WillisBack/dataset-financial-user-claim huggingface dataset:
I've spent months trying to reach out to someone at Navient and get my account repayments set up properly. I've spoken with countless representatives, supervisors, and other staff only to be given different information each and every time I call. I've requested that Navient review the last 6 months of my calls only to have them call me back on a nonworking number that I requested they not use. I put a second request in and can not reach a person to discuss these findings. Each and every call is a fight to get someone to successfully offer a payment plan that I can afford and also to set up reoccuring payments, which seems to be required in order to enroll in these programs. I have no issues with setting up the auto payments, however Navient seems to have issues properly executing this. I've also tried to remove my co-borrowers from my loans as they are unable to assist in repayments due to their own financial hardships. My income has dramatically decreased over the last 12 months due to a divorce. I've begged, pleaded, and nearly cried with representative after representative to be told things like " make more money '' and " sorry we can't do anything. '' It seems as though they're only willing to help those who completely abandon their loan repayment which I refuse to do. I just want my calls reviewed to have someone see they handle things inappropriately and inconsistently at best.
A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to  Transunion  and  XXXX  on    XXXX   XXXX   . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in    XXXX   XXXX     . I was never notified by either Transunion or   XXXX   in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed for a  XXXX  time on   XXXX   XXXX  . I looked at my credit report today and found that for the  XXXX  time on   XXXX   XXXX   this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.
I got the XXXX corporate rewards ( XXXX points = {$250.00} ) card and I lost it in XXXX 2017. I called XXXX then to send me a replacement card immediately in XXXX 2017. I never received the replacement card and i forgot to follow-up on this request. I called the same number today and they are telling me that card expired in XXXX 2017 and there is XXXX balance on it. This is unfair because they did n't send me the replacement card and now it expired. Did they wait for the card to expire so that i dont get any money back? It is {$250.00}!
I submitted a complaint # XXXX XXXX. Apparently this was closed. I received several e-mails to call you but I can never get through. I also have continued to try to get thru to Citibank without sucess. I received my first bill under the new arangement and it makes no sense. It has no detail, just a total due. If I was to pay the principal divided by XXXX it would be {$3000.00}. but they are billing me for {$4000.00} with no explanation
My private student loans are serviced by AES and XXXX. My co-signer was contacted by AES about the past due amount and was informed that my monthly payment amount could be lowered to {$350.00} per month for 12 months but I would have to contact them. Also they would report the delinquency to the credit bureaus in 3 weeks if a payment was not received. Previously I emailed a letter in XXXX 2015 to AES stating that due to a reduction in hours at my employer, I could only afford to pay them {$350.00} per month not the {$710.00} they were asking. I contacted AES on XXXX/XXXX/2015, to inquire about the new payment option and was told that I do not qualify. I find it very funny that AES likes to bate and switch, XXXX minute you qualify and the next you do n't. Sounds like AES is running an illegal practice.
To Whom It may Concern, I am writing this letter in regards to my Capital One Account. 
The account that I had with Capital has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.
On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my Experian report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them
I lease my car through GM Financial. Payments are made online. I made payment in XXXX and statement states next payment due on XX/XX/2018. I had a death in the family and I just look into my credit report and Have excellent credit. I seen that my rating when down. I looked into and GM Financial filed a report that I was 30 days late. I immediately paid a payment. The account says I don't owe a payment to XX/XX/2018. I called GM Financial and the women said she would not in my account that there was a clitch in system, I called the XXXX XXXX XXXX and they said to call GM Financial back and ask them to report it. I called back and after 25 minutes speaking to a reprensative, he transferred me to a supervisor and she stated that they can't back and report it. I told I would call the Federal Trade Commision. I have a copy of the online statement, showing the due date to back up the information I have listed here. I would be happy to email the back up. 

Thank you, XXXX XXXX XXXX
Advertisement played on XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX NMLS # XXXX / XXXX XXXX XXXX XXXX NMLS # XXXX | XXXX XXXX NMLS : XXXX The advert makes the statement " remember that bad appraisal from the bank that ruined your refinance? we can fix it '' This is fraudulent on several accounts because it offered no qualifiers or restrictions at any point during the advertisement : - FHA appraisals are tied to a case number and can not be re-ordered until expired - Appriasals can not be 'fixed ' - they can be challenged in very specific ways. Even when done by a skilled LO, a value change via appraisal challenge is by no means a guarantee. The can be reordered under CERTAIN circumstances. 
- " a bad appraisal that ruined a refinance '' may well have been one which appraised very low due to adverse market conditions - re-ordering or challenging an appraisal will not solve this problem. 

This advertisement is designed to drive leads to the lender that would result in adverse consumer mortgage experiences.
I wrote Equifax twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Equifax to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Equifax did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Equifax did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the XXXX XXXX XXXX XXXX inform Equifax that Equifax is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Equifax delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
I leased a 2014 XXXX XXXX. During the leasing process I was told that absoluted all fees were paid upfront and then all I needed to do was pay the monthly fee and return the car in an acceptable condition. Upon completion of the lease, with the car in perfect condition, and with the car with far far fewer miles than contractually allowed, I was charged a {$380.00} disposition fee because I didn't choose re-lease another XXXX. This was never disclosed to me. It was buried in a giant contract which I was told was standard and unfortunately I signed without fully reviewing or referring to legal counsel for review. I was told it was standard and I had been told of all fees. XXXX threatened my credit. They had a collection agency come after me for this. I tried to speak with supervisors. They told me the CFPB has no jurisdiction over them and that they are not aware of any rules regarding properly explaining hidden fees to customers. 

I would also add, I chose not get another XXXX because the dealership was over-billing me for service and attempting to commit insurance fraud. Claiming it would take some insane amount of labor and excessive parts expense simply because they could convince an insurance adjuster to approve it. This made me very uncomfortable. This coupled with the generally terrible service was enough to turn me off the dealerships closest to me and the brand in general.
I have contacted  XXXX ,  XXXX  and Equifax on several occassion twice in  XXXX    XXXX   unsure of the dates but I also sent out certified mailings to each crediting reporting agency on  XXXX / XXXX /  XXXX   also again on  XXXX / XXXX /  XXXX   via regular mail concerning several bankruptcies on my credit rep ort .. C as e numbers.  XXXX  Case number  XXXX  and case number  XXXX  ( see attached ). I also sent emails to the  CEO of eac h reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On  XXXX / XXXX /  XXXX   I received and email from   XXXX    Execective office  wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named  XXXX  called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from   XXXX   by the name of  XXXX  called me from telephone number  XXXX  and also say that the items were verfied I aske how and he said throug a third party I asked  XXXX  he then said there are several so After I 've explain to each them that I 've spoken to  XXXX  at telephone number  XXXX  with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the  XXXX   XXXX  the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account   XXXX   XXXX   ,    XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX  , and   XXXX    therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.
there is an inaccurate collection on my records, for which Experian is the only one who is reporting this inaccuracy, after long disputes they have not removed this collection from my records. i have tries to contact the collection agency but they do not response when i leave messages, and their address is inaccurate and all the letters com back to my address.   please help me to remove this inaccuracy from my records.   thank you
I have taken the following steps : Between yesterday, XX/XX/XXXX and today, XX/XX/XXXX, I have spent over 2 1/2 hours on hold on three various telephone numbers ( XXXX. I held on for forty-five minutes yesterday ; XXXX I held on for one hour fifteen minutes today ; XXXX I held on for fifteen minutes today, only to have a recording tell me that he could not help me ) I then spent approximately one hour on the disputes website attempting to file a dispute, three times only to find that, after submitting, that the supporting documentation had to be a PDF file and I was timed out ( I was only online for approximately 5-10 minutes before being timed out ), I then converted my document to PDF and re-entered the website submitting the information all over again, and then received a flag that I was over the one thousand character limit, which had not been noted on the box provided for explanations and after 5 to 10 minutes editing the number of characters, I was timed out again. I attempted to resubmit a third time and I received a flag that I had exceeded the number of views for my report number and it would not allow me to go back online to submit a dispute. 

I have found Experian service to be highly unsatisfactory, disturbing, and non-consumer oriented. This is as professional opinion as I can render. The experience has been horrific to say the least. A company that deals with consumer credit like this should not be allowed to operate. I say this with a heavy heart and I do not say this lightly. 

The following is the information I am seeking to have corrected : I am writing to you with regards to report number : XXXX. 
Noted on page 23 of twenty-four of this report is : This address may be perceived as high risk since it is a nonresidential address : XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

My address is correct : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

However, there is no XXXX XXXX XXXX nor is it a commercial address. It is a residential address only. 

I conducted a web search for XXXX XXXX XXXX  and was unsuccessful in finding that particular company or any company associated with my address. I attempted to attach supporting documentation, however, as previously noted, I was timed out and ultimately locked out from the Experian dispute website. 

I am seeking to have the Notices section of the report and my credit information corrected to reflect it that it is a residential address. 

Thank you, XXXX XXXX
I have contacted Equifax on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.
transunion and XXXX keep dropping my credit score, please see previous complaint, they raised score after complaint then 5 days later dropped it again 56 points, never late 18 % usage 8 accounts 6 have XXXX balance 1 had XXXX other XXXX perfect payment record i believe this is harassment for prior complaint, will not give any reason for credit drop
Consumers should be able to freeze their credit for free on Equifax, XXXX and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.
I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

XXXX  credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) Transunion : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX  XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 )  THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 )  KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX   XXXX  INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
I am in process of loan modification, and there has been Mortgage fraud in behalf of my Mortgage Bank, I have been trying To modify and Settle my Mortgage, however bank has been taking its time and not trying to help me, and now my house is scheduled for auction sale. My bank who is Wells Fargo bank.
TransUnion is reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to the credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. TransUnion concluded that the public record items were obtained from local, state and federal courts through a third party vendor XXXX.
On XX/XX/2017 I noticed charges on my prepaid XXXX card that I didn't make. Immediately I contacted them and was referred to NetSpend. I was instructed to submit a claim to them. My claim for over {$1600.00} was denied within 3 working days. I've contacted them, repeatedly trying to get my money returned to me unsuccessfully. I was instructed to file a police report, which I did. But still have not gotten any money. I'm XXXX and need my money. Help please
There is a missing payment indicated on my credit report for XX/XX/XXXX.

I tried reaching out and no one was able to assist.

I've been in communication with them regularly so I'm not sure how this has happened.
On XXXX/XXXX/2016 I received an email from my boss authorizing a wire payment for {$21000.00} to be sent to a consultant named XXXX XXXX to an account at US Bank NA in XXXX XXXX, MN. I sent the wire and then confirmed this with my boss. He then told me that he never sent this email. The email turned out to be a " spoof '' from someone who hacked into our email system. I promptly informed XXXX XXXX XXXX ( our bank ) to recall the wire and they confirmed later that day that the wire had been recalled. Today ( XXXX/XXXX/2016 ) I called XXXX to confirm and they told me that they are not sure that they could recover the wired funds.
I am a victim of identity theft. I had filed a dispute with Experian but there has been no update. I need these hard inquiries off and seems like there is nothing that has been done. 

The hard inquiries are XXXX XX/XX/XXXX, XXXX is one there twice when it is only suppose to be on there one time. I do have a credit card with them. Also XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX
We received a notice from Commonwealth Financial Systems ( CFS ) regarding an unpaid medical bill. Upon contacting the purported medical service provider and providing the original account number listed on the letter issued by CFS I was informed that no such account number existed. 

I contacted CFS and the employee identified himself as " XXXX XXXX ''. However, the name on the letter issued by CFS was " XXXX XXXX ''. 

Commonwealth Financial Systems lists the following address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX ext XXXX
XXXX XXXX XXXX called me around XX/XX/XXXX, harassing me threating to sue me over an old credit card bill with XXXX XXXX XXXX, said they are filing a lawsuit against me and told me to get a lawyer and will put me in jail if I don't pay. They ain't supposed to call me and threaten me and my family. They should know better.