WillisBack/dataset-financial-user-claim huggingface dataset:
I believe that Navient is working alongside XXXX XXXX XXXX and a sister company XXXX XXXX XXXX in posing as the U.S. Department of Education as they stated. It is my belief that these companies are conspiring together with Navient running an overall scam against the government. The two companies listed above state they work with Navient to provide a service that they are allowed to charge for though the product is bogus. I have let them know numerous times they are a scam in presenting themselves as someone they are not. I did further let them know I was aware of what they were doing and to cease all contact with me immediately in presenting a fake product. They proclaimed numerous times to be working with/for the U.S. Department of Education which is a governmental agency. They stated that they send us out paperwork and much needed documents that you ca n't get anywhere else regarding student loans in how they are working with Navient to help others. The same documents they are advertising for a fee can be found online at the government website free of charge to us. Due to me being aware they are selling governmental documents I told them once again they are running a scam and I want no part of it!
We filed bankruptcy in 2010 however, there was a car loan XXXX and home XXXX - Chase Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) that were not to be included in the bankruptcy ( see uploaded doc schedule C ). However, XXXX companies, Chase and XXXX XXXX I will submit complaint XXXX seperatly ) are reporting to all XXXX bureau 's that these XXXX loans were discharged in bankruptcy Chap. XXXX. None of the payments made after this was reported are showing and since this time XXXX loans have been paid off. Also, not showing on my credit reports. I 've contacted all XXXX credit bureaus numerous times and tried to dispute this. They show the loans were paid off on their end and in their system but wo n't remove the " discharged in bankrupcty '' of my credit reports. I went thru a divorce the bankruptcy and just want to get my life back together. With such a terrible credit score I 'm paying more for everything and not able do a lot. I 'd like to someday buy a home for my family again and will at some put need another car. It 's so frustrating. I ca n't tell you the time and money ( I paid a credit company {$1600.00} to help me restore my credit ). I hope you will be able to advise me or help me. 

Thank you for your time.
I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call tans-union to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX XXXX XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
PNC BANK ALLOW IDENTIFY DEBT TO HAPPEN I LOST A TOTAL OF {$350.00} IM REPORTING XXXX XXXX FOR THREATING TO CALL POLICE ON ME WHEN I COMPLAINED ABOUT MY FUNDS ... THEY ALLOWED INDENTY THEFT PLUS THEN DIDNT REFUND. IM XXXX AND I RECEIVE XXXX WHICH I OPEN IN XX/XX/XXXXA TOTAL OF XXXX WAS STOLEN IN INCREMENTS OF {$850.00} every XXXX XXXX of the month since XX/XX/XXXX ... my name is XXXX XXXX XXXX my cell # XXXX XXXX XXXX
I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus.

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX First time contacting this agency was XX/XX/XXXX. They sent me a print out but no signature. 

The latest letter I sent was on XX/XX/XXXX.
Multiple attempts failed by varies means. Just today a lender accessed my file when I am supposed to have a credit security freeze in place. Evidently as meaningless as the fraud alert they lied to you about. I guess lies are ok. Also records posted by creditors incorrect impacting my ability to gain credit due to extremely low score.
XXXX   XXXX ,  2017  I had a balance of {$49.00}.  XXXX   XXXX ,  2017  I paid in full to a   XXXX   balance.  XXXX  I made a few purchases including on  XXXX   XXXX ,  2017  a bank check for {$1500.00} and a fee of {$47.00}. The {$1500.00} is to be interest free for 12 months. The  XXXX   XXXX  statement had a balance due of {$1700.00}. The difference in the balance of {$1700.00} - {$1500.00} = {$150.00} is all I needed to pay to avoid interest. However, in  XXXX  I paid {$120.00}  XXXX / XXXX / 17  and {$140.00}  XXXX / XXXX / 17  my total payments this period was {$260.00}. There should have been no interest charge for  XXXX   XXXX   XXXX  th all charge transactions were paid except balance of the {$1500.00}. The new statement has new charges that I just received and not due until  XXXX   XXXX  but there are interest charges on there too in the amount of {$19.00}. If the advance check is occurring interest that needs to be paid monthly I need to know so that I can pay off this card and close this account. I am paying off all charges monthly except the deferred so why am I being charged interest.
I contacted my credit card company to report fraudulent activity on my XXXX credit card. Two transactions on XX/XX/2017 posted and should be reversed due to fraudulent activity. Yesterday Bank of America closed the case and has refused to reverse the unauthorized transactions : Transaction date : XXXX  Posting date : XX/XX/17 Merchant : XXXX | Location :  XXXX NJ | Amount : {$230.00} Merchant : XXXX | Location : XXXX NJ | Amount : {$12.00}
Dyck Oneal has been reporting on my credit report a collection in the amount of {$32000.00} which is not mine and Dyck Oneal is illegally transacting business in the State of Ohio by continuing to try to collect a debt from me and I am a resident of the State of Ohio. According to the Ohio Secretary of State : Ohio does not have a specific requirement for collection agencies or debt buyers to be licensed in the state. However, any business, regardless of location, that " transacts business '' in Ohio is required to register with the Secretary of State. Dyck Oneal is not registered to do business in the State of Ohio.
XXXX XXXX XXXX XXXX, WA. This company bought my outstanding loan from XXXX which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.
Had a previous promo with 0 % interest that was about to expire. Thought I paid off the balance, but payment was applied to a different balance transfer that was not to expire until later in 2019. It was my understanding that the payment would be applied to the promotional balance that was to expire first. Spoke to the credit company and they would not correct the problem.
I became aware that my identity was stolen in XXXX 2016. There have been several inquiries into my credit report since that time for items I did not apply for. I have been able to contact most of the companies to have the inquiries removed. Santander Bank has not returned my calls to discuss the false application or confirm that the inquiry will be removed. I have not received a written notice that they will remove the inquiry. Santander Bank made the inquiry on XXXX XXXX, 2016.
I have called these ppl on several occasions, to access my own account, with no results. I owed XXXX, 5 years ago, trying to gain access to see if I 'm eligible for help, for a forgiveness. I get yelled at and told, very harshly, IF YOU DO N'T WORK FOR A NON PROFIT, FEDERAL, OR IS COMPLETELY XXXX, THEIRS NOTHING OUT THEIR YOU 'LL HAVE TO PAY! Well now it 's over XXXX from deferment, e t c. When i call these ppl needing help, they just put me on deferment, like that 's the only choice. I make under the poverty line in income. I will never be able to pay this back. It put my credit in the trash, for the rest of my life. I 'm XXXX yrs old, no life insurance, or anything to fall back on if i chose to retire. This company is a blood sucking vortex. If i ca n't access my own account, which i have n't been able to for 5 years, how do they expect any money to be paid. I no theirs a forgiveness plan out their for me, but they do n't want me to gain forgiveness, i feel they do n't care, ppl are really going under, owing student loans, and they take advantage of it.
Bank fo America XXXX XXXX 2014 {$1200.00} I WAS NOT ALLOWED TO FILE A DISPUTE WITHIN A REASONABLE TO AFTER LEGAL NOTIFICATION FROM THE FTC WITHIN THE TIME ALLOWED TO REPORT IT. THEY HAVE THE CASE NUMBER WHICH IS XXXX XXXX AND XXXX XXXX XXXX  AT XXXX OR XXXX  HAS BEEN PLACED TO IN HIS POSITION TO REFUND US AT THE REQUEST BY OUR BANK AS A CHARGEBACK.
WHEN I TRIED TO FILE A DISPUT YEARS AGO THEY TOLD ME TO CONTACT WPM AND TRY TO GET REFUNDED. THEY EVEN HAD A REP 3 WAY CALL WITH ME ON THE PHONE. THEN THEY TOLD ME I COULD NOT FILE A DISPUTE THEN EVEN IN THE ALLOTED TIME FRAME. NOW THEY ARE CLAIMING ITS NOT POSSIBLE TO GO BACK ON RECORDED PHONE CONVERSATIONS. THEN WHEN I HAVE REQUESTED TO FILE A DISPUTE NOW XXXX XXXX EXT XXXX.
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XXXX XXXX DID NOT CALL ME BACK AND THEN SENT ME A LETTER CLAIMING IT WAS PAST THE 60 DAY GRACE AND WAS AGAINST BANK RULES AND IT WAS NOT FRAUD EVEN THOUGH THE FTC HAS CLAIMED IT TO BE AND THEY HAVE A CASE NUMBER. HE NEVER ALLOWED ME TO FILE A ACTUAL DISPUTE WETHER IT BE FRAUD OR A BILLING ERROR AFTER PRETTY MUCH BEGGING THEM TO DO SO.
Discover card amount {$7000.00} I was authorized user of my ex wife account and I called and had it removed but the balance is showing under my credit report but its not in my name or social they told me to contact XXXX to have it removed.
This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I had an auto in 2007 from Wells Fargo. They repossessed the car when I I lost my job. They charged it off after I was still paying them. they sold the car for more than what I owe. 
Now they reaged the account and keep adding more to the fee all of these years later. They are reporting false information on my credit. I asked them to send me validation and a copy of the bill of sale showing how much they sold the auto for, but they just ignore me
Our mortgage loan was transferred to LoanCare in XX/XX/XXXX. During that time they failed to pay our Taxes on time, in fact they paid them a year late after a penalty had all ready been added. Here we are once again in the same situation. When they finally paid the XX/XX/XXXX taxes they next day they drafted our escrow account and took out the XX/XX/XXXX taxes so that was on XX/XX/XXXX. Here we are XX/XX/XXXX and the Tax Assessor has not received payment. I have notified the company since XX/XX/XXXX of this and still not able to resolve this issue, and now a penalty has been added. Our payment has gone up about {$400.00} due to the fact they are not calculating the escrow correctly. I have been in contact with the Tax Assessor we live in a small town and everyone is very familiar with one another and they have not received any calls from Loancare concerning this issue. Every time we call we get the run around. It does not take 3 months to locate a missing payment and reissue a check. I do n't know what else to do I am grasping for straws. I have asked to speak with a manager and I do n't get any where all they say is that they will escalate the issue. I have yet to receive a call back from them but I continue to call them weekly.
I normally pay my monthly mortgage to Nationstar online through an email link. This month the link did not work. I XXXX the web address. The website required that I submit my zip code and full social security number. I did not submit the full social security number because I was concerned about identity theft, and called the company to question as to whether they had been hacked. They had not. It is their policy because they have a new website to verify the full social security. I have seen companies verify only the last XXXX not the full social security and explained that to them. They have a total disregard for their customer security, asking for a full social security number online. I will not provide that and so now I am unable to use their online payment system.
I am a XXXX who needs access to a statements from a closed joint checking account held with Bank of America. EVEN WITH the " letter XXXX '' given bank of america on XXXX XXXX, 2014, they refuse access XXXX. The bank contends they do n't have the document even though it was used to close the joint checking account and open a " guardianship '' checking account. They are requesting documentation again to review and see if they can grant access XXXX for his closed joint checking account which will be thru XXXXXXXX, I am asking for immediate electronic access to the closed joint checking account in preparation for interrogatories and his pending divorce. XXXX Hence, the reason for a court appointed XXXXguardian.
On XX/XX/2018 a collection for two bills from XXXX/Capiopartner showed up on my XXXX   Credit Report. The two bills are for XXXX HOSPITAL in Texas. 
The First bill is for {$1200.00} and the second bill is for {$1000.00}. I called the credit collection agency XXXX/Capiopartners to resolve this collection at the following numbers : XXXX they refered me to another phone number XXXX. After 22 minutes of waiting and being transfered around I finally got a person who said she could not help me. I filed a dispute with XXXX  twice. They received a confirmation back from XXXX/Capiopartner that the information was correct and these two bills from XXXX HOSPITAL were correct. I do not know XXXX HOSPITAL and have never been to that hospital. This is not my debt.
Applied for a US Bank Credit Card and declined despite me having a FICO SCORE XXXX
On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.
HH Greg via Synchrony Bank has issued store credit cards in my name that were fraudulently issued to someone else as store credit. HH Greg is the focus of this submission. Syncrony Bank has frozen the account and will be sending me information but this is a follow up to fully document the incident. I have not filed a loss as yet since the representative I spoke with assured me they would be clearing the account from my credit history. I first became aware of the fraud when I received a billing statement on XXXX XXXX, 2015 and called them immediately. I am not claiming a loss on this submission giving Syncrony Bank/Financial Services the opportunity to respond.
CREDENCE EXCELLENCE BEYOND BELIEF PROCESSED MY PAYMENT TWICE AND I HAVE BEEN TRYING TO GET THE REFUND FOR OVER A MONTH. I KEEP GETTING THE RUN AROUND AND HAVE PROVIDED PROOF AND STILL NO REFUND. THEY COULD BE PROCESSING DOUBLE PAYMENTS FOR A LOT OF ACCOUNTS. WHO KNOWS.
I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with Prestige Financial, XX/XX/XXXX,XX/XX/XXXXfrom XXXX XXXX. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX.

I have tried to contact XXXX XXXX XXXX  to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased.

XXXX XXXX runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.
I had an account with XXXX and has settled on XX/XX/2016 for the amount of {$260.00}. I continue to dispute this on my credit report which it keeps showing I have a past due balance of. {$160.00}. Evidentally this went to collections with Capital Management Services, then it went to XXXX XXXX XXXX, which I had settled on XXXX/XXXX/16 for {$260.00} of my total balance of {$580.00}. I continue to get bills for {$160.00} from XXXX XXXX XXXX, and this is showing on my credit report that I have not satisfied this account. When I paid XXXX XXXX, I received a conformation # of XXXX, and a reference # of XXXX. I spoke to a XXXX XXXX with XXXX, and was assured I settled this account on XXXX/XXXX/16. It is not showing on Credit Report that this has been settled, and is affecting my credit score. I would like this either removed from XXXX, XXXX, and XXXX, or show it has been paid and settled. I also have a written letter from XXXX XXXX stating they have received my payment in the amount of {$260.00} which was received in their office on XX/XX/2016..the letter states they have accepted payment as Settled for less than the full balance on the account. I want all XXXX Credit Bureaus reflecting this has been Settled! The letter I have received came from Capital Management Services, LLP ... reference # XXXX
This was a third party pay phone company that billed me through XXXX for collect calls to my answering machine from a pay phone in Arizona. I never answered the phone, or authorized or accepted any of the charges! No one was even home at that time.
Collection agencies listed below are NOT licensed in my state ( Delaware ). I am requesting for them to be removed from all three credit bureaus ( XXXX, XXXX, XXXX ). 

American Collections ENT XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I filed Chapter XXXX in XX/XX/XXXX, and HDFS was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.
On XX/XX/2018, my wife and I checked our online mortgage account with Mr. Cooper, aka Nationstar Mortgage LLC. We went to our account profile page and were shocked to see that the recipient listed to receive our account information was the attorney for the opposing party in a lawsuit we filed over a construction dispute and lien action ( " Opposing Counsel '' ). The last person in the world who should be receiving our confidential financial information that is a critical aspect of our law suit is Opposing Counsel. This is akin to giving the fox the keys to the Hen House ( ironically, Nationstar had previously locked me out of my own account due to pending legal proceedings ). My wife and I immediately spoke with a Nationstar representative and told her how Nationstar had shared our sensitive information with Opposing Counsel. The representative 's first words were " oh my XXXX. '' That was the appropriate response to Nationstar 's unconscionable breach of our privacy. First thing Monday morning, we contacted our attorney, who informed us Nationstar 's conduct exposed them to potential civil and criminal liability. Our attorney confirmed that Nationstar actually mailed Opposing Counsel our XXXX mortgage statement and he had received it. It gets worse. Nationstar is a named party in a related law suit. They have been working closely with Opposing Counsel against our interests. The fact Nationstar unilaterally changed our recipient information to Opposing Counsel just when critical motions were being heard by the court is no coincidence. Our confidential information was kryptonite to us and the success of our law suit. Nationstar knew this. Their actions are beyond disreputable and merit the most severe civil and criminal sanctions possible. We are tied up with our current law suit and need the CFPB to champion our cause in this matter. To date, Nationstar and their counsel have refused to offer any reasonable explanation for their unconscionable actions.