WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX ( now Navient ) is my original lender for XXXX PRIVATE student loans taken out between XXXX. I have been trying for over a month to get in contact with someone, anyone, there. I would like a copy of my original promissory notes and all loan documents for all XXXX of the loans mentioned above. You ca n't get ahold of anyone, I 've left messages on their " customer service '' line, I 've even tried calling another number I 've had saved from when I was on a repayment plan with them years ago, no luck. I frankly do n't even know who " owns '' my loan at this point because it 's been passed around so much. They are the original lender, I still can log in to an account, and they are sure as XXXX still showing all my loans with past due balances even though I 'm getting calls from another shady sounding company claiming to be in control of my student loans now. I just would like copies of all of my original loan documents, which the lender should be able to produce. Yes, my loans are past due, probably in default by now, but that does n't give them the right to flat out ignore me. If they would offer any kind of customer service, repayment options, etc, I probably would n't be where I 'm at - but that 's a whole other issue. I just want all my loan documents for all XXXX loans they report to my credit every single month. And some kind of tracking number for the package ( if they even can produce the documents ) - because their " word '' is XXXX in my experience.
I received a letter from Franklin Collection Services. The letter offered me an settlement on an XXXX account that I do not have ( never had XXXX ). In the letter it stated pay or contact your attorney. I attempted to contact this company and was told that they suggest I speak to my attorney to protect myself. When I asked from what the agent laughed and stated collection efforts. I now feel intimidated and afraid for my life and my financial future, seeing as these people have my address and my phone number and are threatening legal action with no proof or validation offered!
We began the refinance process with PHH Mortgage in 2011. Over the course of 6 months PHH continuously stalled the process. An employee with PHH consistently failed to inform me that she did not have the required documents from the bank and when she did tell me it was too late to get the documents before the fixed rate offer expired. It was clear to me that the company was stalling so that I missed the date. After 5 months of their stalling, the told me the only way that I could get the original rate was to pay an extra point, which amounted to {$2300.00}. When I complained, the sent me an apology and a {$500.00} refund. I would like the remaining {$1800.00} dollars and I have documentation showing the delays were caused by PHH. Additionally, I was told by someone at PHH that my service rep had left the company and that is why the process did not work for me. In my opinion, PHH Mortgage intentionally delayed processing my paperwork and incorrectly blamed the delay on my bank in an effort to charge me more points. I believe that they did this because interest rates rose sharply immediately after I started the process but after I had locked in my rate.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX /2016 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.
THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX OF MO ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX  ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.
I lost my job in JuIy 2012 when I became fully XXXX and could not work. Over the course of the next two and a half to three years I went through the XXXX process with both the VA and Social Security, ultimately being approved as XXXX by both. Over the course of the application process, I was unable to pay my mortgage. My mortgage was ultimately bought by or transferred to NationStar Mortgage. After approval for XXXX by the VA and SSA, I got a mortgage modification with NationStar Mortgage after my approval from the two agencies. In addition to the mortgage amount, they added on a final payment of approximately {$66000.00}. This essentially still leaves me underwater in my mortgage. At the time I did n't feel like I had any choice, because my credit had been damaged. I think this is ridiculous since the issue was caused by an issue beyond my control. I will pay all of the interest associated with my modified mortgage amount. I do not feel it is fair to also have to pay past interest.
I contacted XXXX  XXXX to close this account. I paid balance and was assured that account is closed as of XX/XX/XXXX when statement closes. 

My Experian account is showing account as open with balance owing. I submitted first dispute which XXXX XXXX falsely claimed that account is still open as of XX/XX/XXXX. I submitted second dispute with Experian showing status of account, XXXX XXXX falsely and fraudulently verified account as open. Not only was it false, XXXX  XXXX under false pretenses backdated account status to XX/XX/XXXX in order to falsely report account as open as opposed to closed
On XX/XX/XXXX, I paid XXXX XXXX XXXX {$94.00}. At the time of payment, my account was in collections. However, as of XX/XX/XXXX, their collection agency, CREDITORS COLLECTION SERVICES, is still posting this as an active debt. I filed disputes with all three credit bureaus. XXXX  has already removed the notation from their credit report because I provided a copy of the receipt. This receipt is attached to the CFPB complaint. XXXX XXXX states that they notified CREDITOR COLLECTION SERVICES. Creditor Collection Services claims they have no knowledge of this communicaiton. 

If I am forced to do so, I will bring XXXX XXXX XXXX to small claims court to compel them to remove the collection notation from XXXX  and XXXX. I will sue for damages and court costs.
My Federal loan was transferred to this company about 5 years ago. I logged in and set up auto-payments that would increase every year or so to help pay off the balance faster and unfortunately for me, didn't pay much attention to the account. My original balance was {$34000.00}. I have paid over {$9000.00} to this company for my loan, and now my balance is {$35000.00}. This interest rate must be the legal max, which is absolutely not what I signed up for. My estimated 'pay off ' is in 21 years and at that time I would have paid {$70000.00} for a {$34000.00} loan. What is my interest rate? No clue. Cant be found on the website after I log in ANYWHERE. I have a feeling I received some scam letter saying my loan was being moved to this company and fell for it. I am paying off this loan with this company today in full so I don't have to deal with this SCAM any longer. But I would love some answers and to find out if I can get my {$9000.00} back/applied to my loan rather then pocketed by this 'company '.
I paid my balance down to within {$100.00} from a balance that was {$2300.00} in XX/XX/18 with the XXXX XXXX XXXX XXXX XXXX. As soon as I paid the balance down, they lowered my credit line to {$300.00} with no explanation at all. I had tried to purchase something and it kept getting declined to I logged in to the website and saw this and was shocked. No email, no phone call, nothing explaining why. I can understand declining it a few hundred dollars maybe, but a {$1900.00} decrease? That is beyond XXXX.
On X/XX/18 Equifax raised my score six points, On X/XX/18 Equifax decreased my score six points. Equifax states that I hace used 250 % of my credit. Balance is just XXXX on a XXXX XXXX with credit line of XXXX Doing the math, it does NOT make sense. The credit line Utilization is only 4.5 %. I have been trying to contact them via internet dispute and phone calls. No success. Equifax have not been reporting my scores accurately and hurting me in the sense I am being senies credit. I ask, to contact XXXX XXXX and all the Proof is there. Dates,  Account balances. I demand for ALL my credit be reported accurately according to FCRA secrion 609.. And also ask Equifax to fix their wwbsite dispute page that doesnt work. I understand that under FCRA, Equifax has 30 days to respond to this dispute/claim. My Fico score should be above XXXX and Equifax is keeping me down. The proof is there. Equifax needs to contact XXXX XXXX and correct the issues and report correct info on my profile. 
Thank you XXXX
Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & EQUIFAX credit reports. XXXX, XXXX XXXX & EQUIFAX should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, XXXX XXXX & EQUIFAX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX EQUIFAX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
The company was sued in XX/XX/2014 and forced to sale loans and to pay its customers for over charging them on loans and ordered to pay XXXX XXXX over 3 million dollars for fraud etc. my loan was transferred to another company and payments were made through my bankruptcy attorney recently the company contacted me stating I owe XXXX on my loan in which originally started at XXXX I've had the vehicle for almost 5 years close to being paid off leaving me to only owe a little over 2,000 so where the money has been going I have no idea. Who is the company that was transferred the account I've googled them and contacted them they can't seem to give me information and this company who claims they never went out of business name just changed in which I know is a lie I have the documents from my local federal court house along with payments that were made they are originally condor capital they're calling themselves condor secrunization trust now
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 XXXX  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 : InquiryXX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX InquiryXX/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 : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : InquiryXX/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 : InquiryXX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/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 : InquiryXX/XX/XXXX - XXXX XXXX :XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX  : InquiryXX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
Denial for Gap in Employment ( Husband ) no letter from Navy Federal Credit Union ; Navy put us in for the wrong Mortgage Loan put The XXXX in for First Time Home buyers ; Misled closing Attorney by sending documents for them to close on Loan : We determine we was put in for the wrong type Loan, Navy put us in for a First Time Home Buyers and I ask that question back in XXXX 2016 who decided that type of loan, this correspondence was sent via Navy message but never got corrected by Loan Officer ( XXXX XXXX ). XXXX sent an email saying approve to move to processor and she ( XXXX ) will be get in touch to prepare the XXXX for closing. The closing Attorney said the file was given to him a week before the closing date XXXX XXXX, 2016 so he can prepare for closing. I phone and XXXX told me XXXX said was not going to make closing, why was n't we notified about closing. Navy never told us to extend closing and now all involve was misled about closing on my future home. the final, the XXXX call XXXX Monday XXXX XXXX, 2016 later that day and she told us we was denied because of my husband GAP in Employment. We do n't believe XXXX XXXX followed the attached email from XXXX HR contact XXXX XXXX XXXX to verify his employment, the email is attached and why was n't the employment verification done weeks in advance and then we was told the Loan was Denied wholly off XXXX gap in employment by XXXX over the phone the same day she contacted his employer?
IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX : XXXX. XXXX XXXX XXXX TX XXXX, TRANSUNION XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY XXXX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE XXXX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT XXXX  HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT XXXX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY XXXX TO PROVE WHO I AM. 
HELLO WHAT THE HECK IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY XXXX TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the student loan accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Calls four times a day, EVERY day ( even Sundays ), with recording or just hangs up. Has not sent anything in writing. Calls cell phone, unknown how they got # because I do not give it out. Has called son 's cell phone and is also calling XXXX daughter 's cell phone. I have written a Cease & Desist letter requesting the constant barrage of calls to stop.
Merchants & Professional XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
In either   XX/XX/XXXX   or   XX/XX/XXXX  I  applied for a credit card with  XXXX    XXXX  Account   #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX   I was made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and  # 1 NEVER RECEIVED THE CARD AND # 2 NEVER A CTIVATED THE CARD. When I questioned the representative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  credit bureaus  (    XXXX   XXXX   and    TransUnion   )  but, the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!
I recently discovered an outstanding debt on my credit report. XXXX XXXX said I owed them {$420.00} and assigned the debt to a collection agency. I never have had XXXX and they will not respond to my requests to verify the debt is mine and Experian also will not remove this fraudulent issue from my credit report. I am in the process of filing a complaint with the FTC, and will be filing a police report as well. Is it possible the CFPB can help me with this. As soon as I receive a copy of the police report I would be willing to share it with you along with any other documents.
i demanded that the following account be removed from my credit report : XXXX XXXX XXXX # XXXX
I took out a {$100000.00} boat loan from US Bank XX/XX/XXXX. I have been making weekly payments on this loan of {$1000.00}. I believe the bank is miscalculating the interest that I owe and their deduction of interest. The interest rate on the loan is 4.12 %. 
XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest In XX/XX/XXXX I paid XXXX in interest I have never missed a WEEKLY payment of {$1000.00}, although it takes US Bank up to 2 1/2 weeks to post my payment ( then they back date it ). 

As you can see, my interest payments went up XX/XX/XXXX, XX/XX/XXXX, then down in XX/XX/XXXX, but XX/XX/XXXX 's interest payment was still more than XX/XX/XXXX and XX/XX/XXXX As my principal goes down, so should the amount of interest I am paying. Further, on my checks it clearly says PRINCIPAL payment but they are still taking out interest ( which I would n't care, but they are doing something wrong because my interest payments should n't be going UP ... ) I called US Bank and got the run around. No one could explain to me why my interest payments are going up in certain months and why my most recent interest charge is more than what I paid XX/XX/XXXX.