WillisBack/dataset-financial-user-claim huggingface dataset:
These are XXXX XXXXNavient loans that I paid on for over ten years and the balance is still very close to the original amount. I saw this on the XXXX XXXX and said I am XXXX of those people. Where did all of the money that I paid into it for 10 years go? They, repeatedly, offered forbearances and said it would just be an extra payment at the end. There were times were I would make a payment and it just disappeared. I would be forced to make another payment, the next week. They were very deceptive. The loan was sold multiple times and often felt that I was being lied to with no one to get a real answer from. I paid on XXXX accounts for ten years and the total is still near its original balance ( {$11000.00} )! These now show up as closed-derogatory student loans with an {$10000.00} balance. I paid on them for ten years and paid down {$500.00} I just got a call from XXXX XXXX from XXXX XXXX XXXX who said they were with Navient and looking to settle at a drastic reduction, however, the words and actions of the person that contacted me on the phone made me unsure of their validity. 

These multiple loans have kept me from getting into a home for ten years. I, finally, have some XXXX to listen. As much money as I have paid to this loan, I would like for it to be resolved and removed from my credit report.
We received a notice dated XXXX XXXX, XXXX from the law firm of XXXX XXXX XXXX advising us that our Ocwen HELOC loan had been referred to them for foreclosure. The loan had been reinstated by telephone XXXX XXXX, XXXX and in writing XXXX XXXX, XXXX. Our bank transferred by wire {$5000.00}. ( substantially more than the {$2700.00} quoted as the reinstatement amount ) to Ocwen on XXXX XXXX, XXXX. Concurrently, our bank advised Ocwen of the funds transfer by email. Ocwen informed us by telephone on XXXX XXXX, XXXX that they reneged the reinstatement. 

Since XXXX XXXX, Ocwen changed the payoff amount and due date countless times. Each time a different Ocwen representative contacted us, not one of whom was aware of prior letters or phone calls or the most recent information given us by Ocwen. Also since that time Ocwen has been able to provide accurate accounting on our loan, whether it was credit for payments made ( substantiated by their own monthly statements ) and when, credit for additional payments made to principal, etc. We also received numerous calls requesting overdue payment amounts ; when asked for the remittance address, the Ocwen caller hung up the phone. On one occasion, I contacted the same representative and was told she was unavailable ; I said I 'd hold until she became available. After 2 hours I was told she 'd left for the day and it was n't known when she 'd return. 

When I had " telephone appointments '' with our designated " resolution manager '' I was contacted by yet another representative who said that that person was on another call, in a meeting, away from her desk among other reasons I could n't speak with the same person. Then the new representative, oblivious to former information, continued on to give more erroneous data. 

We have acted in good faith with Ocwen to no avail. Full documentation is available, if necessary, for all of the above statements.
I am filing a complaint due to Equifax reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the  CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made.   >>XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX , XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX ,XXXX XXXX Inquiry from XX/XX/XXXX<<
XXXX  has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked XXXX  on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.
1. I do not have a   contract with DIVERSIFIED CONSULTANTS INC  or  XXXX  because I did not open this account. I am not liable for collection this debt from  XXXX . I am not responsible for this debt.  <P/>  2. I have as ked  XXXX  and  DIVERSIFIED CONSULTANTS INC for validation for this account being mine and have received nothing but bill statemen t. THAT IS NOT VALIDATION!  <P/> **Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account.  <P/> Under the Fair   Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed.
<P/>
I demand the following accounts be properly verified or removed immediately.
In XXXX of XXXX I lost my job and was not able to make student loan payments. My parents cosigned for the loan but their finances were nowhere near good enough to support the ludicrous {$1300.00} a month payment ( which at the time was double my rent ). After paying Navient for a deferment and regaining employment in XXXX of XXXX I discovered that the deferment did not prevent me from going into default and that Navient still expected me to pay the unsustainable loan amount. In XXXX of XXXX Navient reached out to me after I had been deliberately not paying the loan since XXXX because they refused to negotiate and finally offered to go onto a Reduced Rate plan. This was based on my parents ( as cosigner ) and my own debt-to-income ratios. The agreed upon payment was {$530.00}. This was a payment I could afford and the plan was good from XXXX of XXXX through XXXX of XXXX. They informed me that I would have to reapply for the Reduced Rate plan on a yearly basis. We just provided them with our financial information, which has not changed at all from the prior year, and it was suddenly determined that I no longer qualify and am now responsible for a {$900.00} a month payment - a $ XXXX/month increase! This is just yet another example of Navient 's terrible customer service and bait & switch tactics. No one in the company knows policy, they just make up the rules as they go along and faceless departments decide who is capable of paying what.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AD Astra Recovery Services. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was still there not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
My mortgage account with XXXX XXXX XXXX is not reflecting that it is paid off on my TransUnion report and I recently tried to contact XXXX XXXX XXXX to no avail.
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX  XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and 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
My student loans are in ferbearance which I understand is navients money making way out to help clients. I understand there is/was a large lawsuit against navient 2017 regardig these exact problems. The forbearance ended in XX/XX/XXXX. I had no notification in any form that this was happening. Therefore ended up getting hit with a 90 days past due on my credit. I then called immediately and brought account up to date. However, it was reported on 89 days it was not 90 days. Navients policy is 90 days. It should have been reported in XX/XX/XXXX and it was reported for sept. It was up to date as of XX/XX/XXXX.

Please help me!!!
I applied an overpayment to one of my accounts, explicitly selecting not to have the overpayment applied to my next installment. Overpayment was still applied to my next installment, and the Navient rep i spoke to online tried to make the case that it was supposed to, even though it was an overpayment explicitly selected to be against the account balance.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX  ( XXXX ), XXXX XXXX/XXXX Acct XXXX ( Experian, XXXX ), XXXX XXXX, AcctXXXX ( XXXX ), XXXX XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX Acct XXXX ( Experian, XXXX. XXXX ), XXXX XXXX XXXX XXXX/XXXX Acct XXXX  ( Experian, XXXX. XXXX ).
Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.

I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely  confirmed the accounts. I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, Experian and XXXX  consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.
This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in   XXXX  , this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.
I've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change XXXX XXXX is not reporting correctly
I received a 30-day late for the month of XX/XX/2018. I was not aware of any payment being due and once I contacted the merchant, they informed me that they were contacting me, which happened to be at a phone number that was not mine, in addition to, stating that I had indicated to not receive any account communication from them which is why I hadn't received any type of email or notice by mail. The information they advised is not accurate. I would have no reason to provide any phone number other than mine and since I receive most of my credit account updates by email, there is no reason why I would have opted out to receiving payment communications regarding this account.
On the evening of XX/XX/XXXX, 3 business days before planned closing date of Monday XX/XX/XXXX, I received new disclosure documents. On this document was a new 1 % point, on top of the already disclosed and expected {$990.00} fee. This was a {$1700.00} extra fee, increasing my out of pocket c! doing costs by nearly 20 %. They knew rates were rising and it would take another month to finish, which would add hotel expenses and other fees to start over with another company, as well as risk the owner taking my earnest money and putting back on market
Sent 609 letter to Global Receivables asking for verification of debt. They sent detailed report with amounts owed from the hospital. I asked for my signature to verify i had a debt with this company and did not provide anything but an itemized list of everything i supposively received at the hospital. This is a hippa violation.
Why I am filing a complaint against  Wells Fargo.    I applied for  one of  their  XXXX   XXXX  credit cards because It offered {$150.00} reward if I applied, got accepted and made {$1000.00} in purchases during the first 3 months. I made {$1000.00} in purchases during the first month. I called  Wells Fargo  about getting my rebate and they gave me the run around. Then they tried to tell me the promo was for only {$100.00}. I have made a dozen calls and complained. I have also complained with their  executive appeals office. However, during my first 3 months with this credit card, Wells Fargo increase their offer to {$200.00} ( with the same requirements ). I am filing a complaint because Fargo  has not been ethical and honest with me at all and have never responded to my dozen or so calls to fix their error.
Tried accessing my free reports on two different sites. Neither one will give me access! One says my info is wrong and the other got to security questions based on info from my report, but the info did not match anything I know to be true. Something is very wrong here. I have had a woman that attempted to use my identity before in 2010, kept me from getting a job and that employer had to run an investigation to prove it was false. I am freaking out here, because the security questions were on the subject of a home loan, credit card and bank card, in which the first two I have never done and the third did not match up to my bank that I have had for some time now.
I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.
Today, actually, it was yesterday. I dent money to a guy by PayPal but that guy is a cheater. When I sent first once, he let me copy his account. When I fished, he said the account number is wrong and let me send second. And I did. This time I provided correct account but PayPal showed another account, I don't know why, then he said he did't receive the money, and let me try more. Then I know I was cheated by him. Now I can't cancel it and my money flows to that liar. I don't know how to fix it and a lot of people facing the same problems.
This account was opened in my name in XX/XX/XXXX the debtor saying I opened this account in XX/XX/XXXX a a false statement I been fighting with this for XXXX years. Jeffcapsys {$3500.00} Opened XX/XX/XXXX
My checking/debit card account is in overdraft and has been rolled over several times now. The XXXX overdraft for XXXX should not have occurred because the funds were put into my account @ XXXX on Fri., XX/XX/XXXX which covered it. The overdraft of {$13.00} occurred on the evening of the XX/XX/XXXX after banking hours @ our branch. The overdrafts continued to mount to {$130.00} by XX/XX/XXXX. After XXXX or XXXX heated conversations with the branch bank manager she took {$15.00} off for extended od fee reversal and {$19.00} off for extended overdraft on XX/XX/XXXX. This left overdraft expenses at {$100.00}. Their online customer service representative said they could do nothing more to correct the problem. However this account should never have gone into overdraft in the XXXX place. The tellers at the bank have told me that if an account is in overdraft during the week, the customer is giving until Friday of that week to correct the credit. But if not taken care of before Friday, a {$15.00} charge is attached. If not taken care of by the Monday of the following week a {$34.00} charge is attached. XXXX more {$34.00} is allowed and that is all. This was my understanding of the overdraft circumstances with Chase but it has not be the case with this situation or in other situations with Chase. My account started in XX/XX/XXXX so my history with them is not long in nature as accounts go. So going over all my statements and history should not be a problem. Also they stated that anything under {$5.00} is not given an overdraft but I believe there were charges on less than {$5.00} as well which I was unable to have removed. The result I expect from this is that my account be restored without overdrafts at all ; with a balance of {$22.00} in it instead of a negative amount of - {$100.00}.
I am in the process of a refinance. All of my paperwork is submitted, and I have been approved. The new loan company, XXXX Mortgage, is all set. The title company, XXXX XXXX, is all set. I was supposed to close today, XXXX XXXX. But the current loan holder, Seterus, has not issued the necessary payoff quote. XXXX XXXX made a request on XXXX XXXX, but it was denied because they did not use the internal Seterus form. They were never told that they had to use this form, even when on the phone with them. I was not notified of the denial. I have a secure email inbox on my Seterus account, and they did n't put a notice in there, only a notice that a fax request was received. So I submitted a payoff quote request online on XXXX XXXX. Upon submission, a note comes up that says give them up to XXXX business days. But when I call, they tell me it *might* take XXXX business days but maybe longer. All requests for expedited service are denied. Their communication has ranged from nonexistent to wildly unhelpful. I can only reach customer service reps by phone, and they will not escalate my request, saying instead that " everybody has a story. '' I am told by many people in real estate that the practices outlined above by Seterus are highly unusual. I feel like my loan is being held hostage by a predatory lender.
American Express has received all Law Enforcement Documentation providing proof of Identity Theft. The credit bureaus have removed this account from their Credit files which they verified as Identity theft. In XX/XX/2013 my wallet was stolen, Inside my wallet was my Drivers License, Social Security card and even my address. After it was stolen I attempted to recover my wallet but was not successful. I notified the XXXX Police Department and the credit bureaus, XXXX, XXXX and XXXX. After receiving my credit reports I noticed an American Express account. I immediately called American Express to report the crime, the customer service agent had advised me this account was cancelled. I said I did not authorize this. He then transfers me to the fraud department whom states they will conduct an investigation. Once again after they verify the information it is proven to them the address they have on file I haven't ever lived at. I never lived at XXXX XXXX XXXX as they show in their system. I advised them of this information which they documented, I sent my FTC Affidavit to them, and also advised them the Bank Account used to make payments on the account was not mine either. This bank account was actually closed out as Identity Theft as well. So then the other day, I try to open my First American Express account. They open the account then a day later close the account, They try and advise me this is due to disputes. I asked what Disputes since i haven't even used the account yet. They stated they were trying to link the old fraudulent account to me still. They transferred me to fraud after I ALREADY advised them I had no relation to this account and that I thought American Express resolved this along time ago which they have not. So now they have also put an unauthorized inquiry on my credit bureau file with XXXX  because they choose to connect fraud to me. 

I want this account revoked from their system. I have never lived at the address that was on file for any cards with you. I did not provide authorization for any accounts to be open. You did not cancel a card on me because I haven't ever had one. You were notified of Identity Theft along time ago and just refuse to resolve it. Per the FCRA Law and requirements once you are notified of Fraud you have 3 days to block it or I can pursue legal action against American Express. Your fraud department never calls back and they don't actually review the information I have provided.
Vehicle was parked on private property, in a 8 unit apartment building, vehicle was repossed on X/XX/17 @ XXXX. Neighbors complained about some unknown damages to they 're vehicles and want to hold me accountable for it. My complaint is on the repossession company XXXX XXXX XXXX ( XXXX ) hired by XXXX XXXX. I 've discussed payment arrangements with my finance company but I still feel the repossion was unfairly done.