WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017. Loan was transferred from Navient to XXXX. Communication of this was provided within the Navient internal e-mail system. I never received any formal mail or email to my email address on file outlining the change or the implications. At this time my loan was placed on temporary forbearance without my consent. No payment was withdrawn from my account that month. When I contacted Navient to ask why, they explained the situation. When I explained that their decision to place my loan on forebearance would cost me literally thousands of dollars on the back end and occurred without my consent, they said there was nothing I could do and I couldnt not make up the payment.
By their own admission LexisNexis failed to respond to my dispute in the 30 days provided as per FCRA. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer LexisNexis, as stated in their last communication with me said in Case Number : XXXX " LexisNexis accidentally failed to send XXXX XXXX a follow up letter requesting him to contact our consumer center to provide the additional information that was needed. '' This violates the following FCRA regulation : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
a copmany called Ideal collections has been trying to extort me for XXXX   this is the 3rd complaint i am filing, someone used my identuty to rent an apartment, i have proved this was fraid, i have 3 police reports over the past 6 years the company wants the police to do a fraud affidavid or pay XXXX to remove this from my credit, as it states in the attached police report i am a victim of identy theft and the police do not have a fraud affidavid for me to fill out this document does not exist in any police dept as the police so ideal collections is trying to extorant and HAS placed this item on all my reports and will not take it off even with all the identity theft reports from police and IRS i need action ASAP
I am a co-signor on my daughter 's student loans. She fell 60 days behind XX/XX/2014 due to a job change. She & I contacted Navient on XXXX/XXXX/14 and spoke to a rep named XXXX. During the conversation he told us that if she gave her checking account information for the payments & make on-time payments in the subsequent 2 months, the negative report to the credit bureau would be removed. My daughter agreed and XXXX reconfigured the loans into a retroactive forbearance as we watched the account on line. My daughter has made the payments on time since then from her checking acct. The negative report is still on hers & my credit reports. When I contacted Navient they simply responded that the information reported is accurate & no corrections are warranted. Is it acceptable to lie about rescinding the credit report to us and make a retroactive forbearance on the loan?
To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX
I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and  XXXX . It is past t he seven years  that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made no payments whatsoever past  XXXX  yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.
TransUnion had a computer breach in their system that violated the rights of their consumers under section 6.11. I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted. However the very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of TransUnion and they all acknowledge that the security breach happened multiple times in XX/XX/2016 but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file immediately.
During closing I asked the bank 's representative about weekly payments. I was assured that after each weeks payment, my principle would decline and thus I would save on interest charges on an ongoing basis. After a change in the information provided on their website, I realized they did not operate in this manner. They simply kept the money until four weekly payments were made and only then reduced the loan balance. They had full use of the weekly payments until the end of the month and deprived me of interest savings. When I called about this, they told me that the procedure was covered in the contract by the phrase " full payment. '' It would seem only fair that the bank should fully disclose the implied cost of offering weekly payment in terms of foregone declines in the balance owed and thus higher interest costs.
Dear Sir or Mam, on XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX or XXXX XXXX XXXX initiated a hard inquiry on my experian credit reports without having my authorization. 
I kindly ask you to remove the hard inquiry thank you. 

XXXX XXXX phone XXXX XXXX XXXX email : XXXX XXXX
fraudulent contract, excessive interst, predatory loan, interest rate is against the law per NY State I spoke with a manager concerning my interest rate on this loan taken out XXXX. I was told that because i purchased this vehicle in the state of Texas my interest rate was % 19 I explained to the gentleman that i did not purchase the vehicle in Texas i purchased the vehicle in new York State and that this interest rate was against the law in my state. I spoke with the attorney general office and was advised to notify Santander that the rate and contract was considered predatory lending and my contract also shows that i purchased the vehicle in NY State. i have never been to Texas nor have i ever resided in Texas. this contract is different from what i have however this deal took place over the phone and via bank wire so i do not know what was submitted on santander 's end. I also explained to the attorney general that this is a $ XXXX loan and i still have a balance of $ XXXX that exceeds % 20 interest. at % 20 percent i would have paid $ XXXX in interest and have a balance near $ 16k at this day in time. this figure shows that my interest is over % .30 percent. I was informed of the class action law suit form XXXX XXXX and that my proof of purchase and this interest as well as the fact that this is known as a Simple loan which are not legal in the state of NY makes this contract null and void and per the attorney general i should start this paper trail to provide evidence that this company will do the usual and not remedy this problem. Once i have the evidence that the issue is not resolved knowing that Santander has an illegal contract and terms. To escalate this matter through the attorney generals office and law suit.This interest has caused great hardship and the main reason my payments fell behind. I have proof i did not purchase in Texas. I have proof my contract shows I purchased in New York state. the attorney general has proof this loan type and contract along with its interest is illegal In New York State and Lastly this company has violated the FDCPA by attempting to collect a debt and they are not licensed in the city of XXXX to do so. Per the Attorney General you do not need a license to collect in the state of New York Unless you are collecting in XXXX New York  and XXXX XXXX XXXX. I reside in XXXX Ny. This company must be licensed to collect from me and since they are not they have violated my rights for over 2 years and i legally have a separate law suit.
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Ive had past PayPal accounts which were hacked into due to fraud/scam. The most recent situation had me file a dispute with my bank, which was attached to my PayPal acct. Due to this fraud, that PayPal acct was left in negative standing. 
My daughter, boyfriend and I started a pet sitting service and opened a business PayPal acct. 
Within a short time, PayPal limited that account requesting my daughters proof of identity, ss number and where her products are from and shipped. 
She immediately sent in her photo ID, ss card, and explained for pet sitting services, there is no product or shipping taken place. 
The account, which had money in it was still limited so she called them and they were very unhelpful, saying due to an online purchase she was making, a security trigger happened and there was nothing to be done. 
Shortly thereafter they closed her acct, trying to freeze the funds that were in it. 


I opened an acct with PayPal under my maiden name, XXXX XXXX. Unfortunately there isnt too many online sites like PayPal and *when* it works, it works well. 
I am now facing the same situation as my daughter. It started to become tougher to make online purchases for LEGAL things, couldnt send money to a friend, tried transferring my ( read that MY ) money to my bank acct and today I see my acct is now limited, requesting my photo ID, bank statement, products, shipping and to resolve the acct that due to fraud was left negative. 
I have no issue with providing any of this ... but just my daughter, I already know the end result will be them closing the acct, holding the money thats in there for 6 months while PayPal investigates the matter, which is really just them holding my money. Otherwise I should be entitled to a 6 month investigation report. 

Can they do this? Everything Im reading online says yes, which is ridiculous. Any money I earn I report to the IRS with a XXXX XXXX and in these cases, this was money from friends. 

In a normal brick & mortar building if a bank freezes assets, until they can verify identity ( which ... why would an online purchase to XXXX XXXX trigger them to need my bank statements ), once identify is shown, I should have access to my money. 

As for the negative acct, I can not be held responsible for the fraudulence that happened to it. Where exactly is that acct? Still with PayPal? Charged off ( I.e. written off to help offset taxes ), with another agency for collections? 

The federal government should not let PayPal get away with the things they do ( just XXXX   consumers complaints about their practices ) and need to start demanding answers.
XXXX XXXX aka squium asset solutions and they did not put an account number. I have not had a XXXX XXXX account in over 6 year. They are say XX/XX/2018 through XX/XX/2018. I have XXXX XXXX And on my credit report they dont list an account number so I have no idea what this.
On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that XXXX XXXX XXXX will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against XXXX for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. XXXX. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from XXXX 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by Wells Fargo Bank , N.A . He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or XXXX verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with Wells Fargo Bank , N.A . 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) XXXX XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, XXXX had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that XXXX believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account XXXX, to discuss a resolution that would be satisfactory to both parties. 

To date, XXXX has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, XXXX is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the BBB was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!
All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.
Portfolio Recovery Inc is pursuing to send mails to my address stating that I own debts that were resolved with the creditors 2 years back. Checking the reviews, returned all these scams where they take up accounts which were in bad status at some point of time in the past and just pursue to get some money out of customers. They have to stop sending me communications, as I have called up the issuing companies and have officially settled them up.
I received a letter postmarked  XXXX   XXXX ,  2017  from ERC " indicating a balance with  XXXX   XXXX   XXXX  '' that I am unaware of.     I responded by certified mail requesting information and verification of that debt.     ERC has not provided such information. Instead they have begun to contact me through channels outside of those requested ( by phone ) and continue to avoid their responsibility.     I 'm initiating this request today because, after informing ERC of their obligation to respond with requested information by mail, ERC instead chose to challenge my claims and then abruptly ended their phone call.
I had {$500.00} charged to my Coinbase account on XX/XX/2018 at a time when I wasn't even able to make purchases. I received nothing for the {$500.00} and immediately contacted coinbase. After numerous phone calls, I have only been told that they " have a ticket open for me. '' It has been almost a month and they are holding {$500.00} of mine that I clearly never sent to them, and for which I have received no products, services, etc. 

For as long as I am seeing no real action or attempt to reconcile this on their end I consider this to be fraud as they extracted funds from my connected account without my permission and have largely disregarded my attempts to reconcile the claim.
I have multiple student loans with navient, but only 2 of them are showing a negative report on my credit. In XXXX & XXXX of XXXX it is showing no payment has been made, I reached out to the company to inform them that during this time ( also plenty months before and after this time ) my accounts had been in forbearance but I never did receive an official response after numerous attempts to correct the issue. I need these negative items to be removed from my report because they are hurting my payment history and score.
Debt collector trying to take legal action over a debt that is not mine. XXXX is for a traffic citation in 2013 for a photo enforced camera. I was not driving the vehicle, and the original collector was notified of this. They have since assigned it to a debt collector who has not validated the debt when requested, and also is now threatening to garnish and wages. The second is for financial Aid, which is also invalid as I have an account for my federal student aid, that is up to date. It is ALLIANCE ONE
I have an interest only loan that will begin to include principal in XXXX. I have applied with the bank servicer XXXX to modify my loan, and have been denied many times. Last time they denied me was because " the owner of my loan requires me to be delinquent before they can look into it ''. So I have asked XXXX, several times over the past year, and finally they have answered that Deutsche Bank National owns the loan. I contacted DBN and they then told me that they are not the owner, that they simply act as trustee and can not make decisions about the loan. I 've asked them then who makes those decisions, and I have not heard back. I do not know what I am supposed to do to keep my house. All other governmental sources have also denied me and the banks XXXX nor DBN are willing to help me.
Capitol One is reporting that I was late on my XXXX payment to my XXXX XXXX Credit Card Account to all three Credit Reporting Agencies. At the time this happened my account was set up on automatic payments from my debit account. I noticed my checking account had not paid my account. So I called XXXX XXXX Credit Card Services. They verified that they had not received my payment because Capital One was no longer going to service my account so I paid my account. At that time I was 5 days past the due date not 30 days late as reported by Capital One. In fact XXXX XXXX credited my account the late fee that had been added and updated my information about my checking account. I was also informed that XXXX was sending me a new card in the mail and that they would be handling my account. I did in fact receive my new card in the mail. The account number is XXXX. I contacted Capitol One on Friday XX/XX/XXXX and provided my Social Security Number to them. However they could not find my account number. I did obtain my account number XXXX today and provided it to Capitol One. Now Capitol One insists that they have no record of this account and refuses to remove or correct the falsely reported 30 day late on my Credit Report, and they insist that XXXX is making this report and to contact them. I called XXXX and they informed me that they can not make any report to the Credit Bureaus about my old Capitol One account and that it is Capitol One who is reporting this information. I also filled disputes with all three of the Credit Bureaus as well. I spoke to an agent at XXXX XXXX this morning who informed me that even if I am correct that they can not change my report even with proof. I appeal to CFPB for protection and request that our Credit Reporting Agencies be given the authority to correct our Credit Reports if the Creditor or your agency is able to provide proof the report is not accurate. I also appeal to CFPB that Capitol One be required to update my information and report my payment history as paid on time as agreed because it is true. Capitol One no longer services my XXXX XXXX Card. At that time XX/XX/XXXX Capitol One did not obtain my payment even though they were responsible for obtaining the payment from my debit account. As a result of Capitol Ones mishandling of my account caused me to be 5 days late not 30 days late. It is my belief that Capitol One intentionally did not take my payment from my debit account on time as they were required to do because of their failing relationship with XXXX XXXX at that time. It is my understanding that Capitol One has no proof that my account was not paid as they no longer serviced my account. I paid XXXX XXXX on the phone so XXXX received my payment and reported receiving my payment on time as agreed. This is all a big misunderstanding that I had nothing to do with. It was between XXXX XXXX and the banks. Please investigate this matter and make Capitol One correct this report to show I paid my account on time as agreed.
XXXX 2016, Navient incorrectly reported a 90-day late to each credit bureau 4 times for the loans consolidated with their one company. I 've asked that they correct this or give a valid explanation, but they refused on both occasions.