking into this important matter.
There are several complaints in and for WELLS FARGO BANK NA but this takes the taco and is unreal to think it 's possible, Whereas Current documents forwarded to CFPB show that WELLS FARGO BANK NA allowed a Veteran and a Senior Citizen not only to be harassed but also tricked by unlawful means to conspire to steal XXXX XXXX Properties by Re- Financing all his land that had already been paid in full without his knowledge or consent and allowed another party/parties to chop up and sell after being notified of encroaching, vandalism and harassment to log illegally was written as a complaint to the companies involved including XXXX XXXX who to this day has XXXX XXXX ; XXXX as the Insured and owner of REAL PROPERTY including the ones XXXX is fighting for in Supreme Court XXXX , XXXX instead of XXXX , XXXX . were it was filed? 
Where WELLS FARGO BANK NA intentionally requested XXXX XXXX Give away his property and pay {$350.00} Knowing and Willingly XXXX XXXX refused to breach his contracts with the " COMPANIES '' mentioned above, so XXXX XXXX filed complaints with federal agencies only to be the PRIVATE LENDER to FRAUD and THEFT when documents show XXXX/XXXX/14 XXXX owner and XXXX XXXX leaser of property and WELLS FARGO BANK NA is notified and ends up allowing XXXX and XXXX XXXX XXXX to Continue the fraud deceit and forgery by way of forefeitures and illegal attacks trying to kill us, also not allowing Insurance company to compensate XXXX for Vandalism but XXXX XXXX and sons receive XXXX XXXX XXXX XXXX to even add Back DECK to home under XXXX XXXX VA XXXX XXXX as well? How is this legal? Leaving XXXX XXXX ; XXXX XXXX and his son XXXX homeless with excuses and burdens to bare. XXXX XXXX never even signed any papers as the primary and supposedly walked in and paid with cashiers " personal '' Check and paid this property off, on the other- hand statements from the Companies state illegal procedure by BANK AND TITLE COMPANIES to XXXX in fraud and forgery.
I have been XXXX for 21 years. I began my student loans with {$25000.00} and currently owe {$38000.00}. In my federal student aid report it does not show my repayment plan type or PSLF. Any time that I have called Navient, or XXXX XXXX before my loan got switched to Navient, for assistance or options I have been immediately granted a forbearance, but have always been told that I did not qualify for any types of forgiveness either because of the type of loan that I had or my income. I spent my first ten years in XXXX in XXXX that were XXXX XXXX XXXX. The following nine years were XXXX XXXX targeted XXXX. I had colleagues with other loan service providers that were able to get some loan forgiveness with their loans, but I have never been able to receive anything other than forbearance from Navient.
SO AFTER VIEWING MY CREDIT REPORT FROM XXXX AND DISPUTING SOME ITEMS OVER AND OVER AGAIN AND THE ITEMS ALWAYS COMING BACK AS " VERIFIED AS ACCURATE '' I DECIDED TO CONTACT THE DISPUTE DEPARTMENT OF XXXX AS WELL AS EXPERIAN. IMAGINE MY DISAPPOINTMENT WHEN I ASKED THE REP " WHAT EXACTLY IS THE INVESTIGATION PROCESS '' AND SHE REPLIES " WE DO NOT INVESTIGATE, WHEN A CONSUMER CONTACTS US ABOUT AN ACCOUNT ON THEIR FILE ALL WE DO IS PUT IT IN XXXX AND IF THE INFORMATION MATCHES AND THE CREDITOR SAYS IT NEEDS TO STAY ON YOUR ACCOUNT THEN THAT IS WHAT WE DO. SO AT THAT POINT THE FACT THAT I HAD TWO OTHER SOCIAL SECURITY NUMBERS ON M EXPERIAN ACCOUNT MADE SENSE BECAUSE THEY DO NOT CARE ALL THEY WANT IS MONEY AND WHATEVER AN FRAUDULENT CREDITOR WANTS TO PUT ON THE ACCOUNT IS FINE WITH THESE COMPANIES. SO WHILE TALKING TO THE REP FROM XXXX AND COMPLETLEY BEING SHOCKED I ASKED HER IF I COULD TALK TO A HIGHER UP DEPARTMENT AND I WAS TRANSFERRED TO THE EXECUTIVE CUSTOMER SERVICE DEPARTMENT WHERE A LADY NAMED XXXX CONFIRMED WHAT THIS LADY SAID. THERE IS NO INVESTIGATION. XXXX DOES ALL THE WORK WHICH EXPLAINS ALL THE INQUIRIES THAT HAVE BEEN ON MY XXXX REPORT. I CONTACTED THE ABOUT A LETTER THAT XXXX XXXX  SENT ME A WHILE AGO ABOUT A FRAUDLENT INQUIRY SAYING THAT THEY HAD SENT THE LETTER OUT TO XXXX AND EXPERIAN ASKING THEM TO REMOVE THE INQUIRY. THEY HAVE NOT REMOVED THAT ACCOUNT AT ALL. I HAVE DISPUTED XXXX, XXXX XXXX XXXX XXXX XXXX SO MANY TIMES AND WHEN I CONTACT XXXX AFTER THE " INVESTIGATION '' IS OVER AND AS THEM FOR INFORMATION SUCH AS WHO DID THEY CONTAT AND A NAMEAND ADDRESS AND POSSIBLY A PHONE NUMBER THEY REFUSE TO ANSWER THAT. NONE OF THE COMAPNIES LISTED ABOVE WILL VALIDATE THEIR DEBT WITH ME AND I HAVE CONTINUED TO MAKE CONTACT WITH THEM SEVERAL TIMES BUT THEY NSIST ON IGNORING ME. YET THE CREDIT BUREAUS SUCH AS XXXX CNTINUES TO UPDATE MY ACCOUNT AND ADD NEW ACCOUNTS. I DONT UNDERSTAND THE PURPOSE OF REGULATING THESE COMPANIES IF THEY ARE GOING TO CONTINUE TO PLAY BY THEIR OWN RULES. THE FDCPA GIVES ME THE RIGHT TO ASK FOR A VALIDATION OF DEBT. IT ALSO SAYS THAT ALL COLLECTION ACTIVITY MUST CEASE WHEN A DISPUTE IS GOING ON SO HOW CAN A CREDITOR VERIFY AN ACCOUNT AS ACCURATE IF IT IS IN DISPUTE. I M ASKING THE CFPB TO GET INVOLVED BECAUSE IT 'S ALWFUL THE WAY XXXX DOES IT CONSUMERS. GOD FORBID YOU ASK TO SPEAK TO A SUPERVISOR BECAUSE YOU WILL EITHER ASKED TO GIVE A CALL BACK NUMBER OR HAVE THE PHONE HUNG UP IN YOUR FACE AT XXXX. I HAVE UPLOADED INFORMATION AS WELL AS SENT IN LETTERS AND THIS CREDIT BUREAU HAS COMPLETLEY IGNORED ME AND I CONTINUE TO DISPUTE THIS INFORMATION! THE LAWS HAVE TO CHANGE FOR THESE BUREAUS ONCE AGAIN AND THERE CLEARLY NEEDS TO BE BETTER REGULATION BECAUSE THEY ARE NOT LISTENING OR EVEN INVESTIGATING THE MESS THAT THEY ARE PUTTING ON OUR CREDIT REPORTS. SOMEONE HAS TO STAND UP FOR THE CONSUMERS BECAUSE THESE BUREAUS ARE ALL ABOUT A PROFIT AND THEY ARE HURTING US AND OUR ABILITY TO LIVE.
*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against XXXX and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.
I had 2 transactions that I made during the XXXX Holidays and I didn't receive the items. I made a dispute with XXXX XXXX and they never contacted me personally to inform me of a decision being made before denying both disputes and charging me for items they originally credited, pending dispute! I refuse to pay for items that I didn't get! They have charged the money back to me stating that the merchants say the merchandise was delivered to my front porch ( no signature ) and that was enough information to deny the claim. They stated that I need additional information stating that I want them to continue the dispute process through XXXX-but NOT once did they send a letter explaining this process and inform me of this. I didn't find out that my card had actually been re-charged for these purchases until I attempted to use my card and my card was declined. The representative that I spoke with this evening stated that they tried to call me ( there were NO messages left from this company ) which I find hard to believe. I never received this merchandise and refuse to be charged for items I never received! I never received a letter a phone call or message stating that they needed additional documentation to continue to pursue this case! If I had not called in after a purchase is declined, I would have never known- this is ridiculous! I want my money back immediately.
This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.
I contacted Experian by certified mail on XXXX XXXX, 2016 and XXXX XXXX, 2016 asking them to verify the information they were reporting on XXXX XXXX XXXX acct XXXX. They still have not provided me with any verification. I also contacted XXXX and XXXX who both have removed this account from my credit.
I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear, concise and understandable for any one at any educational level.
XXXX XXXX XXXX XXXX/XXXX XXXX evidently turned over an unknown account to a collection company called Convergent. I have not received any correspondence from this company or phone calls. I work for a small company as in order to purchase office supplies, etc., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for Convergent could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.
I transferred {$1000.00} from my Bank of America savings account to a savings account at another bank. I was charged a {$3.00} transfer fee that was not listed anywhere on my schedule of fees for my account - I have a complete listing of fees and this should have been a zero-fee transaction. I called to complain and they told me this is just how they do things. I am very displeased with their lies and misrepresentations about their fees and think this practice needs to be stopped. I would also like my {$3.00} back.
I have a hard time trying to resolve my 1st & 2nd mortgages through a short sale. These are 2 very bad loans from subprime XXXX, from the mortgage crisis. I like many Americans did not realize how bad my loans were until the mortgage crisis hit. I tried to fight these bad loans with an attorney to keep my home. I was, unfortunately, unable to do so, and am currently doing a short sale. Both of my loans have been sold. XXXX XXXX has the first. The 2nd was charged off because it was terribly upside down, and Real Time Resolutions has now. XXXX XXXX has approved a short sale based on there BPO & appraisals at {$730000.00}. XXXX XXXX has approved a {$6000.00} payoff for the 2nd lien. Real Time Resolutions is not willing to approve my short sale. Even the real estate company reduced the fees to 3 % total to help me get approved. 

Real Time Resolutions originally asked for {$29000.00} dollar payoff. My real estate company explained to them how absolutely ridicules, and possibly illegal that request is. Real Time Resolutions then dropped the amount to {$15000.00} stating they need 10 %. XXXX XXXX investor guidelines will not allow more than {$6000.00}. Real Time Resolutions is forcing me into a foreclosure. 

My main complaint against Real Time Resolutions is obvious greed and predatory lending practices. Real Time Resolutions is stating that because my 2nd lien is not XXXX XXXX or XXXX XXXX they will not accept {$6000.00}. These are obviously good guidelines for mortgage loans. BUT because my loan is a fraudulent subprime loan from the mortgage crisis from XXXX they will only accept {$15000.00} or more! How is that even legal in America? How can this company ethically behave like this?? Because my loan is a bad loan from the mortgage crisis they demand more!! This is plain and simple predatory lending practices.
LVNV FUNDING put collection on my credit for a XXXX account. I had insurance with XXXX. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from LVNV and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit
I originally set up the account when the business name was Bill Me Later. This company offered zero interest during a specific time period then a relatively high interest rate after the no-interest period expired. I was able to pay the the borrowed sum during the zero interest period in a timely manner before I lost my job. 

I have been struggling to find stable employment. Despite what the Trump Administration brags about, the employers are not interested in investing in their people long-term ; they are only interested in hiring on a temp basis with low wages. I contacted PayPal multiple times to ask that they work with me ; the goal was to close the account to prevent it from accruing more of the ungodly amount of interest that they charge so that I can continue paying with the eventual goal of paying off the balance. PayPal has repeatedly refused to work with me leaving me no choice but to abandon the account. I have written multiple requests to PayPal 's customer service asking SPECIFIC questions about resolving this issue and the only thing I ever receive in return is a template complaint overview ( attached ) which addresses nothing and solves nothing. 

PayPal also refused to help me resolve an issue with a supplier. I purchased tickets for a concert online at XXXX. The company did not disclose that the seats that I was purchasing were obstructed view - the seats were sold months before the show. When I arrived at the venue, I found the seats were placed behind towering sound and video equipment. The only way I could see the stage was by viewing the large tv screens. I contacted the supplier and requested that they compensate the cost of the tickets - they were {$300.00} tickets - but they refused and the attorney general for XXXX didn't think the fraudulent activity coming from this organization based in her district was important enough to investigate which is appalling. I asked PayPal to  reverse the payment due to the circumstances and assist me as their customer - but they refused. 

So far, PayPal has had the audacity of charging an exorbitant interest rate without providing any customer support for a fraudulent purchase and in addition to this has refused to work with me regarding the excessive interest rates which is one shade from being criminal. PayPal has SO MANY COMPLAINTS about their garbage customer  service and fraudulent business practices that I am shocked that they are still permitted to operate. There are many consumers out there who don't see options in fighting big Corporations but it is these very same people who are struggling with companies like PayPal who feed off of them like vampires through the obscene interest rates. This site gives you an overview of how the American people feel about PayPal : # XXXX XXXX XXXX XXXX I am willing to pay what I owe them but the interest charges have to stop. What these companies are doing I consider to be abuse of power. They are affecting the lives of millions of people without any care whatsoever as to their business practices. 

I look forward to your help. Thank you so much.
Doctor was aggressive in pursuit to get us to come to his office for his service, which is a diagnosis of XXXX, i.e., XXXX. Multiple persuasive phone calls. Over the phone assurance to reduce the bill after I advised that I am a single mom and not able to pay for this service. I finally caved and took my son to see XXXX XXXX / XXXX, FL. XXXX XXXX was not there for the appointment. Instead, we were surprised to be taken in by a Technician. My son was given a pill ( I believe XXXX ). We were strong armed into taking a test. This test was advertised as {$600.00} over the phone by XXXX XXXX. I was concerned and researched the doctor after the test finding multiple complaints about aggressive sales tactics ; inability to be reached or not being present at appointments ; as well as inflated billing and collection practices. I opted to cancel the follow up appointment with XXXX XXXX. Numerous sales calls by XXXX XXXX followed, advising me that my son had serious issues and problems and that I needed to address same. I did not make another appointment with this doctor. 

I was billed {$1500.00} against verbal {$600.00} price assurance over the phone. 

The bill, supposedly consists of {$600.00} test ; {$100.00} cancellation of supposed XXXX appointments ; and a {$450.00} deductible sum for what I am not certain of. 

This breakdown by the office secretary named XXXX still does not mount to {$1500.00} sent to collection. 

This doctor is unethical and as a single mother, I am not able to cover this amount. I do not want my son to be pushed on medicine. 

Having given my son a pill for testing without first advising me prior to the test and without a consultation prior to the test is absolutely incredible. 

To make things worse, XXXX XXXX office waited until my son turned XXXX years of age to turn this manufactured bill into a collection against my son 's credit.
My Equifax hasnt been updated since XX/XX/2016. Showing on There is a collection account in the amount of {$580.00} which says its still open and under the name of XXXX XXXX XXXX. I called XXXX and they told me they sold th account to a different collection agency which has been correctly and accurately reported to on XXXX by XXXX XXXX. I paid the account off in XX/XX/XXXX and they recently took it off my credit report. When I contacted Equifax the first time I had no issue with them creating an investigation into my account and my request for info to be updated. There is an inaccurate address reported by them which I requested to be taken off and I requested they update my account. I waited 2 weeks and when I called back they said the information I gave them to verify my identity was reporting inaccurate and they would not update my account unless I sent by fax a copy of my social security card and my I.D . Which I dont feel comfortable doing that
I have been paying back my student loans held by Navient for about 5 years now with a fixed payment plan ( the same amount is withdrawn every month on autopay ). On XX/XX/XXXX I directed an overpayment to a loan. 

Today ( XX/XX/XXXX ) I did a deep dive into my loans to check how repayment was going. I noticed that, though I was charged the same monthly amount, no money from my monthly payments had been going to the loan that I overpaid for the months of XX/XX/XXXX-XX/XX/XXXX. I also noticed that the next time that that particular loan was scheduled to be paid was XX/XX/XXXX, a full year after I had directed the overpayment. 

Obviously, my intent in overpaying a loan was to pay it off quicker, not defer payments and have the loan accrue interest while it was deferred. I had overpaid before and had never had this issue before. To my knowledge, I had not received any correspondence from Navient that would indicate that loan overpayments would defer future auto payments, nor was I given an option at the time of overpayment to choose whether or not I would like to defer future payments. 

I called Navient and they said that they would fix the issue. They would reset the payment calendar on that loan to reflect when I would begin payments ( in XX/XX/XXXX instead of XX/XX/XXXX ) and they would return interest that had been compounding on my overpaid loan. They also said that they would reallocate my previous payments retroactively to reflect my original intention, which was to have my regular monthly payments continue after an overpayment. 

I am filing this complaint for two reasons.

1 ) I am worried that Navient may not resolve this issue in a timely manner and in the way that they described to me on the phone. 

2 ) The practice of defaulting to loan deferment after an overpayment is deceitful. The intent of most overpayments is to pay a loan down more quickly. By defaulting to a deferment, Navient is ensuring that they are collecting interest on loans that have been overpaid. They are hoping that those in debt do not notice that certain loans are not in repayment because of an overpayment and are therefore collecting interest. 

I caught this problem, but I do not want others to have the same issue that I had.
On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the FACTA report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XX/XX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
I HAVE A MORTGAGE LOAN WITH CHASE BANK AND WENT OFF TO THE WAR IN 2004 FOR 3 YEARS THEY WERE SUPPOSE TO LOWER MY MORTGAGE TO 6 % STATED BY LAW AND DID NOT DO SO. THEY KEEP IT AT 10.12500 %
PRINCE PARKER KEEPS CALLING MY CELL 13 TIMES AND HAVE 3 SCREEN SHOTS. THEY ARE CALLING FOR OTHERS. AND IS REPORTING ON OUR XXXX CREDIT REPORTS.