WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   , 2017,   I  contacted the   XXXX   XXXX   XXXX  . It was explained to me that my employer met the criteria for me to have my student loans forgiven after 10 years of on time payments. I scheduled to have the  XXXX  time  XXXX  $ fee broken up into different installments, and anticipated  XXXX  $ a month payments for 10 years, based upon my income. Unbeknownst to me o n  XX/XX/XXXX  I  was alerted via e-mail that I had to fill out an 'Employment Verification Form '. I had my employer fill it out and fax it TWICE, only to have Fedloan servicing or "   XXXX   XXXX   XXXX   '' as they also go by, tell me they should scan it and send it in an email. It was around this time that my lender,  XXXX  contacted me and let me know that in   XX/XX/XXXX  I   w ould have a payment come due with them. This was very peculiar and I started to think I had fallen victim to a scam. Why would I pay both them and  XXXX ? I asked. With no good answer I confronted the billing department and I told them that I did not think this was legitimate and they said if I did n't pay like I said, that they would report negative on my credit report. I will be reporting FedLoan servicing to the Better Business Bureau as well. Also I would like to note that  XXXX  had this company 's, ( Fedloan exchange ), California address on my student loan account along with my Idaho address. I never signed the 'Certification of Identity & Authentication to Disclose Personal Information '' Form, so Navient should not have any of FedLoan 's contact information. Also I received a letter that my employer was not eligible for the 10 year forgiveness program, which was the entire reason that I signed up. I managed to only pay  XXXX  $ before I realized the scam, and that has been recovered due to filing a claim with  my Credit Union.
I retrospectively know now that XX/XX/XXXX XXXX XXXX sold roughly {$1200.00} worth of my student loan debt to Navient that I was paying off well in advance of what was due. XX/XX/XXXX, I made what I thought was my final payment to XXXX XXXX and to pay off in full, my student loans. XX/XX/XXXX I had my first communication with Navient in the form of letting me know I owed over {$2200.00} on the loan they bought from XXXX XXXX XX/XX/XXXX. Over a {$1000.00} in interest was charged to me in a deceptive manner. Now Navient wants {$250.00} a month the settle the deceptive loan.
In accordance with FCRA 605B, I requested a block of information on my Experian, XXXX, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( previously determined to be fraud in XXXX XXXX XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX XXXX, XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
I have tried to dispute this unverified account with XXXX XXXX XXXX. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.
this items was not properly validated as accurate and i recieved a letter stating that this item from XXXX county clerk has been deleted from my file on the XXXX of XXXX and i was mail a letter in regards to this inaccurrate information but when i pulled my credit file on the XXXX XXXX it is still there i need the inacurrate information off of my credit file something needs to be done with these credit agencies
In approximately XXXX, I consolidated my federal school loans with my loan provider, American Education Services ( AES ). In XXXX, the public service forgiveness act was passed, which forgives the balance of your school loans after 10 years of public service. In XXXX, I called AES to inquire what I needed to do to be eligible and if I needed to reconsolidate my loans. I was informed that I could only reconsolidate once, and that I was already eligible because my loans had been consolidated. I was further advised that in XXXX XXXX, after I have filled out the required paperwork, I would be eligible to have the balance of my school loans forgiven. From XXXX through the present, I have worked for the government. In XXXX, I changed jobs from XXXX to XXXX At that time, I followed the instructions from the AES representative and submitted my paperwork for this employer. I currently work for the XXXX. Recently, I submitted my paperwork from this employer to continue my eligibility. However, I was recently advised by AES that I was no longer eligible for public service forgiveness because my loans were not consolidated as " direct '' loans. After hours and hours of trying to resolve this situation with AES and explaining that I had been told in XXXX that I was eligible and that no one had told me otherwise, knowing that I worked for the government and was submitting paperwork for the program, A supervisor told me, " Look, AES is a business. We are not out to look for your best interests. We look out for our client 's interest, and they are about making money. We are not going to assist someone in taking money away from our clients. It was up to you to determine if you were eligible. '' I was further told that " At the time I called in XXXX, the program was new, and the representative gave me the wrong information. '' I think this is completely unacceptable. AES knows that I have worked for the government for almost 15 years because that information is on file. They also know that they were likely providing the wrong information to their customers. There should be some sort of remedy for their deceitfulness. Can you please help me?
Equifax is showing negative information that is over 7 years old on my credit report for XXXX accounts. 
1 ) XXXX loan # XXXX shows late payments starting XX/XX/2010 that are over 7 years old. All negative notations should be removed. 

2 ) XXXX loan # XXXX shows under " Type '' 90 Day Late Payment. This is over 7 years old and detail has already been removed. The entire account should be deleted.
On XX/XX/2018 at XXXX I received an email stating that my Bank of America ( BOA ) online banking ID was looked up. At the time I was watching a movie with friends,. At XXXX I received an email that my password was changed. At XXXX XXXX my banking ID was used to sign into XXXX ( I had no idea about XXXX prior to this event ). At XXXX XXXX was added as an option for future deposits from my checking account. At XXXX XXXX , XXXX  was added as a possible recipient. At XXXX money was sent to XXXX , XXXX . At XXXX XXXX money was sent to XXXX, XXXX. At XXXX XXXX money was sent to XXXX, XXXX. Around XXXX I received, what was apparently a fraudulent call from Bank of America , ( same number as BOA - I looked it up because they called multiple times ) and they informed me that they suspected fraudulent activity on my account. I provided them with no information over the phone, they told me my email, House address, and phone number and then informed me that they needed to do one last thing to verify that I was who I say I am. They sent me three verification codes via text message, told me I should freeze my accounts and close my card and they would transfer me. The call was disconnect and I called Bank of America back and they informed me that someone had talked to me from Bank of America today but no information was documented. It wasnt until they asked me to verify who I was through text that they realized that I had been a part of a fraudulent case. Lastly, the verification code from the real BOA was in the same text as the impersonator.
The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling me.
Satisfied Judgment that has been on my credit report that was satisfied in XXXX 2013 - LVNV Funding still says judgment wherein I have a copy of the Warrant to Satisfy Judgment which was filed with the Court after the I paid the settlement!!!!
I submitted a request for a Security Freeze because I am a victim of identity theft. I have sent the request twice and they have continued to reject my request and not protect my credit althought I sent police report, drivers license, ss card and proof of address. I sent certified on XXXX XXXX XXXX and XXXX XXXX XXXX. I sent for my wife XXXX also. XXXX have not been responded to. They signed for XXXX letters
Credit bureau was contacted due to unauthorized inquiries placed on credit bureau. I have been a victim of fraud and it is noted with the bureaus. I was not contacted as instructed in the report data base by any organization. As followed XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX
Portfolio Recovery is stating I owe a debt of {$3700.00}. I do not have a signed contract with this company nor have I ever done business with them. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery
I recent had my credit pulled and was alarm about a target card that appear on my credit report that I have no knowledge of.
I called GreenLink Financial regarding a Flexible Personal Loan offer I received in the mail at XXXX. I was told I had conditional approval and that they need it to go over some information. I was transferred to the person named XXXX. He took my personal information and said that they will do soft credit check and will call me with approval in an hour. He asked for last 4 digits of my SS #. The call back never happened. XXXX gave me his direct number and told me he will call me within the hour. I was asked if I give him an approval to for a soft credit check. I tried to call back at his direct phone number at ( XXXX ) XXXX but the phone doesn't work. I also called the general number from the offer I received and I was unable to connect with anybody. I placed fraud check on my credit reports and locked the reports since then. I am concerned about being a victim ID theft and financial fraud. 
This appears to be a scam and fraud. 
The phone call took place on XX/XX/19 at XXXX EST.
Theres a car loan on my credit that I never signed an agreement with, from 2013. Im not sure who the company is.
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX Closed : XX/XX/XXXX {$3900.00}, XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX
Navient is calling my present and former place of work in regards to m debt. When i asked the representative what was discussed with my former and present employer she would n't go in to details about it just that they are verifying information. However, that is not the case. She threatened to hang up on me. Navient is calling obsessively 5 or more times a day. It 's harassment!! 



Navient representative below ( called occurred XX/XX/XXXX, at or around XXXX ) XXXX XXXX XXXX XXXX XXXX
TransUnion tricked me into purchasing a monthly credit reporting subscription. Upon going to their website, TransUnion automatically directs you to a site that is marketing their monthly subscription. I know I am not the first consumer to complain about this. The only thing that is advertised on the page is " Get Your Credit Score. '' Written in tiny print at the very bottom ( WHERE YOU MUST SCROLL DOWN TO SEE ) is that it will charge XXXX per month. The problem I have with this is that it is the only place in the whole process that says you will be charged. Later on, in the process of getting your score, it says " Please Provide a credit card that is linked to your score, '' with the intent that they need a score to verify that my credit score actually belongs to me. Unbeknownst, they charged me for a monthly subscription. TransUnion is one of 3 free credit reports, and it is absolute XXXX that they are tricking customers into paying for a free score. After reading up, I realized that TransUnion has been caught conducting shady acts likes this before. If TransUnion does not reimburse the full amount, I will file a dispute with my credit card company. XX/XX/XXXX18.
I have a Tax Lien on my credit report that should n't be on there. Docket # XXXX
On XX/XX/2018 Regions Bank paid an {$1800.00} check written on another persons checking account from mine. I discovered this on XX/XX/XXXX and called the bank. I was told that I would have to visit the branch in order to resolve the matter. I did that the following day ( XX/XX/18 ), filed a formal complaint, and was told that I should here from someone in a few days. As of today, I have heard nothing back. However, the funds were put back into my account by the next day. Fortunately, I had deposited money in my account just days prior that allowed the matter not to cause me a catastrophe. 
Not only was the account number on the check not mine nor was the routing number even similar. Not to mention the differences in the account holder ( s ) names and address. Even different states.

Had this happened to my mother or sister it would have destroyed them. Neither of them have internet, meaning no PC banking, so they would not have even known until receiving their bank statement in the mail. Additionally, my sister does not drive and has medical issues so having to attend a branch would have been very difficult for her.

If this has happened to me, I am willing to bet the same has happened to other customers. This could cause so very many issues, including very long lasting negative effects to a credit report. For anyone that has had incorrect or fraudulent information on their credit report knows how very difficult and time consuming it is to correct.

I am attaching a copy of the other persons check and the Regions complaint ( to which I have still heard nothing. Not even a phone call to say they are investigating and will get back to me ). 

Because I have a copy of the check that is included with my online account I also have that customers address, phone number, and checking account number. Thank goodness I am not the type person to steal from another.
Debt owed to  XXXX   XXXX   XXXX   XXXX  for {$120.00} was paid to  XXXX   XXXX   XXXX  on  4/04/17.  Received letter from  Southwest Credit d ated  4/06/17 for same account. Faxed payment information to Southwest Credit on 4/18/17. Received letter from Sou  thwest Credit  dated  4/25/17 stating they had received our dispute but we still owed the balance. Received phone call from Southwes  t Credit on 5/03/17 and was told they would continue collection action on this account.
Had a personal hardship. Kept roundpoint mortgage company informed. Started foreclosure before 150 days. Refused to accept payments despite multiple attempts. Would only accept reinstatement. Refused double payments. Would only accept wired money. Added their attorney fees to reinstatement.
I am submitting this complaint against XXXX. I have disputed several collection accounts in my credit file and I requested a debt validation other than a balance and a computer print out and XXXX has failed to submit the information.
Purchased furniture from XXXX XXXX XXXX with XXXX months same as cash financing. Payments were being made to XXXX. After a few months went online to make payment and the site would not take the payment. Tried again a few days later. Then called the store and was told that XXXX had sold the account to GE. The merchant nor XXXX nor GE had told us that. We called GE and a gentleman told us that {$100.00} would pay the account in full. We sent the payment in. Since then we 've continued to receive collection notices from XXXX collection agency after another. We talked with GE XXXX times and they would do nothing. We had talked with their employee by phone and had nothing in writing. Now we are receiving collection letters from another collection agency for a lone that we paid in full per the terms. GE is wanting interest and other charges for an account that was paid in full within the time frame of the agreement.
I called XXXX to dispute inquiries that are showing on my report. they are wrong. agent at XXXX told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX
On XX/XX/XXXX and XX/XX/XXXX I disputed 2 accounts with equifax which I have no knowledge of and the dispute came back expired as the creditor never responded but the collections are still on my credit report
I have federal student loans with FedLoan Servicing, and I am participating in PSLF. 

In XXXX XXXX I logged on to XXXX and saw I had 11 qualifying payments for two of my loans, and 7 qualifying payments for six of my loans. 

In XXXX XXXX I filed another XXXX. It took them six weeks to process the XXXX. 

In XXXX XXXX I logged onto XXXX and saw the XXXX had been applied to two of my loans ; but now I had LESS qualifying payments for six of my loans - I only had 6 qualifying payments for six of my loans instead of seven ( please see attached two documents ). I spoke with a manager at XXXX who would not give me any reason for the deduction in qualifying payments ; even though I have continued to work full time for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to make my payments, and filed a new XXXX.
XXXX letters to Experian have failed to get achieve any response other than " We received a suspicious request re your credit report ... ... and will not be initiating any disputes based on the correspondence. '' A further request from me to correct false data on the report has not been acknowledged for over XXXX months.
Two Issues : ( 1 ) InXX/XX/XXXXI had to take out a private loan from Access Group for {$29000.00} due to an erroneous collection disqualifying me for federal loans. After the collection was removed a year later I was able to get federal loans to finish my education. In XX/XX/XXXX I found myself in a financial hardship and was unable to pay. The feds were willing to work with me but not Access Group. I defaulted on the loan, but I do not know for how much, who legitimately owns the loan or any verification. Attached are documents showing that the loan amount is different between collection agencies and the credit reports, and there are multiple collection agencies. One document on my credit report shows that it was discharged in my bankruptcy in XX/XX/XXXX.

( 2 ) When recently checking my credit I perused each account and noticed that Access Group is reporting on XXXX XXXX  several accounts as open with balances reflecting more than the original amount, but that " payment deferred. '' The sum of these accounts is roughly {$90000.00}. Checking all my federal loans through the NSLDS ( attached ) I was able to see the loans that Access Group is reporting. These are federal ( FFEL Plus Graduate ) loans, not private with Access Group. They are also paid with a XXXX   balance as all were consolidated into a Direct loan. So, these loans are essentially being reported twice, but that when a potential creditor checks my credit it shows {$90000.00} of open balances.
Applied for an installment loan to purchase a new XXXX and was denied because I 've filed for bankruptcy 3-1/2 years ago. 
I 'm NOT able to file for another bankruptcy until 2020, so where is the risk on a 2 year loan..? 
I 'm sick and tired of being treated like a criminal or delinquent. 
The bankruptcy law is there for those like myself that due to an economic downturn ( for which we were NOT responsible ) did fall behind on our dues. 
There are individuals, using corporations, that make a living ( and fortunes ) using the same law. 
My credit score is now up to almost XXXX points. 
Is this a case of blatant discrimination..?? 
Financial institutions like Citizens One do not deserve to be part of our community.
I went into PNC today to cash a check that was drawn on their bank. They did not make all of it available, when I specifically told them to cash it and deposit it into my account!   This is t he 3rd complaint  against them in 3 days!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   I need that money in my account NOW. It was a check for {$2500.00}, I received {$2200.00} back in cash, and the remaining {$300.00} should have been available now, and it isnt. I tried to call their corporate office, and no one is available ( as usual!! ) to speak to me about this, they absolutely refuse to make that {$300.00} available now!! They should be fined, big time.   And their website is not working to access my account either!!  Ther  is no note on their website that it is out of order. FINE PNC!!