WillisBack/dataset-financial-user-claim huggingface dataset:
I am a co-signor on a private student loan for my sister. I worked hard to repair and maintain my own credit history along with my own student loan debt. I recently reached a FICO score of XXXX. My sister, just this month, became 60 days late with the Navient loan I co-signed. JUST this month my FICO credit score dropped to XXXX! The ONLY negative factor on my credit report was Navient 's missed payment reports to Credit Bureaus. I called Navient and spoke with an agent XXXX XXXX ' telling him I could manage to make the payment but could Navient please provide me with a copy of the Positive report or form of communication that they would make to Credit Bureaus to relay the account as current. XXXX XXXX told me he " ca n't do that. Do you know how credit works? '' He said Navient did NOT have the ability to do that. Finally, I told him that I will seek more information and I was not going to make the payment at that time. In a threatening tone he reminded me that the phone call was recorded and 'they ' would know why I was n't making the payment. 
The very next morning I checked my credit score and it dropped another XXXX points! XXXX XXXX ' had vindictively reported my co-signed loan as 60 days late AGAIN on XX/XX/XXXX after speaking with him over the phone. How many times can Navient report the SAME negative information to damage my credit? Within the SAME month?
They have been calling me with robo calls 6-8 times per day. Never a person always robo. I have told them numerous times to call me with a person only. I have asked them to call me during specific hours when i can take their calls. my cellphone does n't work well when im at home so i cant answer it. they have my house number but again its always a robo call never a person. Robo calls always tell me to call back a specific number but when i do Im in line waiting for more than 30 mins everytime. I am now over 5 months overdue and would like to become current but cant get a hold of them ( i do n't have time to sit on hold for more than 30 mins ) .Now they are threatening a judgement againest me. I want to pay but they wont contact me and i cant get a hold of an actual person within this stupid company. they seldomly call my home phone when i 'm actually there to answer and again even if i am its a robo call so when i call back i 'm on hold. I try to login to my account online and again their system does n't recognize my information and i 'm told to call only to get put on hold. Ive told them numerous times to call with a person not a robot and i will talk and usually by now they switch to people but still after 5 months still robo calls only never a real person. ive told them numerous times about the online login system not logging me in without calling first and they say to just call in again i do n't have the time to sit on hold " waiting in line '' for 30+ minutes.
ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report.

XXXX has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity.

There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Was called at XXXX XXXX on XXXX-2017 from number XXXX. My telephone number is a business number. Person named 'XXXX ' said he was from EOS CCA - but refused to identify who the company was, or what the call was about. I had to look them up online to find out it was a supposed collection agency. Also, the call did not indicate whether it was being recorded ( calls usually are ) or provide the required 'call being recorded ' statement. As he would not identify the reason for the call - or who EOS CCA was - I declined to confirm who he was speaking with, and then he hung up on me.
Capital One Bank returned a payment check made on our account because it was over the amount of the balance. According to both the cardholder agreement and a telephone conversation with Capital One Bank on XXXX/XXXX/2016 only balance transfers made online are required to be submitted for an amount at or below the balance due. This payment was made with a two-party check endorsed from our company to Capital One Bank. Instead of returning the check to our address on file, Capital One returned the check to the payor address listed on the face of the check along with a letter with account specific information ( email confirmation of details provided to third party attached ) including balance details. Providing this information to a third party without our express consent is a violation of both the Capital One cardholder agreement and federal law.
1. XXXX XXXX, XXXX we received a trial modification from this servicers attorney @ XXXX XXXX in XXXX XXXX, FL attached are 3 pages. We made the 3 trial payments on which the principal balance was {$400000.00} however the escrow was miscalculated using force placed insurance amounts i have removed this force placed coverage with new insurance the reduces PITI payment about $ XXXX. The first 2 pages were sent in with payment & the correct escrow calculation amounts noted in my handwriting, servicer & attorney refused to correct this matter. 

2. XXXX XXXX, XXXX servicer has hired some new attorney XXXX XXXX in XXXX, Fl out of the blue to illegally change the previous agreed to modification above dated XXXX XXXX, XXXX increasing the principal balance some {$15000.00} while continuing to intentionally miscalculate the higher escrow amount & refusing to do anything to correct it. Attached is this 2nd document. This XXXX XXXX said to sign it or servicer told them to foreclose on us so we have been forced to sign this document knowing its wrong under pressure of foreclosure while plaintiff possess a proven forged original note & mortgage proven by forensic expert reports.

3. This home was affected by Hurricane Irma & servicer was advised. There is a federal FEMA forbearance order which declared the state of Florida a disaster zone yet this wrong forced modification says we MUST pay by XXXX lst or else.
Credit Card Company : Capital One Date of Transaction : XX/XX/XXXX Name of Merchant : XXXX XXXX XXXX Amount : {$3600.00} I didn't make any purchase from XXXX XXXX XXXX and didn't take into possession any goods or product related to this transaction of {$3600.00}. I only ordered 2 mattress toppers from the merchant name of XXXX while I travelled in XXXX on XX/XX/XXXX and the original scheduled shipment was on XX/XX/XXXX but I canceled the order on XX/XX/XXXX and reported to Capital One to stop the payment on the same date. I also talked to the sale lady to confirm my cancellation on XX/XX/XXXX. As I called the merchant to cancel my order prior to the shipment date, I assumed the matter had been resolved and I am not liable for this payment. As I can't provide the confirmation of my cancellation in writing, Capital One required me to pay for this amount now even though I didn't receive the product. This is very unfair to me that I canceled my order and informed Capital One to stop the payment on the same date of my purchase.
An Account Representative Helping Me open a checking and savings Account, disclosed and abused My Private Personal information, and that of my Child, as well as contacted Social security My behalf without my consent, and given access to My Account information. 

However, I 'm a victim Of identity theft, My SSI XXXX monthly income affected, stopped a abruptly, I 'm XXXX sick, Over this, I have had a XXXX. I have XXXX, this affected me greatly.
Account was opened under terms for a {$400.00} bonus. The requirements were met, and multiple agents on the live chat as well as over the phone, including a supervisor, have promised me that I would receive the bonus. I spoke on XX/XX/XXXX to XXXX, employee ID XXXX, and was promised that the bonus would be applied shortly. To date, I have not received the {$400.00} bonus for this checking account. At this point, Citi needs to help me correct this issue, especially since I have been guaranteed the bonus by employees at the bank including the floor supervisor I spoke with on the phone on the XXXX.
In reviewing my credit report it has occurred to me that the debt collector called XXXX. INTERNATIONAL INC, is still trying to collect on the debt however the debt reached its statutes of limitations of the 6 year mark as of XXXX of 2014, and the debt was incurred in Arizona and according to A.R.S 12-548 " Contract in writing for debt ; six years limitations ; choice of law '' For future reference I had a legal last name change my last name use to be XXXX it is now XXXX
Hello, My name is XXXX XXXX and I attended XXXX College in XXXX Ferry, NY. I took out loans from XXXX and Navient. My Federal Government Loans are with Navient. I believe that XXXX College made me take out to many Government Loans, Sub and Unsub. XXXX College made me take out loans for 3-4 semesters that coast me each semester around $ XXXX- {$16000.00}, when a semester was around {$8000.00}, {$8500.00}. I do n't understand why they charged me so much and also made me take out so many loans when I was also paying half cash. I am now in debt because of the the amount that I borrowed and the interest rate Navient gave me. My father is the co-signer and he has excellent credit and they still gave me a high interest rate. Navient wants per month {$400.00}, but it is expensive for me. I will have to pay more because the interest rate they gave me is to high and I know {$400.00} will only go towards the interest. I will have to send in more for it to go towards my loan. They told me they could lower my payments, but how does that help me? The amount I owe to Navient will take me 30 years to finish paying it off. I need help and I do n't know what to do.
I received a letter saying that at that " As you requested we successfully placed an initial fraud alert on your Equifax credit file. '' I DID NOT request this. Also, " To eliminate the need for you to also contact XXXX and XXXX, we will forward your fraud alert request to them on your behalf. '' There was no fraud alert request and why are the forwarding a something that does not exist? 
This is a gross misuse and abuse of their power. They are doing whatever they want to do irregardless of how it will effect other. To include placing inaccurate data on peoples credit reports. They need to be stopped.
This is a complaint that is referring to a previous complaint # XXXX. I could n't find any way to update my original complaint, so I had to make a new one. In summary, my husband and I were given a letter by XXXX early in XX/XX/XXXX that our property taxes from XX/XX/XXXX were not paid through escrow by our mortgage company, Carrington Mortgage Services , LLC . We immediately informed them and asked them to pay so we would not lose our home to the auction process. 

By the end of the month, Carrington still had not paid, the deadline had come and XXXX XXXX was ready to start the auction process, so we had to use our savings, scrape together the money to pay the taxes ourselves. We then requested ( through writing/fax on XX/XX/XXXX ) that Carrington immediately refund our money. This is the money THEY should have originally paid through our escrow in XX/XX/XXXX. 

When I called today to ask about our refund ( now three weeks after my first request ), I was told that they must complete an 'Escrow Analysis ', and that they need 15 days to figure out if I am to receive a refund. This is ridiculous. They are making it our fault that THEY messed up our escrow account and did n't pay our taxes. We almost lost our house and are out {$2100.00}. Which we are just trying to get back. A year ago they bumped up our mortgage payments an extra {$250.00} a month to 'pad ' our escrow account! There is something wrong here. Very wrong. 

We just want our money back. If we were to have a family emergency, we would n't have the money now because we had to use it for this. 

I am attaching documents showing the delinquent tax bill. My proof of payment. As well as XXXX escrow documents sent to me by Carrington. One from 16 months ago, which I believe to be a 'falsified document ', showing that the tax was paid, and one that I requested last month showing that in, fact, the taxes were NOT paid in XX/XX/XXXX out of the escrow account. 

Please help us get our tax money/savings back. We always make our payments. We believed our taxes were being paid through escrow. We have done nothing wrong to deserve this.
I've been with Navy Federal for about 8 months I think. I have paid My car loan on time every time every month without any issues. When I got this contract they sent me some envelopes to send the title back in if the previous company sent it to me. I returned the title as advised to navy federal, they confirmed they received it. I than few weeks later received a notice of Power of attorney. I called in as I am going to the mail box spoke with the navy federal auto department and specifically asked her if I needed to get a Notarized for this. She flat out told me no. Please review the call. I said are you sure? Me working in an XXXX office it just didn't seem correct so I asked her several times after this. She said no the power of attorney form does not need to be notarized. I told her okay I am putting in the mail. She stated she would note the account. Know XX/XX/XXXX I go online to pay my bill and its XXXX I got no call from navy federal- no email- no voicemail- no communication what so ever. I only log in to my account to pay my cc or my loan. I look up at the messages and they sent me a message after it was already raised from XXXX to XXXX when there employee instructed me the wrong information. I called them cause all of a sudden know they have sent me a text message at the time of a 2 day past account. Communication of a 2 day past account. I called the lady advised it was not notarized etc. Now this is not fair I have done my part my contract stated XXXX she advised she will send the form back out- so that it can be re-done. I need someone to pull the call when I called in and inquired about this- how is this my fault when I specifically asked this exact issue. I've had no problems with this credit union-I would love for it to continue this way.. Please fix this.
I only have one payment remaining with Tidewater XXXX. On XX/XX/XXXX I went on the Tidewater website to make my payment. Tidewater later took the funds from my bank account on XX/XX/XXXX. I received an email from XXXX XXXX advising me to contact the office immediately, that they had some payment processing issues. I responded with both my XXXX payment history, and my bank statement that matched with the payment history to Tidewater. XXXX said they cant take that they need to see a statement is needed showing a running balance and the deduction of the {$450.00} on that balance. I know for a fact that the XXXX can run a trace on my payment to see if it was returned to me or not. The funds were removed from my account as it always has the last 5 years. All of sudden on the 2nd to last payment I need to show them a bank statement. No! Im not applying for a loan through and legally they vant ask them to provide them my personal financial records. I want to know what is my final payment amount so I can complete this agreement with them and move forward. The payment I made online has a payment tracking number that they can use to track the payment. Payment Tracking Number : XXXX Payment Authorized On : XX/XX/XXXX XXXX CST
Back in  XXXX   2017 , I contacted   XXXX   XXXX   and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,    2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  XXXX   XXXX  continues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?
This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4200.00} with XXXX  XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided documentation that I am obligated to pay for the alleged debt. I have tried to make contact with XXXX and have been unsuccessful with having this debt removed. I have now sent the same information to The Better Business Bureau as well as The Consumer Financial Protection Bureau to assist me. This collection company has never sent information to state that I have gone into contract with them. XXXX  passed over the debt to XXXX XXXX XXXX XXXX, however, XXXX officially wrote it off and the debt is discharged.  I have never entered a contract or received goods from the collection company therefore their dispute is null and void. 

I demand that XXXX removed the negative report against my SSN. Im asking that they send me a updated copy with this collection being removed from my credit. I have attached several documents showing that this collection is being reported on my credit report and XXXX not updating on my report that its being reported by a collection agency. 

Sincerely Thank You for Your Assistance, XXXX XXXX XXXX
There is a Federal tax lien still showing on my report that was withdrawn XX/XX/2015. On two occasions I have disputed this with Equifax , providing a copy of the IRS lien withdrawal form ( which I will also attach here for you ). I have also verified with the county that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the lien from my credit report immediately.
On XX/XX/XXXX and XX/XX/XXXX, I notified Capital One and all the credit bureaus that the information being reported was inaccurate. They have not verified the information and by law must remove this inaccurate reporting.which have not. I asked them to produce documents to show that this was my correct account and a pay history showing that I was late in my payments. Nothing was sent to be.
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and experian this and XXXX and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.
XX/XX/XXXX of last year I had a car wreck. They sent me a bill and i began making payments on it. I have been paying on it for almost 7 months, then out of nowhere i get a letter from a collections company saying my bill has been sent to collections, even though the hospital has been sending me bills with updated amounts on them.
My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent XXXX, XXXX, Transunion all my Identity documents and more and stated federal FCRA about mixed files. Also TU has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were terminally ill. I 'm very healthy and a XXXX at a XXXX  my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. God bless
I attempted to reinstate my mortgage. Based on a repayment letter issued XX/XX/XXXX & verification of calling the lender I had until the end of XX/XX/XXXX to remit payment of {$3000.00}. XX/XX/XXXX I first attempted to send a moneygram based on the information provided in letter format & verification by phone call with lender. The lender refused to accept funds through the moneygram format. I had to resort to getting 4 money orders for the balance due of {$3000.00} and sending them by mail, in the same envelope XX/XX/XXXX. I received 3 separate letters dated XX/XX/XXXX, each with a single money order stating I had did not submit enough to reinstate the loan. I sent a request to the lender 's research department indicating I had sent all the funds in the same envelope. I received a response XX/XX/XXXX indicating I had only sent {$2000.00}. Then I received a 4th envelope with the missing {$1000.00} money order dated XX/XX/XXXX again stating insufficient funds.I called and spoke to a supervisor who upon research verified that the lender did receive all 4 money orders but the cashiering department had only posted {$2000.00} of the {$3000.00} submitted. She indicated I could re quest another reinstatement but now would have to pay an additional 2 months mortgage up front and all associated fees despite the proof I had submitted the correct balance. No fees will be refunded.
Company : Account Control Technology XXXX Debited out of my account on XX/XX/18 after a recorded phone call. 

This collection is for tuition debt to XXXX University in the amount of {$2100.00}. I paid my collection on XX/XX/2018. I was told by the representative that the collection would be removed from my credit report. He stated the " School '' would remove it. The call was recorded. I had moved and did not receive notification of the debt until it hit my credit report. 

The collection has not been removed from any of my credit reports, it still reports to all three. The school said they have nothing to do with it being reported, that it is being reported by the collection agency. The collection agency says it's the school. Per the attached file it is being reported by Account Control Technology. 

It was promised it would be removed once it was paid and should be removed as they said would happen in the recorded phone call.