WillisBack/dataset-financial-user-claim huggingface dataset:
Navy Federal continues to contact me about payments to my account I have a certified letter on file with them about contacting me about payments. I make my payments to them monthly even if I have a late fee I pay that. I have been out of work since XXXX 2016 yet I still make my mortgage, Auto and XXXX payments to them every month. I have filed several complaints with CFPB about this same issue. One was completed just this month where Navy Federal again apologized for ignoring my certified letter that I have on file with them. I called Navy Federal and ask why they were still harassing and the representative stated that they should not be contacting me because it is highlighted on my account not to do so yet they are continuing to contact and harass me.
I've disputed items on my credit report. Equifax has dropped my score by 125 ... When I contacted Equifax they explained they dropped my score because I'd disputed items. This was stated on an open and recorded line.
I had already disputed these accounts with all three Credit bureaus and with state these accounts that are on my credit report are accounts that are still pending with XXXX XXXX. insurance they are not supposed to be in collections I have tried to explain this to them and they just ignore it what they did they took it from a charge off-collection status on my XXXX and made it a closed account but left it in collections then on my XXXX   and my XXXX reports there still in charge -off account status they didnt send me any notification that they were going to be putting these accounts on my credit file didnt give me any notifications so that I could dispute the charges with them at all some of these accounts theyre taking one account and breaking it down bill by Bill to make it seem like more account, the account for the XX/XX/XXXX bill thats one account it should not be two separate accounts that was one bill for one service but state took it and broke it down there now Its two collections on my credit report instead of one there are Multiple bills like that
Toyota sent me a letter XXXX XXXX stating that they would remove negative credit reporting that occurred on my account in XXXX XXXX. I co signed on a car loan with someone and through no fault of my own the payments were late and I was never notified of this serious delinquency, until after the negative credit reporting already occured. Despite Toyota having my phone number and home address, they chose to send me a letter more than 2 months after the account went delinquent, thus not allowing me to speak to the cosigner, or if necessary make the payments myself to get the account current. Toyota gives me this letter, advising that they were removing the marker, but the marker is never removed and on top of that, they then report me XXXX 60 days, despite the letter saying that they were taking off the 30 day and that I had no other negative reporting. I have attempted to resolve this with them to no avail for almost 6 months, and they refuse to do what I have in writing that they said they were going to do. This have severly impacted my credit and I want them to honor what they said they would do in writing. This car loan is almost paid off, and it 's unacceptable that they send me a letter that says this, then refuse to do it.
I have notifed Midland Funding LLC that I am not liable for a Balance of {$900.00} that is being reported to  XXXX ,  XXXX , and  XXXX . Midlands Funding has failed to provide Validation of the debt, that proves that I have a signed contract with them.
I notified them that I have exempt funds in the form or Social security Benefits and   XXXX   Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that Midlands Funding LLC discontinue collection efforts and delete all accounts that are being reported to  XXXX ,  XXXX , and  XXXX .
Synchrony bank took control of my Dickssportinggoods card from GE Money bank. I am separated from my wife and she set up payments to automatically come out of her bank account. For some reason after 6 months they quit taking the payments. Due to our situation there was a lack of communication and we did n't realize for several months that this had occured. After a while I came in contact with Synchrony bank to begin trying to rectify the situation. They have never been very helpful or courteous to me throughout this ordeal. They told me once that they could put me on a program to help me out. But I was going to have to suspend charging privileges. I did n't want to do that so I called Dicks to try and find a better solution. They referred me back to Synchrony. When I called them back to take their offer 15 minutes later, they informed me that I had no programs available to help me. So anyway, I have been paying the minimum payments to try and get the past due amount taken care of. My charging privileges have been suspended. That is all well and good, but what I 'm filing my complaint about is that last month, and maybe other months, I made my payment on time and they still charged me a late fee. When I called to make my XXXX payment I questioned them and they said that since I did n't pay the full amount that I would get charged late fees. I think that is absurd. They said I agreed to that when I opened the card. I agreed to nothing with them, my agreement was with GE Money Bank. I am asking to get a minimum of XXXX late fee refunded and a maximum of XXXX for the months they quit taking our payment without us knowing
I had all my inquires that were removed with the TranUnion Data glitch a few weeks ago. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec XXXX which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. 

XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX CARD XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX CARD XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX SAVINGS BANK XXXX/XXXX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CARD
When I was not able to pay my student loans instead of working with my income the company offered forbearance of the loan. They never told me that the interest rates were higher or that there was going to be any interest charged to my loan. They said that it was only a temporary stoppage until I could start paying again, been paying my loans since 2004 and still owe on it.
We filed a complaint with # XXXX-XXXX in which you closed because the CMG responded to the complaint. Unfourtuenately the orginal complaint was not answered. CMG has still yet to find the payment nor have they responded to the phone calls and written information we have provided. CMG is now asking for copies of cashed money orders fron and back of said money orders. We can not provide these as they were lost after company signed for and picked up from post office. We are working with Ms. XXXX XXXX of XXXX XXXX XXXX, and CMG is also not given her any answers as to where payment is.
I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I  have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.
I am the co signer on my daughter 's student loan. My daughter suffers from XXXX, XXXX and other XXXX  health issues that arose during her XXXX year away at school. for these reason, she was forced to withdrawal from school. she has been XXXX on 3 separate occasions and is still in the process of recovery. 
She began her attendance at XXXX in the fall of XX/XX/XXXX. She withdrew from all of her classes in the fall of XX/XX/XXXX and subsequently did not return to school thereafter. 
She did contact Wells Fargo regarding the student loans to get the deferment with the hope that she just needed time to find the coping skills and help she would need to go back to college. Unfortunately, this was not the case. She then contacted Wells Fargo with the hopes to lower the payments or restructure the loans. We both provided them with all the necessary paperwork ( it should be noted that this took months to compile as financial issues are a huge trigger for my daughter 's XXXX ) After this time, Wells Fargo called my daughter to say that " you are in such bad financial condition that there is no payment you could afford, so therefore we can not help you and the same monthly payments will be due '' and by the way, all the late fees and such have added up during this time. 
we are simply looking for some help during this time of recovery for my daughter and I. As a cosigner, I know I am responsible as well, but I am a XXXX mom of XXXX and am still paying for all the XXXX care and hospital bills from her condition ( as well as XXXX surgeries I have undergone during this time, as well as a hospital stay bill for my son ) Please let me know if there is any help for us at this time. 
XXXX
My car went missing from the parking lot at work in XXXX. I tried to file a stolen vehicle report with the police and insurance company. Santander said they repossessed it due to late payment so I was unable to report it as stolen. For almost a year or more they contacted family members and neighbors over the phone and in person trying to find my car they claim they did not repossess it and we 're looking to repossess it. They continued to call and ask me where my car is after THEY told me multiple times that THEY repossessed it. They even called to tell me it went to auction on another XXXX and asked me where it went after auction like I would know. Then in XXXX they send me a letter to settle my charge off amount for 50 % off my total amount in exchange for the title for a car they claimed they repossessed, supposedly auctioned and lost track of 4 years earlier.
CFPB BE ADVISED THAT EXPERIAN SHOULD HAVE GOT A COPY OF THE POLICE REPORT THAT I SENT INTO THEM REGUARDING XXXX ACCOUNT XXXX I WILL ALSO BE SENDING YOU A COPY OF THAT USPS TRACKING NUMBER IS XXXX ALSO I WOULD lIKE TO ADD AS A IDENTY THEFT PER THE FCRA 611 I HAVE ASKED FOR THIS INFO AND EXPERIAN RUFUSED TO PROVIDE THE INFO THAT I HAVE REQUESTED FROM THEM ALSO XXXX HAVE NOT SENT ME ANY INFO THAT I HAVE BEEN ASKING FROM AS WELL
I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being dead over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.
There is a bankruptcy on my credit that i never went filed. my ex-husband filed I would like the bankruptcy removed from my credit report.
I applied for Income based repayment plan and my wifes income was factored in but we pay separate bills. Student loans being one of them. My payment increase significantly and I was unable to afford it. When I called and brought this to the attention of Navient I was basically told " too bad ''. Now I am in default and I can not afford this payment and I have no solution.
I have requested verification and validation of this debt per my right under the FDCPA secti on 809 ( a ) and ( b ). This company refuses to provide. I have also disputed that this debt is not mine yet  they continue to report a disputed debt on my credit which is a direct violation of the FCRA. I am aware I can seek actual and statutory damages if I choose to file a civil lawsuit against this company. I will be discussing this matter with an attorney. My name is  XXXX   XXXX  las t 4 of  my social are  XXXX  and my date of birth is  XXXX / XXXX /  XXXX  . I am demanding that verification of debt be sent to me. Also you must have a surety bond to collect in my state and your company is not bonded therefore you can remove this from all  XXXX  credit reports.
I am filing this complaint in response to the complaint my daughter filed on my behalf, complaint # XXXX. I would like to have a response on what the alternatives are available please. The last letter I received from Wells Fargo stated that the house was in active foreclosure state. Prior to that I received a letter stating that they were still reviewing documents. 
Please any updates. Looking forward to working with Wells Fargo to resolve this matter. Thank you
Checked credit and I show these accounts are still revolving. I already checked with transunion and disputed the following account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these accounts
I have repeatedly asked for validation of debt from this reporting agency and this company will not comply with my requests .To my knowledge the original creditor is an apartment complex and I am not sure at this time what this bill is for .This is affecting my credit score and if I can not get a validation of debt please remove from all XXXX credit bureaus. Also do they have the right to charge interest on this type of account. I am not sure what else I can do but get a lawyer involved if this is not resolved. 

Last Reported XXXX XXXX, XXXX Collection Agency HUNTER WARFIELD INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$760.00} High Balance {$660.00} Remarks Account information disputed by consumer, meets FCRA requirements
I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.
I just pulled my XXXX report and seen that I had an collection account from this company Rent Recovery Solutions and I was aware of this debt, so I called and spoke with a representative by the name of " XXXX XXXX '' she stated that she had to call me back because she was on another call, so I had given her my information and she called me back from XXXX she went on to tell me that I had an unpaid account with a community property by the name of XXXX and I informed her that I was n't aware of this debt and that it was n't mine, I asked her to tell me the spelling of the name on the account as that I 've had some issues in the past that 's been placed on my credit report which was n't mine, she did n't give me that information only went on to say that she would email me all of this information, still refusing my request to give me the spelling of the name on the account, she then proceeded to say that if you want to settle or make payment arrangements you can and again I told her that I was n't aware of this account and I 'm not paying. Not once did she state the mini Miranda and still asked me about money. I know my rights as a consumer and I know that this was one of my rights that 's been violated. I will be seeking law actions against this company and I want this debt removed from my credit that I know anything of.
I contacted Midland Funding in XXXX 2015 and asked for proof of ownership of the indicated debt. Midland funding has yet to send me the requested documentation or put the account in dispute status. I want it removed from my report. I do n't see how they can just show up on my report and not provide the requested information. I have several copies of my report and they were not showing in previous years.
Wells Fargo called my number asking for payment of a vehicle loan that my ex-wife has posession of through our divorce. She is there months behind and I am cosigner, unfortunately she has legal rights to the car and since I am only cosigner I have none but resposible for the debt even though she has posession of the car. Wells Fargo has threaten to call my chain of command as I am in the military and not just my immediate but they ask for the commanding General number which is way above who they need to call. This could cause serious issues and possible separation at 18 years of service for something out of my controll.
THERE ARE MULTIPLE HARD CREDIT INQUIRIES FROM THE SAME COMPANY AND MULTIPLE INQUIRIES FOR AN AUTO LOAN ON MY CREDIT REPORT GIVING ME A BAD CREDIT SCORE. HOW DO I OR CAN I HAVE THEM REMOVED. TRIED THE DISPUTE OPTION AND GOT NO WHERE.
As I was checking my XXXX XXXX account i noticed that a collection account had been added to my credit bureaus. I never received any type of notification from AFNI which would allowed me to dispute the account. They claim the account was opened XXXX of XXXX and I have n't had a cable tv/internet account since XXXX.
I have explained that I was in a car accident so I am not able to pay this now that I will contact them when I am ready. They continually call while I am working and have told them numerous times not to call till after XXXX XXXX
We contacted Wells Fargo again concerning a HAMP modification review on XX/XX/XXXX, the documentation was faxed on XX/XX/XXXX to XXXX ; each page had the loan number clearly recorded at the top. A letter requesting additional documentation was received dated XX/XX/XXXX, in it was a request for my husband to provide a XXXX and myself to forward XXXX more paystubs in addition to the ones on file for the pay period ( XXXX XXXX ending XX/XX/XXXX and XX/XX/XXXX, finally my XXXX XXXX, to which I escalated the unnecessary delay to XXXX XXXX XXXX via email and snail mail since a Wells Fargo staff member advised the HAMP program was no longer available since a Wells Fargo XXXX XXXX member advised the Home Affordable Program was no longer available to us. so, in XXXX upon receiving a phone call from another home preservation XXXX an unemployment affidavit was completed by my husband and sent to Wells Fargo ( same day XX/XX/XXXX ). Another letter dated XX/XX/XXXX,  request for additional information request my husband to forward a letter of explanation for a ( 1 ) " bonus '' recorded on his paystubs (? ) to include ( 2 ) clarification for overtime or if he has he ability to receive it again and ( 3 ) prior years income is greater than current year to date ( expecting any additional earnings for XXXX ) and ( 4 ) confirm how many people live in the house ; to which a letter was composed and sent to Wells Fargo at XXXXXXXXXXXX on XX/XX/XXXX,  while mind you my husband is still unemployed with no benefits paid. Today, ( XX/XX/XXXX ) when I called for an updated status I was advised the review was closed ... " its what we do when the file reaches 30 days in age without a decision, the reason noted was the requested documentation was not received. '' ( per XXXX supervisor XXXX ) now let me send you to a member of my team XXXX, who will complete your welcome call, hold please '' ... really? IN summary it appears to me Wells Fargo is not concerned about causing borrower harm or cancelling modification request ( without notifying the borrower ) just to keep from being fined when the review is NOT completed within 30 days.
EQUIFAX NEEDS TO UPDATE THEIR CREDIT REPORT TO SHOW THAT ACCOUNT XXXX XXXX XXXX HAS BEEN CLOSED. CAR WAS PAID OFF XX/XX/2015.
Nation Credit AdjustersXXXX XXXX XXXX - XXXX XXXX XXXX, Kansas XXXXThis company is harassing me at my place of employment multiple times a day after repeated requests to stop contacting me there. I have never received any written correspondence, nor have they been able to verify any information about the debt, only my home address and an arbitrary account number. The first man I spoke with on the phone told me he was sorry they contacted me and he would have my name removed, but I am continuously receiving phone calls from his associates. They have even gone as far as to leave detailed messages regarding my personal business on our company voicemail that all of my fellow associates have access to. I have paid this in full to the original lender, but they will NOT cease their collection efforts.
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Discover Bank Inquiry Date : XX/XX/2018
XX/XX/XXXX, I brought a vehicle. I have to make payments of {$460.00} a month. However when I brought the car, the dealer BAAM Finance Company, told me that I would be paying the amount of {$460.00} for a minimum of 2 years and then I would be able to trade. After the 2 year mark, I was trying to trade my car and learned that I would be paying the amount of {$460.00} instead of two, but five years totaling the car to {$26000.00}. The car is a red Toyota Corolla 2008 & when I purchased it, it had over XXXX miles on it and is 8 years old. I feel like this is a fraudulent sale. I am paying 10x what the car is worth and is unable to trade it. When I purchased the vehicle, the dealer handed me a pink sheet of paper stating that I would be paying a total of {$14000.00}. 
BAAM Finance number is XXXX. BAAM Finance is located XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I feel like I am being grossly overcharged for a used 2008 vehicle.
Received a collection letter from company collecting for  XXXX   XXXX . The  XXXX  account has been in a complex situation since my original account was split into. Also, I have not been contacted by  XXXX   XXXX  via postal mail, email, nor telephone, since the previous complaint,  XXXX , which was referred back to  XXXX   XXXX . This account has had issues in regards to the bill getting higher each month. Also, there was never a final bill for the account in question, listing the reasoning behind their charges. There was only a bill with the inflated amount. I am also continuing to receive a bill for the account in question.