WillisBack/dataset-financial-user-claim huggingface dataset:
I took student loans out to help pay for college and my living expenses while attending college. Since I graduated, I have been on an income-based repayment plan. I have paid the amount due every month. My family has grown in size and it has been difficult to pay any more on my loans besides what was figured with the income-based plan. My loans have grown to almost {$20000.00} more then what I originally borrowed. I feel that this is extremely unfair because I was paying what has been expected of me. These loans have been in negative amortization almost the entire time I have been paying on them. I feel that this is predatory lending because I did not realize this would be allowed. I understood that I would have to pay back the amount I borrowed, plus some interest, but I thought that by making the payment that was expected of me that my loans would not grow this exponentially. I am so sick to think that I will owe so much more then I ever borrowed.
I received a notification from my credit reports that I have a new collection. I checked into it to see who and what it is from and the collector is Commonwealth Financial. I have not received any phone calls, letters, or anything attempting to collect a debt. I searched the Secretary of State website of Texas to try and gather more information, however they are not licensed to collect in Texas. They are claiming that I owe {$92.00}, to whom I do not know.
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX. has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical procedure information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. Thank you for helping me resolve this matter.
I signed up for TransUnion 's XXXX XXXX free credit monitoring as a result of XXXX XXXX failure to provide multiple agency credit monitoring as promised with their XXXXXXXX XXXX credit monitoring program. It promised free multiple agency monitoring and the ability to place a credit lock on my info at my discretion. Like XXXX, that has been a complete lie. 
As soon as I completed the registration which included all of my personal info including current contact info, I was informed that a credit lock could NOT be activated on my credit report. I had been asked questions from my report to confirm my identity during the registration and my current contact info was confirmed online by their site. 
I was told to contact their customer service number which of course is an outsourced call center outside the US with foreign nationals with fake names asking me for my personal data and trying to peddle credit cards and other marketing surfaces to me. I will NOT discuss personal data with out of the country call centers! They have already vetted me online and have my current contact info. This is blatant fraud and a stall tactic to peddle " paid '' services. 
They quote the need and ability to monitor multiple agencies citing the fake XXXX " breach '' as their primary reason. These two obviously have a partnership in this scam. 
With XXXX playing victim and begging millions of consumers to join their services for protection, they have formed a partnership which has not only furnished private data to the world but given the hackers the latest consumer contact info as well. I don't expect to ever see any government agency hold these people accountable. I am filing this complaint as a matter of record prior to filing my own suit against them.
I contacted EQuifax trying to remove hard inquiries off my credit report from XX/XX/XXXX to XX/XX/XXXX and they said they could not help me with it .I contacted the companies by letter because they have no numbers and they said they could not find my information in the system and for me to contact XXXX  to remove the inquiries and they said they is no way they could they just will have to stay on my report so I didn't get help on either end ... 

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Our mortgage company, New American Funding has been inaccurately reporting our mortgage payments late to the credit bureaus. We had our credit pulled in XX/XX/2018 and it showed that New American Funding reported us 30 days late inaccurately for 2 months. On XX/XX/2018 I spoke with 2 supervisors, XXXX and XXXX and was told that they do not pick up the payment XXXX XXXX XXXX, so this might be the problem. I told them that this should not affect me negatively because they neglect to pick up their mail. I have kept USPS tracking receipts showing the payments were received on time. On three different occasions they claimed they had not received our payment until five days later. After receiving no assistance from XXXX or XXXX XXXX asked to speak to the Manager. They told me a manager named XXXX XXXX would call me. XXXX XXXX did not call me so I reported it to the XXXX, she then contacted me XX/XX/2018. XXXX retracted everything I was told by XXXX and XXXX about not picking up the payment XXXX XXXX XXXX. She told me there was nothing she could do but email me a credit dispute form. I filled out the form and sent it to the credit dispute department. I called New American Funding on XX/XX/2018 and spoke to XXXX who told me the dispute was denied. This denial is unfair and need to be review by higher authority. This incident has ruined our credit and it needs to be rectified! I demand that these late payments be taken off of all credit bureaus.
On XXXX XXXX, 2017, I had 48 hard inquiries removed and then they were put back on. I did not receive any notice as to why they were put back on my credit report. I have tried disputing these items with Transunion and I am not getting anywhere. There were a few that I did not want removed because they are current and they were XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. Also when the glitch took place, closed accounts that were no longer showing up with a negative affect on my account, are now showing up affected. The school loans are showing up as late when they were deferred. 
Can someone please assist with this, I am trying to build my credit and this issue is holding me back from getting ahead.
This complaint is about the transfer of title when a loan from US Bank was paid off in XX/XX/XXXX. In XX/XX/XXXX, I leased a XXXX XXXX truck with XXXX XXXX. When the lease was completed, I purchased the truck with a loan from US Bank. That loan was paid off, and I expected a title to be issued to me. As you can see on the current XX/XX/XXXX registration, the truck ownership is still in the name of XXXX XXXX. The title should have been transferred to me when the loan with US Bank loan was open in XX/XX/XXXX. I have confirmed with the State of Michigan that the title is still in the name of XXXX XXXX. However, the State can only provide a copy of the title to the owner. Numerous phone call and correspondences to US Bank during XX/XX/XXXXhave not resolve this problem. When the loan closed in XX/XX/XXXX, the loan proceeds should have paid the transfer fee and sales tax. At that time the title should have been transfer to me. The Bank needs to contact its leasing company to correct this problem.
I disputed inaccurate/outdated information on my credit report with Transunion. Transunion removed XXXX disputed items but kept XXXX of them on. The XXXX XXXX XXXX XXXX is the same debt as the XXXX XXXX debt, both for the same mortgage of {$33000.00}. Both are still on my credit report. XXXX XXXX XXXX is not my debt. I was relieved of these debts per judge 's order. Transunion updated these negative accounts to XXXX 2015 activity but did not remove them. Also, there are XXXX debts from XXXX that are more than eight years old still being reported, XXXX with a monthly payment of {$0.00}. 
Transunion sent me an update on my dispute and a link to access a free copy of my updated report, but when I try to access it, I am directed to enter payment information for the amount of {$11.00}, so I have been unable to see my updated report.
I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY
I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX.
I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, Transunion and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.
I have been locked out of my mortgage account on line. I no longer receive paper statements. When I log on I am directed to a homeowner 's assistance page that will not allow me to have access to my account. I am current on my loan. I have called several times to resolve the matter. Each time I am assured that the matter is resolved and then I wait a couple of days and I am still locked out of the account.
I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 1 ) XXXX of XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 )  XXXX/ XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX XXXX.. ( XX/XX/XXXX ) 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX )
I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly payment did not get to me.
I received a dunning letter from a XXXX part debt collector on a debt that I do not recognize. I attempted to get validation of debt from them by sending XXXX letters to them. I never received a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

I just discovered that this debt collector has now filed a lawsuit and are posing as attorney 's representing the credit card company. It is my belief that they are nothing but interlopers that purchased this alleged debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served to appear in court and never received notice of this action and have learned of this by an attorney that sent me a letter in the mail.
I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
XXXX decided to do business with Citibank. Citibank decided to set up automatic annual XXXX membership renewal charges without my consent. Citibank took it upon themselves to charge the card {$120.00} for the annual XXXX membership fee. I wasn't aware of this. I got a letter in the mail telling me that my Citicard was closed due to non payment, and that I owed them {$220.00}. I called Citibank on XX/XX/18, and the rep told me that all he can do is waive one {$37.00} fee. I told him I would pay the {$120.00} that they took upon themselves to charge me, but that they needed to waive all of their fees and any other charges that they charged the account since it wasn't fair that they automatically signed me up for this Citibank card that I did not want, nor did I want to set up automatic payments for my XXXX membership to that card. The rep told me that unfortunately he could not waive any other additional fees except for that {$37.00}, and that I was responsible for paying the other charges to the account. I told him that I wanted to talk to someone that can take my complaint, or if he can provide me with an address so that I can write to Citibank regarding my complaint. The rep told me that he couldn't do that, but that he can have an account manager contact me regarding my complaint in 2 days. I told the rep that I was fine with that. It's been 7 days and I have yet to hear from anyone from Citibank. On XX/XX/18 I called in to pay the {$120.00} for the XXXX membership fee. Today XX/XX/18, I called in to check the balance on the account, and they told me that my balance was {$100.00}. This is ridiculous and I shouldn't have to pay Citibank 's fees.
I am writing to file a formal complaint on loan servicer, Navient. This complaint is based on Navients inability to provide me with correct information with my student loan and the lack of customer service that I received via phone. This complaint could be divided into the following topics : Consistency, Disclosing Information, and Customer Service. This complaint reflects Navients negligence in providing me with adequate loan servicing which could be looked as unfair and deceptive. Consistency : Over the course of three months, I have been told inconsistent and wrong information in regards to my repayment options. The first time I called Navient, the representative stated that I was ineligible to consolidate my loan or apply for any loan forgiveness plans based on the amount of my income. The representative also told me that the loan could not be refinanced being that the loan is a federal loan. I later researched and found out this was untrue. The second time I called, the representative told me that I actually could consolidate my loan and that once she entered in my information ( income of $ XXXX/year and a family of XXXX ), she then told me that I would be qualified for loan forgiveness this year and that my monthly payment amount would be {$0.00}. She instructed me to complete an application from U.S Department of Education to finalize the process. A couple of weeks after I completed the application, I received a notification that my monthly payments would be {$220.00} for twelve months. After receiving the email notification, I called Navient and was told that the previous reps have told me the wrong information and that I am on the lowest payment plan. Due to Navients pattern of providing me inconsistent and wrong information, I have lost trust with the company. Disclosing Information : I have asked over 3 Navient representatives for an amortization schedule. All of the reps have informed me that the company does not provide amortizations schedules. I have also ask a manager to send me information in regards to how much of my loan will be forgiven based off my loan consolidation. I have yet to receive any information. As a consumer understanding how each payment is allocated is important to me. I am unknowledgeable of how my payments are truly allocated due to Navients inability to provide me with my loan information Customer Service : Due to the lack of knowledge from the representatives from Navients call center, most of my calls have been escalated to upper management. I have been told from 2 managers that I would have my account reviewed and that I would be receiving a follow-up call. I have never received a call back from anyone from Navient. As a consumer, I highly dissatisfied with the service that I have received from Navient. I am asking that my account be investigated and reviewed as soon as possible. Sincerely, XXXX XXXX
1. My name is XXXX XXXX, and I have asked my wife to cancel this account with XXXX on my behalf on due to my work schedule. However, XXXX refused to do so. XXXXs excuse has been that my wifes name is not on the bill and yet my wife does not have this issue with many of our vendors including doctors offices. 
2. We have moved out of this address back on at XX/XX/XXXX, and we had agreed to pay to pay to the end of the month although we have not technically lived there, and we had asked the landlord on many occasions to call or have the new tenants to change the bill to their new name.

3. Again I want to make it clear that my wife tried many times on my behalf to cancel the bill and XXXX   thru their ignorance and stubbornness refused to cancel the service. Although she had provided them with the landlords and the property owners email, address refused to either contact to verify the information, call him and just let the bill escalate. 
Email Contact on XX/XX/XXXX ( no more phone Calls ) XXXX completely disregarded the email with all the contact information and informed us again about all the late fees at this point we have no choice but forward this to https : //portal.consumerfinance.gov/consumer For example, XXXX XXXX XXXX completely ignored my wifes email on XX/XX/XXXX to try and resolve the issue where she has given you the current contact information this leaves me no choice but to contact the government Consumer Finance Protection Bureau Watch Dog and have them sort this out! 

Honestly, I do not understand you are only garbage pick up company she is my wife she handles all our house bills! Whether I call, or she calls it is the same. I know that she has called back in XX/XX/XXXXand made sure that the invoice has been paid to XX/XX/XXXX because my wife was told that all invoices have to pay until the end of the month and yet they will not cancel the service although I asked my wife to do so for me. 

this is what has transpired on XX/XX/XXXX where I actually have a written record that XXXX   completely disregards a written contact instructions and ads fees fees again XXXX XXXX XXXX XX/XX/XXXX to me, XXXX  This balance 90 days past due it is the balance that was owed for the month of XX/XX/XXXX of {$29.00} plus now {$15.00} in late fees which now makes the total balance {$44.00} owed by a XXXX XXXX. 



From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX ; XXXX XXXX Subject : acct.XXXX invoice XXXX XXXX We paid our Part XXXX : please have your tenants pay bill or this may be yours to pay we paid our part please note that we have moved out XX/XX/XXXX we are no longer live at the address. All fees and amounts that were due by XXXX and XXXX XXXX up to XX/XX/XXXX were paid in Full Please contact the current landlord for this bill his name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX you should send your current bill new tenants and find out from landlord exact move-in date contact for landlord : XXXX I do not have fax number for invoice The phone number for Local office XXXX I was on hold for 30 min can not hold any longer
XXXX XXXX is reporting wrong information on my credit report.

XXXX and XXXX  and Eqifax have two different open date when the account begin.

How can one account open on two different day.
My problem is actually 2 fold, it involves a mortgage with Citibank, and Title to a property, actually 2 separate properties, in XX/XX/XXXX I mortgaged a home, there was lien that was not picked up, I later did a heloc, again lien was not picked up, ..foreclosure started with citibank 3 years ago, and still going on. when I found out about the lien, that was 3 years ago when the foreclosure started. I had asked Citi on several occasions, that I needed the copy of title and the closing docs ... at that time I also wanted to have his supervisor involved, in this, as I knew it was going to take many brains to wade through this mess. Finally in XX/XX/XXXX I found out who the title company was and I also found out that title include 2 homes not just one ... .so now, we have citi loaned monies on a title that was not correct and that had a lien on it ... .I contacted the title company explained the problem, was assured it would be taken care of ... .as XX/XX/XXXX nothing has been done, by XXXX dropping the ball, I now have legal actions against me, due to title not being correct, XXXX has not been in communications with me, and Citibank has made a mess, and the foreclosure is still going on ... and it involves people who should not in included in the foreclosure. So due to the incompetence of 2 companies, and their employees, there is such a mess and no one is stepping up to the plate to get it done and corrected ... .Citibank was made aware, 3 years ago, that there might be a problem with the title, and was told to make sure that title was correct ... as I explained, when I sold a home, I got a call from the title company for the buyer, they told me that Citi had a lien, I explained that the lien belonged to the other home, across the drive way, called the loan servicing dept at Citi to tell them there was a problem with title, got hung up on 5 times, called the loan officer, got a rep from Citi to call me, explained what was going on, got a call from the buyers title company, was told, it was all taken care of ... buyer closed, come to find out in XX/XX/XXXX when served with foreclosure papers ... title was not taken care of, he closed, have no clue how that happened, lien was never picked up ... .and we now have a mess that XXXX needs to fix, and Citi needs to fix, neither company wants to do their job
We sent a payment to the wrong vendor {$2600.00} Dated XXXX/XXXX/2015 Check # XXXXBank of AmericaXXXX XXXX XXXX Tx XXXXBank of America did cash the check on XXXX/XXXX/2015. After contacting Bank of America they promised to look into and do all they could to refund us our money. After numerous attempt they would not follow up with us and would not refund us our money.
I have nothing in collections. XXXX is not in collections. XXXX and XXXX need to update my credt report immediately. 

My balance with Capital One is {$300.00} less then the aount on y report. 

XXXX XXXX should take off 1 late pmt. I spoke eith them at length before the late pmt. I am on timevwith pmts.