WillisBack/dataset-financial-user-claim huggingface dataset:
PURSUANT TO THE FDCPA, THIS COMPANY CONTINUES TO VIOLATE FEDERAL LAW AND MY RIGHTS -- -OVER DEBT DISCHARGED THROUGH CHAPTER XXXX BK.
Navient is reporting on all XXXX of my credit reports as several times for different accounts under different options. Some are in good standing while other are not. I suppose to be under IBR and at the moment have a zero balance. It is really putting a negative on my report and scores
AFTER COMPLETED MODIFY TRAIL LOAN,  AYMENTS IN FULL WITH OUT NO MISS. 
PAYMENTS. {$2500.00} THEN 2 MONTHS LATER XXXX XXXX XXXX SAID MODIFY LOAN IS DENIED.. AFTER TAKEN MY PAYMENTS.AUCTION MY HOME ON XX/XX/XXXX TO ASAANJI -MUHAMMAD XXXX, XXXX GA.WHOM WAS ALSO XXXX PROPERTY..SEE XXXX COUNTY COURT RECORDS TO PUBLIC . OCWEN ATTONEY SAID THEY HAD SOLD THE HOME. FORCE TO MOVE OUT.. 

NEW OWNER A SAID THEYPAID $ XXXX NEW OWNER-XXXX   REALTOR .CAME BY THE HOME AT XXXX XXXX XXXX XXXX XXXX. PER NEW OWNER IN XX/XX/XXXX BY HOME. OWNER GAVE ME 40 DAYS TO MOVE. I NEEDED MORE TIME BECAUSE OF DISABLITY PERSON IN HOME. 
AND IM OVER XXXX OLD..SUCH SCAM IN XXXX XXXX GA I HAD TO GET ATTORNEY TO STOP DISP0SSESSOR OR EDVICTIONS. XX/XX/XXXX XXXX XXXX AFTER XXXX NON-CONTACT..TO ME. XXXX SOLD XXXX XXXX XXXX TO XXXX WHICH CLOSED ON HOME XX/XX/XXXX SO I HIRE ATTORNEY WHOM INFORM THEM OF WRONGFUL FORCLOSE AND TO FIX THE PROBLEM XXXX HAD.AGREED AFTER PAYING $ $ $ .PAID OCWEN $ $ .. TOO... 

LATER XX/XX/XXXX I FILE COMPLAINT WITH MY XXXX DISTRICT CONGRESSMAN XXXX XXXX XXXX. WHOM A XXXX XXXX, HAS CONTACTED OWCEN REQUESTING PAYMENT HISTORY..MISAPPLIED NON-RESPONSES BY OCWEN. 
LAST WEEK XXXX XXXX EMAIL SAID HE WOULD ALSO WORK ON THIS.HE WOULD HELP..FILL FREE TO CONTACT HIM FIRST HOME BUYING. XXXX XXXX XXXX. XXXX.THOUGH XXXX.THEN XXXX XXXX, XXXX. XXXX OCWEN. XX/XX/XXXX
I sent dispute letters via mail in online to Equifax XXXX and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the Equifax data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX
My mother became very ill and got behind on mortgage payments. Up until that time she was never late. My mother has since passed away. The deed is in my name, and the mortgage in the Estate of my mother. I was paying mortgage payments after my mother passed away to XXXX XXXX XXXX. I was in the middle of an assumption and a modification, With XXXX XXXX, when they sold the loan to Rushmore Loan Management, who said that they do not do modifications or assumptions. Rushmore stopped taking my payments, and now the property is in foreclosure with a sale date of XXXX XXXX, 2016. I can not lose this property as it is a family home. They are unwilling to work with me. I make the money to make payments. I just need them to be willing to work with me and finish what XXXX XXXX started.
I requested Wells Fargo & Company cease sending me unsolicited marketing and account messages after my account was closed nearly XXXX years ago. Wells Fargo & Company acknowledged these requests and stated that I would no longer receive such emails. 

However, Wells Fargo & Company continues to send me unsolicited mails in violations of California Law and Federal Law.
I have applied for a prequalify credit card with chase bank and it said it wouldnt put a hard inquiry on my credit report an they did! And they put 4 hard inquiry on my credit. Once is in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is redicules XXXX XXXX said I could see if I pre qualify and said it wouldnt hurt my score an it made an hard inquiry!! I need this taken off immediately!! I wanted to improve my credit score not harm it! Im a collage student! And I will like a response back or a call back XXXX. Thanks
I simply want to report that if you try to contact Experian by phone, ( XXXX ). They initially ask you to enter your Social Security number by automated service. When you attempt to do so by entering it on your phone, they respond, " I'm sorry, I didn't get that ''. If you repeat, you get the same response. I called back and verbally gave my SS # and they took it, but when they asked the second question, I got the same response and the call ends. I actually tried one more time. This time they took my verbal SS #, but when I tried to answer their second question, they gave the same " didn't get that '' response and ended the call.
XXXX XXXX, Equifax and are not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Back XXXX i sent out a letter concerning payments with this mortgage company and they sent me out a letter stating that due to the hurricane Erma that they would revise XXXX, XXXX, and XX/XX/XXXX and it is still reporting inaccurately on my credit report and I would like it to be adjusted on all three bureaus letter in attachments. Also I sent out a letter stating due to family crisis financial burden that I needed 3 payments prior in XXXX and XXXX to be modified and supporting documents and dates are listed in attachments as well. I was told any letters or concerns with payments should be sent to XXXX and I have done so with no responses or feedback on emails.
Our completely legitmate company followed all correct procedures to open am institutional account with Coinbase. 
They rejected our application. During the review we transfered XXXX XXXX into the account as there is no reason that we expected to be denied. 
Since then they have refused to send the funds back to the XXXX address from which they were originally sent with no timeline for resolution. 
We hve submitted support tickets, called over 20 times, been hung up on, spoken to managers, etc.
I was in default with my student loans and Navient contacted me in regards to them and I started the repayment plan to get me out of forebearance. But, they knew I worked at XXXX because my check was garnished for awhile and never told me of the Public service loan forgiveness program which I was eligible for. That was over 3 years ago and I would of made sure i kept up with my loans while in XXXX College. I saw the lawsuit against Navient and wanted to make sure I was part of this as well. Please let me know what else I can do.
There is a current bill for XXXX XXXX for a visit on XX/XX/2017. XXXX had active insurance through XXXX at this time so I'm unsure as to why I am receiving a bill for these services and furthermore why the bill was added to my credit report as a collection account. I've reached out several times to have this investigated and there is no outcome.
I had XXXX ( XXXX ) credit cards with HSBC Bank USA that accumulate points for every dollar I spend with my credit cards. The points that I earn accumulate in my account until i used it for purchase of airline ticket or other goods and merchandise, base on the terms and agreement with the credit card company my points never get expired. I currently have XXXX points XXXX card and XXXX on the XXXX card. I received a letter in the mail one day to my surprise the bank close my account and cancel my credit cards. When I call the bank to inquire what the problem was I was told that my business was not profitable since I am a very good customer and I always pay my balance in full the bank is not making money from my business, when I inquire about my points the are saying I lost the points because my account was closed. I am writing to you to help me regain my points since the bank choose to close my account without my consent and did not give me the opportunity to redeem my points which worth a lot to me.
Lexis Nexis has failed to provide me an updated result of my recent dispute investigation a month ago. I have disputed several inaccuracies without any updated reports mailed back to me in the allow time under the FCRA.
I received a final bill from XXXX XXXX that was not correct. I disputed the charges and after almost 2 weeks of email correspondences with their collections manager, I finally received notification from their accounting department stating that they found their error and they would be sending a refund check on XXXX/XXXX/15. Included in this email was a notice from the accountant to the collection manager to remove my name from their collection agency. On Friday, XXXX XXXX I received a phone call from the National Credit Audit Corporation threatening to report my disputed balance if full payment was n't received by XXXX/XXXX/15. I tried to explain the situation and that I had an email confirming that this had been resolved to which he responded that unless he received something directly from XXXX XXXX he would pursue collections. XXXX properties collections department, who I was directly reporting to, is closed on Fridays so I emailed them explaining the situation and then have tried to call them repeatedly on Monday XXXX XXXX XXXX and Tuesday ( XXXX ) and can not get a response even after leaving multiple messages to multiple staff. When I could n't get a hold of XXXX XXXX, I contacted the collection agency to update them on my actions and at that time the representative working my account implied that I was being untruthful and again threatened to pursue collection if I did n't pay the account balance immediately. I feel that this has been turned over to collection in error. My final bill from XXXX XXXX that I was originally disputing was n't due until XXXX/XXXX/15 so even if I did n't have an email from them telling me that they found their error, I still would n't be delinquent to the point of being turned over for collection and having it reported to the credit bureau. As of this date, I have not received any mail correspondence from the collection agency which I feel does n't qualify as proper notification of a debt due. If XXXX XXXX would respond to my emails and numerous phone messages I feel this would be resolved quickly and easily by a call to the collection agency informing them that I have a zero balance due.
I am a victim of hurricane XXXX and was offered to place my morgage payment on hold till XXXX XXXX with no penalty under the civil relief act. I made a agreement with carrington morgage to pay back by XXXX XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over carrigton website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report
I have a XXXX 's XXXX card thru synchrony bank. I paid off the account 26 % interest with checks I receive from another account. XXXX XXXX had closed that account 3 months prior ) my thinking was they were reopening the account due to the fact they sent checks. They did not pay so my XXXX 's account was pass due {$35.00} now due XXXX. I had never been late and always paid more than was due. Then the phone calls started from some overseas XXXX people I could barley understand. They call day and night from XXXX to XXXX pm ever XXXX to XXXX minutes. I have paid their {$35.00} and BEGGED them to stop calling but they still call. I am a senior with severe XXXX XXXX. I have called Synchrony bank and told them all will be paid on the due date like my statement says but they said NO I will continue to get daily calls that is their practice Is their anyone out there that can stop this company!!!.
Receivables performance is posting a collection account on my credit for {$87.00} - the original creditor was XXXX - the issue is that I moved, and XXXX installed services at my new residence, but was unable to provide continuous services at that address, the service was spotty and intermittent at best - I called them to cancel services, because they were not able to hold up their end of our contract, and they terminated service, they came out and picked up the receiver boxes etc ... I am not liable for this XXXX, as I was not the one who initiated the termination of contract, the company XXXX was unable to provide services at my residence, therefore they were unable to hold up their end of our contract.
The service representative was harsh and not listening to my questions. Attempting to collect on a debt I thought was in a grace period because I had just finished school in XXXX and it is only XXXX. Why would know one contact me prior to this? I let her know I could n't afford the XXXX a month and I needed to lower my payments. They were aggressive and unwilling to hear it. I fully intend on paying my loans just needs to be something I can afford monthly as to not overextend myself. Hate that my loans even ended up with Navient.
I have disputed the late payment on this XXXX XXXXXXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
My husband and I refinanced in XXXX ( two weeks outside of HARP eligibility ) with Santander ( formerly Sovereign Bank ). In XXXX, my husband and I divorced, requiring me to refinance alone, in order to remain in my home. The lender refused to consider the combination of my XXXX income and private XXXX income, and required me to add my elderly retired father as a co-signee/guarantor, as a condition of refinancing, both in XXXX and again in XXXX, when the loan was refinanced to a lower interest rate. After reading CFPB Bulletin 2014-03, I believe this action violated the law, because my XXXX income and excellent credit should have been ( and continues to be ) sufficient to refinance the 30 year fixed rate loans.
I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED   1 )    XXXX   XXXX -17  XXXX -17  XXXX   XXXX  17   XXXX   XXXX -17  XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX -17  XXXX   XXXX -17  XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
These inquiries I did n't authorize. I have attached two emails and text proving I did n't authorize the inquiries. 

The following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016
I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on Equifax ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Debt is XXXX reverse mortgage. Debt not owed until both my wife and I die. Still we are receiving collection letters. Requests to stop are unsuccessful.
American Cordius International LLC claims I owe XXXX to XXXX, this account was closed with numerous overdraft fees charged which are in dispute, XXXX would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused XXXX account to become overdrawn and fees charged. Stop payment is not my error, however, XXXX refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXXXXXX XXXX to XXXX. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears XXXX did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, American Cordius International needs to remove account from collections as well as any credit reporting agency.
I have a bill on collections that was paid on time on my credit report saying un paid. Balance is XXXX for the XXXX. 
Talked to a guy their and he does not know why it is showing. 

Also did not give outlet rental car permission to obtain my credit
a tax lien was issued for property not located in XXXX county. The personal watercraft was purchased in XXXX, bout subsequently transported to XXXX. it was not stored or used in XXXX county, XXXX. tax lien was vacated immediately vbut the lien release continues to reside on my credit report. 

lien release was based upon incorrect information, e.g a Tax Notice on property outyside the county of XXXX. Lien on out of state property was void, Because no lien was perfected on personal pro recordation of ; Lien Release should not be reported to credit bureau and allowed to diminish credit score as if valid. 

LIEN WAS PAID UNDER PROTEST TO AVOID THIS OUTCOME.
I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount.
One Main Financial in XXXX, Ohio falsely wrote the value of my home at {$37000.00}. When I said NO, that 's incorrect, he was dishonest and said he got it from the County Auditor 's site. 

The value of my home is {$56000.00} on the County Auditor 's site and the attached land is {$4000.00} for a total of {$60000.00}. NOT {$37000.00}! That 's a difference of {$23000.00}! 

This was done purposely! I was not feeling well at all that day and did NOT realize it had n't been changed to the CORRECT value as I had asked that it be. 

I am on XXXX ... XXXX. 

This is yet ONE MORE WAY that people with XXXX and usually with low incomes are taken advantage of! 
It needs to STOP. I had an average credit score, not a poor one, and equity in my home.
I received a credit alert regarding a collection from first credit services, this company me one day and i informed then this debt was not mine and they need to contact the gym for more information, i never received a debt validation letter or itemized statement with amount of charges.
Firstly, to the CFPB, this is not a duplicate. Listen, Resurgent Capital Services L.P. has an OBLIGATION under the law to me as a consumer to provide me with what I requested. This company is now stating that they will not investigate again, which they ARE NOT supposed to do. They HAVE NOT provided me what I have requested. They are claiming that my CLAIMS have been " substantially the same '' when I have HAD to repeat myself because they keep coming back with a lack of proof, validating and verifying the account on my credit reports! You all ONCE AGAIN sent me an attachment with bills and statements, which are NOT viable proof of an account 's validity under the FCRA! The addresses are even different on the BILLS and STATEMENTS. Verify that that address has ever been mine. They've not even provided proof of THAT. My credit reports are at stake here -- NOT theirs -- and I will sue for damages if they keep this up because they are NOT supposed to report accounts that do not have original, signed consumer contracts on file! In addition to this complaint now is their refusal to cooperate and give me due process while I have been doing my due diligence for over 7 months! The next step is litigation.
I received a bill from Citi XXXX XXXX showing a charge for new purchases in the amount of {$870.00}. As I use this card for my solar billing and my automobile insurance only, I could n't understand why it was so high. I also noticed that I was being charged interest in the sum of {$7.00} I immediately called Citi Simplicity and asked why my bill was so high and why was I being charged interest. I was told that I did n't pay my XXXX bill. I explained that the only reason I would't have paid my bill was if I did n't receive it. I told them they could and should check my history and they would see that I paid all my bills on time and in full. They did that and said they would credit back the interest as they saw that I did pay my bills on time and in full. I then paid the XXXX bill in the full amount of {$870.00} which was received on XXXX/XXXX/16. I have now received my XXXX bill and not only have I been charged interest on XXXX/XXXX/16 but my purchases total {$460.00} and it shows the New Balance as {$460.00}. I called and spoke with XXXX in Florida to see why I was being charged interest and why they added {$.00} to my bill. XXXX said that they charge 2 months interest, 1 month when they did n't receive payment and a second months for the carry over. I attempted to explain to XXXX that I should n't be charged interest as I should n't have been charged interest in the first place as I never received the bill. When I could n't get through to him, I requested to speak with a Supervisor. He told me that there were none available. He would fill out a form to have a Supervisor call me back but I have yet to hear from anyone. However he never attempted to explain why they were charging me an additional {$.00}. Maybe I 'm wrong but adding {$.00} to my bill would seem illegal or fraudulent to me.