WillisBack/dataset-financial-user-claim huggingface dataset:
In the XX/XX/XXXX - XX/XX/XXXX school year, I was currently enrolled more than half-time in an educational program, during this same time frame Navient reported all of my current loans as in default despite my student status ( and having mailed documentation to the loan servicer to provide documentation ). Navient incorrectly reported more than 27 late payments demonstrating an extraordinary intent to induce harm on my consumer file. This has caused a tremendous amount of XXXX. It is my intent to file suit against Navient for these violations.
I received a letter for Wilber & Associates on XXXX XXXX asking me to pay {$540.00} for an accident that they say happened when a person I have never heard of crashed my car. My car has never been in an accident. They have called and harassed me on the phone, asking me for information but not providing me with any information. They sent me a letter on XXXX XXXX threatening to suspend my license. This company is disgusting and I want them to be stopped. This is a scam and I ca n't believe these people are not in jail.
I pulled my credit report and XXXX XXXX XXXX are on it. I have never received any correspondence from their office asking me about this alleged debt. I have never done business with this law office. I did not have the opportunity to dispute this matter as required by law. I am trying to buy a house and this is damaging my credit rating.
I used to be the XXXX of a company that closed down last year. I continue to get harassing phone calls from this debt collection company threatening to sue me. Now they are calling my wife 's private number. My wife has no association with this company. 
I get XXXX or XXXX calls a day. My wife received XXXX today and is likely to start receiving more now that they figured out what her number is. The debt does not belong to me personally. It belongs to a corporation.
On XX/XX/2016 I disputed inquiries on my credit report. TransUnion sent me an updated credit file dated XX/XX/2016 with XXXX inquiries still reporting that I disputed. I have not given permission to XXXX XXXX XXXX XXXX, or XXXX to pull my credit report and I do n't know what procedures were used to get my report. As of today XX/XX/2016 the inquiries are still being reported.
XXXX calls from multiple numbers claiming to be lawyers who want to serve me with papers, they say that I have to pay them {$500.00} now or they will take me to court for criminal proceedings. They call at all hours and to my family members threatening me. They call 3-4 times a day. When I have spoken with them and I ask for them to send me proof that I owe the debt they claim that they do not have to send me any proof. I also do not owe this debt, I 've cleared all my debts that can legally be collected on.
On XX/XX/ I wrote a letter to XXXX  explaining the financial hardship I'm going through due to loss of a family member and helping with funeral cost. I asked them to accept a reduced payment for the next 2 months on my debt starting XX/XX/XXXX.I stated that I was not able to meet the current payment of {$160.00}. I will pay you {$50.00} per month during this emergency starting in XXXX. And I also asked if they could not send my account into collections and stop interest. The company has responded but did not state that they would assist me during my financial hardship
I filed a complaint against all three credit bureaus in regards to fraudulent accounts on my credit report. XXXX and XXXX complied with the FCRA and removed fraudulent accounts and never reappeared on my credit report.. Experian has failed to comply in deleting the same fraudulent accounts XXXX  and XXXX deleted or provide me with sufficient evidence or reason to keeping fraudulent accounts on my credit report. Experian has been reporting derogatory and inaccurate information relating to my credit report. XXXX ( {$22000.00} ) / XXXX XXXX ( {$1200.00} ) both fraudulent accounts Experian has failed to remove from my credit report.I filed a police report sent it to Experian twice and they haven't complied with the FCRA.I have suffered actual damages in the form of credit denial and loss of credit opportunity, credit defamation and emotional distress, including anxiety, frustration, embarrassment and humiliation.Experian has showed reckless and gross negligence for federal law.
Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information
Below is the text of an email I sent that spells out my situation. 

I spent almost six months in the short sale process. Then, I started pursuing a deed in lieu of foreclosure and it has been one stall after another due to a lien that was released in a timely manner and the remainder due to negligence and lack of due diligence on the part of Wells Fargo. I called in weekly, waited for a month for a document they already had, and they were not honest when I called to check on the status. Weekly being told they were waiting to hear from the title company when the title company was waiting on them. 

My email text today : I called in today to see if the title company accepted the last document I have submitted for the fourth time. Subsequently, I received a call from XXXX ( home preservation specialist supervisor ) stating I called and yelled at whomever I spoke to today which I did not. I had no reason to as I believe she told me all that she could. 

Yes, I am pressing for answers in that I have been trying for months now to complete this deed in lieu of foreclosure process. I have every right to want more specifics given how my file has been mishandled plus I have a time definite to vacate but you all have no time restraints. 

1. Short sale took so long for an approval that the seller backed out. 
2. I am advised of a lien during the deed in lieu process and got it cleared up prior to my XXXX XXXX vacate date. 
3. I have turned in the release four times XXXX, XXXX, ( not advised that the copy was illegible until XXXX ), XXXX, ( then told the title company could not read the upper right hand corner, and submitted it again on XXXX XXXX. I was told by XXXX that my file was being closely monitored and reviewed every two days. 

Today, XXXX, I called to see if the document was accepted by the title company ( XXXX XXXX ). No answers could be provided. So I called XXXX XXXX and they did see where the lien was released and I provided them with both XXXX and XXXX number. This is absurd in that the document is online accessible to anyone and XXXX XXXX has been in business for many years. 

Later, I get a call from XXXX questioning me about my conversation with a Wells Fargo rep who obviously communicated that I was yelling. I had no reason to yell at her. I did not accept yet another vague answer and asked questions for clarification. 

After reflect on my call with XXXX, I am highly offended that my calling for answers is the issue as opposed to processing my file. Please know that I will continue to call every other day. I will continue to voice my dissatisfaction with the mishandling of my file until there is resolution. I no longer trust in what you all say you will do in that you do not stand behind what you say. You asked for an opportunity to resolve. We are still at square one. 

The only communications I expect are updates and not an attempt to tell me who I can speak with. I do n't necessarily want to speak with anyone. I am not seeking another extension. I want closure. This has been highly XXXX for me and my family being unable to move on.
I have disputed the XXXX XXXX tradeline on my credit files with XXXX, XXXX and Experian as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. Experian reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new XXXX status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in XXXX - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX
There is an address in my personal information that I did not live at XXXX XXXX XXXX XXXX, ri XXXX
This message for XXXX XXXX and further steps will be taken if you do not respond to this call today. 
Call XXXX. 
calls at work and leaves messages daily and also my cell phone. 
Total debt collection scam. The term " person of interest '' is used in criminal investigations. This is just an attempt to scare you into paying them some money. Just because someone on the phone calling you says you owe a debt does not mean you actually owe it. 
If a voice on the telephone claims you owe a debt : XXXX ( Threatening criminal process in order to collect a civil debt is a clear violation of the Federal Fair Debt Collection Practices Act. ) Last known address : HIGH POINT ASSET INC XXXX XXXX XXXX XXXX, NEW YORK, XXXX
Debt was paid to XXXX XXXX XXXX and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the three main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.
Well Horrible experience, If I can give in -ve I will give it. 
They did not open my checking account in a proper way ( Either the  person who opened my account did not know how to open for non immigrant or XXXX XXXX is wrong ) and chase bank deduct {$72.00} as tax withholding from my account. 
I have provided all correct information on very first day with all proofs. Then once i got the withholding I called the customer service they said I need to fill form and contact the branch then everything ll be sought out. 
I called the branch and the the person said they will take care of it. They asked me to fill some another form and it failed again because they forgot to take signature once more. I went again to fill the form. 
After few days I again got a letter from Chase that I have a incomplete form, I called the branch and they said come again and we will fill it again. I was like why again and again it's not a rocket science. 
I called customer care gain and they said they have it and i do not need to send it again ( Branch was not even smart enough to do it ). 
Now by god 's grace in 2.5 month bank and branch is able to fill my correct forms but they are not going to refund my money which they keep for withholding. 
Branch is not even taking a responsibility for working on my refund and said they have called the bank and we have a case number, Now you can follow up with them. 
Really I have keep following up with you and branch for you mess up when you and your system can not do job right at first time. It's not my mistake then why I have to pay for someone else mess up. 
Customer service it saying that you can hire a tax representative for XX/XX/2018 tax refund and get your money back from federal government. So now I will spend around 200-300 to get my {$72.00} back This branch has no inexperienced people and bank is also not taking the responsibility. 
Do anyone know what can I do more and get my money back from bank and branch ... ... 
I am going to post this as many place I can and ask people what to do ... ..This is the only option I have now ....
This company is a fraud and they steal customers money out of customers account bank account or debit card information. If the customers does not pay they threaten to take legal actions or garnishments on their accounts. The company will go in a customers account without their permission and steal money causing you fees over draft fees or you not to be able to pay other bills because they went in your account with out your permission
American Express contacted my family members, with whom I do NOT live, about an overdue credit card balance.
Experian keeps charging my credit card every month for credit monitoring but I try and try to cancel and it wont let me. They say you dont have a membership. Have spent hours on the phone, called every number they have listed, emailed them, and I still cant get through to anyone as they have you enter in your information over and over only to end with you dont have a membership. I tried canceling long ago. But my credit card is being charged every month!! If I dont have a membership then why are they charging my card??? And why wont they let you cancel this crud online, especially when you cant get through to them on the phone.
On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.
I have tried to work with my current student loan over a couple of years to receive contact information the the bank that holds my loan or to understand why I can not receive that information. I have not been receiving statements or information about my loan for several years & my student loan company has not providing me information. I recently reached out ( again ) to the company to understand more about my loan & my current interest rate. It took 2 months of run around to even get access to my account and when I did, I was shocked to discover it was XXXX points higher than I believed. I have asked to receive information about the interest rate or contact information for the bank that holds the loan. I was told I could n't not have it. ACS, as the servicer of the loan, could not make any changes, and did not have any information or contact to discuss the loan with the holding bank. I was repeatedly told I would just have to " find another bank. '' I do not understand why I can not speak to my current bank about my loan and potential changes, before seeking out another bank or refinancing!
>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my report immediately.
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX?? 
I do not understand why this should impact my credit. No one explained to me they would be doing a credit check???. I currently have XXXX XXXX as my Car insurance carrier. XXXX keeps asking me to try them again. I want these removed. Please. I have never lived at XXXX XXXX XXXX in XXXX, CT XXXX. Name ID - XXXX is incorrect & not me. Name ID - XXXX XXXX XXXX XXXX, not me. Never worked for XXXX. Name ID XXXX not mine either
I am having an issue obtaining my credit report with  XXXX , Equifax and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot  of one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one  star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
Initially, photocopies of written letters, return registered receipts and receipts from the US Postal Service were provided to Santander Consumer USA as evidence the service contracts were canceled timely ( within the first 30 days ) of the purchase of new car from the XXXX dealership. Santander Consumer USA acknowledged [ written correspondence ] credits were not appropriately applied to car loan for service contracts and advised the credits and the accrued interest would be applied to the outstanding loan balance. As of XXXX/XXXX/2016, the credits and outstanding interest was never applied to the loan nor separate credits issued since the car loan was paid in full. Instead, Santander Consumer USA has chosen to report 60 days late payments to the XXXX credit reporting bureaus. 
I can provide sufficient evidence to support my complaint ( letter from Santander Consumer USA and payment history ). Please note : Santander payment history does not show that credits were ever applied to my car loan. Why are late payments reported to the XXXX major credit bureaus when Santander Consumer USA failed to apply the credits?
I received two robo calls today. One call came in on my work number and the other call my cell phone. They called my nephew as well. They stated I needed to call them back or there would be legal action. They stated I had not responded to previous attempts. I have never heard from these people before and have no outstanding debts
I received a letter today on XX/XX/2018 from the Federal Trade Commission. However the letter was dated XX/XX/2018. The letter states that I am a customer of Ameritech Financial or a related company, XXXX XXXX XXXX XXXX  in connection with my student loans. It appears that the Federal Trade Commission has sued Ameritech Financial for deceptive practices. I have been working with Ameritech Financial for a about a year now. Every month they take {$50.00} per month to apply towards my loans to get the rate lowered. I asked Ameritech Financial where was the fifty dollars going every month. I was told that it goes into an account. I got curious again, and called FSA and told them what Ameritech financial said, and FSA said that Ameritech financial can not change the amount of loans that is owed to them. I was told that ; federal Student Aid will charge me a higher rate to pay off my loans. I also received a letter that my renewal is up in XX/XX/XXXX. If that is so, and they have been sued, then how are they going to stay in business?
XX/XX/XXXX : Paid the total amount due on the Citi Credit Card.
XX/XX/XXXX : Check account to verify that all balances were at XXXX. Discover a new charge of {$69.00} has been added. Make payment in amount of {$69.00}. Total account balance is now at XXXX again. XX/XX/XXXX : Check account again to verify balance is at {$0.00}. Discover a new charge of {$45.00}. Contact Citi, and I am told that even though I paid off my balance, interest fees continue for up to two months after. I pay the {$45.00} balance and close my account. Associate asks if there is anything to remedy that problem, I say to credit me that two interests charges that I have been charged since paying off the total balance due, and I am told interests charges are hard to overturn. I close my account. No other card I have ever had has continued to show a balance after I have paid off the account. I feel that the way Citi has done this is deceptive, because most people will pay off the balance and figure that they are done. If I had n't checked on my own to verify my XXXX balance, I would still be accruing late fees etc for not paying on an account that I thought was at {$0.00}. As of this writing, I ca n't be 100 % sure that I wo n't have another interest charge in another month.
XXXX XXXX XXXX RE via XXXX XXXX Inquiry Type : Individual Requested on : XX/XX/XXXX Permissible Purpose : CREDIT TRANSACTION I disputed this transaction with the Credit Bureau and the Creditor, I never authorized this inquiry. 

XXXX XXXX XXXX  / XXXX # XXXX Date Opened : XX/XX/XXXX On the following dates : XX/XX/XXXX 60 days late, XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late. 

XXXX XXXX XXXX / XXXX # XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late As reported to the credit bureau XXXX XX/XX/XXXX payment to this same creditor reflects CURRENT although beginning 30 days later XX/XX/XXXX it reflects 90 days late. 
I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late.
Experian continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how XXXX verified the information, including the business name and address contacted and the telephone number if reasonably available. 

Additionally, XXXX XXXX XXXX is reporting a trade line on an account number that is not mine. I contacted XXXX and the information they furnished does not match what is being reported on my credit profile. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 
I am requesting that these XXXX entries be investigated and removed.